Best Car Insurance Companies
Knowing you have selected a good car insurance company is peace of mind you will want to have before you get in an accident, have your car stolen, or encounter any number of situations that involve you having to make a claim. You don't want to find out too late that your car insurance provider isn't up to par.This list contains the top ten best auto insurance companies based on affordability, value of services, and responsiveness. Because, after all, what good is having a rock bottom rate if you don't get enough in return or can't get the help you need when you need it.
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The Top Ten
1Liberty Mutual
They are the BEST out there! I have gone to different ones and had to come back to them because they are so honest, so friendly and so professional. They are not ripping you off with those 6 month policies and with a bunch of other fees. Do your research... Call around and you will be shocked at how many of those other companies are charging for their premiums (double what Liberty Mutual charges) and then once they get you the first year with somewhat low rates, they hike them back up the second year! Do your research and you will realize that Liberty Mutual is the best all around!
I am a 40 year customer. They are personal, competitively priced, and are quick and professional wiht price. Sometimes they try to raise prices at renewal time if you don't stay on top of your policy.
This is an amazing company. I remember when I was small when my mother would show me her work (At Liberty Mutual). Everybody gave me mints and gave me a caring grin. When I passed there well lit offices. I loved the people there and I still do.
More comments about Liberty MutualSPONSOREDVisit Liberty Mutual Website
2GEICO
I love GEICO, they have EXCELLENT customer service! They are always great, they're always so personal, they are always there to help all day and night and weekends and you don't have to worry about someone being on vacation or sick because there's always more and great agents there to help. Plus they work with other outside companies and you can get discounts other places just for being with them. I just wanted to say I think GEICO is worth calling and getting a quote if you don't already have a policy.
I just switched to Geico because of these comments. I thought the whole, "save you more money, " marketing was just a gimmick, but I really did save money. My bill has gone down! I'm paying less for 2 vehicles than I was for 1 vehicle with another provider, same features! I spoke with 3 different people, and all of them were great, and personable. I didn't feel like just another number. Awesome rates, awesome service. Highly recommended.
Switched from Allstate after 24 1/2 year and Saved $600.00 every 6 months. Was paying $1298 and now $698. 10 and now I'm switching home insurance also. Thank You GEICO for SAVING me $1200 a year on my AUTO.
More comments about GEICOSPONSOREDVisit GEICO Website
3Esurance
Thanks Esurance for the savings, Progressive wanted
$900.00 6 months and 21st wanted $1100.00 and ESURANCE
$525.00 what more can I say!
$900.00 6 months and 21st wanted $1100.00 and ESURANCE
$525.00 what more can I say!
Simple, easy to use online interface with little or no lag time. You can change your policy and pay bills in literally seconds. 5/5 stars for convenience alone. Competitive rates too.
I was tired of my insurance payments going up and up and up, so thought it was time to start shopping for new insurance. I had tried over the Internet before but hadn't a clue what I was doing, so I just gave up. I had my previous insurance elsewhere and came to find out I was paying way, way too much. I am saving $750. 00 a year by switching to Esurance! I could not believe it! I immediately started the process of switching, and I am now a new Esurance customer and a very happy one! Today, I received my policy and cards via email just as promised and am glad I switched!
More comments about EsuranceSPONSOREDVisit Esurance Website
4State Farm
I love State Farm, they handle all my ins. My car, car loan, my Apt. , and my health ins. My old car loan charged me a lot for gap insurance, my SF car loan gives me gap insurance for free, I saved money when I refinance my car with SF. My old insurance was more money, and my coverages where less. My agent explained what I had, and I picked better coverages and pay less. I also like their website. Nice being able to talk to real people 24/7, even in late at night, m and I am traveling, and in other time zones. Great service.
A company can't stay number one in business unless the people in the company do what they promise. I have always been delivered more than promised by my State Farm Agent. No one asks how much they were paying when one has a claim. Price becomes pretty subjective. How fast and fair claim is handled matters the most when one has a loss.
Never in my life have I ever had a problem with state farm. My family and I have been there with them for 50 years. Are the premiums high? I have been self employed for quite a few years. If you want me, you will pay a premium for that due to the service you get. State Farm rates are in with the rest, but my agent Kelly Langen is the best and I would never change for lousey service to save a buck!
More comments about State Farm
5Allstate
I switched from State Farm to Allstate... SF really don't give a damn about their clients. When I retired I moved to another state and my rates doubled because SF charged me for 3 incidents because a SF policyholer rearended me and they said I could have used my policy, even though their ph was at fault 100,,,, their customer rating system is difficult to understand and they cannot explain it I've found a company that cares about ther clients.
Allstate is great! Saving people so much money always and always there whenever you need someone to help you with your insurance! You can always call your agent and they will help you with your policy however you need help. Saved my parents over 1,000 dollars a year from Travelers Insurance. UNBEATABLE!
I received a quote within minutes online and it was much lower than Geico, Progressive, State Farm, Nationwide and Safeco auto insurance companies. With the promise to keep me insured with their "no insurance hike up when getting into an accident", I will definitely continue to be an Allstate customer. I believe that I am in better hands than all the rest.
More comments about AllstateVisit Allstate Website
6Progressive
I used to have Farmers insurance until I got in an accident. Even though I had a local insurance agent, because I had to file my claim after hours, I had to contact a generic claims call center. Then, since I initiated the claim using the 1-800 number, I had to complete the rest of the process that way. At that point I was asking myself why I was paying a premium to have a local agent when he was doing nothing to help me. After the whole experience, I decided to shop around and ended up choosing Progressive. They had much better prices and since it no longer mattered to me to have a local agent, I signed up. I've had nothing but a positive experience with Progressive so far.
After I switched to Progressive I got into a car accident. I did not know exactly what I needed to do, but the people at progressive helped me the entire way. All I had to do was choose where I wanted to have my car repaired and they did the rest. Since I used one if the shops they referred I had my car back in less than a week. Quick and painless, all I had to do was make a call.
I was in a car accident with a progressive client. I was the one filing the claim and had to be out of the country for a month. The progressive agent worked her ass off in order for me to have my car evaluated for damages. By the time I got back from my trip a check was sent for me with all the instructions. After this I just switched to progressive. Their service is amazing.
More comments about Progressive
7Nationwide
Nationwide is clearly focused on coming through for their members when they need it. My father had a pretty incredible experience getting his roof replaced after a hail storm!
Nationwide fights hard to beat other insurance companie's rates! They are truely on your side and I am very satisfied with my policy :) Join Nationwide toady and save!
Since they minimize their advertising, they have more money to pay claims! Or, you can go with the Geico / Progressive / Allstate business model and pay high premiums for minimal coverage. It's your choice to make.
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821st Century Insurance
When I talked to the employees at 21st Century Insurance, they don't talk at me, they talk to me just like they would any other person. They look past the bottom line dollar signs and see me as an individual; a lot of insurance companies today can't seem to deliver that. I think it's obnoxious when a company becomes so big that they don't treat the customers as people anymore or when companies become so large that the employees become impersonal and arrogant. So far, I've not encountered this with 21st Century Insurance and that, my friends, leaves me a satisfied customer!
The specialist that spoke with me helped me understand what no other insurance company ever did. Wow! I thought the lowest was ok, but now I know. I'm glad I called. They took the time to explain and make suggestions. I was only saving $10, but it was worth the switch from another company on the top 10 list.
They quoted me the best rate for auto insurance compare to Geico and Geico is good with car insurance rate as well but 21st beat it hands down
More comments about 21st Century InsuranceVisit 21st Century Insurance Website
9AAA
I just finished up a auto claim with AAA. I had used AAA for my first car years ago, but switched to geico and then state farm since I had to be insured on a college student budget.
Post grad I moved back to AAA when I was making higher income. The past weekend was the first time I've had to actually invoke my car insurance coverage due to a hit on run on my car while parked.
The response time, courteousness and professionalism shown by the AAA agent was amazing.
I intend to stay with AAA for many, many years to come. Thumbs up.
Post grad I moved back to AAA when I was making higher income. The past weekend was the first time I've had to actually invoke my car insurance coverage due to a hit on run on my car while parked.
The response time, courteousness and professionalism shown by the AAA agent was amazing.
I intend to stay with AAA for many, many years to come. Thumbs up.
Quality of Service: 5 (out of 5).
Response Time: 5
Knowledgeable: 5
Rate: 4 (comparable with State Farm, whom I just cancelled policy with).
I've just switched back to AAA after 2-yr with STate Farm ("non-owner policy"), where both the local office & 800 number reps speak in a general homogenous, non-caring tone of voice. Thankfully, during the 2-yr, I had no need to file claims or other complicated issues with State Farm. So, really, my rating is based on "Service Quality". They ought to record & listen carefully to how their own rep/agents speak.
Response Time: 5
Knowledgeable: 5
Rate: 4 (comparable with State Farm, whom I just cancelled policy with).
I've just switched back to AAA after 2-yr with STate Farm ("non-owner policy"), where both the local office & 800 number reps speak in a general homogenous, non-caring tone of voice. Thankfully, during the 2-yr, I had no need to file claims or other complicated issues with State Farm. So, really, my rating is based on "Service Quality". They ought to record & listen carefully to how their own rep/agents speak.
The most feared by other insurance companies. With AAA, nobody messes with you.
More comments about AAA
10The Hartford
Saved me $370.00 on a three car policy and have nad no problems with the two claims I had within the last three years. Easy to work with on the phone or on line, you can choose your own repair shop and they will back you if the repairs are not correct. Had State Farm before and they did not have a firm handle on my account. I was recieving notification of changes constantly, $11.00 here and $14.00 there. When I would call to inquire, If I could get through they were never sure or justify why the small changes. They took all my pocket change, will not go back, I found a new home after years at SF.
AARP (The Hartford group) save me over $600.00 a year on my home and Auto insurance. I was with Liberty Mutual for around 15 years and never had any claims. But they would not lower my premiums. The old proverbial straw was, this year they raised the rates on us again. So see ya later for sure. They do not appreciate their loyal good customers. Don't buy from them unless you like to give money away.
Very good when you report the accident, no problem with the payment and fast attendance with the repair company.
More comments about The Hartford
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The Contenders
11USAA
USAA is just the best for taking care of their customers and making a stressful situation virtually stress free.
I have had USAA since 1975. I qualified based on my father's status as a US Army Officer. In 1978, I became qualified on my own when I received a direct commission as an officer.
USAA used to be for Officers and their families only. Not long ago they opened up membership to non-commissioned officers, then to all active military. Recently they even opened up membership to include honorably discharged veterans as well.
I have had USAA since 1975. I qualified based on my father's status as a US Army Officer. In 1978, I became qualified on my own when I received a direct commission as an officer.
USAA used to be for Officers and their families only. Not long ago they opened up membership to non-commissioned officers, then to all active military. Recently they even opened up membership to include honorably discharged veterans as well.
I had been with the number one company, 12 years, when a link form my TWS site brought me to their page. I have been fully retired for a couple of years and had intended to look up a few quotes, mainly to assure myself I was spending my money wisely. I found I could save $360 a year with a higher value policy than I had with #1. ( Possibly more if I reduced my deductible)
I contacted USAA via the web, asked a few questions, got first rate answers and help, as well as prompt replies to my emails. I am now sure my coverage is a great value and the company is top notch. My wife and I combined drive less than 8000 miles a year and feel secure in knowing this company is behind us.
I contacted USAA via the web, asked a few questions, got first rate answers and help, as well as prompt replies to my emails. I am now sure my coverage is a great value and the company is top notch. My wife and I combined drive less than 8000 miles a year and feel secure in knowing this company is behind us.
USAA.. Can't beat their service and efficiency. Saved half on what I was paying with State Farm. Switched from State Farm after 35 years based on the way they handle my one and only claim. They sent me a letter not to accept, my State Farm Agent never called or would talk to me (always to busy). His office in Blairsville, GA lost the paperwork 3 different times. Finally after a year, I called the main office. I did get my money but would NEVER recommend or do business with State Farm again.
USAA, HIGHLY RECOMMEND
More comments about USAAUSAA, HIGHLY RECOMMEND
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12Acceptance
Very friendly, personal, and informative staff. I enjoyed the choices that were given to me and how my coverages suited my needs and budget. I am a non-standard customer and my rate compared to the other non-standard insurance companies was lower & I received better customer service.
Visit Acceptance Website
13Shelter Insurance
Visit Shelter Insurance Website
14RACQ
Visit RACQ Website
15Travelers
I've had travelers for over thirty years. My insurance agent a few years ago left a message on my answering machine that I should give her a call and I might be able to save money on my insurance. And my insurance went down by over 1/3 of the cost. This year I had my all my policies starting the same date - my auto insurance is now for a year instead of two six month terms and I saved money on the year policy!
I have never had a problem with any claim.
I have never had a problem with any claim.
The Best period, you get an actual local agent and not somebody at a call center in another state like GEICO and Esurance. Plus because they use independant agents you know you're getting the best company for you. My previous State Farm agent always told me State Farm was the best... of course he did it's all he could offer me. After I paid high premiums for 11 years with State Farm I'll be a Travelers customer for life.
Dont know how this company gets a rating of 13. My coverages all DOUBLED with travelers and I am saving 35.00 a month compared to having have the coverage with Geico. Plus, I had been with Geico four years.. never saw a decrease and I was perfect.. no accidents.. no tickets...
More comments about TravelersVisit Travelers Website
16Elephant Insurance
Visit Elephant Insurance Website
17Farmers Insurance
My agent really took the time to explain or I should say educate me on my policy how to read what each part meant and scenerios of how I was covered if something happened. I ended up paying a little more in premium but the protection I have for myself and my family makes me feel like I'm a celeb. My agent values protecting my family, I also like the fact he calls my house just to see how we are doing. If you live in the Kansas City area, Farmers agent Troy Bower would be a real blessing to your home.
I work in the collision repair business. I get the best service from Farmers. There claims reps and adjuster are fantastic. I even went as far as changing my insurance from another carrier to Farmers! They are far superior in my opinion!
Love it a great company it save my mom a lot of money and it is really good with customer service I enjoy visiting the agents everyday. It is very nice too feel welcome every time you go to their office and they treat you like family
More comments about Farmers InsuranceVisit Farmers Insurance Website
18Pekin
Visit Pekin Website
19American Family
I saved almost $1000 and my agent is very knowlegable.
The best claims experience that any company has provided me. Brad Bodden In Madison Wisconsin has taken care of all my needs and has made sure that my assets are protected for years to come. The best all around service in the industry hands down!
AMERICA FAMILY in Vancouver WA is great! The agent in the Down Town Area is amazing. I called Progressive, Geico, State Farm and all the Big guys. AMFAM Was not only the best price but also the best service.
More comments about American FamilyVisit American Family Website
20California Casualty
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21Ameriprise
Great rates on higher coverage (100/300) per incident. Very nice customer service.
GREAT CUSTOMER SERVICE AND ALSO GREAT RATE EXCELLENT SERVICE OUTSTANDING SERIVE MET.
Most competitive rates
22Pemco
Awesome insurance and great coverage. You will know their goodness if you ever need your car repaired. Even in a not my fault accident, PEMCO provided all the assistant needed in dealing with other person's insurance.
Visit Pemco Website
23Amica
We have our home and two autos with Amica. Good rates and great customer service. Never had a single problem, switched from AmFam
Lowest rates and absolutely fabulous customer service! I switched from Geico, and saved over $600 per year for 2 cars, plus another discount for my home insurance which I switched from Travellers and saved another $500
Outstanding, best rates in the US. Number 1 in the annual CONSUMER REPORT ratings.
More comments about AmicaVisit Amica Website
24Safeco
I agree. Safeco is a very well hidden Insurance company and it is also a GREAT company to be with.
Offers great rates and is a quality company.
Offers great rates
More comments about SafecoVisit Safeco Website
25Mercury
ALTHO they did not give me discounts, at least they did not charge an arm and a LEG after my one accident. Mercury has been faithful and very helpful when I am a couple days late on payment. DARN ALLSTATE! They paid the other party over and over and over, even though the damage to my fender was worse, they only had a slight tap on rear end, but got FULL VALUE for their 'destroyed' car, and all 5 occupants got PT and chiropractic visits 3x each. I WAS ANGRY! They were not injured, and the car was repairable. But Mercury came through and gave me a good deal for the upcoming years!
Visit Mercury Website
26Erie Insurance
Great rate and customer service. I have been with Erie for 9 years and have been very pleased. I have referred my friends and family
Great car insurance company. I moved from Progressive to Erie. Cheaper rates and excellent policy/service.
I'm very pleased with Erie! To me they're number one!
More comments about Erie InsuranceVisit Erie Insurance Website
27GMAC Insurance
I've had GMAC Insurance for over ten years. Never had any problems. They are a great company. I would never switch to another company.
Have had very good experience's with them in the 20 years I've been with them. No hassles so far.
Visit GMAC Insurance Website
28Farm Bureau Insurance
Farm Bureau has great rates and personal attention to customers!
Has never let us down Very easy to work with and rates rarely go up
Visit Farm Bureau Insurance Website
29Auto-Owners Insurance
Actually pay claims. Even when on an older vehicle with little damage.
Great company! Underrated as a company and has great independent agents in western Illinois!
Best co last 5 years by JD Powell
Visit Auto-Owners Insurance Website
30Seminole Casualty Insurance
great low prices for teens and young adults
Visit Seminole Casualty Insurance Website
31Cotton States
They are the best. They go above the call of duty. They do not stop until everything is just right.
showed me how he came up with the value. I told him the car was truly worth more then the average excellent condition 1993. He talked to our mechanic and the the body shop guys to get their input to the condition of the car. He increased the offer by 33%.
Visit Cotton States Website
32Sentry Insurance
Small company but really happy with their multi-line discount! They saved me with home and auto over $800! No one could beat the overall savings when I combined my coverages. Very responsive when I had a claim for a rear end, they helped me every step of the process even though it wasn't their fault.
Visit Sentry Insurance Website
33Safe Auto
Nice service at a great price.
Yes, I completely agree
Man my insurance (Safe Auto) needs to get ranked up!
wefixbadcredit1
Visit Safe Auto Website
34Lincoln Insurance
35MetLife
Got home and auto several years ago. Lost house and vehicles due to a fire. They were awesome to deal with once the cause of the fire had been determined. Two million dollar claim was handled very professionally and with compassion. I went with Metlife because of the price. They were the cheapest when I had teen age drivers in the family. I will stay with them because of the way they treated me after the fire. You never know how good your insurance company is until you have a major claim.
Very competitive rates. And very easy claim process.
Visit MetLife Website
36Aviva
Visit Aviva Website
37The General
Way better than state farm who can go felch themselves. Also meet richie.
Visit The General Website
38EMC
Visit EMC Website
39Encompass
I have been with State Farm for 35 yrs. And it's time for a change. I rec'd my new premium and it increased $341... Encompass was less than half.
Since they are a subsidiary of Allstate and their reviews are good, I will be going with them. State Farm has been good for me, but now in 2013, I can't afford to be paying out all these increases for exactly the same coverage... Bye, bye SF xoxoxo
Since they are a subsidiary of Allstate and their reviews are good, I will be going with them. State Farm has been good for me, but now in 2013, I can't afford to be paying out all these increases for exactly the same coverage... Bye, bye SF xoxoxo
Visit Encompass Website
40Christo insurance
Visit Christo insurance Website
41Wawanesa
Visit Wawanesa Website
42Access General Insurance
Visit Access General Insurance Website
43AXA
Visit AXA Website
44Hanover
Hanover auto insurance policy for an entire year covering two cars and and two drivers was less than 50% of what Progressive wanted for a year for both of us.
Visit Hanover Website
45Alfa Alliance
Visit Alfa Alliance Website
46GuideOne Insurance
Visit GuideOne Insurance Website
47Cumberland Insurance
Visit Cumberland Insurance Website
48Acuity
They have great agents!
Visit Acuity Website
49Direct Auto
Great agents!
Been very happy with them!
Can't believe Direct wasn't on this list. The one on White Bridge Pk in Nashville is the BEST. Great customer service!
Visit Direct Auto Website
50Grange Insurance
Visit Grange Insurance Website
51Generali
Visit Generali Website
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This list was created 4 years, 221 days ago and has been voted on over 4,000 times. This top ten list has been remixed 3 times and has been blogged about 5 times.
Updated Wednesday, June 19, 2013
Updated Wednesday, June 19, 2013
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