Best Car Insurance Companies in the USA Ever
Despite car insurance is viewed by many as a necessary evil that grabs a bit too much of a household budget, in case of a fender bender or a collision, the right policy can be virtually a lifesaver for a driver, his passengers, and the injured parties.
Meant to protect a motorist from liability occurred as a result of his wrongful driving, car insurance is mandatory in nearly every state of the USA, and not having one can translate into both a financial and legal catastrophe for a reckless driver.
So, it is your peace of mind that you are backed up and supported whatever happens to you on the road. Still, finding a decent carrier that balances adequate rates with good coverage is quite an ordeal given the nearly endless amount of players in the USA insurance scene. We narrowed down a shortlist of the all-time best car insurance provider in the USA to empower your buying decision.
To concoct this rating, we scrutinized data from leading reputation agencies such as J.D. Power, Standard and Poor's, and AM Best, as well as analyzed real customer reviews from open sources like Wallethub to armor you with knowledge before you take the plunge.
GEICO
J.D. Power Score – 871/1000
AM Best Score – A++
Standard and Poor's Score – AA+
With its highly affordable rates, national availability, a solid range of car insurance options, and an impressive range of discounts and bonuses, GEICO is the top pick in our roundup of the best car insurers in America. The mega cute gecko and caveman mascots are not the only reasons to love this firm, but its sweet bounties and perks for the clientele. New vehicle, good student, military and federal service, safety equipment are just a few of really numerous discounts you are going to enjoy if you choose GEICO to cover your auto.
Being the second biggest car underwriter in the USA, this Maryland-based company occupies nearly 14% of the whole car insurance market in the USA and boasts a 16-million client database. This, surely, inspires trust and the desire to give them your money in exchange for a car policy.
State Farm
J.D. Power Score – 881/1000
AM Best Score – A++
Standard and Poor's Score – AA
State Farm is the biggest car insurer in America controlling over 16% of the market and boasting an extra-strong claims-paying capacity. Established in remote 1922, the company has nearly a century of unfailing business excellence. It is a great fit for anybody who seeks an individual approach, competitive rates, and an array of nifty goodies for responsible drivers.
The company poses itself as a mutual insurer, meaning it is owned and financed not by investors, but policyholders, which clearly explains its endeavors to provide a wonderful customer experience. Its extensive insurance portfolio allows you to secure yourself against nearly all the ups and downs of fate, while holding multiple State Farm policies will bring you huge savings on your car coverage.
Amica Mutual
J.D. Power Score – 907/1000
AM Best Score – A+
With its century-old history and superior customer satisfaction ratings, Amica Mutual is the major game in town. Turn to it if you are looking for a decent auto insurance policy with a personalized experience and discounts to prize your careful driving. Along with typical auto insurance types, Amica also offers unique and handy add-ons not to be found with other providers.
These include no deduction for depreciation when a new car is totally damaged; free lock replacement for lost/stolen keys; no deduction for glass repair; free repair or replacement of an airbag deployed in an accident; reimbursement for lost wages if you are summoned to a court; a thousand dollars for bail bonds.
Progressive
J.D. Power Score – 856/1000
AM Best Score – A+
Standard and Poor's Score – AA
Another top-performer in the auto insurance field, Progressive is the third-largest carrier in the USA with over 80 years of success. The provider is committed to offering one of the lowest rates at the market, which is a good reason why so many drivers (over 13 million policies currently in force!) opt for exactly this company. Their portfolio is meant to meet all your car insurance needs, but there is also a solid range of other financial products such as mortgages and loans if you want to benefit from bundling multiple Progressive policies.
What sets Progressive apart is that it is a pioneer in offering discounts for safe driving. The Snapshot program is another great thing behind Progressive. It is essentially mobile software that tracks your behavior at the wheel. If your driving habits are as flawless as the reputation of Progressive, your premiums will be cut to minimal.
Allstate
J.D. Power Score – 876/1000
AM Best Score – A+
Standard and Poor's Score – AA
You are in safe hands with Allstate since 1931. One of the biggest publicly owned insurance companies in America so far (its market share is a solid 9%), Allstate is all about trust, transparency, and professionalism. They say good things cannot be cheap, and it is partly the case with Allstate. Car insurance seekers may find their rates a bit elevated as opposed to competitors, which might be quite frustrating for drivers on a budget. Still, a rich assortment of discounts for different categories of customers may ultimately bring weighty savings.
Allstate is a famous vehicle safety advocate that closely cooperates with automakers and government officials to develop programs and solutions to help decrease bad accidents on the road. So, if you prove to be a cautious, safety-conscious driver, you will economize many dollars on your premiums with Allstate.
Dairyland
AM Best Score – A+
Better Business Bureau Score - A+
Though Dairyland does not have a flashy marketing presence and has not received high scores from Standard and Poor, it is a much-trusted car insurer in the USA that caters to the needs of drivers with a tarnished driving reputation. You may expect all the standard auto coverages from this vendor: bodily injury liability, personal injury protection, medical expenses, and the whole enchilada typical for other insurers.
Still, Dairyland is a bit different player. For example, the company offers SR-22 insurance for high-risk motorists with bad driving credit as well as non-owner auto insurance for those who drive a automobile they do not own. Your quote with Dairyland may seem somewhat higher compared to offerings from other companies, still, you can dramatically lower your premiums if you are seized of a home, equip your car with safety bells and whistles, pass defensive driving courses, or just switch from another carrier to Dairyland.
Liberty Mutual
J.D. Power Score – 786/1000
AM Best Score – A
Standard and Poor's Score – A
Another good performer that deserves to sit in our pack of the best car insurance companies in the USA, Liberty Mutual offers policies that are as low as $72 per month. Come to the industry in 1921, this Boston-based company has grown to a huge property and casualty insurer with an enormous staff of employees (over 45 thousand) across the globe. A curious thing behind Liberty Mutual is that it is an extremely altruistic company annually spending millions of dollars on different charity initiatives to solve the problem of homelessness and unavailability of education.
Their rates are unprecedentedly affordable, but you can lower your premiums with Liberty Mutual to mere tokens if you stay loyal to the brand, prove to be a safe driver, and outfit your vehicle with safety devices. It is also an excellent option for drivers seeking nifty add-ons to their main coverage such as accident forgiveness, roadside assistance, genuine parts replacement coverage, and many other nice extras.
The Travelers Companies
J.D. Power Score – 796/1000
AM Best Score – A++
Standard and Poor's Score – AA
Not every establishment has the power to stay the course for over 150 years, but Travelers has been there since 1853 and has all the signs of the industry’s leader. Hiring over 30 thousand employees, the company operates not only in America, but lots of countries worldwide including Canada and Brazil, and it is also a part of the Dow Jones Industrial Average, which speaks volumes about the company’s seriousness.
Their rates on car insurance are pretty average at the market, but you can enjoy massive savings on your premiums if you install the IntelliDrive app on your smartphone to access your driving habits. If you appear to be a responsible, safe driver, your car insurance bill with Travelers can be reduced up to 20%, but you can also qualify for other discounts – the company is a generous bonus-giver.
Erie
J.D. Power Score – 865/1000
AM Best Score – A+
Standard and Poor's Score – AA
Another big name in the USA car insurance scene, Erie has been competing since 1925 and is included in the list of Fortune 500 companies. You will hardly find many negative reviews about this dealer on the Internet, and it is safe to say that this Pennsylvanian carrier has what it takes to make customers happy: nice rates, a decent array of discounts, a galore of extras to expand the coverage of your policy, and many other perks to provide a positive insurance experience. Still, there are some weak points behind this operator: they do not have a mobile app to manage your policy on the go (a critical drawback in the era of total digitalization), and they write their policies in just 12 states.
MetLife
J.D. Power Score –886/1000
AM Best Score – A
Standard and Poor's Score – AA
Decoded as Metropolitan Life Insurance Company, MetLife is a highly reputable vendor with over a 90-million customer database and footprint in over 60 countries. Underwriting its car insurance policies in 50 states, MetLife is among the largest carriers in America overall. Its car insurance policies are geared towards meeting your life circumstances and budget. You can save lots of your hard-earned dollars on car insurance with MetLife if you exhibit stellar driving habits, setup automated premium payments, bundle several policies, or install My Journey app on your smartphone. The company also offers awesome extras for an additional layer of protection to your main car policy.
