20+ best car insurance companies of 2019 | finder.com

Best car insurance companies of 2019

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Compare the best car insurance companies’ rankings.

Finding the best car insurance isn’t always about finding the lowest price. It’s about finding the right coverage for your circumstances with benefits you need from a reliable insurer with the best value you’re eligible for. Compare the best car insurance companies and the top factors to help you decide which provider is best for you.

List of the best car insurance companies

We combined the results of over 88,085 surveyed auto insurance consumers from Consumer Reports and the J.D. Power Claims Satisfaction survey to rank the best car insurance providers in 2019.

Company Finder rating Learn more
1. USAA*
2. Amica
3. Auto-Owners
4. Erie
5. AAA*
6. The Hartford
7. Geico
8. American Family
9. MetLife
10. Esurance
11. State Farm
12. Progressive
13. Nationwide
14. Travelers
15. Allstate
16. Hanover
17. Safeco
18. Mercury
19. Farmers
20. Liberty Mutual

Get rates from some of the best car insurance companies

Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

Who has the best car insurance?

Let’s break down the ratings. For the second year in a row, USAA and Amica are among the top rated insurance companies. Both consistently get great scores from their customers and awards from third party reviewers. But if you don’t qualify for USAA’s military affiliation, consider Amica or one of the other top picks on the list.

Heading up the rest of the pack, you’ll find national provides like Geico and AAA plus specialized insurers like Erie and The Hartford. Geico is known for its cheap rates, and The Hartford is a great option for mature drivers. Both Erie and AAA’s local affiliate clubs offer customized support for your area.

Many of the well-known big providers like State Farm, Esurance, Progressive and Allstate might have less to offer when it comes to customer support, but their coverage options, low rates and availability can be their biggest standout feature. They could still be good picks for you if you find the right price, coverage or local agent for personal support.

Case study: Adrienne’s experience

profile pic

Adrienne Fuller
Head of Publishing

I’ve been a USAA member for more than 10 years, having held renters, personal property and auto insurance policies. USAA representatives are always friendly and available with little or no wait times when I call, though customer service is not open late.

I brought my policy to a friend who runs a local insurance agency to see if I could get a better deal. He told me, “Don’t bother — I won’t be able to get you this coverage for a better price.”

I’ve gotten two mortgage preapprovals through USAA, but didn’t end up using them because the rates weren’t as low as going through a broker.

At least as far as insurance goes, I fall into their tagline: It’s safe to say that I’ll be a USAA member for life.

Best car insurance for:

Best cheap insurance

Geico

Geico

  • Cheapest rates
  • Discounts up to 40%

Customer service

Amica

Amica

  • Policyholder owned
  • Award-winning support

Loyalty rewards

Erie

Erie

  • Rate lock
  • Accident forgiveness

Military

USAA

USAA

  • Flexible payment schedule
  • Overseas car buying support

Senior drivers

The Hartford

The Hartford

  • Lifetime car repair guarantee
  • No-drop policy after claims

High risk drivers

The General

The General

  • Any credit or driving record
  • SR-22 support

Best car insurance rates

Looking for the best rates? Compare sample quotes for California drivers and see how much you could save by looking for better car insurance deals.

Company Average annual rate Learn more
Geico $1,391 Read review
USAA $1,399 Read review
Esurance $1,478 Read review
21st Century $1,701 Read review
Kemper $1,723 Read review
Progressive $1,724 Read review
Mercury $1,768 Read review
Allstate $1,917 Read review
Safeco $2,020 Read review
Nationwide $2,249 Read review
Farmers $2,425 Read review
State Farm $2,474 Read review
The Hartford $2,529 Read review
Liberty Mutual $2,611 Read review
Average $1,910 Compare all reviews

How do I find the best car insurance company?

Your monthly premium doesn’t tell the whole story about your car insurance.

Car insurance companies may not differ much in the coverage they provide, but can be worlds away on the quality of their service. While both you and the company hope to never make a claim, if you are in an accident, you want to be sure they pay your claim.

  1. Decide which factors matter most to you. Does your provider charge extra for monthly payments or paperless bills? How easy is it to contact customer service? What’s the process like for making a car insurance claim? These are important questions to ask to make sure you’ve chosen the right provider.
  2. Research companies that meet your criteria. Narrow down your list by comparing how a company treats customers and claims when researching car insurance companies.
  3. Get quotes. Go online to get quotes from your top picks. The more info you fill out, the more accurate your quote will be. You can also call a broker to help you get multiple quotes.
  4. Ask for discounts. Use your competing quotes to get the best rate. Make sure you ask for any discounts you could qualify for to get the lowest rate.

What’s the best kind of car insurance policy?

Liability insurance policies come with expensive little add-ons depending on the provider, making them difficult to compare on price alone. However, if you decide on full coverage, there are additional options to consider. The best policy for you is something that has all the extras you need, and nothing you don’t.

  • Damage to other people’s property.
    Liability, personal property and bodily injury coverage will all pay for any damage you cause after an accident. You need to meet your state’s minimum liability requirements, but most drivers should consider higher limits to protect the entire value of their car.
  • Full coverage.
    This policy type includes collision and comprehensive coverage. Collision coverage protects you in a car accident, and comprehensive covers you for everything else. This type of policy is ideal for newer vehicles, drivers with long commutes, and anyone else who can’t pay out of pocket after an accident.
  • Roadside assistance.
    Many insurers offer free towing and roadside coverage if you have collision and comprehensive coverage. Others offer it as an add-on for a few extra dollars a month.
  • Lifetime repair guarantee.
    This perk guarantees repairs made after a claim for the life of the vehicle.
  • Rental after theft or damage.
    This is a common add-on recommended for people who are dependent on being able to drive, and who can’t rely on public transportation while they wait for their car to be repaired or replaced.
  • Gap insurance.
    If your car is stolen or totaled, your insurer will pay off any remaining lease or loan balance so you aren’t stuck making payments on a car that can’t be driven anymore. Without this coverage, there would be a gap between what the insurance company pays you and what you owe your bank or dealership, and that can be a financially-crippling burden.

How do I find a company with the best customer service?

In car insurance, customer service means a lot more than just a smile as you fill out the paperwork. It means being able to depend on your insurer in the event of a claim, and knowing that the next time you speak to them, you might be having a very bad day. It can help to stay focused on the more important factors.

  • Response times: How can you contact the insurer, no matter where or when? This includes how long it takes the customer service team to pick up the phone when you call, how quickly you can expect a response to online or email inquiries and how long it usually takes the insurer to assess and pay claims. It can be a good idea to avoid insurers that aren’t available 24 hours a day and 7 days a week all year around.
  • Claims options: If you needed to make a claim right now, what would you do? If you have a preference for online claims or want to be able to use an app, it can be a good idea to look for insurers that offer these options. If you think you’ll do it over the phone or in person, consider what exactly is involved.
  • Communication: Does the insurer stay in touch throughout the claims process? This can be an important difference when you’re making a claim, as you don’t want to be chasing them down for updates. Let them keep you in the loop instead.
  • Policy flexibility: How can you adjust your policy? Flexibility encompasses not only the options available to you, but also the ease with which you can take advantage of them and the responsiveness of your insurer.
  • Partnered service quality: What’s the quality of the insurer’s service partners? Free roadside assistance might not be much use if it’s not available in your area, while towing, vehicle storage, glass and windshield replacement and other repairs will all typically involve the use of partnered service providers. It can be a good idea to compare the quality of these, and look for relevant reviews.

Bottom line

Finding the best car insurance is unique for every driver. Compare each quote and company based on the value you’re getting for the cost. What you value may be different from other drivers, from good customer service to coverage levels that protect you and your family from any road disaster.

Start your search by comparing car insurance options to find the right policy for you.

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