One of the most important insurance in our life is auto insurance. Auto insurance is mandated in almost every state in the US.

However, not all car insurance policies are the same. Insurance companies offer you different things. When you compare them, it’s better for you to look at the entire picture, including customer service, coverage options, discount offerings, and even the digital experience the company’s website offers.

After our research and analysis, we selected the following companies as the 5 best car insurance companies based on a comprehensive assessment.

GEICO: Best Rates & Discounts

GEICO is definitely the best for competitive rates and discounts. What’s more, the GEICO mobile app is really useful.

Discounts

  • Airbags
  • Anti-lock brakes
  • Anti-theft system
  • Is a new vehicle

Other breaks relate to you and your behavior. You might qualify for a discount if you are a:

  • Good driver
  • Seat belt use
  • Educated driver
  • Student
  • Federal employee
  • Member of the military

The company also partners with hundreds of groups, associations, and corporations to provide special rates for members or employees. GEICO also awards discounts for customer loyalty: There are multi-vehicle and multi-policy discounts. Some of the above-mentioned breaks increase the longer you retain your GEICO insurance coverage.

USAA: Best for Military Families

If you or a family member has or has had military ties, then the car coverage offered by USAA is hands down your best choice. The well-regarded financial institution, which is open to armed services members (active or retired) and their immediate kin (spouses, children), offers some of the lowest premiums in the industry, along with sterling customer service.

Coverage & Discount Options

Like those of most other auto insurance carriers, USAA’s policies offer:

  • Bodily injury liability
  • Property damage liability
  • Collision and comprehensive coverage
  • Uninsured motorist coverage
  • Personal injury protection and medical payments

Additionally, USAA offers rideshare coverage for Lyft and Uber drivers, 24/7 roadside assistance and towing coverage. USAA customers can also bundle their car and homeowners policies, or select other coverages like life insurance, renters or condo insurance, or boat insurance.

When it comes to discounts, USAA offers:

  • Safe driver discounts
  • Student discounts for drivers under 21
  • Multi-vehicle and multi-policy discounts
  • Base and storage discounts
  • Mileage-based discounts
  • Return customer discounts

Current military personnel who live on base or end up deployed overseas can receive discounts for upwards of 60%. Additionally, USAA offers accident forgiveness if you go accident-free for five years or if you end up in any accidents where you are deemed not at fault.

State Farm: Best Personalized Experience

Over the past century, State Farm has grown into a national name for a variety of insurance products, including car coverage. And—increasingly rare in this digitized, outsourcing age—it maintains a network of employees across the United States, meaning you always have access to a local State Farm agent for your insurance questions and needs.

Coverage & Discount Options

State Farm offers fairly extensive car insurance coverages like:

  • Liability coverage
  • Collision and comprehensive
  • Medical payments & Personal injury protection (PIP) coverage
  • Uninsured & underinsured motorist coverage
  • GAP insurance
  • Rideshare insurance
  • Emergency roadside assistance
  • Rental car & travel expense reimbursement

Additionally, State Farm offers coverage for other vehicles, like motorcycles, boats, and off-road vehicles. You can bundle your auto coverage with one of its other insurance policies.

When it comes to discounts, State Farm offers lots of options for safe drivers, safe vehicles, and customer loyalty. Bundling different insurance policies can save up to 17%, and multi-vehicle policies, up to 20%.

Amica Mutual: Best for Claims Satisfaction

Amica Mutual has received the top spot on J.D. Power’s Auto Claims Satisfaction Study for multiple years in a row—including 2019. From low complaints to low premiums, it garners superlatives in several areas. We’re singling it out as the best based on claims satisfaction.

Coverage & Discount Options

Like most other auto insurance companies, Amica offers all of the required and beneficial elective coverages you’d need: 24/7 roadside assistance, rental car reimbursement, and even glass coverage (repairing your windshield or windows, without incurring a deductible). Amica also offers an inclusive package called Platinum Choice Auto, which includes perks like accident forgiveness, the aforementioned glass coverage, identity theft monitoring, and premium rental car coverage. Customers can also receive referral and loyalty discounts.

Amica’s rates are competitive:

  • Safe vehicle discounts for airbags, anti-theft systems, and more
  • Multi-vehicle and multi-policy discounts
  • Loyalty discounts for customers who remain with Amica for 2+ years
  • Auto-pay and paid-in-full discounts
  • E-discount for customers who go paperless

Allstate: Best for High-Risk Drivers

If your driving record is less than stellar, Allstate can help you get back on track (and will provide incentives for you along the way). In fact, Allstate offers payments for every six months you drive without accidents and will cut down your collision deductible by $100 for every year you drive without any moving violations.

Coverage

When it comes to auto coverage, Allstate offers:

  • Bodily injury liability
  • Property damage liability
  • Collision and comprehensive coverage
  • Uninsured motorist coverage
  • Personal injury protection and medical payments
  • Umbrella insurance policies

What’s more, Allstate offers some unique items, such as rideshare coverage for Lyft and Uber drivers, classic car coverage for antique autos, Mexican travel insurance for those who drive across the border, and custom parts coverage for aftermarket equipment.

Discounts

Allstate’s deals center around a mileage-based discount program called the Drivewise Program. Customers who use Drivewise receive a 3% discount just for signing up, and can earn as much as a 15% rate reduction for safe driving.

One thought on “BEST 5 car insurance company you should know”

  1. STATE FARM

    GIECO

    HORRIBLE INS. CO. FOOL BUY FROM SAME.

    YOU MISS LEAD STATE FARM HAD TO HIRE OWN ATTORNEY.

    SPENT AT LEAST 3X THE PRICE OF SETTLEMENT. LONG STORY.

    USAA GOOD. ONLY ONE ON LIST

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