Auto insurance providers

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 in the U.S. 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.

Finding the best auto insurance for your needs can be difficult. Whether you're looking for the cheapest premiums, the best customer service, or just great basic coverage, NerdWallet has you covered.

What should you keep in mind when getting started? First of all, a basic auto insurance policy covers the damage and loss of personal property as the result of a traffic collision, as well as coverage for injuries incurred to all parties involved. Proof of insurance is required in most of the U.S., and is a good idea for anyone intending to drive regularly.

How exactly does car insurance work? Generally, auto insurance offers coverage for injury, property damage, medical payments, personal injury, comprehensive physical damage, and collision, with provisions to cover expenses if the accident happens to be the fault of an uninsured motorist. Policies can be customized to add features like roadside assistance, towing services, and rental car compensation. Premiums usually become cheaper over time, especially if you don't get into any accidents, since the insurance provider considers you to be a less risky driver.Auto insurance for drivers is required by law in most states, and driving without it can lead to fines, increased future insurance costs and even a suspended license. Most lenders of car loans also require that you have insurance to protect their interest in your car. This is especially important for parents who plan to add a teen driver to their insurance policy. Typical policies provide liability coverage for both bodily injury and property damage for you and others involved in accidents with you. Owners of classic and collector cars also need insurance, but the rules can be slightly different. Auto insurance providers Learn how to choose auto insurance in our guide below.


Best Matched Auto Insurance Providers-


1.GEICO


Founded in 1926, GEICO is one of America's oldest and largest full-service insurance companies. Today, the company operates their business out of the corporate headquarters in Washington, D.C, and they have insured more than 22 million vehicles to date.

Fast quotes: GEICO can give drivers seeking auto insurance a quote for their insurance policy in less than 15 minutes.
Quote storage: Once customers receive their quote, GEICO stores the information for 90 days, so customers don't have to start over if they take a while to decide how to act.
24-Hour customer service: The company has representatives available to help customers 24 hours per day, 7 days per week. 

Discounts offered: GEICO offers customers discounts on auto insurance, including discounts for customer loyalty, driver's education, vehicle equipment additions and more.
Customer service satisfaction: The company is known for providing customers with excellent customer service, and they received the 2014 J.D. Power award for Highest Customer Satisfaction Among Auto Insurers.
Best for New drivers, people who just purchased a car and parents who drive children in their cars. 

2.Progressive Insurance


Progressive Insurance is one of the country's largest auto insurance companies and has been offering auto insurance since 1937. The company is headquartered just outside of Cleveland, OH.

Name your price: Progressive has a unique program for auto insurance that allows people to enter their budget and find a plan that matches closest with what they can afford.
Snapshot program: The company offers a device called Snapshot, which plugs into a car and reports stats about a driver's driving habits. This can help ensure that a driver is paying the right amount for their insurance.
Progressive app: Progressive has an app that allows its customers to access their information from their mobile devices, in case they need it while they are away from a PC.
Loyalty rewards: Progressive's Loyalty Rewards Program gives customers points for loyalty, and it offers benefits like Accident Forgiveness.
24-hour customer service: Representatives of Progressive are available 24 hours a day to help customers.

Best for New drivers, drivers who just purchased a car, and drivers who don't do much driving but own a car.

3.USAA Auto Insurance


Founded by former U.S. Army officers, USAA Auto Insurance is dedicated to providing affordable insurance and financial services to active duty, retired, and honorably discharged military personnel and their eligible family members.

Accident forgiveness: USAA Auto Insurance policyholders can add accident forgiveness, so if they are in an accident, their premiums won't change.
On-base parking discounts: Garaging vehicles on-base ensures vehicle safety, and, with USAA Auto Insurance, customers can get policy discounts for parking at work.
Top customer service: USAA Auto Insurance received the highest possible rating for their customer advocacy, according to a survey hosted by Forrester Research Inc.
All-in-one service: Members can use the USAA Auto Circle to locate, obtain financing and insure their new car. This process can help them save at every step of the way.
No charge flexible payments: Many insurance companies charge policyholders a fee for monthly payment structures, but USAA Auto Insurance offers flexible payments at no charge.
Best for Active duty military, retired military and new drivers. 

4.State Farm Auto Insurance


State Farm is one of America's largest and most popular full-service insurance companies. The company was founded in 1922 by retired farmer George Jacob Mecherle, and it has since grown to become the No. 41 ranked company on the Fortune 500 list of the largest companies.

Teenage driver discounts: State Farm offers a unique program called the Steer Clear Safe Driving program, which affords families with teenage drivers insurance discounts if they complete State Farm's course on safe driving.
Emergency roadside service: The company offers policyholders emergency roadside assistance should drivers run out of gas or oil, have a Auto insurance providers flat tire or lock their keys in their car (in addition to a myriad of other auto emergencies.)
Rental reimbursement program: Drivers who get in a collision and have to rent a car while theirs is being repaired are reimbursed for the cost of the rental car by State Farm.
Educational resources: The company offers customers and potential customers tons of helpful educational resources via their website, including helpful tips for purchasing the right car and equipment for the lowest insurance prices possible

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Specialized insurance offerings: State Farm offers a selection of specialized auto insurance, including not only classic car insurance, but also antique car insurance, for cars that are older than classic cars.
Best for New drivers, drivers who just purchased a car, and drivers who have teenage children who are learning to drive.


5.Allstate Auto Insurance


Allstate Auto Insurance provides quality protection across the United States. It allows customers to adjust limits and deductibles to find the right insurance policy without paying extra.

Complete coverage: Allstate offers customizable coverage options that can be tweaked and adjusted in order to include specifics, such as personal injury, broken glass, towing, etc.
Teen driving discounts: They offer discounts on teen drivers while many providers increase premiums for teen drivers, even those with clean driving records.
Coverage for other vehicles: In addition to car insurance, Allstate offers insurance for boats, motorcycles and other vehicles.
Local agents: Allstate has agents and brick-and-mortar Auto insurance providers offices in every state, which means you can meet with a representative face-to-face no matter where you are in the country. 

Drivewise app: They have an app that customers can download to track your driving habits and reward you for being safe behind the wheel.

Best for Drivers with clean records and teen drivers.


What’s covered?


The amount of coverage required by law varies from state to state. If you are a cautious person, you might opt for a more expensive policy with better coverage. If you have a lot of assets, experts recommend that you get enough liability coverage to protect them; otherwise, the other party involved in an accident could sue and attempt to collect on those assets.
Read the policy: Carefully examine your auto insurance policy to understand exactly what is covered, and work with your agent and insurance company to make the right adjustments to suit your unique situation.
Limits: Pay attention to the limits and deductibles set by the insurance policy. In some cases, there will be a maximum payout, which may not be as high as you’re looking for. Or in others, the deductible could be higher than you’re willing to pay out of pocket in the event of a claim.

Are there exclusions?


Sometimes insurance policies will have exclusions, and you’ll end up paying out of pocket for an accident or repair that you thought would be covered.
Other drivers don’t have insurance: If you get into a collision with an uninsured driver, you’ll have to pay for repairs out of your own pocket and sue for damages unless you have the proper auto insurance policy.
Car theft: Basic insurance policies don’t always cover car theft.
Damage from natural accidents: Some insurers don’t cover collisions with animals, tornados, earthquakes, damage from falling objects, etc., unless you specifically pay for these coverages.

Mechanics and replacement parts

Be wary during a claim. Some insurers will push you to use shops in a direct-repair program or use cheaper replacement parts rather than the original equipment manufacturer.
Can you choose a service provider?: Choosing your own mechanic is the best-case scenario, but they aren’t always covered by insurance policies. Check the fine print of the policy to see if the insurer has control over which service providers and parts are used for repairs. 

Are service providers reputable?: If the insurer has the authority to pick your mechanic, investigate them. Look for service reviews online from past claims and from former policyholders.
What if the replacement part breaks?: Find out how the insurer handles faulty repairs and how quickly they will take care of it.

Cost


The cost of auto insurance is a big factor in most people’s decision about which policy to choose.
Premium: The premium is the monthly , semi-annual or yearly price that you pay for your insurance plan.
Deductible: Deductibles are the amount of money you are required to pay for a claim before your insurance company starts to pay out. The lower your deductible, the higher your premium tends to be.
Coverage factors: Depending on much coverage you opt for (i.e., the limits), the cost of your insurance will vary. Your past driving record, credit rating, distance you drive and even drivers’ education will all affect how much your policy costs.

Optional coverage


In addition to basic auto insurance, there are optional coverages available for drivers with different needs.
Collision coverage: Collision coverage pays for the expenses to repair your car after you’ve been in an accident, whether you’re at fault or not. If you drive an older car that isn’t worth much money, it may not be worth it to pay for collision insurance.
Comprehensive coverage: This covers things that could happen to your car not related to an accident that might not be covered by standard insurance, such as weather damage, running into an animal or other factors. It’s a good idea to opt for comprehensive coverage if you can afford it, but it can get costly and might not be worth it if you drive an old or inexpensive car.
Uninsured motorist protection: This protects drivers in the event that they get into an accident with a person who isn’t insured but is to blame for the accident or in a hit-and-run. It will cover damages to the car and injury in the event that another driver is unable to pay out.

Insurance company ratings


An insurance company’s reputation is important. Good companies should have a quick response time, be adept at handling claims and have excellent customer service.
Reviews and complaints: Check the reviews and ratings on an insurance company before purchasing a policy. Be aware of any complaints that have been filed.
Handling claims: How long does it take for the company to handle a claim? Do you have to pay out of pocket first or do they cover the expenses immediately? 

What are different types of auto insurance policies?


Liability insurance


Liability insurance covers you if you’re in an accident deemed to be your fault. It will cover repairs to damaged property, as well as medical bills resulting from injury to the other driver and his or her passengers. Most states require at least a minimum amount of liability insurance, but it’s a good idea to purchase extra protection if you can afford it.

Collision coverage


If you are involved in an accident, collision coverage will pay for the repairs to your car whether or not you’re at fault. If your car is damaged beyond repair, good collision coverage will pay for the value of your car.

Comprehensive coverage


If something happens to your car that isn’t related to a vehicular accident, such as weather damage, hitting an animal or theft, comprehensive coverage will pay for the damage to the car.

Personal injury protection


Personal injury protection is imperative for all drivers. Medical bills following an accident can be devastating, and good personal injury coverage will cover medical expenses for you and your passengers, as well as missed work expenses. 

Uninsured motorist protection


About one in six drivers is uninsured, even though it is illegal to be in most states. Uninsured motorist protection offers payment when you are in a collision with another driver who is at fault and does not have insurance or after a hit-and-run. It is usually relatively inexpensive to add uninsured motorist protection to a car insurance policy.
We've reviewed numerous quoting services to bring you the best two. Each of the following free services can provide you with several competing quotes from various companies, thus enabling you to compare and pinpoint on the best rate that is available for your location:

The number one mistake made by full coverage car insurance seekers is approaching only the companies that are most heavily advertised. The first insurance company that comes to mind is not necessarily the one that will offer you the best rate.


The single most critical factor in getting a cheaper car insurance rate is shopping around for as many quotes as you can. Why? because different insurance companies charge different rates for the same coverage. In addition, insurance companies' competitiveness differ tremendously by customer location.


Only by obtaining several quotes that are specific to your situation and location you will be really able to discover the cheapest rate that is available to you. How many quotes? go for at least 5 quotes from different insurers, less than that will not do the job.


Now, usualy shoping around for five quotes can be a tedious and time consuming task, but we will make it here much easyer for you. 

Here's a list of Cheap Auto Insurance Companies in USA:


21st Century Insurance

Acuity

ACE Limited

Aetna

Aflac

Alleghany Corporation

Allied Insurance

Allstate

American Automobile Association

American Family Insurance

American Income Life Insurance Company

American International Group (AIG)

American National Insurance Company

Ameritas Life Insurance Company

Amica Mutual Insurance

Applied Underwriters

Arbella Insurance Group

Assurant

Assurity Life Insurance Company

Auto-Owners Insurance

AXA Equitable Life Insurance Company

Bankers Life and Casualty Company

Berkshire Hathaway

California Casualty

Cincinnati Insurance Company

CNA Financial

Colonial Life & Accident Insurance Company

Combined Insurance

Commerce Insurance Group

Conseco

Country Financial

Chartis

Chubb Corp.

Elephant.com

Encompass Insurance Company

Erie Insurance Group

Esurance

Evergreen USA RRG

FM Global

Family Heritage

Farmers Insurance Group

Federated Mutual Insurance Company

First Catholic Slovak Ladies Association of the United States of America

FirstComp Insurance Company

First Insurance Company of Hawaii

GAINSCO

GEICO

General Re

Genworth Financial

GMAC Insurance

Gracy Title Company

Grange Mutual Casualty Company

Guarantee Insurance Company

Guardian Life Insurance Company of America

GuideOne Insurance

Hanover Insurance

The Hartford

HCC Insurance Holdings

Horace Mann Insurance Company

Infinity Property & Casualty Corporation

IntelliQuote Insurance Services

Jackson National Life

John Hancock Insurance

K&K Insurance

Kansas City Life Insurance Company

Kentucky Farm Bureau

Knights of Columbus

Liberty Mutual

Lincoln National Corporation

Markel Corporation

MassMutual Financial Group

Merchants Insurance Group

Mercury Insurance Group

MetLife

Mutual of Omaha

National Life

Nationwide Mutual Insurance Company

New Jersey Manufacturers Insurance Company

New York Life Insurance Company

Nonprofits Insurance Alliance Group

Northwestern Mutual

Ocean Harbor Casualty Insurance Company

Ohio Mutual Insurance Group

Omega

OneBeacon

Oscar

Oxford Health Plans

Pacific Life

Pacificare

PEMCO

Penn Mutual

Philadelphia Contributionship for the Insurance of Houses from Loss by Fire

Philadelphia Insurance Companies

Physicians Mutual

Principal Financial Group

Primerica

Progressive

Protective Life

Prudential Financial

QBE

The Regence Group

Reliance Insurance Company

RLI Corp.

Safe Auto Insurance Company

Safeco

Safeway Insurance Group

Secura Insurance Company

Sentry Insurance

Selective Insurance

Shelter Insurance

Southern Aid and Insurance Company

Standard Insurance Company

State Auto Insurance Group

State Farm Insurance

Sun Life Financial

Symetra

TIAA-CREF

The Main Street America Group

The Norfolk & Dedham Group

The Travelers Companies

Trupanion

Unitrin Direct Auto Insurance

Unum

USAA

West Bend[disambiguation needed]

West Coast Life

Western Mutual Insurance Group

Western & Southern Financial Group

Westfield Insurance

White Mountains Insurance Group

Workmen's Auto Insurance Company

Zurich NA








When you're shopping for insurance, price and customer service are important. Will you be happy with claims service? Will you want to renew your policy and recommend the company? Insure.com asked the customers of large insurers to rate their level of satisfaction on five key measurements: customer service, claims, value for the price paid, whether they would renew and whether they would recommend the insurers. This resource shows their responses and lets you sort by the measurements most important to you.


Insure-me conducted surveys of 3,835 insurance customers nationwide in February and March 2014 to collect 9,586 company reviews. The survey was not open to the general public on the Insure.com website. Insure.com collected reviews for auto, home, health and life insurance carriers. Consumers answered questions about their levels of satisfaction with their insurers, and each answer was assigned a point value. Points were then averaged and totaled for each company.


"Coverage options" and A.M. Best ratings do not affect the scores but are provided as a supplementary resource.


Insure-me collected data for 15 large companies in each category, so not all companies are represented in the study. The top three companies in each category earned Insure.com's "People's Choice Award." In the life insurance category, a tie for third place resulted in four insurers receiving the award.


Finding the best auto insurance for your needs can be difficult. Whether you're looking for the cheapest premiums, the best customer service, or just great basic coverage, NerdWallet has you covered.

What should you keep in mind when getting started? First of all, a basic auto insurance policy covers the damage and loss of personal property as the result of a traffic collission, as well as coverage for injuries incurred to all parties involved. Proof of insurance is required in most of the U.S., and is a good idea for anyone intending to drive regularly.


How exactly does car insurance work? Generally, auto insurance offers coverage for injury, property damage, medocial payments, personal injury, comprehensive physical damage, and collision, with provisions to cover expenses if the accident happens to be the fault of an uninsured motorist. Policies can be customized to add features like roadside assistance, towing services, and rental car compensation. Premiums usually become cheaper over time, especially if you don't get into any accidents, since the insurance provider considers you to be a less risky driver.





If you own a car, truck or other motor vehicle, most states require you to purchase Auto Liability insurance, which can protect you and your passengers in the event of a covered loss.


Auto insurance companies' rates are based on many factors and quotes can vary widely. Among the factors that insurance companies often consider when setting rates are age, gender, driving history, and the year, make and model of the vehicle. Additionally, in some states insurers can consider credit histories (credit scoring) when providing rate quotes.


If your car is financed, your lender will likely require you carry some form of Comprehensive insurance (sometimes known as "Other than Collision Coverage"). This type of insurance protects you against damage caused by things other than a vehicle collision such as fire, hail, flood, vandalism or theft. Collision insurance is coverage that applies to your vehicle if it is damaged as a result of colliding with another object—another vehicle, for example, or a tree.


Another step is to check the credit-worthiness of your insurance company through Moody's, Standard & Poor's and AM Best. If your insurance company has a strong financial rating, chances are excellent that it will have the ability to withstand a major catastrophe, such as claims produced by a hurricane, flood, earthquake or wildfires.


Cheap Car Insurance Companies List Quotes:


Since vehicle policies are regulated at the state level, it is recommended that you add the name of your state and city to the search term when searching online for low cost quotes. For your convenient here is a list of US states and biggest cities: Alabama AL, in Alaska AK, in Arizona AZ, in Arkansas AR, in California CA, in Colorado CO, Connecticut CT, Delaware DE, District of Columbia DC, Florida FL, Georgia GA, Hawaii HI, Idaho ID, Illinois IL, Indiana IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA, Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV, New Hampshire NH, New Jersey NJ, New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA, Puerto Rico PR, Rhode Island RI, South Carolina SC, South Dakota SD, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VI, Washington WA, West Virginia WV, Wisconsin WI, Wyoming WY. New York, Los Angeles, Chicago, Houston, Philadelphia, okc, Phoenix, San Antonio, San Diego, Dallas, San Jose, Detroit, Indianapolis, Jacksonville, San Francisco, Columbus, Ohio, Austin, Memphis, Baltimore, Fort Worth, Charlotte, El Paso, Milwaukee, Seattle, Boston, Denver, Louisville- Jefferson County, Washington, Nashville-Davidson, in Las Vegas, Portland, Oklahoma City, Tucson, Albuquerque, Long Beach, Atlanta, Fresno, Sacramento, New Orleans, Cleveland, Kansas City, UK, Virginia Beach, Omaha, Oakland, Miami, Canadian, Canada, Northern Ireland, Australia, Tulsa, Honolulu, Minneapolis, Colorado Springs, Arlington.


The purpose of this article is to show you how to save on your policy premium costs and obtain really cheap policy price offers from the best rated and best value insurers. Now note that your rate can differ based on several factors. For example, the following personal factors can negatively affect your rate: first car for teens girls and boys, young driver, new drivers, over 60, under 21, learner drivers, teenagers, 17 year olds, young persons, high risk, under 25, drink drivers, young people, business car (any driver), young persons, 1st for women, business car insurance (any driver) and convicted drivers.


While other factors can allow for more affordable quotes, these include: over 50, college student, military, ladies, second car, renew current policy, low mileage, dual car, group family, joint drivers, 2nd car, limited mileage, multiple car and renewal.


There are some non-regular coverages that may not be available from every broker and agency, these may include: BMW vintage, pay as you go premium payments, high performance and racing autos, temporary European vehicles quotes, third party temp cover, antique or classic car, non owner 4x4 rental, no deposit required or agreed value low deposit.




You may also be interested in a non-regular term, these may include: pay monthly, for a day, for 6 month, weekend, monthly, weekly, short term, temp or 1 month - for those you'll need to locate specializing agencies or brokers. As for discounts for low income car owners, unfortunately most USA insurers will not provide low income men or women with special cheep or discounted car insurances rates. You can further lower your costs by limiting your cover to just liability rather than comprehensive, however this is not recommended. To summarize, taking advantage of the knowledge provided in this article can substantially reduce your average carinsurance costs.
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