Top 10 Best Car Insurance Companies in USA 2023

We assessed insurance companies in the USA to discover the top 10 car insurance providers that offer the best rates, extensive coverage features, and efficient collision claims processes. By locating the Best Car Insurance Companies, you can ensure savings and avoid unnecessary frustrations.

Top 10 Best Car Insurance Companies in USA

American Family

American Family has a robust lineup of optional car insurance coverage types and a very low level of complaints made against the company. This helps them stand out even with only average car insurance rates.

Pros

American Family, one of the top 10 insurance companies in the USA, stands out for its exceptional customer satisfaction, as evidenced by the significantly low number of complaints filed with state insurance departments regarding their auto insurance policies.

Even for drivers with a DUI on their record, American Family provides reasonably priced coverage options, making it a preferred choice for those seeking affordable rates in such circumstances.

Additionally, American Family goes the extra mile by offering services like filing SR-22s when necessary, ensuring compliance with legal requirements and providing peace of mind to customers.

With advantageous features like accident forgiveness and vanishing deductible, American Family rewards safe driving habits and demonstrates a commitment to prioritizing their policyholders’ needs.

Recognizing the importance of protecting new car owners, American Family offers the option to purchase gap insurance, safeguarding against potential financial loss in the event of an accident or theft.

For those seeking cost-effective coverage tailored to their driving habits, American Family presents a usage-based insurance program called KnowYourDrive. This innovative program enables good drivers to reduce their auto insurance costs by basing premiums on their specific driving behaviors.

Furthermore, American Family extends its coverage offerings to include nonowners car insurance, catering to individuals who frequently drive but do not own a vehicle.

Lastly, American Family understands the needs of rideshare drivers and provides specialized insurance options for Lyft and Uber drivers, ensuring comprehensive coverage during their professional activities.

Cons

When it comes to car insurance costs for good drivers without any incidents on their record, American Family falls within the average range. While they provide competitive rates, there are other insurance companies that may offer more favorable premiums in this category.

When adding a teen driver to a parent’s policy, American Family’s costs are considered satisfactory. However, there may be alternative insurance providers that offer more enticing rates for this particular situation.

For both young drivers and senior drivers, American Family’s auto insurance costs are considered moderate. While they provide coverage options for these demographics, it’s worth exploring other insurers to potentially find more cost-effective solutions.

It’s important to note that American Family operates in 19 states only and is not available nationwide. This limited availability should be taken into consideration when comparing insurance options, as some individuals may not have access to their services depending on their location.

Auto-Owners

Auto-Owners Insurance shines with its optional coverage options, its claims process, low level of complaints and competitive pricing.

Pros

For drivers who have been involved in accidents, American Family offers excellent car insurance costs. While USAA may be slightly cheaper in this regard, it’s important to note that USAA’s eligibility is limited to military families and veterans.

American Family stands out by providing accident forgiveness and a diminishing deductible feature, which are highly beneficial for policyholders. These offerings demonstrate their commitment to supporting customers during challenging times.

Furthermore, American Family offers a notable discount, averaging 14%, for those who choose to pay their auto insurance policy in full. This provides an opportunity for cost savings and greater convenience for policyholders.

To address potential gaps in coverage, American Family provides options such as gap insurance and new car replacement coverage. These additional features offer added protection and peace of mind for new car owners.

For good drivers seeking reduced car insurance costs, American Family presents the Auto-Owners’ usage-based insurance program, known as TrueRide. By participating in this program, drivers have the chance to lower their insurance premiums based on their driving habits, rewarding safe and responsible behavior.

Lastly, American Family’s claim process has received high praise from collision experts, further highlighting their commitment to efficient and effective claims handling.

Cons

While there are car insurance options available at a lower cost for individuals with a DUI or poor credit, it’s important to note that American Family’s offerings in these cases may not be the most budget-friendly.

When it comes to adding a teen driver to an existing policy, American Family’s costs are considered average or moderate. Exploring alternative insurance providers may present more favorable pricing options for this specific situation.

For drivers requiring SR-22 filings, American Family may not be the ideal choice. It’s recommended to seek out other insurance companies that specialize in providing SR-22 coverage and cater to the specific needs of these individuals.

Nationwide

Nationwide presents favorable car insurance costs for certain driver profiles and provides a range of valuable add-on coverages. The company has a commendably low number of complaints related to their auto insurance services, making it a noteworthy option to consider when searching for auto insurance providers.

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One notable advantage of Nationwide is the availability of both a usage-based insurance program and a pay-per-mile option. These innovative offerings enable drivers to potentially reduce their insurance costs by aligning premiums with their actual driving behavior.

If you’re looking to explore car insurance options, Nationwide’s competitive rates, comprehensive coverage options, and commitment to personalized pricing models make it a company worth considering.

Pros

Nationwide provides a usage-based insurance program called SmartRide, designed for good drivers seeking to reduce their car insurance costs based on their driving habits. Additionally, they offer the SmartMiles program, which caters to low-mileage drivers who want to save by paying per mile driven.

When it comes to adding a teen driver to a policy, Nationwide offers reasonably competitive insurance rates. This is especially significant considering that adding a teen driver is typically associated with higher expenses for parents.

Furthermore, Nationwide offers relatively affordable premiums for drivers with poor credit. They understand that financial circumstances can vary and strive to provide accessible coverage options for individuals with different credit profiles.

To enhance policy coverage, Nationwide offers valuable options such as accident forgiveness, new car replacement, and vanishing deductible. These additional features provide added protection and peace of mind for policyholders in case of accidents or the need for deductible reduction.

By considering Nationwide, drivers can benefit from their usage-based and pay-per-mile programs, competitive rates for adding a teen driver, affordable premiums for drivers with poor credit, and the availability of attractive policy add-ons.

Cons

For drivers who have been involved in an accident resulting in injuries, Nationwide may have higher auto insurance costs compared to other providers. It’s important to consider this factor when evaluating insurance options.

When it comes to drivers with a DUI on their record, Nationwide’s car insurance rates are relatively higher compared to other top competitors in the market. It’s recommended to explore alternative insurance providers for potentially more affordable rates in this specific situation.

Unfortunately, Nationwide does not offer specific rideshare insurance coverage. If you are a rideshare driver, it is advisable to consider other insurance companies that provide specialized coverage tailored to the unique needs of this profession.

USAA

USAA offers highly competitive car insurance costs for motorists with diverse driving records. If you qualify, it’s definitely worth considering USAA as an insurance option. However, it’s important to note that eligibility for USAA auto insurance is restricted to military members, veterans, and military family members. If you meet these qualifications, exploring USAA’s offerings can potentially provide you with affordable and comprehensive coverage.

Pros

USAA stands out for its affordability, providing low costs not only for good drivers but also for those with incidents such as accidents, tickets, or DUIs on their driving records. This makes it an attractive option for a wide range of motorists.

In addition to competitive rates for various driving records, USAA offers favorable insurance rates for seniors and young drivers. These age groups are typically associated with higher insurance costs, making USAA’s offerings particularly appealing.

To further enhance their policy features, USAA provides accident forgiveness and new car replacement options. These benefits provide added protection and peace of mind in case of accidents or the need for vehicle replacement.

USAA also offers a rideshare insurance coverage option, catering to the needs of drivers who work in the rideshare industry. This specialized coverage ensures comprehensive protection during their professional activities.

For good drivers looking to potentially lower their car insurance costs, USAA offers a usage-based insurance program called SafePilot. By participating in this program, drivers have the opportunity to reduce their premiums based on their safe driving habits, rewarding responsible behavior on the road.

With its low costs, inclusive coverage options, rideshare insurance, and usage-based program, USAA presents a compelling choice for motorists seeking affordable and comprehensive car insurance coverage.

Cons

USAA provides coverage exclusively to veterans, active members of the military, and their immediate families, making eligibility requirements limited. It’s important to note that not everyone is eligible for their insurance policies.

When it comes to bundling discounts for both auto and home insurance, USAA’s average discount is relatively modest, standing at only 6%. While bundling can still provide some cost savings, it’s worth considering other insurance providers that may offer more substantial discounts in this area.

For those adding a teen driver to their policy, USAA’s car insurance options may not be the most cost-effective. Exploring alternative insurance providers can potentially lead to more affordable rates when adding a teenage driver to a policy.

Additionally, USAA does not offer gap insurance coverage. If you require this specific type of coverage, it is advisable to consider other insurance companies that provide gap insurance as part of their offerings.

Geico

Geico stands out with its highly competitive car insurance costs, catering to a wide range of drivers. If you’re in search of affordable auto insurance, Geico is definitely worth considering due to its reputation for offering cheap rates.

Pros

Geico provides exceptional auto insurance rates not only for good drivers but also for individuals who have had a speeding ticket, poor credit, or have been caught driving without insurance. This inclusivity in pricing options makes Geico a top choice for those seeking competitive rates despite their specific circumstances.

In addition to catering to drivers with different backgrounds, Geico offers attractive rates for seniors and young drivers. These two age groups are typically associated with higher insurance costs, making Geico’s offerings particularly appealing.

Geico further enhances their policies by providing accident forgiveness, a valuable feature that offers added peace of mind in the event of an accident.

For good drivers looking to potentially reduce their auto insurance costs, Geico offers the DriveEasy program, a usage-based insurance option. By participating in this program, drivers have the opportunity to lower their insurance premiums based on their individual driving habits, rewarding responsible behavior on the road.

With its great rates for various driver profiles, including those with speeding tickets, poor credit, or previous uninsured incidents, as well as the provision of accident forgiveness and a usage-based insurance program, Geico is a top contender for affordable and comprehensive auto insurance coverage.

Cons

Geico’s car insurance prices for drivers with a DUI are considered average or moderate. While they offer coverage for this particular driving record, it’s recommended to explore other insurance providers for potentially more competitive rates in this specific situation.

If you are seeking specific coverage features such as new car replacement, a vanishing deductible, or rideshare insurance, you will need to consider alternative insurance options. Geico does not provide these features as part of their offerings.

When it comes to bundling auto and home insurance, Geico’s average discount is relatively modest, standing at 8%. While bundling can still provide some cost savings, it’s worth considering other insurance providers that may offer more substantial discounts in this area.

Considering these factors, it may be beneficial to explore other insurance companies that better cater to your specific needs and offer more competitive pricing for drivers with a DUI, desired coverage features, or higher discounts for bundling auto and home insurance.

Travelers

Travelers offers competitive rates across the board for various types of drivers, making it an attractive option to consider. The company provides decent rates that are favorable for a wide range of individuals.

In addition to their competitive pricing, Travelers stands out for its comprehensive range of optional offerings. These additional coverage options allow policyholders to enhance their insurance protection according to their specific needs. This makes Travelers a solid choice worth exploring when engaging in comparison shopping for insurance providers.

Pros

Travelers provides loan/lease gap insurance at a highly attractive price, averaging around $39 per year. This affordable coverage offers valuable financial protection for those with outstanding loans or leases on their vehicles.

In addition to their competitive pricing, Travelers offers accident forgiveness and minor violation forgiveness. These forgiveness programs ensure that policyholders are not penalized for certain incidents, providing added peace of mind.

Travelers also presents a usage-based insurance program called IntelliDrive, which rewards safe drivers with potential discounts. By participating in this program, drivers can demonstrate their responsible behavior on the road and potentially lower their insurance premiums.

Furthermore, Travelers maintains an excellent reputation with a very low level of complaints registered with state insurance departments. This signifies their commitment to customer satisfaction and reliability in their insurance services.

With its affordable loan/lease gap insurance, forgiveness programs, usage-based insurance program, and exceptional customer satisfaction, Travelers emerges as a top choice for those seeking comprehensive and cost-effective auto insurance coverage.

Cons

When it comes to adding a teen driver to a policy, Travelers’ auto insurance costs tend to be higher. It’s important to consider this factor as it can significantly impact the overall policy expenses.

For senior drivers, Travelers’ average auto insurance costs are relatively high. This is an important consideration, especially for individuals in this age group who may be looking for more affordable coverage options.

While Travelers does offer rideshare insurance, it’s important to note that this coverage is only available in a limited number of states. If you’re a rideshare driver, it’s recommended to explore other insurance providers that offer rideshare coverage in your specific location.

When it comes to bundling both auto and home insurance, Travelers’ discount is on the lower end, standing at only 10%. While bundling can still provide some savings, it may be worthwhile to explore other insurance companies that offer more substantial discounts for bundling these policies.

Considering these factors, it’s advisable to compare insurance providers to find options that offer more competitive rates for adding a teen driver, more affordable coverage for senior drivers, broader availability of rideshare insurance, and higher discounts for bundling auto and home insurance.

Westfield

Westfield offers highly competitive car insurance rates for a variety of drivers, making it an attractive choice in the insurance market. Additionally, Westfield boasts a remarkably low number of complaints, indicating their commitment to customer satisfaction.

Furthermore, Westfield has received favorable ratings from repair professionals for its collision claims process, showcasing their efficiency and effectiveness in handling claims.

If you reside in one of the states where Westfield operates, it is definitely worth exploring their insurance rates. The combination of competitive pricing, low complaint rates, and positive feedback from repair professionals make Westfield a compelling option to consider for your car insurance needs.

Pros

Westfield provides affordable car insurance options for not only good drivers but also individuals with a history of accidents or tickets on their records. This inclusiveness in pricing makes Westfield an appealing choice for a wide range of drivers.

In addition to catering to different driving records, Westfield offers favorable rates for senior drivers and those with poor credit. This allows these specific groups to obtain coverage at reasonable prices, accommodating their unique circumstances.

Westfield also offers gap insurance, providing an additional layer of financial protection for policyholders. This coverage ensures that in the event of a total loss or theft of a vehicle, the difference between the car’s actual cash value and the remaining loan or lease amount is covered.

With its commitment to customer satisfaction, Westfield boasts a very low level of complaints reported to state insurance departments. This demonstrates the company’s dedication to providing excellent service and addressing customer concerns.

Furthermore, Westfield has received a positive grade from collision experts for its collision claim process. This recognition indicates the company’s proficiency and effectiveness in handling claims related to collisions.

To further cater to families, Westfield offers various family discounts, including a discount for teen drivers in the household and adult children obtaining their own car insurance policies through Westfield. These discounts help make insurance coverage more affordable and accessible for families.

Considering these factors, Westfield emerges as a strong contender for affordable and comprehensive car insurance coverage, accommodating drivers with different records, offering gap insurance, maintaining high customer satisfaction levels, and providing beneficial discounts for families.

Cons

Among the insurance companies we evaluated, Westfield has the highest average auto insurance cost for drivers with a DUI on their records. It’s important to consider this factor if you have a DUI conviction, as it may impact your overall insurance expenses.

Adding a teen driver to your policy with Westfield can be quite pricey. It’s recommended to explore other insurance options if you’re seeking more affordable rates for insuring a teenage driver.

Unfortunately, Westfield does not offer the option to obtain a car insurance quote online through their website. If you prefer the convenience of obtaining quotes online, it may be necessary to consider alternative insurance providers that offer this feature.

Westfield’s availability is limited to 10 states, primarily concentrated in the Midwest region. It’s crucial to check if Westfield operates in your state of residence, as their services may not be accessible in other locations.

Considering these points, it’s advisable to explore other insurance companies that offer more competitive rates for drivers with a DUI, more affordable options for adding a teen driver, online quoting capabilities, and broader geographical coverage.

Erie Insurance

Erie stands out for its comprehensive coverage offerings and excellent performance in collision repair claims processes, receiving a top score in this area. These advantages compensate for Erie’s car insurance rates, which can vary depending on your individual driving record and circumstances.

Pros

Erie provides exceptional car insurance rates for policyholders who add a teen driver to their policy. This makes it an appealing option for families looking to insure young drivers at affordable prices.

For individuals who have been in an accident or have a speeding ticket on their record, Erie offers reasonable auto insurance prices. This allows drivers with these incidents on their record to obtain coverage without facing exorbitant premiums.

Erie proves beneficial for new car owners by offering gap insurance and new car replacement coverage. These options provide valuable protection to ensure that in the event of a total loss, policyholders can receive compensation that covers the remaining loan or lease balance or provides a replacement vehicle.

In terms of additional features, Erie includes accident forgiveness and vanishing deductibles. These benefits offer peace of mind by forgiving accidents without impacting premium rates and gradually reducing deductibles over time for safe driving behavior.

Erie has also received a high grade from collision experts for its claim process. This recognition reflects the company’s efficiency and effectiveness in handling claims related to collisions.

Furthermore, Erie’s Rate Lock feature makes budgeting costs simple. With Rate Lock, policyholders can maintain a consistent price year after year, unless specific policy changes such as adding or removing a vehicle are made. This helps individuals plan and budget their insurance expenses without unexpected rate fluctuations.

Considering these advantages, Erie emerges as an excellent choice for car insurance, offering attractive rates for teen drivers, reasonable prices for drivers with incidents on their record, comprehensive coverage for new car owners, beneficial features like accident forgiveness and vanishing deductibles, and a Rate Lock feature for consistent budgeting.

Cons

Erie tends to have higher average rates for drivers with bad credit. If you have a less-than-ideal credit history, it’s important to consider this factor when assessing your overall insurance costs.

Unfortunately, Erie does not offer a usage-based auto insurance program. If you’re interested in a program that allows you to potentially lower your insurance costs based on your driving habits, it may be necessary to explore alternative insurance providers.

Erie is a regional insurance company and is only available in 12 states. It’s important to verify if Erie operates in your state of residence, as their services may not be accessible in other locations.

When it comes to customer feedback, Erie has a higher-than-average level of complaints reported to state insurance departments regarding its auto insurance. Most of these complaints are related to surcharges and premiums. It’s recommended to review and consider customer feedback when making a decision about insurance providers.

Taking these factors into account, it may be beneficial to explore other insurance options that offer more competitive rates for drivers with bad credit, usage-based insurance programs, broader geographical coverage, and a lower number of complaints related to premiums and surcharges.

Progressive

Progressive stands out with its exceptional pricing for drivers with a DUI, making it an appealing choice for those seeking affordable car insurance options despite their driving history. Additionally, Progressive offers a wide range of optional car insurance coverage types, providing flexibility for policyholders to tailor their coverage to their specific needs.

Moreover, Progressive maintains a low level of complaints, indicating their commitment to customer satisfaction and efficient claims handling. This positive aspect helps counterbalance the fact that Progressive’s costs are only average for good drivers and relatively higher for individuals who have been involved in accidents.

Considering these factors, Progressive offers a compelling combination of competitive pricing for drivers with a DUI, diverse coverage options, and a strong customer service track record.

Pros

Drivers with a DUI on their records can benefit from great prices offered by Progressive. While USAA may have slightly cheaper rates, it’s important to note that USAA’s eligibility is limited to military families and veterans.

For new car owners, Progressive provides the option to purchase gap insurance, ensuring comprehensive coverage in the event of a total loss or theft.

In addition, Progressive offers valuable features such as accident forgiveness, which protects drivers from premium increases following their first at-fault accident, and a vanishing deductible program, which progressively lowers the deductible amount for safe driving behavior.

Progressive also caters to individuals who require nonowner car insurance or SR-22 filings, providing the necessary coverage and documentation for those specific circumstances.

Considering these factors, Progressive emerges as an excellent choice for drivers with a DUI, offering competitive prices, gap insurance for new car owners, beneficial features like accident forgiveness and a vanishing deductible, as well as accommodating nonowner car insurance and SR-22 filings.

Cons

Progressive’s auto insurance prices for good drivers, those with speeding tickets, and individuals with poor credit are only average, lacking the competitive edge found in other providers.

Drivers who have been in an accident or experienced a gap in insurance coverage may face high car insurance costs with Progressive. It’s important to consider these factors when evaluating the overall affordability of coverage.

Senior drivers and young drivers may encounter higher rates with Progressive, as they fall into age groups that typically face higher insurance premiums across the industry.

It’s worth noting that Progressive does not offer new car replacement coverage, which may be a disadvantage for individuals seeking comprehensive protection for their recently purchased vehicles.

Progressive does offer a usage-based program called Snapshot, allowing good drivers to potentially receive a decent discount based on their driving habits. However, it’s important to note that if your driving score with the program is low, your rates could go up. According to Progressive, approximately 20% of drivers who use Snapshot experience rate increases.

Considering these factors, while Progressive may not offer the most competitive prices for good drivers, those with speeding tickets, or individuals with poor credit, it provides the opportunity for good drivers to potentially lower their rates through the Snapshot program. However, it’s crucial to monitor driving scores to avoid potential rate increases. It’s advisable to explore other insurance options if seeking lower prices, more comprehensive coverage, or specialized features such as new car replacement.

State Farm

State Farm’s car insurance costs are relatively competitive, making it an appealing option to consider. Additionally, the company boasts a low level of complaints, which further enhances its reputation and reliability.

When it comes to car insurance, it’s important to explore various providers and their offerings. State Farm’s combination of reasonable costs and a positive customer feedback record make it a viable choice for individuals seeking reliable and affordable coverage.

Pros

State Farm offers a noteworthy renewal discount of 14% on average when you remain a policyholder for at least three consecutive years. This incentive encourages customer loyalty and rewards long-term commitment.

For drivers with speeding tickets on their records, State Farm provides competitive car insurance rates, ensuring that even individuals with less-than-ideal driving histories can access affordable coverage.

Adding a teen driver to a parent’s policy is made more affordable with State Farm, as the company offers good average prices for this particular scenario. This helps parents manage the increased costs associated with insuring young and inexperienced drivers.

State Farm also assists those who require SR-22 forms, which are necessary for certain situations, ensuring compliance and appropriate coverage for those individuals.

Drivers willing to be monitored for their driving habits can take advantage of State Farm’s usage-based insurance program, Drive Safe & Save. This program allows policyholders to potentially obtain a discount based on their driving behavior, offering an opportunity for cost savings.

Furthermore, State Farm maintains a low level of complaints filed with state insurance departments concerning their car insurance services. This demonstrates their commitment to customer satisfaction and efficient claims handling.

Taking all these factors into account, State Farm stands out with its renewal discount, competitive rates for drivers with speeding tickets, affordability when adding a teen driver to a policy, SR-22 filing assistance, usage-based insurance program, and a strong track record of customer satisfaction.

Cons

Among the companies we analyzed, State Farm has the highest average rates for drivers with poor credit. This particular demographic may find more affordable options with other insurance providers.

When it comes to auto insurance costs, State Farm offers only mediocre rates for good drivers, as well as individuals with an accident or DUI on their driving record. Those seeking more competitive prices may need to explore alternative insurance companies.

State Farm does not provide gap insurance, which is an important coverage option for many drivers. If you are in need of this type of coverage, you will have to consider other insurance providers that offer gap insurance.

Additionally, State Farm does not offer certain coverage options such as accident forgiveness, new car replacement, or a vanishing deductible. If these features are essential to you, it will be necessary to seek out other insurance companies that provide these options.

Considering these points, while State Farm may have its advantages, such as a solid reputation and a wide range of coverage offerings, it may not be the best choice for drivers with poor credit, those looking for more affordable rates, or individuals specifically seeking coverage options like accident forgiveness, new car replacement, or a vanishing deductible.