Find the best car insurance companies for teen drivers, high-risk drivers, claim satisfaction, multi-car families, classic cars, military members, overall policy value, safe drivers, and more!
We all want the best things in life, and car insurance is no exception. But with so many different auto insurance options available, finding the company that suits you best is a tall task. We examined dozens of car insurance providers to find out which company is best.
How did QuoteWizard rank the best auto insurance companies? We conducted a customer satisfaction Survata survey of several thousand policyholders. The question we asked is pretty simple: on a scale of one to five, how satisfied are you with your car insurance company?
Everyone’s car insurance needs are different. Some people want the lowest prices, or the best coverage, or top-notch customer service. But what ultimately sets an auto insurance company apart from the others is how satisfied their customers are. According to thousands of respondents, here are the 10 companies with the highest satisfaction rating:
If you’re eligible for USAA, it’s hard to think of a reason that you shouldn’t buy car insurance from them. But that’s the catch. USAA’s policies and customer service are both top notch in part because they’re so exclusive. Only military members and their families are eligible for USAA policies. That helps keep quality up and premiums (relatively) down.
But if you’re a military member, or the family member of one, there’s a lot to like about USAA. J.D. Power consistently recognizes USAA as one of America’s best insurers. Specifically, they get top marks for award-winning customer service, top of the line claims satisfaction, and a stellar shopping experience.
Though USAA is a ‘specialty’ insurer that only insures military members, they still have all the offerings of a major carrier:
There’s really only one knock on Erie: it’s not available in every state. In fact, it’s only available in 12 states, plus the District of Columbia. If you’re one of the lucky drivers living in a state serviced by Erie, be sure to get a quote.
What sets Erie apart? First and foremost, their commitment to customer service. There’s a reason their ‘Awards’ page is chock full of industry recognition. As they state, “we're a regional insurer that ranks highly among much larger companies.”
Erie isn’t just nice to customers – they also offer comprehensive and customizable policies. Here are just a few of the features you can add to your Erie policy:
Erie also offers a Rate Lock policy feature. As the name suggests, you can lock your insurance rate in place unless you make changes to the policy. In an industry where annual rate increases are common, that’s a big positive.
And if you’re looking for discounts, Erie has you covered. They offer all the standard discounts, plus a bundling discount up to 30 percent when you buy home and auto insurance. That's higher than most competitors.
That’s right: Amica says that 94 percent of their car insurance policyholders are long-term customers. What’s keeping them around? The company receives consistently high customer service ratings from J.D. Power (including the number one spot in the New England region) and Consumer Reports. Plus, Amica earned an A+ financial strength rating from A.M. Best. They also offer all the standard car insurance discounts, including up to a multi-car discount up to 25 percent.
Their car insurance policies come with several perks:
An interesting feature unique to Amica is the option of a dividend or traditional policy. Both offer the same coverage, but a dividend policy has a few extra benefits. You pay more upfront than a traditional policy, but you save money in the long run. How? Dividend policies come with return payments – you get 5 to 20 percent of your annual premium paid back to you.
Most people know AAA for their award-winning roadside assistance, but the company also offers top quality car insurance. AAA sells insurance through different regional carriers including AAA, the Auto Club Group, CSAA, and Auto Club Enterprises.
The Auto Club group, based in Michigan and available mostly throughout the Midwest, received a 94, the fourth highest overall reader score from Consumer Report’s car insurance study. Ninth place with a reader score of 92 goes to Auto Club Enterprises, another AAA subsidiary.
AAA and their regional subsidiaries also make multiple appearances in J.D. Power’s insurance customer satisfaction study. AAA and affiliates nabbed the top spot in the Southwest, the third spot in the California, the fourth spot in the central region, for example.
What does it all mean? AAA has a massive network of agents and services backed up by excellent customer service. And their policies have extra appeal due to the numerous AAA benefits that come with a membership. Top quality roadside assistance, tons of discounts, and thousands of agents make AAA an attractive option for car insurance. That’s part of the reason why AAA has about 56 million members across the US and Canada.
If you’re a senior shopping for car insurance, look no further than The Hartford. They partner specifically with AARP to offer tailored car insurance for America’s retirees. What makes their policies so great for senior drivers? A few things:
Their policies are great for bundling, too. You can cut five percent from your auto premium and 20 percent from condo, renters, or home insurance by bundling. If you suffer a loss on both your home and car insurance, you only pay one deductible. It’s both convenient and cheaper.
Aside from appealing policy features, The Hartford also delivers on customer service. The company received a “Better than most” customer satisfaction rating from J.D. Power in many regions.
Travelers is America’s ninth largest car insurance company. Why are so many drivers choosing Travelers? First, the company offers all the standard coverage and discounts drivers expect. But a few features stand out:
State Farm is America’s largest insurer, owning nearly 20 percent of the market share. With over 65,000 State Farm employees, their extensive network of agents is a big part of the reason for their success. Every State Farm policyholder gets their own personal agent to answer questions, file claims, and tailor their policy. And State Farm scored well on J.D. Power’s customer satisfaction rankings, placing towards the top in most regions.
As the largest insurance company in the country, State Farm offers all the features you could expect, including:
American Family hits all the right marks for a top insurance company: high customer satisfaction, lots of coverage options, 24/7 claim support, a useful mobile app, roadside assistance, and more. All in all, they’re a solid car insurance company – especially if you live in the Northwest, where they won the top spot in J.D. Power’s car insurance satisfaction ranking.
They’ve got family in the name, so it makes sense many of their discounts cater to families. AmFam is also a great option for teenagers, with good grade discounts and the Teen Safe Driver program. It uses an app that tracks unsafe behavior like speeding, distracted driving, or swerving. After completing 3,000 miles or one year in the program, teens can earn a 10 percent discount. AmFam states that their program is responsible for decreasing risky driving behavior by 70 percent and increasing seat belt use to 96 percent.
Why Nationwide? For starters, solid coverage options, a sizeable selection of discounts, and accident forgiveness. We specifically like Nationwide’s ‘Vanishing Deductible’, where you can trim $100 from your deductible for every year of safe driving, for up to five years.
Nationwide is a great choice for families, too. Their family plan means that all drivers living under one roof are entitled to the same discounts, like multi-car and multi-policy discounts. They advertise that their family plan can save families up to 25 percent more than their competitors.
Teen drivers can benefit from Nationwide's good student discounts and their accident forgiveness program. Teens who get at least a B average in school are eligible for reduced rates. Nationwide's customers can add accident forgiveness, where their first at-fault accident doesn't result in rising insurance rates. This policy add-on gives teens (and their parents) a break in the event of an accident.
Who doesn’t like Flo? You probably recognize Progressive’s likeable mascot from your tv screen, computer, or elsewhere. She gets around. And she can help you get affordable car insurance. Progressive states that drivers switching to Progressive saved $668 on their annual premium.
There are a few things we like about Progressive. First, they offer tons of coverage options including:
And Progressive is good for families, too. Like Nationwide, Progressive's multi-car plan covers everyone in your home – not just relatives. Their multi-car plan discount will save drivers an average of 10 percent. Bundling your car insurance with other insurance plans can lead to significantly more discounts.
Another great way to save money is their safe driver discount. People who avoid tickets or accidents for three years qualify for a rate decrease. Progressive says that safe drivers save an average of 31 percent on car insurance.
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