The Best Auto Insurance Companies

The Best Auto Insurance Companies

American Family is the top auto insurance company, and it is available in nearly every state. Besides providing competitive rates, it also offers discounts for drivers with more than one car and those who complete a defensive driving course. If you’re in the Midwest or Pacific Northwest, you can even take advantage of an app to get a quote.

Geico is another company that has a great reputation for customer service. Its website and mobile app make filing a claim simple and efficient. Customers can get assistance around the clock. The company also has strong financial ratings, and its assets are valued at $32 billion. Its claims-paying ability consistently ranks among the best, according to the J.D. Power 2021 auto claims study.

Aside from price, customer service is also an important consideration when choosing a car insurance company. Even the cheapest policy won’t make you happy if you’re dealing with an unresponsive customer service representative. The best car insurance companies are able to balance affordable rates with good service. While you may have to pay a little more for good service, it may be worth it in the long run.

Amica Mutual is consistently ranked as one of the best auto insurance companies. It consistently ranks near the top in customer satisfaction surveys and has the second-highest ranking among mid-size insurance companies in the J.D. Power 2021 U.S. Insurance Shopping Study. However, it is more expensive than many of its competitors. But Amica’s customer service and claims satisfaction ratings far outweigh its price tag. For example, its top-tier auto insurance policy includes accident forgiveness, rental-car reimbursement, and credit monitoring.

The best way to find the best car insurance company for your needs is to compare quotes. Start by comparing the coverage limits and deductibles offered by three different insurers. Ask about any discounts. Some companies give special discounts for veterans and military members. Also, be sure to ask about multi-policy discounts. Multi-policy discounts can save you up to 25%.

Progressive Insurance offers numerous discounts. It also offers a Snapshot app which allows drivers to monitor their own driving habits and earn discounts for safe driving. In addition, it offers a name your price tool that allows consumers to customize their own policies. Finally, its mobile app allows customers to review their coverage and pay their bills from anywhere.

Erie Insurance is another insurer that offers excellent basic auto insurance coverage. It also offers perks that its competitors charge extra for, like First Accident Forgiveness and a decreasing deductible. Erie also offers a Rate Lock feature that helps drivers keep their premiums constant over time. In addition, it offers 24/7 customer support and an extensive network of over 13,000 agents.

Auto-Owners Insurance also receives high marks. Its financial stability has remained steady for more than a century, according to J.D. Power. In fact, this company was ranked No. 6 among the eight largest insurers in the country. In addition to its diverse coverage options, Auto-Owners has an optional plan that forgives one accident or minor violation.