Top Five(5) Best Car Insurance Companies In The USA

The assessments, ratings, and reviews of products are impartial. We do not assign rankings or ratings to products or services influenced by our financial ties to the manufacturers. Our internal research team gathers comprehensive data that is utilized in our evaluation process, even if we might not encompass all choices present in the market.

5. Geico car insurance

Geico ranks fifth in our evaluation of the top car insurance providers, earning an overall score of 3.9 out of 5. It placed approximately in the middle for several of the categories we assessed, including customer service and claims processing, but achieved fourth place in our ratings for companies that are most likely to be recommended, as well as fourth place for the best car insurance options for seniors.

The company’s sample rates are the fifth-lowest among those we evaluated, falling below the national average. Additionally, it offers rates that undercut the national average for various driver groups included in our analysis.

Geico car insurance discounts

Geico has discounts that can help customers save on their premiums. Discounts that may be available from Geico include:

• Air bag discount
• Anti-lock brakes discount
• Anti-theft system discount
• Daytime running lights discount
• New vehicle discount

4. State Farm car insurance

State Farm earned a score of 4.0 out of 5, placing it at No. 4 in our rankings. The company ranks in the upper half of all the businesses evaluated in various categories, such as customer service, claims processing, and customer retention. The average premium offered by State Farm is higher than the premiums of six out of the ten companies we assessed and is slightly above the national average. However, its rates are lower than the national average in several specific driver categories we examined, particularly for individuals with blemishes on their driving records, such as receiving a speeding ticket, being involved in an accident, or having a DUI.

State Farm car insurance discounts

State Farm customers may be able to take advantage of discounts to help them save money, including:

• Drive Safe & Save discount (driver tracking program)
• Steer Clear discount
• Accident-free driving discount
• Defensive driving course discount
• Good driver discount

3. Nationwide car insurance

Nationwide ranks third in our assessment, achieving an overall score of 4.1 out of 5. It also holds the third position in various subcategories we examined, such as customer service, customer loyalty, likelihood of renewal, and likelihood of recommendation. In these instances, it trails only USAA and Auto-Owners, which are the top two insurers in our evaluation of the best car insurance providers.

The company garnered favorable feedback from survey participants regarding claims processing, with 59% expressing complete satisfaction with the resolution of their claims.

According to our analysis of the most affordable car insurance options, Nationwide has the fourth-lowest average rate we discovered, following USAA, Erie, and Auto-Owners.

Nationwide car insurance discounts

Potential discounts available from Nationwide include:

• Multi-policy discount
• Defensive driving discount
• SmartRide (usage-based insurance program)
• Anti-theft devices discount
• SmartMiles (based on miles driven)

2. Auto-Owners car insurance

Auto-Owners ranks second overall in our evaluation of the top car insurance providers and leads in several subcategories we examined: customer loyalty, likelihood of being recommended, and renewal likelihood. It comes in second, trailing only USAA, in all other categories we assessed, including customer service and claims management.

In our analysis, its rates are generally lower than the national average for most driver demographics, especially for teen drivers and individuals with a DUI, both of whom typically face higher insurance costs.

Auto-Owners offers car insurance policies in these states: 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.

Auto-Owners car insurance discounts

When shopping for car insurance, always remember to ask about discounts. Auto-Owners’ potential discounts include:

• Multi-policy discount
• Payment history discount
• Green discount
• Multi-car discount
• Life multi-policy discount

1. USAA car insurance

USAA ranks first in our evaluation of the best car insurance providers and is consistently among the leaders in every subcategory we examined. It secured the top position for customer service and claims processing, and also ranked first in our categories for seniors and available discounts. For customer loyalty, likelihood of recommendations, and chances of renewal, it placed second—behind Auto-Owners.

The company offers the most affordable average rates we identified, standing out as the least costly option for various driver profiles, including young adults and those with a speeding violation on their record. Check our report on the most affordable car insurance companies for insights into which insurers typically provide the lowest rates for different groups of drivers.

USAA excels in all dimensions of our ratings, but since its services are exclusively available to members, most drivers will want to consider options from other insurers included in our assessment.

USAA car insurance discounts

Like many car insurers, USAA offers potential discounts to help customers save. These include:

• Bundle and save (multi-policy discount)
• Military on-base discount
• Good student discount
• Clean driving record discount
• Safe driver discount