The cheapest auto insurance provider may not be the best. As tempting as it may be to shop around for the best price, you need to find an insurer that will be there for you when you need them. After all, you don’t want to end up with a policy that doesn’t adequately protect you in the event of an accident.
Our Best Car Insurance Companies ranking uses pricing data and real customer feedback to help you find the best car insurance policy.
The Best Auto Insurance Company?
A military affiliation is required to get the best car insurance from USAA. State Farm is the second-best car insurance company if you don’t qualify for USAA.
Customers from nine of the most popular car insurance companies in the United States were surveyed for their thoughts. You can use their feedback to help you choose the insurance company that best serves your needs.
In order to find the best insurance company in the United States, we conducted a survey on customer service, claims handling, and customer loyalty. It also identifies the insurers that their policyholders are most likely to renew with and recommend.
Car Insurance Providers ranked among the best
We found USAA to be the best car insurance provider. Customer satisfaction with USAA’s customer service was rated highly in our survey. They also appreciate how simple it is to file a claim with the company and how frequently they are given updates on the status of their claims.
Because of this company’s limited availability, the only drawback we could identify is a negative one. Only veterans, active military personnel, and their dependents are eligible for USAA’s services. As a result, a large number of potential customers will be turned away by USAA because of their health.
State Farm Insurance
It’s easy for customers to file a claim with state farm according to the majority of survey respondents who intend to renew their policy. No military affiliation is required to get a great deal on car insurance from State Farm.
Asked if customers were satisfied with the company’s status updates during the claims process, State Farm received slightly lower marks. The majority of people who have insurance with State Farm say that they got a good deal on their policy.
In our list of the best car insurance companies, Geico comes in third place. Customers who have used Geico to file a claim say that the company makes the process simple. According to the majority of those who responded to the survey, they also intend to renew their coverage and are likely to spread the word about Geico to others. However, despite its low rates and excellent customer service, Geico ranked lower than some of its competitors in terms of value.
Overall, Nationwide is a solid performer, but it doesn’t stand out as particularly superior to the competition in any one area. Due to a few drawbacks, we can’t place Nationwide among the top three car insurance providers. Nationwide’s claim status updates and resolution were cited as sources of dissatisfaction by a number of survey participants.
We’ve ranked farmers at the middle of the pack. Our survey participants were generally pleased with the claims process, customer service, and overall value provided by this insurer. However, when we asked if drivers would recommend Farmers to their friends or family, the company’s overall satisfaction rating dropped a bit.
Americans are the least satisfied with how their claims were handled by American Family Insurance. Despite this, customers remain loyal to American Family. The number of customers who said they planned to renew their policies put this company near the top of the list. Those who have purchased insurance from American Family may also pass that information along to others in their social circles.
Even though Progressive’s cheerful pitchwoman Flo is the company’s most popular commercial star, Progressive is only ranked seventh on our list of insurance companies. Customer service and the ease of filing a claim are two of this insurer’s strongest suits. These are areas in which Progressive is still lagging behind its rivals, however. Customers of Progressive are more likely than those of any other company to not renew their contracts, despite the fact that many of their competitors receive higher satisfaction ratings for the value they provide.
Travelers customers were not as satisfied as you might expect from a low-ranking insurance company, as measured by our survey.
A majority of drivers who file a claim with Travelers are dissatisfied with how Travelers handles the situation, and they don’t believe the company provides a good value. Even though people gave Travelers a good rating when asked if they would recommend it to friends and family, they gave it a poor rating when asked if they would renew their policies.
Most people who had filed a claim with Allstate were pleased with the simplicity of the process, but they were dissatisfied with the overall experience in most other ways. In our rankings, Allstate has the lowest perceived value because of its higher rates than those of the other companies. Allstate customers, on the other hand, are less likely to renew their policies than those of other insurance companies.
Do you know which company provides the best car insurance?
After determining the best overall insurance companies, our survey analysed these companies in five key categories. Customer service, claims management, and customer loyalty were the criteria by which we selected the top-performing companies. Policyholders who are most likely to renew or recommend their insurance with these companies were also included in our analysis.
In addition to taking the top spot in our overall ranking for the Best Car Insurance Company, USAA swept all five of these subrankings. Although USAA membership is open to all policyholders, not everyone will meet the eligibility requirements. This is why we’ve identified the second-best option in each category so that all customers can learn about it.
We asked policyholders to rate their insurance company experiences on a five-point scale and explain why they chose that rating level. People who had opened a policy in the previous five years and those who had filed a claim were separated from the rest of the respondents. After filing a claim, the second group was asked additional questions about their satisfaction with the process and the handling of the claim.
Using this data, the subrankings below have been created to identify the company with the most satisfied customers in specific areas.
State Farm has the best customer service.
If you’re not eligible for USAA but value excellent customer service, consider State Farm. Customers of State Farm are more content than those of competitors, according to our research.
There are numerous State Farm locations in various parts of the country. While most insurance companies rely on phone and web-based interaction, this allows for a more personalised customer service experience. Survey respondents noted that “I can visit their office and speak face to face with an actual person who is a member and supporter of our community” if they ever have a problem.
The Best Claims Handling: All Over the United States
It’s unlikely that you’ll ever have to use your car insurance, so the best outcome is that you don’t need it at all. In the event of an insurance claim, customers who prefer a smooth claim process should look no further than Nationwide. More than two-thirds of survey participants who had filed a claim with Nationwide were satisfied with the ease of claims filing, and more than two-thirds were satisfied with claim status updates.
Most Loyal to Its Customers: State Farm
The answers to a variety of questions are used to determine customer loyalty in our survey scoring methodology. After USAA, State Farm has the best customer loyalty of the companies in our rankings, with consistently high customer satisfaction scores and positive feedback. State Farm received high marks for its competitive rates and friendly customer service, according to the people who took the survey.
It is most likely that: Geico
Customers of Geico are the most likely to recommend this company to their friends and family, according to our survey results. This is a great way to gauge customer satisfaction overall. Survey respondents who hadn’t filed a claim said they were 41% likely to recommend Geico, while those who had filed a claim said they were 49% likely to do so.
State Farm is the most likely to be renewed.
It’s a good sign if a car insurance company keeps most of its policyholders at renewal time. State Farm is the best at customer retention, which indicates a high level of satisfaction, according to our survey results. About 61% of State Farm customers who have filed a claim say they are very likely to renew their policy, and another 20% say they are likely to renew their policy.
Exactly how much car insurance coverage do I need?
The amount of auto insurance you require is based on two factors: how much coverage you are required by law to obtain, and how much coverage you actually require. If you don’t have the minimum legal requirements for car insurance in your state, you could face serious legal ramifications. See what your state’s legal requirements are for car insurance coverage in our state-by-state auto insurance coverage guides.
Inquiries that are frequently asked
What are the best car insurance providers?
USAA and Geico are the best-rated car insurance providers in terms of customer satisfaction. According to market share, State Farm, Geico, and Progressive are the three most popular car insurance companies in the United States.
Who has the best auto insurance?
The best car insurance is provided by USAA, but State Farm is the best option for those who do not meet the membership requirements of USAA.
Which company offers the most affordable car insurance?
Car insurance from USAA is the most affordable. In the event that you don’t qualify for USAA membership, Geico and State Farm are the two companies that offer the most affordable rates.
Just how much coverage do I need for my car?
You’ll need enough auto insurance to meet the state’s bare-bones requirements, plus any additional coverage that’s required by your particular circumstances.
How do I find the best car insurance policy for my needs and budget?
Good customer service and low rates are the hallmarks of the best car insurance. Using our rankings and reviews, you can see what nine of the best national car insurance companies charge different types of customers, as well as what real customers of these companies have to say.
Top-Rated Auto Insurance Providers
- 4.45 out of 5 for USAA
- 4 out of 5 stars for State Farm.
- 4.08 out of 5 for Geico
- 4.06 stars across the board
- 3.96 out of 5 for farmers
- A typical American household. 3.95 of a possible 5
- Progression scored 3.77 out of 5.
- 3 out of 5 based on 76 ratings.
- Rating: 3.66 from 5 stars for Allstate
Finding the Best Car Insurance Companies and Collecting Our Rates: Our Methodology
Over the last five years, we polled 4,806 customers who had filed an insurance claim and asked them about their experience with their current insurance provider. There was a focus on how easy it was to file a claims; customer service; claims status communication; claims resolution; and overall cost. As part of our survey, we also asked if they would recommend the company and if they were planning on renewing their policy. Our Best Car Insurance Companies rankings were based on their feedback.
While not all of the largest national car insurance companies operate in all 50 states, U.S. News worked with Quadrant Information Services to analyse a report on insurance rates in each state to obtain comparative insurance rates for this study. According to Quadrant, car insurers submit publicly available rate data to regulators. Drivers in the 25-35-and-60-year-old age brackets were used to calculate our study rates. Each vehicle has an annual mileage that ranges from 6,000 to 12,000, with a variety of makes and models in use. As with credit scores, there were three tiers: good, fair, and poor. Records with no accidents or speeding violations were also taken into account when determining certain driver archetypes.
Men and women who drive 12,000 miles annually, have medium insurance, good credit, and a clean driving record were used to calculate the study rates shown here. There are no “average” premiums available from individual insurance companies, and the rates shown here are for comparison purposes only. Your car insurance rates will differ from the rates shown here because they are based on a variety of individual factors.