Top 10 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 Ten
1 Esurance Esurance, founded in 1999, is a direct-to-consumer insurance company offering auto, home, and renters insurance. Acquired by Allstate in 2011, the company is known for its online platform and technology-focused approach.

I was tired of my insurance payments going up and up and up, so I 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 I am glad I switched!

I just called Esurance based on this website and we're going to be lowering our payment by $1319 per year for auto and $95 per year for homeowners. Wow... That's a lot to save compared to Liberty Mutual. In addition, we added our youngest son to the auto policy, so it's significantly lower. We've been with Liberty Mutual since 1990, and you'd think that we'd have better rates than that.

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2 Liberty Mutual Liberty Mutual is an American diversified global insurer, founded in 1912. The company offers various types of insurance including auto, home, and life insurance.

They are the best out there! I have gone to different ones and had to come back to them because they are so honest, friendly, and professional. They are not ripping you off with those 6-month policies and 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!

Better coverage than The General by far. My bill with The General was $180 a month for three cars with two drivers: one full coverage and the others liability only. Then I told them to take my Mercedes off my policy because I sold it. One year later, I get my new ID cards and the Mercedes is still on it. I was charged for a year for a car I didn't own, and The General didn't want to help at all. They said I had to go to the DMV and get a copy or statement saying I no longer had the car.

So, I called Liberty Mutual and now my bill is $120. I have full coverage on one car, basic coverage on the other with uninsured motorists, and we also got renters insurance. Maybe The General did me a favor by ripping me off for a year, making me switch to a real insurance company. Thank you, Liberty Mutual.

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3 State Farm State Farm is one of the largest providers of auto insurance in the United States. Founded in 1922, the company offers a wide range of insurance products and financial services.

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 townhome 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.

I recently inherited my grandfather's Jeep, and he had done a fair bit of minor damage to the side. Nothing serious, just simple scratches and whatnot. After I got the car from him, we wanted to get those scratches fixed up so I wasn't driving a visibly used car. I called the claims adjuster from State Farm, and he arrived right at the time they said he would. While surveying the damages, he asked about a few scratches that were even smaller than the ones we wanted to get fixed up. I was honest and said that he had used a row of bushes at his house to guide his car into the garage, and he was extremely pleasant and appreciative of my honesty. We wound up getting an insurance check worth more than the body shop's repair estimate!

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4 USAA USAA, or United Services Automobile Association, specializes in providing insurance to military members and their families. The company was founded in 1922 and is known for its excellent customer service.

They are always there! When I lost control of my new pickup (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. She gave me sound advice as to where to take the truck. Everything was handled smoothly and quickly. The settlement was swift. I was in a rental car in a matter of a few hours and in a 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 was 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!

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5 GEICO GEICO, short for Government Employees Insurance Company, was established in 1936. It is one of the most well-known car insurance providers and offers a variety of insurance plans and discounts.

I had State Farm before. I bought a new car and sold the old one. State Farm was charging me $120 a month for full coverage, and that didn't include coverage for a broken windshield. I wouldn't have thought about getting a new insurance company if it hadn't been for my State Farm agent who kept ignoring me. I called him multiple times, but someone else answered the phone. He took my message and said my agent would call me back, but he never did. Then, I happened to drive by a Geico office and decided to inquire. Geico is charging me $90 per month for the same full coverage I had with State Farm, and it includes windshield insurance. That's a savings of $360 per year! Additionally, they gave me some freebies like pens, a tumbler, and other stuff. I went to AAA, but they said they wouldn't insure me because my US driver's license is less than 18 months old. They also wouldn't honor my professional driver's license from another country, even though I'm 30 years old. On the other hand, Geico gave me more discounts because of that license and an additional discount for being a registered nurse.

6 Nationwide Nationwide is a large insurance and financial services company established in 1926. With headquarters in Columbus, Ohio, the company provides a range of insurance services, including auto and home insurance.

I just switched from State Farm to Nationwide. 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 the car rental fee, and I only have a $100 deductible for collision. However, they do have a $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 keep getting bills with extra charges, and if I don't pay, they will cancel my coverage. I went online and checked several other companies, but no success. When I contacted Nationwide, I ran into a problem doing the online quote, so I called and talked with an agent. He was extremely helpful, got me three times the coverage, roadside service, towing, and all at a much lower rate! I'm very thankful for the kindness and 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!

7 Progressive Progressive Corporation is an American insurance company that specializes in car insurance. Founded in 1937, it also offers a variety of other insurance products like home and renters insurance.

I used to have Farmers Insurance until I got into 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.

Cheapest rate anywhere I could find. If you have a '96 or newer vehicle, you can get the snapshot discount. I drive a '95, so I don't qualify, but the rates are still low. Motorcycle policy is great because most insurers don't offer roadside assistance for cycles, but Progressive does. They only go back 3 years on driving history instead of 5 like most other providers. Progressive is at the top, whether we like to admit it or not. Most insurance companies drop you in a claim; that is just part of doing business for profit.

8 Allstate Allstate was founded in 1931 and has its headquarters in Northfield Township, Illinois. The company offers multiple types of insurance, including auto, home, and life, and has a broad network of agents across the U.S.

They helped me during an insurance lapse during a move to Oklahoma from California. I could have lost quite a bit without coverage. It helped that it was not my fault. In Cali, I would have just got zilch. Here, I got help, thanks.

I had two unfortunate accidents and they never canceled my policy, like State Farm does, and I've been with them for 6 years! That's all I have to say.

Best car insurance, saved $688 for 6 months. You can call up your local agent anytime, and they know you by name. There's no 800 number. They're number 1!

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9 Travelers Travelers is one of the oldest insurance companies in the United States, founded in 1853. With its headquarters in New York City, the company provides various types of insurance including auto, home, and business insurance.

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 all my policies starting on the same date - my auto insurance is now for a year instead of two six-month terms, and I saved money on the yearly policy!

I have never had a problem with any claim.

I compared other online and "brick" insurance companies against Travelers, and they were the best compared to the coverages we previously had. I even called AARP-The Hartford and told them that I found better-priced coverage. I asked if they could do better, but they told me no. So we switched. I even got my Jeep covered. Our combined home and (2) cars for 2013-2014 cost $1419 for the year. We had a glass claim, and it was handled quickly and efficiently. I recommend trying them.

10 Farmers Insurance Farmers Insurance, founded in 1928, has its headquarters in Los Angeles, California. It offers a wide range of insurance products including auto, home, and life insurance, and is known for its comprehensive coverage options.

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 scenarios 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.

If you're truly a good driver, then the others listed above are like hood rat monthly payment companies. Farmers Insurance is for folks who know insurance. If some meth head driving a stolen Dodge Caravan with rust on its sides tries to get away from a cop doing 100 mph and runs into your family, Farmers will be there with four helper monkeys, a fire extinguisher, and a blank check to cover everything.

The Contenders
11 Erie Insurance Erie Insurance, established in 1925, is based in Erie, Pennsylvania. The company offers auto, home, business, and life insurance and is known for its competitive rates and strong customer service.

Working with insurance adjusters on a daily basis, I couldn't imagine carrying insurance through any other company. I find Erie to be the most likely to settle claims, which makes me feel extremely well-covered when I'm on the road. I know that if something happens and the other person doesn't have insurance, my company will take care of me without pushing back or thinking of dropping me. I love ERIE!

I left Nationwide after 33 years for Erie. I had policies for three cars and two houses and saved over 30%. That's a big savings that no one could match for the same coverage. There was nothing wrong with Nationwide. They just kept increasing the price even though I had no claims. After a lot of research, Erie was the best choice I found.

I have had ERIE for auto and homeowners insurance for 35+ years. Having conducted comparisons from time to time, I have not been able to find better rates and coverage for the money I've spent. Their claims service is outstanding to me. They truly excel in providing service. The only drawback is that they are somewhat regional.

12 Auto-Owners Insurance Auto-Owners Insurance is an American insurance company headquartered in Lansing, Michigan. Founded in 1916, the company provides a wide variety of insurance products, including auto, home, and life insurance.

I've dealt with them on two homeowner claims (for my grandmother) and three auto claims (a $68k uninsured motorist claim and a broken windshield claim on my cars, and my mom's car after she hit a deer). These claims have spanned the last nine years. Each one was handled with a high level of professionalism, but also with decency, kindness, and compassion. They are truly an honest company that pays the claims they owe quickly and fairly. When I was injured by the uninsured motorist in 2010, the first thing my attorney said when he saw that I had A-O was, "You have nothing to worry about. They will take care of you."

Very prompt in handling and paying the only claim I have had with them, which was for roof replacement on my home. I have never had to make a claim on my auto insurance with them, but I presume they would handle it in the same satisfactory way. I like their discount for paying annual premiums in full. I also appreciate the fact that they do not spend exorbitant amounts of money on misleading TV commercials, as many other companies do.

13 AAA AAA, also known as the American Automobile Association, was founded in 1902. While originally focused on promoting automotive safety and providing roadside assistance, it now also offers a variety of insurance products.

I just finished up an 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 a higher income. This past weekend was the first time I've had to actually invoke my car insurance coverage due to a hit and run on my car while parked.

The response time, courteousness, and professionalism shown by the AAA agent were amazing.

I intend to stay with AAA for many, many years to come. Thumbs up.

I have had AAA Car Insurance for about 5 years. I have been very impressed with this company. They help their clients. If it is a few dollars more, so what? I can rely on insurance I can trust! Their Roadside Service is impeccable! They are there! No wait! Why would I want to give up outstanding service such as this to save a few bucks? AAA has been my Car Insurance long enough to know they are the best!

14 Clearcover Clearcover is a technology-driven insurance provider founded in 2016. The company specializes in auto insurance and aims to provide more affordable and streamlined insurance experiences through its digital platform.
15 Amica Amica Mutual Insurance, founded in 1907, is the oldest mutual insurer of automobiles in the United States. The company is known for its high levels of customer satisfaction and offers a variety of insurance products.

I'm switching to Amica from State Farm because I reviewed my State Farm policy and found that they no longer pay to return my vehicle to "pre-loss" condition. Instead, they only cover what is competitive in the market area. I have been with State Farm for over 12 years and only recently read my policy booklet to discover this change. Based on the language in State Farm's auto policies, I am very unhappy.

State Farm gets to dictate what is competitive in the market area. Because most of the shops in my area are subpar, State Farm will not pay to have my vehicle properly repaired, as it isn't considered competitive in my market area. This also means that if I hit someone and they take their vehicle to a quality shop, but State Farm does not cover the repair costs properly, I could be sued by the person I hit. I expect more from my insurance, and I hope others do too.

After contacting Amica, I have found their representatives to be far better than any State Farm agent I've interacted with in twelve years. By switching to Amica, I now receive the best customer service available and also benefit from increased coverages to protect me in the event that I do have a claim.

16 21st Century Insurance 21st Century Insurance, founded in 1958, focuses primarily on offering auto insurance products. Acquired by Farmers Insurance Group in 2009, the company strives for simplified, direct-to-consumer insurance services.

When I talked to the employees at 21st Century Insurance, they didn't talk at me, they talked to me just like they would any other person. They looked past the bottom line dollar signs and saw 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 haven't encountered this with 21st Century Insurance and that, my friends, leaves me a satisfied customer!

I love 21st Century. I am elated that I made the switch from Farmers. Farmers used to make mistakes on my policy, and I had to pay for it by them overcharging 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 policyholders.

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

17 MetLife MetLife, or Metropolitan Life Insurance Company, is one of the largest global providers of insurance and employee benefits. Founded in 1868, the company offers various types of insurance, including auto and home insurance.

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 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 teenage 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.

18 Ameriprise Ameriprise Financial provides a variety of financial services, including insurance products. Founded in 1894, the company offers auto, home, and life insurance, often bundled with its financial planning services.

Very good auto insurance rates. I have them through Costco. The representatives that I generally talk to are relatively pleasant and helpful.

We have saved money with outstanding customer service. We have been insured with Ameriprise for over 15 years.

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

19 Safeco Safeco Insurance, a member of Liberty Mutual Group, was founded in 1923. Specializing in personal lines of insurance, the company offers auto, home, and renters insurance across the United States.

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 and 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 drive-in movie theater. Ha!

20 COUNTRY Financial COUNTRY Financial, founded in 1925, provides a broad array of insurance and financial products. Headquartered in Bloomington, Illinois, the company offers auto, home, life, and business insurance.

I have insurance with this company, and they have served me well. When I call or need help, the Johnny Blackwell agency in Albertville, AL is there for me. I always talk to him or his customer service representative. This means a lot to me, and being old school, I appreciate this company. I don't mind paying when I can depend on my agent. Thanks, Johnny Blackwell, for being there for me and my family.

21 Acceptance Acceptance Insurance is headquartered in Nashville, Tennessee, and specializes in high-risk auto insurance. Founded in 1969, the company provides coverage options for drivers who may have difficulty obtaining insurance elsewhere.

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, and 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.

22 Wawanesa Wawanesa Insurance is a Canadian company founded in 1896, with U.S. operations primarily in California and Oregon. The company provides auto, home, and renters insurance and is known for its competitive rates.

I've had this company for years, including coverage for my 21-year-old son. It's not an easy feat to get reasonable prices, complete consideration by all employees, and real people who meet all our needs when it really counts. For example, my son was in a total loss accident when hit in a hit-and-run on a busy freeway. He had minor physical injuries, but Wawanesa came through, providing everything we needed! We love Wawanesa.

Been with them for over 10 years. The customer service is great, response time is excellent, and the cost of coverage is outstanding.

Cheapest insurance and good service, too. They were there when I needed them, professional, and very efficient.

23 Elephant Insurance Elephant Insurance is a direct-to-consumer insurance company headquartered in Richmond, Virginia. Founded in 2009, it specializes in auto and home insurance, focusing on providing affordable rates.

We used to have Geico. We have a clean driving record, no accidents, and our insurance goes up. So we changed to Elephant and love it! And it is a whole lot less with the same coverages.

24 Safe Auto Safe Auto specializes in providing minimum-limit auto insurance. Founded in 1993 and based in Columbus, Ohio, the company targets drivers who are looking for affordable, state-required auto coverage.

Man, my insurance (Safe Auto) needs to get ranked up!

25 Shelter Insurance Shelter Insurance was founded in 1946 and is based in Columbia, Missouri. The company offers a range of insurance products, including auto, home, and life insurance, often through a network of local agents.
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