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 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.
Don't agree with the list? Vote for an existing item you think should be ranked higher or if you are a logged in, add a new item for others to vote on or create your own version of this list.
The Top TenYour ListTheTopTens List
Liberty Mutual
1Liberty Mutual
+31They are the BEST out there! I have gone to different ones and had to come back to them because they are so honest, so friendly and so professional. They are not ripping you off with those 6 month policies and with 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) and 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!
+20I am a 40 year customer. They are personal, competitively priced, and are quick and professional wiht price. Sometimes they try to raise prices at renewal time if you don't stay on top of your policy.
+16This is an amazing company. I remember when I was small when my mother would show me her work (At Liberty Mutual). Everybody gave me mints and gave me a caring grin. When I passed there well lit offices. I loved the people there and I still do.
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GEICO
2GEICO
+58I love GEICO, they have EXCELLENT customer service! They are always great, they're always so personal, they are always there to help all day and night and weekends and you don't have to worry about someone being on vacation or sick because there's always more and great agents there to help. Plus they work with other outside companies and you can get discounts other places just for being with them. I just wanted to say I think GEICO is worth calling and getting a quote if you don't already have a policy.
+42I just switched to Geico because of these comments. I thought the whole, "save you more money, " marketing was just a gimmick, but I really did save money. My bill has gone down! I'm paying less for 2 vehicles than I was for 1 vehicle with another provider, same features! I spoke with 3 different people, and all of them were great, and personable. I didn't feel like just another number. Awesome rates, awesome service. Highly recommended.
+45Switched from Allstate after 24 1/2 year and Saved $600.00 every 6 months. Was paying $1298 and now $698. 10 and now I'm switching home insurance also. Thank You GEICO for SAVING me $1200 a year on my AUTO.
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Esurance
3Esurance
+27Thanks Esurance for the savings, Progressive wanted
$900.00 6 months and 21st wanted $1100.00 and ESURANCE
$525.00 what more can I say!
+6I was tired of my insurance payments going up and up and up, so 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 am glad I switched!
+13Simple, easy to use online interface with little or no lag time. You can change your policy and pay bills in literally seconds. 5/5 stars for convenience alone. Competitive rates too.
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4State Farm
+29A company can't stay number one in business unless the people in the company do what they promise. I have always been delivered more than promised by my State Farm Agent. No one asks how much they were paying when one has a claim. Price becomes pretty subjective. How fast and fair claim is handled matters the most when one has a loss.
+21I love State Farm, they handle all my ins. My car, car loan, my Apt. , and my health ins. My old car loan charged me a lot for gap insurance, my SF car loan gives me gap insurance for free, I saved money when I refinance my car with SF. My old insurance was more money, and my coverages where less. My agent explained what I had, and I picked better coverages and pay less. I also like their website. Nice being able to talk to real people 24/7, even in late at night, m and I am traveling, and in other time zones. Great service.
+13Never in my life have I ever had a problem with state farm. My family and I have been there with them for 50 years. Are the premiums high? I have been self employed for quite a few years. If you want me, you will pay a premium for that due to the service you get. State Farm rates are in with the rest, but my agent Kelly Langen is the best and I would never change for lousey service to save a buck!
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5Nationwide
I was 19 years old when I got my first car and my driving license.
Before buying my car, I talked to many agents from different car insurance company and progressive was the cheapest one, $1500 dollars for the first year, driving a 2002 Camry with 101k miles on it. Let's say it was a fair price for not having experience before.
When I had to renew my contract, Progressive wanted me to give them $100 more per year, without having any accident or tickets.
I did my car insurance shopping again and Nationwide was giving me the same coverage for my car, better medical payment for a cheaper price.
Now I am paying only $1,100 dollars per year. Nationwide saved $400-$500 a year. The only issue I had with Nationwide is that no-one in my house can drive my car, if they do so, Nationwide won't pay if they have an accident.
If I drive their car and have an accident, Nationwide won't cover me cause their car wasn't include in my policy.
+1We have the best Nationwide Agent. His staff is always helpful when needed. Our agent can usually be reached by phone when we need him and will talk to us personally, something a lot of other places don't do. I would rather pay a few extra dollars knowing we have "friends" who look out for us. I to agree that this company should be at the top of the list! I know I will never switch, even for a few dollars. Hard times, yes, but our agent treats us like family. Maybe that is why they have been around for over 50 yrs.
I LOVE nationwide! I previously had State farm under my parents, and switched onto my own when quoted. I received a call the next week telling me it would be 90 more a month! I called EVERYWHERE and the cheapest I could find was 4000/6 months, until I called nationwide. (I am only 18 with a new car and high coverage. ) My new agent is VERY nice and informative and I am only paying 1200/6months. One week after switching, someone totaled my car, and Nationwide was right there, helping me through everything. I would NEVER switch! Go Nationwide!
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6Progressive
+8I used to have Farmers insurance until I got in 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.
+4I shopped around for the best price for the coverage I wanted and Progressive undercut the others by around $1200. Every 6 months my monthly premium goes down. After the first six months we added another car, and the premium only went up by $6 because the policy dropped by such a significant amount. They've been good at getting my documents to me quickly, and having 24 hour customer service - which I'm coming to appreciate more and more with the odd hours I'm awake and work.
+6After I switched to Progressive I got into a car accident. I did not know exactly what I needed to do, but the people at progressive helped me the entire way. All I had to do was choose where I wanted to have my car repaired and they did the rest. Since I used one if the shops they referred I had my car back in less than a week. Quick and painless, all I had to do was make a call.
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7AAA
+8I just finished up a 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 higher income. The past weekend was the first time I've had to actually invoke my car insurance coverage due to a hit on run on my car while parked.
The response time, courteousness and professionalism shown by the AAA agent was amazing.
I intend to stay with AAA for many, many years to come. Thumbs up.
+15The most feared by other insurance companies. With AAA, nobody messes with you.
Quality of Service: 5 (out of 5).
Response Time: 5
Knowledgeable: 5
Rate: 4 (comparable with State Farm, whom I just cancelled policy with).
I've just switched back to AAA after 2-yr with STate Farm ("non-owner policy"), where both the local office & 800 number reps speak in a general homogenous, non-caring tone of voice. Thankfully, during the 2-yr, I had no need to file claims or other complicated issues with State Farm. So, really, my rating is based on "Service Quality". They ought to record & listen carefully to how their own rep/agents speak.
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821st Century Insurance
+4When I talked to the employees at 21st Century Insurance, they don't talk at me, they talk to me just like they would any other person. They look past the bottom line dollar signs and see 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've not encountered this with 21st Century Insurance and that, my friends, leaves me a satisfied customer!
+2After years of service with Safeco and having them raise my rates yearly despite having no tickets or accidents I replied to an ad and saved almost $1000 per year switching to 21st century (known as AIG at the time) within 6 months of switching my new van was damaged in a hail storm costing the insurance company
$8000 in repairs but my rates did not go up and 21st treated me with the best of care. I have now been with them for 13 years and get not only a great rate but exceptional service!
+6The specialist that spoke with me helped me understand what no other insurance company ever did. Wow! I thought the lowest was ok, but now I know. I'm glad I called. They took the time to explain and make suggestions. I was only saving $10, but it was worth the switch from another company on the top 10 list.
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9USAA
+10USAA is just the best for taking care of their customers and making a stressful situation virtually stress free.
I have had USAA since 1975. I qualified based on my father's status as a US Army Officer. In 1978, I became qualified on my own when I received a direct commission as an officer.
USAA used to be for Officers and their families only. Not long ago they opened up membership to non-commissioned officers, then to all active military. Recently they even opened up membership to include honorably discharged veterans as well.
+1I had been with the number one company, 12 years, when a link form my TWS site brought me to their page. I have been fully retired for a couple of years and had intended to look up a few quotes, mainly to assure myself I was spending my money wisely. I found I could save $360 a year with a higher value policy than I had with #1. ( Possibly more if I reduced my deductible)
I contacted USAA via the web, asked a few questions, got first rate answers and help, as well as prompt replies to my emails. I am now sure my coverage is a great value and the company is top notch. My wife and I combined drive less than 8000 miles a year and feel secure in knowing this company is behind us.
+5USAA.. Can't beat their service and efficiency. Saved half on what I was paying with State Farm. Switched from State Farm after 35 years based on the way they handle my one and only claim. They sent me a letter not to accept, my State Farm Agent never called or would talk to me (always to busy). His office in Blairsville, GA lost the paperwork 3 different times. Finally after a year, I called the main office. I did get my money but would NEVER recommend or do business with State Farm again.
USAA, HIGHLY RECOMMEND
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10Allstate
I switched from State Farm to Allstate... SF really don't give a damn about their clients. When I retired I moved to another state and my rates doubled because SF charged me for 3 incidents because a SF policyholer rearended me and they said I could have used my policy, even though their ph was at fault 100,,,, their customer rating system is difficult to understand and they cannot explain it I've found a company that cares about ther clients.
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-1One never really knows how good his or her insurance provider is until disaster strikes. I was broadsided by an SUV that ran a red light. The other driver did not have insurance, and both my wife and I went to the hospital. Allstate’s response was compassionate and swift. A few days later all bills were paid. My rates did go up, but the rate hike was well worth the peace of mind I felt. I am sticking with Allstate.
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+1Allstate is great! Saving people so much money always and always there whenever you need someone to help you with your insurance! You can always call your agent and they will help you with your policy however you need help. Saved my parents over 1,000 dollars a year from Travelers Insurance. UNBEATABLE!
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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 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.
Don't agree with the list? Vote for an existing item you think should be ranked higher or if you are a logged in, add a new item for others to vote on or create your own version of this list.
The Top TenYour ListTheTopTens List
Liberty Mutual
1Liberty Mutual
+31They are the BEST out there! I have gone to different ones and had to come back to them because they are so honest, so friendly and so professional. They are not ripping you off with those 6 month policies and with 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) and 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!
+20I am a 40 year customer. They are personal, competitively priced, and are quick and professional wiht price. Sometimes they try to raise prices at renewal time if you don't stay on top of your policy.
+16This is an amazing company. I remember when I was small when my mother would show me her work (At Liberty Mutual). Everybody gave me mints and gave me a caring grin. When I passed there well lit offices. I loved the people there and I still do.
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GEICO
2GEICO
+58I love GEICO, they have EXCELLENT customer service! They are always great, they're always so personal, they are always there to help all day and night and weekends and you don't have to worry about someone being on vacation or sick because there's always more and great agents there to help. Plus they work with other outside companies and you can get discounts other places just for being with them. I just wanted to say I think GEICO is worth calling and getting a quote if you don't already have a policy.
+42I just switched to Geico because of these comments. I thought the whole, "save you more money, " marketing was just a gimmick, but I really did save money. My bill has gone down! I'm paying less for 2 vehicles than I was for 1 vehicle with another provider, same features! I spoke with 3 different people, and all of them were great, and personable. I didn't feel like just another number. Awesome rates, awesome service. Highly recommended.
+45Switched from Allstate after 24 1/2 year and Saved $600.00 every 6 months. Was paying $1298 and now $698. 10 and now I'm switching home insurance also. Thank You GEICO for SAVING me $1200 a year on my AUTO.
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Esurance
3Esurance
+27Thanks Esurance for the savings, Progressive wanted
$900.00 6 months and 21st wanted $1100.00 and ESURANCE
$525.00 what more can I say!
+6I was tired of my insurance payments going up and up and up, so 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 am glad I switched!
+13Simple, easy to use online interface with little or no lag time. You can change your policy and pay bills in literally seconds. 5/5 stars for convenience alone. Competitive rates too.
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4State Farm
+29A company can't stay number one in business unless the people in the company do what they promise. I have always been delivered more than promised by my State Farm Agent. No one asks how much they were paying when one has a claim. Price becomes pretty subjective. How fast and fair claim is handled matters the most when one has a loss.
+21I love State Farm, they handle all my ins. My car, car loan, my Apt. , and my health ins. My old car loan charged me a lot for gap insurance, my SF car loan gives me gap insurance for free, I saved money when I refinance my car with SF. My old insurance was more money, and my coverages where less. My agent explained what I had, and I picked better coverages and pay less. I also like their website. Nice being able to talk to real people 24/7, even in late at night, m and I am traveling, and in other time zones. Great service.
+13Never in my life have I ever had a problem with state farm. My family and I have been there with them for 50 years. Are the premiums high? I have been self employed for quite a few years. If you want me, you will pay a premium for that due to the service you get. State Farm rates are in with the rest, but my agent Kelly Langen is the best and I would never change for lousey service to save a buck!
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5Nationwide
I was 19 years old when I got my first car and my driving license.
Before buying my car, I talked to many agents from different car insurance company and progressive was the cheapest one, $1500 dollars for the first year, driving a 2002 Camry with 101k miles on it. Let's say it was a fair price for not having experience before.
When I had to renew my contract, Progressive wanted me to give them $100 more per year, without having any accident or tickets.
I did my car insurance shopping again and Nationwide was giving me the same coverage for my car, better medical payment for a cheaper price.
Now I am paying only $1,100 dollars per year. Nationwide saved $400-$500 a year. The only issue I had with Nationwide is that no-one in my house can drive my car, if they do so, Nationwide won't pay if they have an accident.
If I drive their car and have an accident, Nationwide won't cover me cause their car wasn't include in my policy.
+1We have the best Nationwide Agent. His staff is always helpful when needed. Our agent can usually be reached by phone when we need him and will talk to us personally, something a lot of other places don't do. I would rather pay a few extra dollars knowing we have "friends" who look out for us. I to agree that this company should be at the top of the list! I know I will never switch, even for a few dollars. Hard times, yes, but our agent treats us like family. Maybe that is why they have been around for over 50 yrs.
I LOVE nationwide! I previously had State farm under my parents, and switched onto my own when quoted. I received a call the next week telling me it would be 90 more a month! I called EVERYWHERE and the cheapest I could find was 4000/6 months, until I called nationwide. (I am only 18 with a new car and high coverage. ) My new agent is VERY nice and informative and I am only paying 1200/6months. One week after switching, someone totaled my car, and Nationwide was right there, helping me through everything. I would NEVER switch! Go Nationwide!
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6Progressive
+8I used to have Farmers insurance until I got in 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.
+4I shopped around for the best price for the coverage I wanted and Progressive undercut the others by around $1200. Every 6 months my monthly premium goes down. After the first six months we added another car, and the premium only went up by $6 because the policy dropped by such a significant amount. They've been good at getting my documents to me quickly, and having 24 hour customer service - which I'm coming to appreciate more and more with the odd hours I'm awake and work.
+6After I switched to Progressive I got into a car accident. I did not know exactly what I needed to do, but the people at progressive helped me the entire way. All I had to do was choose where I wanted to have my car repaired and they did the rest. Since I used one if the shops they referred I had my car back in less than a week. Quick and painless, all I had to do was make a call.
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7AAA
+8I just finished up a 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 higher income. The past weekend was the first time I've had to actually invoke my car insurance coverage due to a hit on run on my car while parked.
The response time, courteousness and professionalism shown by the AAA agent was amazing.
I intend to stay with AAA for many, many years to come. Thumbs up.
+15The most feared by other insurance companies. With AAA, nobody messes with you.
Quality of Service: 5 (out of 5).
Response Time: 5
Knowledgeable: 5
Rate: 4 (comparable with State Farm, whom I just cancelled policy with).
I've just switched back to AAA after 2-yr with STate Farm ("non-owner policy"), where both the local office & 800 number reps speak in a general homogenous, non-caring tone of voice. Thankfully, during the 2-yr, I had no need to file claims or other complicated issues with State Farm. So, really, my rating is based on "Service Quality". They ought to record & listen carefully to how their own rep/agents speak.
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821st Century Insurance
+4When I talked to the employees at 21st Century Insurance, they don't talk at me, they talk to me just like they would any other person. They look past the bottom line dollar signs and see 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've not encountered this with 21st Century Insurance and that, my friends, leaves me a satisfied customer!
+2After years of service with Safeco and having them raise my rates yearly despite having no tickets or accidents I replied to an ad and saved almost $1000 per year switching to 21st century (known as AIG at the time) within 6 months of switching my new van was damaged in a hail storm costing the insurance company
$8000 in repairs but my rates did not go up and 21st treated me with the best of care. I have now been with them for 13 years and get not only a great rate but exceptional service!
+6The specialist that spoke with me helped me understand what no other insurance company ever did. Wow! I thought the lowest was ok, but now I know. I'm glad I called. They took the time to explain and make suggestions. I was only saving $10, but it was worth the switch from another company on the top 10 list.
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9USAA
+10USAA is just the best for taking care of their customers and making a stressful situation virtually stress free.
I have had USAA since 1975. I qualified based on my father's status as a US Army Officer. In 1978, I became qualified on my own when I received a direct commission as an officer.
USAA used to be for Officers and their families only. Not long ago they opened up membership to non-commissioned officers, then to all active military. Recently they even opened up membership to include honorably discharged veterans as well.
+1I had been with the number one company, 12 years, when a link form my TWS site brought me to their page. I have been fully retired for a couple of years and had intended to look up a few quotes, mainly to assure myself I was spending my money wisely. I found I could save $360 a year with a higher value policy than I had with #1. ( Possibly more if I reduced my deductible)
I contacted USAA via the web, asked a few questions, got first rate answers and help, as well as prompt replies to my emails. I am now sure my coverage is a great value and the company is top notch. My wife and I combined drive less than 8000 miles a year and feel secure in knowing this company is behind us.
+5USAA.. Can't beat their service and efficiency. Saved half on what I was paying with State Farm. Switched from State Farm after 35 years based on the way they handle my one and only claim. They sent me a letter not to accept, my State Farm Agent never called or would talk to me (always to busy). His office in Blairsville, GA lost the paperwork 3 different times. Finally after a year, I called the main office. I did get my money but would NEVER recommend or do business with State Farm again.
USAA, HIGHLY RECOMMEND
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10Allstate
I switched from State Farm to Allstate... SF really don't give a damn about their clients. When I retired I moved to another state and my rates doubled because SF charged me for 3 incidents because a SF policyholer rearended me and they said I could have used my policy, even though their ph was at fault 100,,,, their customer rating system is difficult to understand and they cannot explain it I've found a company that cares about ther clients.
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-1One never really knows how good his or her insurance provider is until disaster strikes. I was broadsided by an SUV that ran a red light. The other driver did not have insurance, and both my wife and I went to the hospital. Allstate’s response was compassionate and swift. A few days later all bills were paid. My rates did go up, but the rate hike was well worth the peace of mind I felt. I am sticking with Allstate.
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+1Allstate is great! Saving people so much money always and always there whenever you need someone to help you with your insurance! You can always call your agent and they will help you with your policy however you need help. Saved my parents over 1,000 dollars a year from Travelers Insurance. UNBEATABLE!
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