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!

Visit Website Get a Free Quote
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 six-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). 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!

Visit Website Get a Free Quote
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, they tended to my every need and resolved any complications or worries I had very quickly.

Visit Website
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!

Visit Website
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 would offer is $250.

I switched to Nationwide a week ago, and the quote was for $70 a month (every little bit counts). 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 option, but $100 is manageable. This is for a 2011 Ford Focus, which are generally cheap to insure.

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.

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). I've been with them for six years! That's all I have to say.

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

Get a Free Quote
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 celebrity.

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. Their claims reps and adjusters are fantastic. I even went as far as changing my insurance from another carrier to Farmers! They are far superior in my opinion!

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.

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 $68,000 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."

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.

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!

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.

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!

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, the response time is excellent, and the cost of coverage is outstanding.

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.
8Load More
PSearch List
*A Trusted Partner designation denotes a listing whose rank has been determined by our staff. Typically, TheTopTens receives compensation for these placements in the form of commissions on sales or leads generated through this site. Because our compensation is tied to consumer behavior, we are incentivized to promote the companies and products people are more likely to respond favorably toward.