based on cost, coverage and service
The majority of Americans must pay for car insurance because it is against the law to drive without it and there are few public transportation options outside of large American cities.
Even while insurance for a car can be pricey, especially if it's a fancy vehicle or you're a rookie driver, it can save you tens of thousands of dollars in the event of theft or damage.
The best auto insurance provider offers dependable coverage, affordable prices, and top-notch client care.
based on cost, coverage, and service
– Best overall: Geico – Best for wide coverage: Nationwide – Best for customer satisfaction: State Farm – Best for discounts: Farmers Insurance – Best for military members and veterans: USAA
With the lowest average prices for both minimal and full coverage, Geico is the best auto insurance provider for a fair price.
Power score for customer happiness, an AM Best A++ grade, and a Better Business Bureau A+ rating (BBB).
Average annual premium for minimum coverage: $365 Average annual premium for maximum coverage: $1,297
Pros – Lowest average rates – Inclusive coverage options, including high-risk drivers – Available nationwide Cons – High premiums for high-risk drivers – Fewer branches for in-person services
With coverage offered in 47 states and the District of Columbia, Nationwide has one of the largest car insurance networks (all states except Alaska, Louisiana and Massachusetts). This is a significant distinction because cheaper rates result from more businesses competing for your business.
Pros – Available in 47 states and the District of Columbia – Lowest average premiums for full coverage Cons – High average premium for minimum coverage
Average annual premium for minimum coverage: $549 Average annual premium for maximum coverage: $1,383
State Farm is the biggest vehicle insurance provider in the United States, based on market share, according to the National Association of Insurance Commissioners (NAIC). As the company with the highest average J.D. Power rating among those on this list, it leads the industry in terms of customer satisfaction.
Pros – Hig customer satisfaction – Largest car insurance company in the U.S. – Accident forgiveness for good drivers Cons – High NAIC complaint index score – Doesn’t offer gap insurance
Average annual premium for minimum coverage: $456 Average annual premium for maximum coverage: $1,397
Every auto insurance provider offers a variety of discounts to reward good students, safe drivers, and customers who insure several vehicles. Your potential savings increase with the number of offers available. The most of any provider, Farmers Insurance offers 22
Pros – Offers 22 types of discounts – Below-average NAIC complaints – Ability to bundle coverage with other products Cons – Not all discounts are available in every state – Average premium for maximum coverage is higher than the national average
Average annual premium for minimum coverage: $550 Average annual premium for maximum coverage: $1,524
USAA stands out because it receives great ratings across a variety of metrics. It offers the cheapest average premiums to begin with. Customer satisfaction is equally crucial because no one wants to deal with troublesome customer care while making a claim. Fortunately, USAA consistently receives the top J.D. Power customer satisfaction ratings, so you can rest easy knowing you're "in excellent hands."
Pros – Lowest average premium for minimum coverage – Highest customer satisfaction ranking – Superior discounts for military members Cons – Only available to military members, veterans and their immediate family members
Average annual premium for minimum coverage: $354 Average annual premium for maximum coverage: $1,209