The Greatest Automobile Insurance coverage Firms for April 2022

The most effective automobile insurance coverage firms give their clients extra than simply protection they need at an affordable worth. Additionally they present a customer-first expertise from quote to assert, together with a headache-free technique to handle insurance policies and make funds.

How we ranked the highest auto insurers: NerdWallet’s editorial group thought-about pricing, reductions, grievance knowledge from the Nationwide Affiliation of Insurance coverage Commissioners and extra to find out one of the best automobile insurance coverage firms. Our “ease of use” class consists of components similar to web site transparency and the way simple it’s to file a declare. As we proceed to judge extra insurance coverage suppliers and obtain recent market knowledge, this listing of greatest auto insurance coverage firms is more likely to change.

Why you possibly can belief NerdWallet: Our writers and editors comply with strict editorial tips to make sure equity and accuracy in our protection so you possibly can select the insurance coverage coverage that works greatest for you. These provider scores are particular to auto insurance coverage — an organization’s ranking for different merchandise could also be completely different on our website. See our standards for evaluating auto insurance coverage firms.

The next firms acquired 4.5 or 5 stars out of 5 in NerdWallet’s evaluation of one of the best auto insurers within the U.S.

Nerdy tip: American Household actually shines relating to reductions, with financial savings for insuring a number of automobiles, finishing a defensive driving course and having a scholar away in school.

Insurance policies out there in: 19 states, primarily all through the Midwest and Pacific Northwest.

Professionals: American Household presents a variety of reductions and plenty of protection varieties.

Cons: American Household insurance policies aren’t out there in all states.

Firm overview: In J.D. Energy’s 2020 buyer satisfaction research (the latest out there), American Household ranked third amongst a dozen midsized insurers for satisfaction with the insurance coverage purchasing expertise and tied for first place for general satisfaction within the Southwest area. J.D. Energy ranked American Household ranked No. 17 out of 24 firms for auto insurance coverage claims satisfaction in 2020.

American Household presents a variety of reductions to drivers in some states, together with for loyalty, finishing a defensive driving course and for college kids away in school. The corporate additionally has apps to observe driving, permitting good drivers to earn reductions.

Nerdy tip: Individuals who want a number of insurance coverage insurance policies might profit from the comfort and reductions of bundling them with Auto-House owners, which has many protection choices and few buyer complaints.

Insurance policies out there in: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia and Wisconsin.

Professionals: Auto-House owners has fewer complaints when in comparison with different firms and presents all kinds of merchandise with the chance to bundle.

Cons: The corporate solely sells insurance policies in 26 states.

Firm overview: In J.D. Energy’s 2020 research, Auto-House owners ranked fifth amongst 12 mid-sized insurers for buyer satisfaction relating to insurance coverage purchasing and first for general satisfaction within the Central area. Auto-House owners ranked No. 3 out of 24 firms for buyer claims satisfaction in 2020.

Auto-House owners has an app to trace your driving. Good drivers can get a reduction for avoiding arduous braking and sharp turns, together with different secure behaviors.

Nerdy tip: NJM is considered one of a handful of insurers with a five-star ranking, providing among the most cost-effective automobile insurance coverage charges on common. Nevertheless, its insurance policies can be found solely in 5 states.

Value: Cheaper than common.

Insurance policies out there in: Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.

Professionals: NJM has excessive buyer satisfaction scores and low buyer complaints. New Jersey policyholders might also obtain dividend funds.

Cons: Insurance policies aren’t out there in lots of states. NJM clients additionally don’t have entry to a cellular app to handle their coverage.

Firm overview: New Jersey Producers Insurance coverage (NJM) will get excessive scores in J.D. Energy’s research of buyer satisfaction. It is ranked No. 1 in “Among the many greatest” within the 2020 Auto Claims Satisfaction Research. It is also ranked third amongst 14 insurers within the mid-Atlantic area within the 2020 U.S. Auto Insurance coverage Satisfaction Research, which measures general buyer satisfaction.

You will get all the usual auto coverages from NJM, together with extras together with new automobile substitute protection for automobiles with fewer than 15,000 miles and pet protection, which pays for vet payments if they’re injured in a coated automobile accident. You may as well add hole insurance coverage to assist repay your automobile mortgage in case your car is stolen or totaled.

Nerdy tip: Excessive marks for buyer satisfaction and quite a few reductions make Amica an incredible alternative for many drivers.

Insurance policies out there in: Each state however Alaska and Hawaii.

Professionals: Amica has excessive buyer satisfaction scores and low shopper complaints. It additionally presents many coverage perks and reductions.

Cons: Amica might deny protection to some individuals deemed dangerous by the corporate.

Firm overview: In J.D. Energy’s 2020 research, Amica ranked first for general satisfaction within the New England area and eighth amongst 12 midsized insurers for insurance coverage purchasing satisfaction. J.D. Energy additionally ranked Amica second-highest for general auto claims satisfaction in 2020.

Should you do should undergo the claims course of, you could not even see a rise in your charges. Clients who go for sure upgrades can earn “Benefit Factors” for good driving, renewing a coverage and referring different drivers. These factors can be utilized to maintain your present fee after an accident. Amica additionally presents free glass restore, free lock substitute and free airbag restore after deployment.

Nerdy tip: Progressive’s buyer satisfaction scores aren’t as excessive as different firms’, but it surely presents sufficient reductions and insurance coverage merchandise to accommodate most individuals. It additionally has few buyer complaints.

Insurance policies out there in: All 50 states and Washington, D.C.

Professionals: Progressive, one of many largest insures within the nation, presents distinctive perks similar to pet damage insurance coverage in most states in the event you purchase collision insurance coverage.

Cons: Progressive has a beneath common ranking for automobile insurance coverage purchasing, in keeping with J.D. Energy’s buyer satisfaction survey.

Firm overview: Progressive has completely different options and choices relying in your state. Among the extra fascinating additions embody pet damage safety, which is included with collision protection, and a deductible “financial savings financial institution,” which knocks your deductible down by $50 every claim-free coverage interval to a minimal of $0.

In J.D. Energy’s 2020 U.S. Insurance coverage Buying Research, Progressive ranked seventh out of eight massive insurers for buyer satisfaction. J.D. Energy rated Progressive No. 21 out of 24 firms for buyer satisfaction relating to its claims course of in 2020.

Nerdy tip: With beneficiant protection and reductions for good driving habits, State Farm is a well-liked insurer with higher buyer satisfaction scores in comparison with different massive rivals.

Insurance policies out there in: You should buy a State Farm auto insurance coverage coverage in all states aside from Massachusetts and Rhode Island, the place it doesn’t promote new insurance policies. You may as well purchase a automobile insurance coverage coverage in Washington, D.C.

Professionals: State Farm’s buyer satisfaction scores for buying auto insurance coverage are higher than common, in keeping with J.D. Energy. The corporate additionally presents quite a few reductions, together with two applications — one for secure driving and the opposite for younger drivers.

Cons: State Farm had extra complaints than anticipated for an organization of its dimension.

Firm overview: The most important private auto insurer within the nation, State Farm ranked third amongst eight massive insurers in J.D. Energy’s 2020 U.S. Insurance coverage Buying Research. The identical 12 months, it ranked first for general satisfaction in New York and the mid-Atlantic area and No. 6 out of 24 firms for buyer claims satisfaction.

The corporate presents reductions to drivers in some states for having a number of automobiles, being a great driver and having a scholar away in school. State Farm has a secure driving app that may stay in your cellphone or by way of OnStar. You possibly can earn a reduction by following the foundations and driving sensibly.

Nerdy tip: One of many largest auto insurers within the nation, Vacationers presents a broad vary of protection choices and reductions that can assist you customise your automobile insurance coverage coverage.

Insurance policies out there in: Forty-two states and Washington, D.C. (Not out there in Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Dakota, West Virginia and Wyoming.)

Professionals: Vacationers has fewer buyer complaints than the median and presents many protection choices for auto insurance coverage.

Cons: Vacationers’ buyer satisfaction scores are beneath common.

Firm overview: Vacationers presents potential reductions in some states for utilizing the corporate’s telematics program, a system that tracks your driving. Elective plans supply forgiveness for one accident and one minor violation so your charges don’t go up after an incident.

In J.D. Energy’s 2020 examine, Vacationers ranked eighth amongst eight massive insurers for buyer satisfaction relating to shopping for insurance coverage. Vacationers ranked No. 19 out of 24 firms for buyer claims satisfaction in 2020.

Nerdy tip: Auto Membership Group insurance coverage is mostly out there solely to members, however the perks and reductions may make becoming a member of price it.

Insurance policies out there in: Florida, Georgia, Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, North Carolina, North Dakota, South Carolina, Tennessee and Wisconsin. Auto Membership Group might not cowl all counties in every state.

Professionals: Auto Membership Group has few shopper complaints.

Cons: To get insurance coverage from Auto Membership Group, you want a AAA membership.

Firm overview: With all kinds of reductions and much fewer complaints for auto insurance coverage than different firms its dimension, the Auto Membership Group is an effective possibility for a lot of drivers. Earlier than you may get protection, nonetheless, you’ll must turn out to be a AAA member. When you be a part of, you’ll have entry to AAA’s perks, together with reductions on motels and eating places.

Auto Membership Group presents loads of auto insurance coverage choices, similar to rideshare insurance coverage and unique tools producer protection, which pays for substitute components from the producer, fairly than aftermarket components, in the event you’re in a coated crash.

Not like some AAA insurers, the Auto Membership Group has an app the place you possibly can handle each your automobile insurance coverage coverage and AAA membership.

Nerdy tip: Nationwide’s low variety of complaints and in depth protection choices make it a stable alternative for a lot of shoppers.

Insurance policies out there in: You will get a Nationwide auto insurance coverage coverage in all states besides Alaska, Hawaii, Louisiana and Massachusetts. The corporate plans to promote Massachusetts insurance policies in 2022.

Professionals: Nationwide has fewer complaints than anticipated and presents all kinds of choices for patrons who wish to purchase a number of merchandise from one firm.

Cons: Buyer satisfaction for auto insurance coverage is decrease than common, in keeping with latest J.D. Energy research.

Firm overview: Nationwide, one of many largest insurers within the nation, sells all kinds of merchandise for patrons who wish to bundle insurance policies. The corporate boasts few complaints and presents non-obligatory extras similar to accident forgiveness and vanishing deductible.

Nationwide additionally presents pay-per-mile insurance coverage, which determines your fee based mostly on what number of miles you drive. You may as well earn a reduction based mostly in your driving habits, which is tracked by way of Nationwide’s SmartRide app.

Nerdy tip: Chubb doesn’t give attention to low cost insurance coverage, however fairly caters to principally high-net-worth households, offering beneficiant protection choices and perks that aren’t often out there from different insurers.

Insurance policies out there in: All 50 states and Washington D.C.

Professionals: Chubb presents beneficiant protection and perks for high-end clients. It additionally acquired far fewer complaints than anticipated for an auto insurance coverage firm of its dimension.

Cons: The corporate doesn’t give attention to offering low cost insurance coverage.

Firm overview: Chubb Insurance coverage isn’t attempting to be the most cost effective automobile insurer — it’s attempting to be the automobile insurer that delivers distinctive service. Rental reimbursement comes with a whopping $15,000 restrict. Protection pays for repairing your automobile with unique manufacturer-made components, for these automobiles that want simply the fitting imported piece. You possibly can even get extra-high legal responsibility limits, as much as $10 million.

Nerdy tip: One of many nation’s largest insurers, Farmers presents loads of methods to customise your insurance policies and extra reductions than most different insurers.

Insurance policies out there in: Forty-two states (Not out there in Alaska, Delaware, Hawaii, Maine, Rhode Island, New Hampshire, Vermont, West Virginia and Washington, D.C.)

Professionals: Farmers presents quite a few reductions and has fewer complaints than anticipated.

Cons: Farmers doesn’t supply automobile insurance coverage in all states.

Firm overview: Farmers Insurance coverage ranks seventh on the listing of the biggest automobile insurance coverage firms within the U.S.

In J.D. Energy’s 2020 U.S. Insurance coverage Buying Research, Farmers ranked sixth amongst eight massive insurers for buyer satisfaction. J.D. Energy rated Farmers No. 10 out of 24 firms for buyer satisfaction relating to its claims course of in 2020.

You will get reductions for constructing a number of insurance policies, being a great scholar and being a member of some skilled teams.

Nerdy tip: Nation Monetary has few buyer complaints for auto insurance coverage, however is obtainable in solely 19 states.

Insurance policies out there in: Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington and Wisconsin.

Professionals: Nation Monetary has fewer complaints than anticipated for auto and life insurance coverage.

Cons: Insurance policies aren’t out there in all states.

Firm overview: Nation Monetary might have began out as a farm and crop insurer, however now presents a big selection of merchandise similar to enterprise, boat and bike insurance coverage. As well as, it acquired far fewer buyer complaints for auto insurance coverage than similar-sized firms.

Along with quite a lot of reductions, it additionally offers clients a chance to save lots of based mostly in your driving habits by way of its app, DriverIQ. Drivers who enroll earn an automated low cost, and driving habits received’t enhance charges.

Nerdy tip: Mapfre’s auto insurance coverage presents quite a lot of protection and reductions, and the corporate boasts low auto complaints to state regulators, however insurance policies can be found in solely eight states.

Value: Mapfre doesn’t disclose fee filings.

Insurance policies out there in: You will get a Mapfre auto insurance coverage coverage in California, Maine, Massachusetts, New Hampshire, Ohio, Rhode Island, Vermont and Washington. Mapfre additionally sells insurance policies in Puerto Rico.

Professionals: Mapfre presents many protection choices and reductions. It additionally presents its web site in each English and Spanish.

Cons: Mapfre has a below-average ranking for auto insurance coverage claims satisfaction. It additionally does not promote insurance policies in all states.

Firm overview: Mapfre might not promote insurance policies in each state, however it’s the greatest auto and residential insurance coverage supplier in Massachusetts and has far fewer complaints about auto insurance coverage than different firms its dimension.

As well as, the insurer presents extras similar to accident forgiveness and the flexibility to purchase a bundle with further protection for objects similar to your laptop computer and cell phone. This bundle is just not out there in all states.

Headquartered in Spain, Mapfre’s web site is obtainable in each English and Spanish. You may as well use the Mapfre app to view your coverage, make funds and submit claims.

Nerdy tip: With beneficiant reductions and loads of protection choices, this auto insurance coverage big is price a glance.

Insurance policies out there in: All 50 states and Washington, D.C.

Professionals: Allstate presents numerous protection choices, together with accident forgiveness, new automobile substitute and a safe-driving bonus each six months. It additionally presents rideshare insurance coverage in lots of states.

Cons: Buyer scores are beneath common for auto insurance coverage claims satisfaction in contrast with different firms.

Firm overview: In J.D. Energy’s 2020 research, Allstate ranked above common for buyer claims satisfaction. The insurer additionally ranked first for general satisfaction in Florida.

Allstate presents reductions for drivers in some states who use the corporate’s telematics program — a system that tracks how safely you drive. You will get reductions for being a great scholar, driving a brand new automobile and going paperless. Allstate additionally offers you a reduction in your deductible in the event you join the non-obligatory deductible rewards program, chopping down in your out-of-pocket bills whenever you’re in an accident.

Nerdy tip: With nationwide availability and quite a lot of reductions, Geico is a well-liked and sometimes reasonably priced alternative for automobile insurance coverage. Among the many nation’s 4 largest insurers, Geico stands out as having the most cost effective annual charges on common and the smoothest on-line expertise for customers.

Value: Cheaper than common.

Insurance policies out there in: All 50 states and Washington, D.C.

Professionals: Geico ranked above-average in buyer satisfaction for auto insurance coverage claims in a latest J.D. Energy examine. It additionally presents a sturdy web site and cellular app, in addition to a big selection of reductions.

Cons: Does not supply hole or rideshare insurance coverage and has a restricted community of native brokers.

Firm overview: Some of the well-liked automobile insurance coverage firms within the U.S., Geico stacks up the reductions, giving drivers in some states a couple of bucks off for every part from clear driving information to good grades. Federal staff additionally get reductions, as do veterans, energetic navy and reservists. As for protection, you may get all of the fundamentals plus mechanical breakdown protection, which helps pay for repairs to newer automobiles with fewer miles.

In J.D. Energy’s 2020 buyer satisfaction research, Geico ranked first amongst massive insurers for the insurance coverage purchasing expertise and first (or tied for first) for general satisfaction within the North Central, Northwest and Southwest areas.

Nerdy tip: Liberty Mutual offers sturdy digital instruments on its web site and app, and presents extra reductions than most different insurers.

Value: Liberty Mutual doesn’t disclose fee filings, however in earlier years it was dearer than common.

Insurance policies out there in: All 50 states and Washington, D.C.

Professionals: Liberty Mutual presents many kinds of protection and reductions, together with a number of sturdy digital instruments.

Cons: Liberty Mutual’s auto claims satisfaction ranking is beneath common.

Firm overview: Out of the six largest insurance coverage firms, Liberty Mutual is the one one to supply each hole insurance coverage and new automobile substitute protection, which pays for the price of a brand new automobile if it’s totaled within the first 12 months and has lower than 15,000 miles. Liberty Mutual additionally offers a singular profit for academics, who can obtain free auto insurance coverage similar to collision and private property insurance coverage and vandalism loss safety in sure states.

Amongst massive insurers, Liberty Mutual presents extra reductions than anybody apart from American Household. For instance, drivers can save by paying their invoice on-line, driving a hybrid or electrical car, and proudly owning a house.

Liberty Mutual ranked fifth out of eight massive insurers for buyer satisfaction in J.D. Energy’s 2020 U.S. Insurance coverage Buying Research. The insurer ranked No. 14 out of 24 firms for buyer claims satisfaction the identical 12 months.

Pricing and reductions made up a portion of every insurer’s rating, however we all know that price is the highest issue for a lot of auto insurance coverage customers. Since pricing is predicated on private components together with your age, location, car, credit score historical past and gender (usually), it’s necessary to buy round for automobile insurance coverage quotes to seek out the most cost effective possibility.

It’s possible you’ll discover that your purchasing expertise additionally sheds gentle on an organization’s customer support requirements.

To seek out the highest automobile insurance coverage firms:

• Go to your state insurance coverage commissioner’s web site to seek out complaints and different details about firms in your space.

• Ask your agent or a customer support consultant inquiries to be sure you’re getting all of the protection you want — and nothing you don’t need.

• Think about smaller auto insurance coverage firms, too. Small firms supply charges properly beneath massive rivals in lots of areas.

• Should you’ve had a ticket, DUI or different violation, you’ll want to store three and 5 years after the incident, when surcharges can drop considerably.

While you’re on the lookout for one of the best automobile insurance coverage firm, take into account that location can have a big effect in your auto insurance coverage charges. It is because every state has completely different insurance coverage necessities.

To offer you a greater concept of what you may pay in every state, NerdWallet analyzed full protection insurance coverage charges for 35-year-old drivers with good credit score and no latest accidents, DUIs or site visitors violations.

The map beneath reveals the typical annual automobile insurance coverage fee in every state. For extra info, together with the most cost effective insurer on common from every state, go to the state web page linked within the map.