What Are The Best Car Insurance Companies?
Now that you’ve had a chance to see what are the cheapest car insurance companies, it’s time to look at another side of the coin. Namely, the best insurance companies, based on overall customer satisfaction and reviews. While saving money is certainly important, some customers would rather pay a little extra in return for a higher level of customer experience, financial strength, etc.
Let’s take a quick look!
| Company | Insuranks Rating | Average Monthly Quote | Best For |
|---|
Progressive
| 4.8/5
| $63
| Coverage standards and high-risk drivers
|
| USAA | 4.75/5 | $34 | Military families |
| GEICO | 4.5/5 | $40 | Cheapest car insurance quotes if you're not in the army |
| State Farm | 4.5/5 | $52 | Peace of mind |
| NJM | 4.5/5 | $79 | Best car insurance for DUI in NJ, PA, CT and OH |
| Amica | 4.5/5 | $100 | Customer satisfaction |
| Travelers | 4.5/5 | $100 | Tailored car insurance policies at affordable rates |
| Erie | 4.1/5 | $87 | New Drivers
|
Gabi
| 4/5 | $60 | Online auto insurance comparison marketplace (agency) |
#1 - Progressive Car Insurance: 4.8/5
Progressive is the 3rd largest car insurance provider in America and has ranked as our #1 best car insurance company on all aspects (see below).
Read more:
PROS
- Excellent coverage as standard
- Unbelievable choice of options
- Brilliant range of online resources, including the quote tool
CONS
- Not the best option for high risk drivers
BEST FOR: Setting fantastic standards for any type of coverage, as long as you are not a driver of high risk.
We used 1-5 scale ratings:
- 5: Excellent
- 4: Good
- 3: Fair
- 2: Bad
- 1: Very bad
| Parameter | Rating |
|---|
| Time | 5 |
| Online | 5 |
| Phone | 5 |
| Face to face | 5
|
| Rates | 5
|
| Coverage | 5 |
| Choice | 5 |
| Speed | 5 |
| Savings | 5 |
| All States | 5 |
| High Risk | 3 |
| Ease | 5
|
#2- USAA: 4.75/5
Are you surprised to see USAA ranked in our top three cheapest and best list? Well, you shouldn’t be. The reason that USAA is ranked among the cheapest insurers in the nation is the same reason they’re ranked among the best overall insurers in the nation- their focus on catering to military personnel.
USAA only has around 12.8 million members, which is less than half of what Statefarm and Geico have. However, their smaller client base allows them to provide more personal, friendly, and complete service to their policyholders. If you’re in the military (or have a military spouse) then you and your kids are eligible to be insured!
#3- Amica Mutual Insurance: 4.5/5
Amica Mutual Insurance is a mid-size insurer and is actually the oldest automobile insurance provider in the United States! Founded in 1907, Amica Mutual has been in business for well over a century, rank #3 with a 4.5/5 rating on our test, has an ‘A+’ ranking by the Better Business Bureau, and a 4.6/5-star rating by Bankrate, one of the leading financial journals in the country.
Amica Mutual is known for providing high-end service to its policyholders and offers a number of additional auto insurance benefits that most other insurers don’t offer, including:
Free airbag repairs
Free lock repair and re-keying
Free repair of damaged auto glass
Compensation for time spent in court claims
Up to $1,000 towards bail bonds
#4- Erie Insurance: 4.1/5
Like Amica Mutual Insurance, Erie Insurance is another mid-sized insurer. The average cost for a six-month policy is just $195, which also makes it one of the cheapest insurers as well! The one drawback of Erie Insurance is that they currently only serve twelve states.
If you do live in one of the twelve states that are covered by Erie Insurance, though, we definitely recommend checking them out. The company has won numerous awards for its commitment to equality both in the workplace, overall customer service, and the opportunities they provide minority customers with.
Another provider (not a company) worth noting is digital auto insurance marketplace Gabi, that scored 4/5 on our review thanks to delivering some of the better rates and customer experience in the industry.
