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 in the U.S. 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.

The Top TenXW

1Liberty MutualTheTopTens Trusted Partner*

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!

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.

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.

Agents are wonderful

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2EsuranceTheTopTens Trusted Partner*

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!

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!

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.

Much better quote for my cargo van. Liberty wanted $224 per Month. esurance found an insurer for $76/month.

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3AllstateTheTopTens Trusted Partner*

One never really knows how good his or her insurance provider is until disaster strikes. I was broadsided by an SUV that ran a red light. The other driver did not have insurance, and both my wife and I went to the hospital. Allstate's response was compassionate and swift. A few days later all bills were paid. My rates did go up, but the rate hike was well worth the peace of mind I felt. I am sticking with Allstate.

Had GEICO in the military, switched to Allstate, for car & house. A "Common Sense" company. They stood behind us for over 2 years of a law suit, because of our good record! Some kids plowed into us with his junk heap, No insurance, No State license, & they were suing for so much, as our agent said: to set themselves up for a "life of Riley"! Great folks who work for them too & Now we get rebates, 2 x a year, for our good driving record!

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!

Always dependable

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4State Farm

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.

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 were 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.

I've had State Farm my whole life and they have always done right by me. On April 10, 2009 my home was destroyed by a tornado. Amidst all the turmoil, the traffic, and the inability to call anyone... I was finally able to reach my agent around midnight to report my claim. The next morning I went to the location of my destroyed home around 8 am to find my agent was already there with a check in hand to keep me on my feet. My agent and claims team found me a town home to stay in, fully furnished it with supplies and furniture, and allowed me to stay there until the construction on my new home was complete. All the while, tending to my every need and resolving any complications or worries I had very quickly.

It's Jake from State Farm - charlieyourboss

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5Progressive

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.

I shopped around for the best price for the coverage I wanted and Progressive undercut the others by around $1200. Every 6 months my monthly premium goes down. After the first six months we added another car, and the premium only went up by $6 because the policy dropped by such a significant amount. They've been good at getting my documents to me quickly, and having 24 hour customer service - which I'm coming to appreciate more and more with the odd hours I'm awake and work.

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.

Flo is hilarious

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6GEICO

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.

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.

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.

I saved $1000 dollars when I switched from Liberty Mutual to Geico

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7USAA

They are ALWAYS there! When I lost control of my new pick up (11 months old) on slick streets, and totaled it in 2007, I was all alone. No one for miles in any direction. I called USAA to let them know what had happened. I was scared and alone, and the representative stayed on the phone with me until someone got to me. I was physically unhurt, but scared. She eased my fear and talked me through everything I needed to do. Gave me sound advice as to where to take the truck. Everything was handled smoothly and quickly. Settlement was swift. I was in a rental car in a matter of a few hours and in new car in a matter of days. We have been with USAA since 1976. We have had three burglary claims with them over the years and every one handled well and payment was swift. They are an honorable company who put their customers FIRST. They are fast, efficient and thorough. I highly recommend USAA to anyone who wants to be treated well!

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've had USAA auto insurance for over 30 years. Fortunately I have not had to use the coverage frequently but when I have, it has been excellent. In 2014 I was run off of the road by an 18 wheeler in a remote area. Fortunately I did have a cell phone signal and was able to contact USAA. They dispatched a tow truck and the representative stayed on the line with me until it arrived. I was not physically injured just a bit upset due to the fact that the 18 wheeler driver did not stop nor did 2 more that were following behind. Within 2 1/2 hours, my vehicle was at a repair shop where the USAA appraiser would be inspecting it for damage and I was in a rental and back on the road. I have always had prompt and courteous service from USAA. They also have some of the best coverage rates available.

My wife and I have been a USAA members for over 35 years. Both of my sons are members and their wives. We have used them about 4 times and each time they were great. Gave us a rental car and lifetime warranties on all the repairs made. We bank with them, finance our cars with them and have our life insurance through them. I will be a lifetime member and so will the rest of my family.

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8Nationwide

I just switched from State Farm to Nationwide and State Farm was reasonable, though I wasn't necessarily happy with the coverage. It was only $79 a month for full coverage, but they didn't have accident forgiveness, if I got into an accident, I would have to pay 20% of the rental fee for a car, and the lowest deductible for collision they will go is $250. I switched to Nationwide a week ago and the quote was for $70 a month, (every little bit counts) but the big difference is the coverage. I got accident forgiveness included, also they pay 100% of car rental fee, and I only have $100 deductible for collision. However they do have $0 deductible but 100 I can do. This is for a 2011 Ford Focus which Focuses are generally cheap to insure.

I have been with Progressive for over two years, but I keep getting bills with extra charges and if I don't pay they will cancel my coverage. I went on line and checked several other companies, but NO success. When I contacted Nationwide, I ran into a problem doing the on line quote, so I called and talked with an agent. He was extremely helpful, got me three times the coverage, road side service, towing and all at a much lower rate! I'm very thankful with the kindness and the outstanding service, that this man and company showed me and how he made me feel, like my business was important to him and his company. I believe that I'm going to be a very satisfied customer and long time client as well!

I LOVE nationwide! I previously had State farm under my parents, and switched onto my own when quoted. I received a call the next week telling me it would be 90 more a month! I called EVERYWHERE and the cheapest I could find was 4000/6 months, until I called nationwide. (I am only 18 with a new car and high coverage. ) My new agent is VERY nice and informative and I am only paying 1200/6months. One week after switching, someone totaled my car, and Nationwide was right there, helping me through everything. I would NEVER switch! Go Nationwide!

I switched from GEICO after 5 years. GEICO would keep increasing my premium every 6 months. I called Nationwide and spoke to Jonathan Kennedy he was WONDERFUL he helped me thru the process and saved me 900 a year for Better Coverage then I had with GEICO. Jonathan also help me switch my Home Owners over and saved me 600 a year overall he saved me 1500 a year and I got better coverage then what I had! So far so good! Nationwide is worth a try great service!

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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.

The most feared by other insurance companies. With AAA, nobody messes with you.

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.

Best company ever!

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1021st 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.

I love 21st Century, I am elated that I made the switch from Farmers. Farmers use to make mistakes on my policy and I had to pay for it by them over charging me, so enough said about them. 21st Century keep up the good work your customer service skills are on point as well as the compassion you show your policy holders.

I would recommend this company and the savings are awesome. A satisfy customer

You are the best car insurance

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The Contenders

11Farmers 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!

Great agents and seem to have options to cover all my belongings! Really nice to have all my insurance policies in one place. They have been around a long time and do a lot in my local area.

I saved a lot of money by switching from Allstate to Farmers.

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12Travelers

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.

Don't 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...

I compared other online and "brick" insurance companies against Travelers and they were the best compared with the coverages we previously had. I even called AARP-The Hartford and told them I found better priced coverage and could they do better. They told me no so we switched. I even get my Jeep covered. Our combined home and (2) cars for 2013-2014 was $1419 for the YEAR. We had a glass claim and it was handled quickly and efficiently. Try Them.

This is the best company ever wow

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13MetLife

I love metlife! My brother was driving my car and wrecked it. They were so responsive and proactive. They encouraged him to see a doctor right away, paid all the medical bills promptly, and paid a decent price for my totaled car. They routinely checked up on my brother to make sure he was getting all of the attention he needed. I couldn't believe these guys! THEN my brother hit a building with my truck and did some damage to the building. They again dealt with it promptly and settled with the property owner. They were so available and easy to talk with. They were so nice to me and after these two incidents, they did not raise my rates or anything. Truly, I will never use any other company! I have absolutely nothing negative to say about them.

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.

I name is Mike and I have been with MetLife Auto for quite a few years now. Have had most of the these well known Companies and, MetLife has always had better coverage, much better price at $950.00 + and that's not for only six months but, the whole year!

Good ins. and good price

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14Ameriprise

Great rates on higher coverage (100/300) per incident. Very nice customer service.

Have them through Costco for Home/ Auto. Great rates and excellent coverage

Used them for over 12 years, no other company has beat there rates for me.

Great rates for higher coverage (100/300).

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15The 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.

I was with AAA for the longest time in my life, promised to lower my premium, but when it was time to put out they said that's our best price for 2 cars and my home around 2k. I called AARP ( Hartford insurance) and they gave me a price of $1,200 LOTS of savings for the same coverage. Then I had one car left and wanted a price from AAA $3,200 just for 1 car and Hartford $740. Are these insurance for real! Apparently only Hartford is not greedy FOR THE SAME COVERAGE. When I had an accident about 5 months ago (not my fault) State Farm had a max coverage of 25K in Vegas ( you guys watch out for this) was told to get the initial sum from Hartford -NO PROBLEM very nice and followed up all my problems. My advice all you 50 year olds try and contact Hartford and ask, you have nothing to lose.

I am a retired ins agent, switched to Hartford after retirement, better coverage for a cheaper rate, better service on claims. Was with farmers, got tired of making up excuses why rates went up, claims service was not as good,

The best ever get your money worth

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16Safeco

I have been with Safeco for over 20 years. I have totaled three cars with over $40k in claims there. I have been impressed with their fast claims service and the fact that they never raised my rates after a claim. I have shopped rates in the past an Safeco could not be beat. Safeco has always been there when I needed them.

My daughter has piled up her car on numerous occasions and Safeco always paid the bill! She has never had an increase in premium for over 10 years. I think Safeco is one of the hidden gems of car insurance companies!

I was with safeco for years and had zero problems. I was impressed with their roadside assistance who came to help me get my keys out of my car when we locked them in at a driver in movie theater ha!

Same benefits as Liberty Mutual. Best in claims, best in customer satisfaction.

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17Amica

Switching to Amica from State Farm because I reviewed my State Farm policy and found that they are no longer paying to return my vehicle to "pre-loss" condition, and instead they are only paying for what is competative in the market area. I have been with State Farm for over 12 years, and recently read my policy booklet, and found this out. Based on the way State Farm's auto policies read I am very unhappy. State Farm gets to dictate what is competative in the market area, and because the majority of the shops in my area are not good shops, State Farm will not pay to have my vehicle repaired properly because it isn't competative in the market area as my policy reads. This also means that if I hit someone and they take their vehicle to a quality shop and State Farm does not pay for the cost to repair the other party's vehicle properly, then I can be sued by the person I hit. I expect more from my insurance, and I hope others do to. After contacting Amica I have found their ...more

We have our home and two autos with Amica. Good rates and great customer service. Never had a single problem, switched from AmFam

We have our car and home with Amica. Their rates are fair but more importantly they provide great customer service and handled our auto accident (that was not our fault) with great satisfaction. We had them handle the claim and reimbursement versus Allstate (which I view as the worst after 2 separate incidents with Allstate).

Amiga is the best insurance company I've had. I had a fender bender and they didn't even make me pay a dime

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18The General

Way better than state farm who can go felch themselves. Also meet richie.

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19American Family

Best Insurance Company I've ever had. They may not be the cheapest but if you rate your insurance companies on price I hope you never have a claim. You will be shaken to the core to see what the cheap guys do when you have a claim. With American Family we called Russ our agent and his staff helps us through the whole process. When we talked to the claim adjuster he was very informative and worked with us. Our car was totaled. It was an older car but it was my daughter's grandmother's car and had less the 10000 miles on the 7 year old car. The adjuster came back with an amount I felt was low. He 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%. He had to get approval from the company to do this. He and my agent went to bat for us and we were paid what I considered a fair price for ...more

I love this company. The most important thing to me is knowing that if I do have a claim the insurance company is going to step up to the plate and I have never been disappointed by American family. What great customer service. My agent even calls me to wish me happy birthday and I love knowing my agent. Top notch company the way

My agent came to the scene of an accident to deliver an insurance card and when my baby was born she was there at my baby shower.

Quick on claims if you need it. And very nice.

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20Acceptance

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.

Extraordinary customer service through and through! This is one of the few places that I've shopped where I really felt like the agents listened to me and understood my needs. My only regret is not checking them out sooner.

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List StatsUpdated 30 Apr 2016

7,000 votes
57 listings
7 years, 172 days old

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2. Nationwide
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1. State Farm
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1. Progressive
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