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BEST CAR INSURANCE COMPANIES: BEST AUTO INSURANCE - INTRODUCTION
Being a driver can be fun. It saves time and money on commuting. In order to protect ourselves from any unexpected costs involved with driving, auto insurance comes handy.
Car insurance is your financial buffer in case of accidents. It’s a financial investment to shield you from fixed costs and liabilities. The logic with car insurance or any other insurance instruments is to think of future circumstances and seek long-term protection.
This is our best car insurance companies review of 2020. Check out our review of the best and cheapest car insurance companies of 2021.
A Look Into A Typical Car Insurance Company in the United States
Some people who would prefer face-to-face interactions would choose to talk to insurance sales agents and company representatives who can provide them a comprehensive briefing or presentation of the varied options that could be the best match for their needs. They could also look for car insurance near them and head directly to a local car insurance agent or company office around them to get an outlook, hear their recommendations, get quotes and sign up to a decent car insurance policy.
The vast majority of the car insurance companies today are available both direct online and face-to-face interactions. Clients who find it difficult to reach their physical address for a meeting can get a car insurance policy online, others can make arrangements and schedule a real live person meeting. It depends on what the clients would prefer – although the level of customer service and product lines would normally remain in the same standards.
Car insurance cost is one primary consideration when shopping for a car insurance company. Well, you always get what you pay for, but you must also consider buying auto insurance that fits your financial profile and has that coverage you need.
But what are the best auto insurance companies to insure ourselves with?
The choices may be daunting, but we have simplified it for you. We did our research, checked on honest reviews and feedback, and compiled the best car insurance companies in the United States for 2020. Let’s dive in!
Best Car Insurance Companies - Best Auto Insurance Companies: Our Review
Let’s take a look at the different companies and their specific pros and cons. We rate each company, which may help you understand why one auto insurance plan or company may be better than the others. This score is determined based on customer reviews as well as our take on whether or not the balance between the plan’s coverage, the company's service and reliability, cost and more important things to consider as drivers. Based on that you can make better auto insurance decisions.
USAA CAR INSURANCE: 9.5/10
USAA is our top car insurance company selection for 2020.
The company is one of the biggest car insurers in the United States as it serves specific clients – veterans, military, and immediate family members.
USAA car insurance quotes are among the most competitive ones in the market.
USAA is ranking as one of our top auto insurance companies thanks to their high customer satisfaction, strong financial capabilities, solid reputation, great customer service and interesting auto insurance plans.
USAA gap insurance is considered an excellent option as well.
Very easy and quick process for filing claims, and they were also consistent in providing timely updates on the status of claims.
USAA has great reviews in terms of customer service and satisfaction rate.
The only downside would be that other consumers won’t qualify for car insurance because the company only caters to a specific market of military staff and their families.
To get a low cost USAA auto insurance quote, simply follow through below and click get quotes.
Best for: General Schwartzkopf, as well as other military members, veterans and their families
Insuranks rating: 9.5/10
Visit USAA insurance company page to read customer reviews and get a free USAA insurance quote online
Root Car Insurance: 9.5/10
Root car insurance is a newcomer to the industry, however, it receives many positive feedbacks from those who gave them the chance.
Their main competitive advantage over others is their promise to provide you auto insurance rates based on how you drive.
You can do almost everything from their app.
What's cool is that to get your quote, you first have to download the app and take a test drive while the app tracks and analyses your driving behaviour over a few weeks. The better is your driving, the cheaper is your quote!
Root measures:
How fast you drive
How rough and sudden is your braking
When do you drive
How soft you turn
Their AI understands if you're the driver or the passenger, so you won't be penalized for other drivers bad driving habits when you're with them in the car.
Root does not cover high risk drivers and is known to reject many drivers based on their test drive
Having a customer base that consists of low risk drivers only allows Root to provide you with lower, cheaper car insurance premiums!
Root offers roadside assistance, rideshare feature on top of their rental coverage, free Lyft rides on specific holidays and SR-22.
Root offers discounts up to 10% off for drivers that are not using their mobile phones while driving.
Best for: MILLENIALS!
Our rating: 9.5/10
Visit Company Page & Download Root App Here
GEICO Auto Insurance: 8/10
Geico is an insurance company based in Maryland, USA, has been providing automobile, umbrella, and property insurance since 1936.
Geico car insurance - Geico is the second largest auto insurance company in the United States. Although they are a popular option, they have seen an increase in customer dissatisfaction throughout 2020. This is largely due to increased premiums and slow response times
This car insurance company has tremendously increased its dominance and market share in the car insurance industry. This is now considered to be the second-largest insurance company in the United States with a total income of $25, 483 Billion USD in 2017. (The largest auto insurance company to date is State Farm)
GEICO offers many popular plans. Among them are:
- GEICO military car insurance - GEICO offers a military discount for service members of up to 15% of your auto insurance premium.
- GEICO gap insurance
- GEICO SR22 insurance
- GEICO's non owner car insurance
- GEICO rental car insurance coverage
- GEICO commercial auto insurance (check out our best and cheapest business insurance companies list)
- GEICO full coverage car insurance
- GEICO comprehensive coverage
- GEICO classic car insurance
- GEICO home and auto multi-policy bundle discount saves you money and allows you to get affordable home and auto insurance
It's very easy to find a GEICO car insurance near you through their website or a Google search. Getting a GEICO auto insurance quote is very easy, simply go to their company page that is linked below and click through on get quotes to get a free, competitive GEICO car insurance quote online.
GEICO’S RATINGS AND REVIEWS:
Based on the reviews from the recent Customer Satisfaction Studies 2020, Geico received strong remarks and a 5-star rating.
Geico placed first in the largest shopping experience in the North Central, Northwest, and Southwest regions.
Geico is popularly known for stacking up discounts such as giving clean driving services for drivers in some states.
Veterans, federal employees, and reservists also have discount access plus a mechanical breakdown coverage to pay for their repairs and/or buying a new car.
TO FURTHER ACKNOWLEDGE GEICO’S OVERALL PERFORMANCE, CHECK THIS LIST OF ITS STRENGTHS AND WEAKNESSES BELOW:
| PROS | CONS |
|---|
Getting your online quote is simple
Competitive rates
Has its own mobile app
Offers convenient rates after claims | Receiving low-credit scores from other states
Discounts are not applicable to hybrid engines.
Increasing customer dissatisfaction |
BOTTOM LINE
Geico stands out from other insurance companies for its low service rates. The only auto insurance company that provides mechanical breakdown service intended for new cars. The said service costs $100 per year and a $250 deduction. Geico car insurance is also advisable for a couple who are just starting off a family for it helps with spending, and saving money in the smartest way possible.
Best for: Cheapest rates
Insuranks rating: 8/10
To get a free GEICO insurance quote and read how their customers have rated and reviewed them, click here.
State Farm Auto Insurance: 9/10
State Farm is the largest personal auto insurer in the United States. Known for their affordable pricing, extensive coverage, and customer care, State Farm is one of the leaders in the industry and State Farm car insurance is one of the most recommended and highest rated car insurance options. State Farm's average car insurance quotes cost is approximately $100 a month. They also deliver an excellent online experience from getting a free quote, through purchasing and to managing your policy and filing claims online.
State Farm auto insurance provide rideshare insurance as well as rental car and travel expenses coverage, which means they don’t just pay for the rental vehicle but also for meals and other costs.
State Farm car insurance offers a 50% discount depending on your miles and your adherence to safe driving.
Apart from that, they also provide a refresher driving course called “Steer Clear Driver Program,” which has savings for drivers under 25 who have successfully completed the course.
State Farm is known to always value and prioritize customers first.
Some things you should know about State Farm car insurance:
- State Farm safe driver discount: State Farm provides “Safe Driver” discounts that starts at 5% off just by signing up to their drive safe & save mobile program. That means that they will look at your driving data and slash the cost of your plan even more if you are a good and law-abiding driver.
- State Farm gap insurance is considered an excellent option, and they also offer a similar coverage called Payoff Protector if you have an auto loan on State Farm Bank.
- State Farm Car Rental: State Farm will often cover the cost of a rental car if yours is damaged.
- If you end up stranded, State Farm will pay for your accommodations.
- State Farm good student discount: State Farm also give up to 25% in auto insurance discounts for being a good student and getting good grades. These savings are eligible even after you graduate, until you reach 25 years of age.
- State Farm low mileage discount provides up to 30% auto insurance discount
- State Farm comprehensive coverage is highly rated accordingly
Best for: Customer Satisfaction
Insuranks Rating: 9/10
To get a free State Farm car insurance quote online, simply click here
Progressive Car Insurance: 9/10
Progressive is a public insurance company based in Mayfield, Ohio, founded in 1937. A company, with a total income of $30 Billion USD recorded in 2018.
They have a very firm financial profile, which means they’re a good investment instrument.
Progressive has very modern and intuitive apps and websites available for their clients to utilize online. You can file and check on claims and get other updates through the website.
Progressive also have virtual assistance, the Snapchat app, and their main app for filing claims, complaints, and other concerns.
We’re pretty certain you’ve seen some of Progressive’s catchy commercials. So how do they stack up? Progressive auto insurance ranks high on our best auto insurance companies for a good reason. They offer a wide variety of car insurance plans for experienced and seasoned drivers alike, all at very reasonable costs. Progressive direct auto insurance makes getting car insurance easier and with such financial strength, you can rest assured that Progressive direct car insurance have the ability to cover your expenses. However, they don’t offer the same wide array of add-ons (like rental car insurance) that many of the others do. Their online experience is very good which makes getting a Progressive car insurance quote online free, fast and simple and helps you find Progressive car insurance near you with a click of a button.
More from Progressive auto ins..
- Progressive gap insurance costs approximately $5 a month on average.
- Progressive full coverage car insurance includes progressive comprehensive and collision insurance coverage, as well as anything else that is mandatory in your state. A rough estimate of its cost will be $150.
- Progressive comprehensive coverage will cover you from any damages to your vehicle that were caused by theft, vandalism, fire, hitting an animal, weather conditions, acts of nature and glass breakage. You are able to determine the deductible that will be applied. Progressive comprehensive coverage costs $24 per month on average. About 80% of drivers add comprehensive to their auto insurance policy and the most selected deductible amount for comprehensive is $500.
- Progressive rental car insurance is included in your main vehicle auto insurance with Progressive, and has the same limit as your own vehicle has. Progressive's Perkshare program offers car rental discounts, among other discounts that it offers.
- Progressive commercial auto insurance is one of the best business auto insurance you can find and is considered our best one in 2020. It delivers custom coverage options for many types of businesses to match any possible need a business might have in relation to its auto insurance. Progressive commercial auto insurance cost per month was approximately $183 per month on average nationally in 2019, including both business auto insurance and contractors. However, shop around if you are looking to find cheaper commercial auto insurance options.
- Progressive good student discount is applied to auto insurance policies with a student driver on it, who averages at least "B" grades. Progressive also applies discounts for students on auto insurance policies who are in colleges which are 100 miles from their residence or further, and are 22 years old or younger.
- Progressive offers free coverage for pet injuries that occurred due to car accidents, when you have collision insurance on your Progressive auto insurance plan.
- Accessories insurance (which covers damage done to accessories on your car)
- BI
- Property damage insurance
PRODUCTS:
Auto, boat, car, golf cart, motorcycle, ATV, RV, PWC, etc
Renters, mobile home, homeowners, flood, condo, home security, home warranty
Travel, health, identity theft, pet, communication devices, vision, pet, life, wedding event, and dental
General liability, workers’ compensation, commercial auto, business owners policy, professional liability
PROGRESSIVE CORPORATION RATINGS AND REVIEWS:
Geico got a 4.5-star rating from the recent Customer studies in 2020 and received reviews such as:
Out of 8 large insurers, Progressive Corporation placed seventh in overall shopping experience.
The service features offered by Progressive Corporation depends on which State you are from.
TO FURTHER ACKNOWLEDGE PROGRESSIVE CORPORATION'S OVERALL PERFORMANCE, CHECK THIS LIST OF ITS STRENGTHS AND WEAKNESSES BELOW:
| PROS | CONS |
|---|
For the direct model, the cost is lower
Roadside assistance is available
Claim process convenience | Not all states are given discounted service
No support during disasters |
BOTTOM LINE:
Known for its competitive rates, students, safe drivers, students’ discounts, Progressive became one of the largest auto insurance companies in the United States. The snapshot service offered makes the customers even more careful and responsible drivers. Lastly, the customer services offered by its agents are very acknowledgeable and friendly.
Best for: Reliability
Insuranks Rating: 9/10
It's fairly easy to get a progressive auto insurance quote online for free, simply click here.
Farmers Auto Insurance
Farmers is an expensive car insurance company but has high approval ratings when it comes to customer satisfaction, customer service and speedy processing of claims.
Farmers offer their policyholders flexibility in car insurance options plus multi-car discounts and multi-policy discounts.
New Jersey Manufacturers Car Insurance
NJM, an insurance company located in New Jersey, USA, provides umbrella insurance, renters, condo, homeowners, workers' compensation, commercial, auto, and personal auto insurance. Its other branches are located in Pennsylvania, Maryland, Connecticut, New York, and Delaware.
NJM RATINGS AND REVIEWS
This 2020, NJM had played their cards right for being one of the top-ranked car insurance companies and received a 5 star-rating. Upon confirmation, New Jersey Manufacturers achieved high rates and reviews from customer satisfaction studies such as:
- "Among the best" - this was the most recent review from 2019's Auto Claims Satisfaction Study.
- NJM placed third out of 14 insurance companies in the mid-Atlantic region in 2020's US Auto Insurance Satisfaction Study arriving in total overall customer satisfaction.
TO FURTHER ACKNOWLEDGE THE OVERALL PERFORMANCE OF NEW JERSEY MANUFACTURERS, CHECK THIS LIST OF ITS STRENGTHS AND WEAKNESSES BELOW:
| PROS | CONS |
|---|
online policy administration
competitive rates
financially stable
familiarity with Local driving laws
good customer satisfactory experience
| It does not cover personal, mechanical, and pet issues.
only limited for New Jersey and Pennsylvania citizens.
|
BOTTOM LINE
New Jersey Manufacturers may not be open to the general public. However, it prioritizes the state and municipal workers. And, unlike other insurance companies, NJM will use only genuine parts on the vehicle of a customer if an accident took place. The rates and great discounts are given to customers also contributed to NJM's placing at the top-ranked car insurance companies
ERIE Car Insurance Review
Erie Insurance Group is an insurance company built with a network of independent insurance agents providing home, auto, commercial, and life insurance since 1925. Erie Insurance Group is located in Pennsylvania, United States. While the other independent insurance agents are located in 12 U.S State and the District of Columbia.
Based on Customer Satisfaction Studies, Erie received strong remarks such as:
Erie placed second out of a dozen mid-sized insurance companies, according to U.S Insurance Shopping Study in 2020.
Out of 14 companies, Erie got second place in the mid-Atlantic region. In the Southeast region, Erie placed second once again out of 17 companies. And lately, in the North Central region, it placed third out of 20 companies in 2020's U.S Auto Insurance Satisfaction Study.
TO FURTHER ACKNOWLEDGE THE OVERALL PERFORMANCE OF ERIE, CHECK THIS LIST OF ITS STRENGTHS AND WEAKNESSES BELOW:
| PROS | CONS |
|---|
A 12th-month premium quotes offering
Has reasonable prices
Granted multiple discounts
| Low-risk intolerance after the claim
Customers often pay costs unmatched to their selection.
|
BOTTOM LINE
Based on the auto claims satisfaction and customer experience review, Erie ranked 8th place out of 10.
Amica Insurance
Amica insurance company provides a wide variety of services, including auto, fire, home, theft, and life insurance in Lincoln, Rhode Island, United States. Amica was founded in 1907 and considered the oldest mutual car insurance company in the United States.
PRODUCTS
AUTOMOBILE INSURANCE
HOME
LIFE
UMBRELLA
CONDO
RENTERS
MARINE
WEDDING AND EVENT
SMALL BUSINESS
RETIREMENT
FLOOD
PET
AMICA RATINGS AND REVIEWS:
Based on 2020’s United States Customer Satisfaction Studies, Amica has a 5-star rating and received excellent remarks such as:
TO FURTHER ACKNOWLEDGE AMICA’S OVERALL PERFORMANCE, CHECK THIS LIST OF ITS STRENGTHS AND WEAKNESSES BELOW:
| PROS | CONS |
|---|
Amica ranked as the number 1 car insurance company in the U.S
picking your own repair shop is allowed
time-saving
other insurance services are offered in the same place
no depreciation deduction | a rate increase is experienced by some customers
local agents are not available |
BOTTOM LINE
For decades, Amica has been providing professional and great service in the United States. The advantage of being the oldest car insurance company is that customers from the very beginning share their experiences with the world and magnet more prospective regular clients for the upcoming generations.
