It can be difficult to find the right coverage when there are so many car insurance providers to choose from.
We will start by looking at the major players in the game: Allstate and Progressive, Geico, Progressive, and State Farm. They are the largest auto insurance companies in the nation. These companies hold more than 50% of the country’s market share, so they are worth looking at first if you are searching for the best car insurance.
We analyze key factors like coverage options, discounts, average auto insurance rates, tools and resources to help us judge their services. J.D. is also a source of information. Power rankings for customer satisfaction.
Compare how the different companies compare
It is important to understand the pricing structure in order to compare car insurance policies — Allstate vs. Geico, Progressive vs. State Farm. We compare the rates of different companies for different drivers. However, we also consider critical factors such as coverage, pricing, discounts and customer experience.
Allstate is the best for young and new drivers:
| Full coverage | Minimum coverage | Average cost after speeding | Average cost after accident | |
|---|---|---|---|---|
| Cost | $1,920 | $570 | $1,983 | $2,366 |
- Allstate provides all the coverage you need, including liability, medical payments and collision. You can also get protection for your vehicle’s sound system by adding an umbrella policy to your auto insurance.
- Allstate Discounts: Allstate offers discounts on your car’s safety, anti-theft, safe driving, multiple policies, smart students, and new cars. You will also be rewarded for signing up early, paying on-time, setting up automatic payments and going paperless.
- Ratings Allstate’s customer satisfaction ratings fall all over the spectrum, but most areas have low-to-average ratings. You can expect the best customer service if you live in Florida.
- Allstate is committed to making claims processing easy and offering a 100% satisfaction guarantee. Allstate’s Driverwise(r) program gives drivers personalized feedback and rewards them for driving safely.
Best for drivers looking for deep discounts: Geico
| Full coverage | Minimum coverage | Average cost after speeding | Average cost after accident | |
|---|---|---|---|---|
| Cost | $1,325 | $363 | $1,592 | $1,925 |
- Coverage options Geico offers coverage options that are almost identical to State Farms. Geico provides liability, collision and comprehensive coverage as well as medical payments for uninsured or underinsured motorists. They also offer mechanical breakdown coverage.
- Discounts – Geico offers a variety of discounts. These include discounts for safety features in your vehicle, driver’s education, and group affiliations. The provider also offers discounts for federal employees, military personnel, and a few other groups.
- Ratings Geico’s Southwest region score is 834/1000. This puts Geico in first place with American Family Insurance. Geico also performs well in other areas, including the Northeast, Northwest, North Central, and New York regions.
- Customer Experience: Geico offers a Coverage Calculator that will help you determine how much car insurance you need. Geico’s website and app allow you to access your ID cards, pay your bills, and file a claim. Geico can make so many things digitally that it is able keep costs down and pass this on to you as lower premiums.
For drivers who have a clean claim history, Progressive is the best choice
| Full coverage | Minimum coverage | Average cost after speeding | Average cost after accident | |
|---|---|---|---|---|
| Cost | $1,419 | $493 | $1,861 | $2,353 |
- Coverage options Progressive provides liability, medical payments and collision coverage. It also offers comprehensive and uninsured motorist coverage, as well as roadside assistance, rental car reimbursement, rideshare driver coverage, and roadside assistance. Progressive also offers protection for custom parts and gap insurance.
- Coupons: The Progressive’s Snapshot (r) program will help you save more for a safer driving experience. You can also get discounts for safe driver, homeowner and multi-car drivers, as well as continuous coverage, teen drivers, and multi-policy policies. You can also save money by signing up online for your quote, setting up automatic payments, and going paperless if you are comfortable using the digital system.
- Ratings The customer service level for Progressive varies depending on where it is located. Although it is ranked among the top in Texas and the Central region for customer service, it is not the highest-ranking company in New York, the Southwest and North Central.
- Customer Experience: Progressive has a deductible savings account. This means that your collision and comprehensive insurance deductibles will drop by $50 every six months you are claim-free. A Coverage Checker (r) is also available from the provider. This will highlight any gaps in your current coverage. Chat with Flo via Facebook Messenger to quickly get answers to any questions you may have about your car coverage.
State Farm is the best for drivers who have been in accidents before:
| Full coverage | Minimum coverage | Average cost after speeding | Average cost after accident | |
|---|---|---|---|---|
| Cost | $1,422 | $472 | $1,577 | $1,773 |
- Options for coverage: State Farm provides the following coverage options: liability, collision, comprehensive and medical payments. Rental car reimbursement is also available. You can also get coverage in case of an accident with an underinsured or uninsured driver. State Farm offers coverage for rideshare drivers as well as Payment Protector(r),. This is their solution to gap insurance.
- Savings: State Farm offers discounts such as Drive Safe & Save(tm), Steer Clear(r), and Steer Clear(r), which are discounts for young and new drivers. Also, discounts for being safe and sound driving and driving a car equipped with safety and anti-theft technology. Bundling multiple policies or other types can be arranged.
- Ratings State Farm has average customer satisfaction ratings. This is except for New York, New England, and the Mid-Atlantic. State Farm excels in customer service, an area where many other companies fail.
- The customer experience at State Farm is one of the most popular auto insurance companies in the country. The company offers a mobile app and nearly 18,000 agents in the country, so it’s easy to find one near you.
Factors that impact car insurance rates
These insurers will personalize your rate based on certain key factors such as:
- Wherever you live
- Which type of car do you drive?
- Driving violations and car accidents in the past
- Your gender and age
- Credit score
- Your marital status
- How much do you drive in a year?
- Your insurance claims history
Your car insurance rates can also vary depending on the amount of coverage you buy. Some choose to buy only the minimum coverage required by law. Others opt for bare bones coverage. Some people want protection in the event that their car is stolen, or if it breaks down on the sidelines. Your auto insurance policy will cost more if you add additional coverage.
Questions frequently asked
Which is the best auto insurance company?
J.D. J.D. All four companies offer online quotes to help you compare rates based on your individual circumstances and coverage requirements.
How can I ensure I have sufficient car insurance?
A coverage calculator can help you determine the amount of insurance coverage that you need to protect your vehicle. If you prefer to have a person guide you through the process of selecting coverage, each company has local or live agents.
How can I save money on my car insurance?
You can lower your premiums if you wish to pay as little for the coverage that you need. You can reduce the cost of your coverage by driving safely. Combine your car insurance and any other policies that you require (such as homeowners insurance, renters insurance), or raise your deductible if you are comfortable taking on the risk. To ensure you get the best rates, compare quotes from different car insurance companies.