The Best Car Insurance Companies
In our evaluation of the top car insurance companies, USAA clinches the top spot, with Auto-Owners, Nationwide, State Farm, and Geico following closely behind. We sifted through over 40 insurance providers to compile our list. Additionally, we pored over feedback from over 4,200 customers to gauge their views on claims processing, service quality, and overall insurer satisfaction. To give you a ballpark estimate of insurance expenses, we compared rates across various driver profiles.
Best Car Insurance Companies Rating
Our research shows that USAA stands out as the highest-rated car insurance provider. However, their policies are exclusive and not accessible to everyone. If you’re looking for a solid option that’s widely available, Auto-Owners, ranked second, could be a great fit for many drivers. It operates in 26 states. Nationwide, State Farm, and Geico complete the top 5 in our rankings and offer coverage in a larger number of states.
Average Annual Rate:$1,335
PROS:
Available in all 50 states and Washington, D.C.
No. 1 for customer service, claims handling, and discounts
CONS:
Only available to military members, veterans, and their families
Savings Vs Overall Average:$733
According to our ratings, USAA stands out as the best car insurance company, excelling in various categories we assessed. It ranked first for customer service and claims handling. Additionally, it secured the top spot in the best for seniors and best for discounts categories. USAA came in second place for customer loyalty, trailing only Auto-Owners, and also ranked high for being most likely to be recommended and renewed.The Best Car Insurance Companies
The company also has the lowest average rate we found overall, and was the least expensive in our analysis for multiple categories of drivers, including young adults and drivers with a speeding ticket on their record. See our report on the cheapest car insurance companies for an idea of which insurers have the lowest rates, on average, for different driver groups.
USAA constantly ranks as one of the stylish companies in our evaluation. still, because its services are exclusive to ingredients, you might be interested in chording out what other insurance providers in our ranking can give for you.
USAA car insurance discounts
Like many car insurers, USAA offers potential discounts to help customers save. These include:
- Bundle and save (multi-policy discount)
- Military on-base discount
- Good student discount
- Clean driving record discount
- Safe driver discount
- Defensive driver training discount
- Basic driver training course discount
- SafePilot discount
- Newer vehicle discount
- Anti-theft devices discount
- Deployment/storing discount
- Driving less discount
- Loyal member discount
- Multi-vehicle discount
- MyUSAA Legacy discount
PROS:
No. 1 for customer loyalty among companies in our rating
Some of the lowest sample rates we found for teen drivers and seniors
CONS:
Only available in 26 states
Auto-Owners ranks as the second-best car insurance company overall in our evaluation. It secures the top spot in several categories we studied, such as customer loyalty, being highly recommended, and renewal likelihood. In all other areas like customer service and claims processing, it follows closely behind USAA, standing out as an excellent choice.
The prices are better than the national average for most types of drivers we looked at. This includes rates for young drivers and drivers with a DUI, who usually pay more for insurance.
Auto-Owners car insurance discounts
When shopping for car insurance, always remember to ask about discounts. Auto-Owners’ potential discounts include:
- Multipolicy discount
- Payment history
- Green discount
- Multicar
- Life multipolicy discount
- Paid-in-full discount
- Safety feature discounts
- Advance quote
- Favorable loss history
- Student discounts
PROS:
Scores well for customer loyalty with strong survey responses
Rates are lower than the national average for all driver categories we researched
CONS:
Fourth-highest sample rates in our analysis for drivers with a DUI
Nationwide is No. 3 in our rating, with an overall score of 4.1 out of 5. It is No. 3 in multiple subcategories we looked at, including customer service, customer loyalty, most likely to be renewed and most likely to be recommended. In each case, it is ranked behind only USAA and Auto-Owners, the top two companies in our rating of the best car insurance companies.
Nationwide car insurance discounts
Potential discounts available from Nationwide include:
- Multipolicy
- Defensive driving
- SmartRide (usage-based insurance program)
- Anti-theft
- SmartMiles (based on miles driven)
- Safe driver
- Accident free
- Automatic payments
- Good student
- Paperless