Do The 10 Biggest Car Insurance Companies Give You The Best Service?

The best car insurance companies give their customers more just coverage they want at a reasonable price. They as well provide a customer-first experience from quote to claim, including a headache-costless mode to manage policies and brand payments.

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How we ranked the acme machine insurers: NerdWallet's editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the all-time car insurance companies. Our "ease of use" category includes factors such equally website transparency and how like shooting fish in a barrel it is to file a claim. Every bit we proceed to evaluate more insurance providers and receive fresh market data, this list of all-time auto insurance companies is likely to modify.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so y'all can choose the insurance policy that works best for you. These carrier ratings are specific to car insurance — a company's rating for other products may exist different on our site. See our criteria for evaluating auto insurance companies .

The best car insurance companies

The following companies received 4.5 or 5 stars out of five in NerdWallet's analysis of the best machine insurers in the U.S.

Best car insurance companies: Pros and cons

American Family unit

Nerdy tip: American Family actually shines when it comes to discounts, with savings for insuring multiple vehicles, completing a defensive driving form and having a student away at school.

Cost: About average.

Policies bachelor in: 19 states, mainly throughout the Midwest and Pacific Northwest.

Pros: American Family offers a wide range of discounts and many coverage types.

Cons: American Family policies aren't bachelor in all states.

Visitor overview : In J.D. Power's 2020 customer satisfaction studies (the most contempo available), American Family unit ranked 3rd among a dozen midsized insurers for satisfaction with the insurance shopping feel and tied for get-go place for overall satisfaction in the Southwest region. J.D. Ability ranked American Family ranked No. 17 out of 24 companies for auto insurance claims satisfaction in 2020.

American Family offers a range of discounts to drivers in some states, including for loyalty, completing a defensive driving course and for students abroad at school. The company also has apps to monitor driving, assuasive skilful drivers to earn discounts.

Motorcar-Owners

Nerdy tip: People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few client complaints.

Toll: About average.

Policies available in: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, Due north Carolina, North Dakota, Ohio, Pennsylvania, S Carolina, South Dakota, Tennessee, Utah, Virginia and Wisconsin.

Pros: Automobile-Owners has fewer complaints when compared to other companies and offers a wide variety of products with the opportunity to bundle.

Cons: The company simply sells policies in 26 states.

Company overview: In J.D. Power's 2020 studies, Auto-Owners ranked fifth among 12 mid-sized insurers for customer satisfaction regarding insurance shopping and kickoff for overall satisfaction in the Central region. Machine-Owners ranked No. 3 out of 24 companies for client claims satisfaction in 2020.

Car-Owners has an app to track your driving. Practiced drivers can get a discount for avoiding hard braking and sharp turns, along with other safe behaviors.

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NJM

Nerdy tip: NJM is ane of a handful of insurers with a five-star rating, offering some of the cheapest car insurance rates on average. However, its policies are available only in 5 states.

Cost: Cheaper than average.

Policies available in: Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.

Pros: NJM has high customer satisfaction ratings and low customer complaints. New Jersey policyholders may also receive dividend payments.

Cons: Policies are non available in many states. NJM customers also do not accept access to a mobile app to manage their policy.

Visitor overview: New Bailiwick of jersey Manufacturers Insurance (NJM) gets high scores in J.D. Power'southward studies of client satisfaction. It'due south ranked No. 1 in "Among the best" in the 2020 Machine Claims Satisfaction Study. It's also ranked third among 14 insurers in the mid-Atlantic region in the 2020 U.S. Motorcar Insurance Satisfaction Report, which measures overall customer satisfaction.

You can get all the standard car coverages from NJM, along with extras including new automobile replacement coverage for cars with fewer than 15,000 miles and pet coverage, which pays for vet bills if they are injured in a covered motorcar accident. You can also add gap insurance to assistance pay off your car loan if your vehicle is stolen or totaled.

Amica

Nerdy tip: High marks for customer satisfaction and numerous discounts make Amica a corking selection for nigh drivers.

Cost: About average.

Policies available in: Every country but Alaska and Hawaii.

Pros: Amica has loftier customer satisfaction ratings and low consumer complaints. It also offers many policy perks and discounts.

Cons: Amica may deny coverage to some people accounted risky by the company.

Visitor overview: In J.D. Power'southward 2020 studies, Amica ranked outset for overall satisfaction in the New England region and eighth among 12 midsized insurers for insurance shopping satisfaction. J.D. Ability as well ranked Amica second-highest for overall motorcar claims satisfaction in 2020.

If you practise have to go through the claims procedure, y'all may not even see an increase in your rates. Customers who opt for certain upgrades tin earn "Advantage Points" for adept driving, renewing a policy and referring other drivers. These points can be used to keep your electric current rate later an blow. Amica besides offers complimentary glass repair, costless lock replacement and free airbag repair after deployment.

Progressive

Nerdy tip: Progressive's customer satisfaction scores aren't as high equally other companies', but it offers plenty discounts and insurance products to suit about people. It also has few customer complaints.

Cost: About average.

Policies available in: All 50 states and Washington, D.C.

Pros: Progressive, one of the largest insures in the nation, offers unique perks such as pet injury insurance in most states if you buy standoff insurance.

Cons: Progressive has a beneath boilerplate rating for machine insurance shopping, according to J.D. Power's customer satisfaction survey.

Company overview: Progressive has different features and options depending on your land. Some of the more interesting additions include pet injury protection, which is included with standoff coverage, and a deductible "savings banking company," which knocks your deductible down past $50 each claim-free policy menstruum to a minimum of $0.

In J.D. Power's 2020 U.S. Insurance Shopping Written report, Progressive ranked seventh out of 8 large insurers for client satisfaction. J.D. Power rated Progressive No. 21 out of 24 companies for customer satisfaction regarding its claims procedure in 2020.

Country Subcontract

Nerdy tip: With generous coverage and discounts for skilful driving habits, State Farm is a popular insurer with amend customer satisfaction ratings compared to other big competitors.

Price: Virtually average.

Policies available in: You can buy a State Subcontract auto insurance policy in all states except for Massachusetts and Rhode Isle, where it does not sell new policies. Yous tin also buy a motorcar insurance policy in Washington, D.C.

Pros: State Farm's customer satisfaction ratings for purchasing auto insurance are ameliorate than average, according to J.D. Power. The company also offers numerous discounts, including two programs — one for safe driving and the other for young drivers.

Cons: State Farm had more complaints than expected for a company of its size.

Company overview: The largest personal machine insurer in the land, Land Farm ranked third among eight big insurers in J.D. Power'south 2020 U.Southward. Insurance Shopping Study. The same year, information technology ranked first for overall satisfaction in New York and the mid-Atlantic region and No. vi out of 24 companies for customer claims satisfaction.

The company offers discounts to drivers in some states for having multiple cars, being a good commuter and having a pupil away at school. State Farm has a safety driving app that tin live on your phone or through OnStar. Y'all tin can earn a disbelieve by following the rules and driving sensibly.

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Travelers

Nerdy tip: I of the largest auto insurers in the nation, Travelers offers a broad range of coverage options and discounts to help you customize your motorcar insurance policy.

Cost: About average.

Policies available in: Xl-two states and Washington, D.C. (Non bachelor in Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Dakota, Due west Virginia and Wyoming.)

Pros: Travelers has fewer client complaints than the median and offers many coverage options for auto insurance.

Cons: Travelers' customer satisfaction ratings are below average.

Visitor overview: Travelers offers potential discounts in some states for using the company's telematics program, a system that tracks your driving. Optional plans offer forgiveness for i accident and 1 minor violation then your rates don't go up later an incident.

In J.D. Ability's 2020 study, Travelers ranked eighth among eight large insurers for customer satisfaction regarding buying insurance. Travelers ranked No. 19 out of 24 companies for customer claims satisfaction in 2020.

Machine Order Group

Nerdy tip: Auto Gild Grouping insurance is generally available only to members, simply the perks and discounts might brand joining worth it.

Price: About boilerplate.

Policies bachelor in: Florida, Georgia, Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, North Carolina, Due north Dakota, Southward Carolina, Tennessee and Wisconsin. Auto Club Group may not encompass all counties in each state.

Pros: Auto Lodge Grouping has few consumer complaints.

Cons: To get insurance from Auto Gild Group, yous need a AAA membership.

Company overview: With a wide diversity of discounts and far fewer complaints for automobile insurance than other companies its size, the Auto Club Group is a good choice for many drivers. Before you lot can go coverage, even so, you'll need to go a AAA fellow member. Once you lot join, you'll have admission to AAA's perks, including discounts on hotels and restaurants.

Auto Society Group offers plenty of motorcar insurance options, such equally rideshare insurance and original equipment manufacturer coverage, which pays for replacement parts from the manufacturer, rather than aftermarket parts, if yous're in a covered crash.

Unlike some AAA insurers, the Auto Gild Group has an app where y'all can manage both your car insurance policy and AAA membership.

Nationwide

Nerdy tip: Nationwide'due south depression number of complaints and extensive coverage options make it a solid choice for many consumers.

Price: Well-nigh average.

Policies available in: Yous can become a Nationwide auto insurance policy in all states except Alaska, Hawaii, Louisiana and Massachusetts. The company plans to sell Massachusetts policies in 2022.

Pros: Nationwide has fewer complaints than expected and offers a wide variety of options for customers who want to purchase multiple products from ane visitor.

Cons: Customer satisfaction for automobile insurance is lower than boilerplate, according to recent J.D. Power studies.

Company overview: Nationwide, i of the largest insurers in the country, sells a broad diverseness of products for customers who want to parcel policies. The company boasts few complaints and offers optional extras such as accident forgiveness and vanishing deductible.

Nationwide as well offers pay-per-mile insurance, which determines your rate based on how many miles y'all bulldoze. Y'all can likewise earn a discount based on your driving behavior, which is tracked through Nationwide's SmartRide app.

Chubb

Nerdy tip: Chubb doesn't focus on cheap insurance, but rather caters to mostly high-net-worth families, providing generous coverage options and perks that aren't usually available from other insurers.

Cost: Most average.

Policies available in : All 50 states and Washington D.C.

Pros: Chubb offers generous coverage and perks for high-end customers. It also received far fewer complaints than expected for an auto insurance visitor of its size.

Cons: The company does not focus on providing cheap insurance.

Company overview: Chubb Insurance isn't trying to exist the cheapest car insurer — it'south trying to exist the machine insurer that delivers exceptional service. Rental reimbursement comes with a whopping $15,000 limit. Coverage will pay for repairing your motorcar with original manufacturer-made parts, for those cars that demand simply the right imported slice. You can even get extra-high liability limits, upwards to $x million.

Farmers

Nerdy tip: One of the country'south largest insurers, Farmers offers plenty of ways to customize your policies and more than discounts than nigh other insurers.

Toll: Nigh boilerplate.

Policies bachelor in: Xl-two states (Not available in Alaska, Delaware, Hawaii, Maine, Rhode Island, New Hampshire, Vermont, West Virginia and Washington, D.C.)

Pros: Farmers offers numerous discounts and has fewer complaints than expected.

Cons: Farmers doesn't offer car insurance in all states.

Company overview: Farmers Insurance ranks seventh on the list of the largest car insurance companies in the U.S.

In J.D. Ability'due south 2020 U.S. Insurance Shopping Study, Farmers ranked 6th among 8 big insurers for customer satisfaction. J.D. Ability rated Farmers No. x out of 24 companies for customer satisfaction regarding its claims process in 2020.

You lot can become discounts for edifice multiple policies, being a good student and being a fellow member of some professional groups.

Run into what you could salve on car insurance

Easily compare personalized rates to run across how much switching car insurance could save y'all.

Country Financial

Nerdy tip: Country Financial has few customer complaints for auto insurance, but is available in only 19 states.

Price: About average.

Policies available in: Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington and Wisconsin.

Pros: Country Financial has fewer complaints than expected for auto and life insurance.

Cons: Policies are not available in all states.

Company overview: State Financial may have started out as a farm and crop insurer, merely now offers a wide selection of products such equally business, boat and motorcycle insurance. In addition, information technology received far fewer customer complaints for auto insurance than similar-sized companies.

In addition to a diverseness of discounts, it also gives customers an opportunity to salvage based on your driving habits through its app, DriverIQ. Drivers who sign up earn an automatic discount, and driving behavior won't increment rates.

Mapfre

Nerdy tip: Mapfre'south machine insurance offers a diversity of coverage and discounts, and the company boasts depression auto complaints to state regulators, but policies are available in only eight states.

Cost: Mapfre does not disclose charge per unit filings.

Policies available in: Yous can become a Mapfre auto insurance policy in California, Maine, Massachusetts, New Hampshire, Ohio, Rhode Isle, Vermont and Washington. Mapfre also sells policies in Puerto Rico.

Pros: Mapfre offers many coverage options and discounts. It besides offers its website in both English and Castilian.

Cons: Mapfre has a below-average rating for auto insurance claims satisfaction. It also doesn't sell policies in all states.

Company overview: Mapfre may non sell policies in every state, merely it is the biggest automobile and domicile insurance provider in Massachusetts and has far fewer complaints about auto insurance than other companies its size.

In addition, the insurer offers extras such as accident forgiveness and the power to purchase a package with additional coverage for items such as your laptop and mobile telephone. This package is not available in all states.

Headquartered in Spain, Mapfre's website is available in both English and Spanish. You tin can besides use the Mapfre app to view your policy, make payments and submit claims.

Allstate

Nerdy tip: With generous discounts and enough of coverage options, this auto insurance giant is worth a await.

Cost: Nearly boilerplate.

Policies available in: All 50 states and Washington, D.C.

Pros: Allstate offers a lot of coverage options, including accident forgiveness, new car replacement and a safe-driving bonus every half-dozen months. It also offers rideshare insurance in many states.

Cons: Customer ratings are beneath average for automobile insurance claims satisfaction compared with other companies.

Company overview: In J.D. Power'south 2020 studies, Allstate ranked to a higher place boilerplate for customer claims satisfaction. The insurer also ranked first for overall satisfaction in Florida.

Allstate offers discounts for drivers in some states who use the company's telematics programme — a arrangement that tracks how safely you drive. You can get discounts for beingness a skilful student, driving a new car and going paperless. Allstate also gives you a discount on your deductible if you lot sign upward for the optional deductible rewards program, cutting down on your out-of-pocket expenses when you're in an accident.

Geico

Nerdy tip: With nationwide availability and a diversity of discounts, Geico is a popular and often affordable choice for automobile insurance. Among the nation's four largest insurers, Geico stands out every bit having the cheapest annual rates on average and the smoothest online experience for users.

Cost: Cheaper than average.

Policies bachelor in: All 50 states and Washington, D.C.

Pros: Geico ranked above-average in client satisfaction for auto insurance claims in a recent J.D. Power report. It also offers a robust website and mobile app, every bit well as a wide pick of discounts.

Cons: Doesn't offer gap or rideshare insurance and has a limited network of local agents.

Company overview: I of the most popular machine insurance companies in the U.S., Geico stacks up the discounts, giving drivers in some states a few bucks off for everything from make clean driving records to skillful grades. Federal employees also get discounts, as do veterans, active military and reservists. As for coverage, you can become all the basics plus mechanical breakup coverage, which helps pay for repairs to newer cars with fewer miles.

In J.D. Power's 2020 customer satisfaction studies, Geico ranked first among large insurers for the insurance shopping experience and first (or tied for first) for overall satisfaction in the Due north Central, Northwest and Southwest regions.

Freedom Common

Nerdy tip: Liberty Common provides robust digital tools on its website and app, and offers more discounts than most other insurers.

Cost: Liberty Mutual does non disclose rate filings, but in previous years it was more expensive than average.

Policies available in: All 50 states and Washington, D.C.

Pros: Freedom Mutual offers many types of coverage and discounts, along with several robust digital tools.

Cons: Liberty Mutual's auto claims satisfaction rating is below average.

Company overview: Out of the six largest insurance companies, Liberty Mutual is the only 1 to offer both gap insurance and new car replacement coverage, which pays for the cost of a new car if it's totaled in the starting time year and has less than 15,000 miles. Liberty Common also provides a unique benefit for teachers, who tin receive costless machine insurance such as standoff and personal holding insurance and vandalism loss protection in certain states.

Among large insurers, Freedom Common offers more than discounts than anyone besides American Family. For instance, drivers tin can save by paying their beak online, driving a hybrid or electric vehicle, and owning a dwelling house.

Freedom Mutual ranked fifth out of viii large insurers for customer satisfaction in J.D. Power's 2020 U.S. Insurance Shopping Study. The insurer ranked No. 14 out of 24 companies for customer claims satisfaction the aforementioned year.

Come across what you could salve on car insurance

Easily compare personalized rates to run into how much switching car insurance could relieve yous.

Finding the best automobile insurance company for you

Pricing and discounts fabricated upwardly a portion of each insurer's score, simply we know that toll is the top factor for many automobile insurance shoppers. Since pricing is based on personal factors including your age, location, vehicle, credit history and gender (in most cases), it's important to shop around for car insurance quotes to discover the cheapest selection.

You may detect that your shopping experience also sheds lite on a visitor's client service standards.

To find the elevation automobile insurance companies:

Visit your state insurance commissioner'southward website to observe complaints and other information most companies in your surface area.
Ask your agent or a client service representative questions to make sure you're getting all the coverage y'all need — and cipher you lot don't want.
Consider smaller auto insurance companies, too. Small-scale companies offer rates well below large competitors in many locations.
If you've had a ticket, DUI or other violation, be sure to shop three and five years after the incident, when surcharges tin can drop significantly.

Want to see rates? Employ the cheap full coverage calculator and compare average rates from the iii cheapest car insurance companies where you live.

Car insurance past land

When you're looking for the all-time car insurance company, continue in listen that location tin accept a large touch on your car insurance rates. This is considering each land has different insurance requirements.

To requite you a improve idea of what y'all'll pay in each country, NerdWallet analyzed full coverage insurance rates for 35-twelvemonth-old drivers with good credit and no recent accidents, DUIs or traffic violations.

The map beneath shows the average almanac machine insurance charge per unit in each state. For more data, including the cheapest insurer on average from each country, visit the state page linked in the map.

Car insurance rates for full coverage insurance past state

Land	Full coverage
Alabama	$one,701
Alaska	$1,292
Arizona	$i,637
Arkansas	$i,854
California	$1,967
Colorado	$1,899
Connecticut	$1,659
Delaware	$2,027
Florida	$2,775
Georgia	$i,698
Hawaii	$1,128
Idaho	$one,027
Illinois	$1,383
Indiana	$i,133
Iowa	$1,131
Kansas	$1,791
Kentucky	$2,423
Louisiana	$ii,986
Maine	$ane,074
Maryland	$1,987
Massachusetts	$i,163
Michigan	$2,084
Minnesota	$1,463
Mississippi	$1,819
Missouri	$1,694
Montana	$1,773
Nebraska	$1,401
Nevada	$ii,489
New Hampshire	$1,143
New Jersey	$ane,901
New Mexico	$1,461
New York	$2,008
North Carolina	$1,255
North Dakota	$1,233
Ohio	$1,066
Oklahoma	$ane,906
Oregon	$i,355
Pennsylvania	$1,525
Rhode Island	$ii,065
South Carolina	$i,561
South Dakota	$one,466
Tennessee	$1,404
Texas	$i,725
Utah	$1,596
Vermont	$one,074
Virginia	$i,354
Washington	$1,293
Washington, D.C.	$one,867
West Virginia	$one,580
Wisconsin	$ane,206
Wyoming	$1,484