When you purchase a high-quality policy from a well-respected provider, you’ll be rest assured you’re in good hands. The best auto insurance companies will customize policies to fit your unique needs, offer exceptional customer service, and provide a user-friendly website to check your policy details, pay your bill, and process claims.
See the best home insurance providers here
Make sure to apply for several quotes and compare each one side by side. This last bit is crucial. One company might charge you a higher rate because of your driving history or age, but you might qualify for special discounts from a different provider.
Ready for the list? Below are my picks for the top auto insurance companies.
Allstate
While the company offers a variety of financial services, Allstate is best known for its car insurance policies. The provider uses a hands-on approach, linking you with an agent who can help make sure you get all the discounts you deserve. Allstate is reliable with relatively low rates and decent customer reviews.
| Add-On Options | Accident forgiveness Safe driving bonus Deductible rewards New car replacement Roadside assistance |
| Other Features | Claim satisfaction guarantee Drivewise (safe driving app) Rideshare insurance |
Auto-Owners
If you prefer a close relationship with your agent, then consider getting your car insurance from Auto-Owners. The only way to get a policy is through an independent agent who lives and works in your area and will be your point person from Day 1.
Be forewarned, however, the company only operates in 26 states. Plus, it only offers standard coverage options and discounts without a lot of add-ons to choose from.
Esurance
With Esurance, you can customize your plan to build a policy that fits your needs. The provider offers a variety of online tools to help you buy insurance yourself, and there are no agents to meet in person.
If you prefer to manage your own policy, have uncomplicated insurance needs, or would rather get quotes online, then you’ll want to look into Esurance.
| Add-On Options | Comprehensive coverage Collision coverage Emergency roadside service coverage Rental car coverage Loan/lease gap coverage |
| Unique Discounts | Fast 5 Switch & Save Pac-12 Discount Education Discount DriveSense |
GEICO
Known for its low rates, GEICO is an excellent choice if you’re looking for an affordable car insurance policy. The company features a user-friendly website and mobile app, as well as Kate, Geico’s virtual assistant that can answer your insurance questions and provide specific policy details.
| Add-On Options | Mechanical breakdown coverage Emergency roadside assistance Auto Repair Xpress Ridesharing insurance |
The Hartford
Although targeted to the 50 and older crowd, The Hartford also offers policies to non-AARP members. Perks include RecoverCare, new car replacement, and lifetime car repair assurance. With a special AARP partnership, The Hartford is able to offer members lifetime renewability and policy discounts.
| Add-On Options | First accident forgiveness Disappearing deductible Waiver of deductible One deductible $100 collision deductible reduction |
Liberty Mutual
Since 1912, Liberty Mutual has insured over 1.5 million vehicles while carrying top ratings from its customers. The company caters to educators with its Teachers’ Auto Insurance. It comes at no extra cost and includes:
- Vandalism loss protection. There’s no deductible if your vehicle was vandalized on school property or at a school-related event.
- Personal property coverage. Get reimbursed up to $2,500 per occurrence if school-owned property or your teaching materials were damaged or stolen from your vehicle.
- Collision coverage. No deductible if your car is damaged while driving it for school-related business.
| Add-On Options | Accident forgiveness New car replacement Better car replacement Deductible fund |
Progressive
A popular company with strong customer reviews, Progressive has insured more than 18 million drivers. To put it in perspective, that means approximately 1 in 10 drivers in the United States choose Progressive over another car insurance company.
The company offers plenty of coverages, 24/7/365 service, various discounts (safe driver, pay-in-full, multi-car, multi-policy), a Name Your Price feature, and more. If you bundle your home and car insurance, you’ll save an additional 5%.
Progressive also rates high among its insured, with 4 out 5 customers reporting that they’d recommend the provider to others.
| Add-On Options | Roadside assistance Gap insurance Custom parts & equipment value Pet injury protection Deductible savings bank |
| Other Features | Snapshot (safe driving app) Rideshare insurance |
QuoteWizard
The largest independent insurance lead company in America, QuoteWizard offers a nifty tool that gets you several quotes at once. This makes your search for an auto insurance plan that meets your needs extremely easy. If you add additional vehicles to bundle, you could save up to 20%.
State Farm
Founded way back in 1922, State Farm has built a name for itself in financial stability and customer service satisfaction. The provider is known for offering personalized service with physical offices and agents sprinkled throughout the United States.
If you don’t want to pop into a local office, State Farm also makes it easy to get quotes online with its robust mobile app.
| Features | Rental car & travel expenses coverage Drive Safe & Save (safe driving app) Steer Clear Driver Program (safe driving course) Rideshare insurance |
USAA
Particularly great for those who also invest and bank with USAA, the provider offers a wide variety of insurance products while receiving high ratings from its customers. The company offers standard auto coverages and discounts as well as accident forgiveness as an optional add-on.
However, the biggest downside to USAA auto insurance is that it’s limited to current or former members of the United States military and their close family members.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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