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Best car insurance companies for November 2022

Bankrate's proprietary research method revealed that USAA, Clearcover and Geico are among the best car insurance companies in 2022. Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Amy Sims is a managing editor for Bankrate, leading a team responsible for creating educational insurance content. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Updated Nov 04, 2022 Compare car insurance rates Answer a few questions to discover real rates from top-tier carriers in your area. Your information is secure Compare rates Compare offers from top carriers + MORE how it works Caret Down Tell us a little about yourself We'll only ask for info we're confident will impact your rate. That way, we can provide you with the most accurate and personalized offers. Choose which policy is best for you Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you'd like. Lock in your rate and policy details Once you're confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that's it! Book What to know first Menu List On this page Bankrate logo The Bankrate promise At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC

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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life's financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We're transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.

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What To Know First

Collapse Caret Up Bankrate's content team - which includes four licensed insurance agents with a combined 47 years of insurance industry experience - researched 122 car insurance companies to find the best of the best. Our experience in the car insurance industry helped us develop a proprietary Bankrate Score research method, which ranks companies across a number of categories for a total possible score of five points. This analysis takes into account four main categories: Average rates obtained from Quadrant Information Services Third-party customer satisfaction scores and financial strength ratings Online and digital policy management State availability and eligibility requirements We chose these metrics to provide a well-rounded review of each company so drivers can know where to start their search for the best car insurance company. Our review also highlights standout discounts with each company to help drivers know how to maximize their premium savings when car insurance costs keep rising. Keep in mind, though, that discount percentages and eligibility requirements vary based on state regulations, driver profiles and company. The best car insurance companies: Collapse

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The best car insurance companies in November 2022

Our extensive research revealed that these 11 insurers are some of the best car insurance companies available: Full coverage Minimum coverage Insurance company Average monthly premium Average annual premium What it may be best for Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $101 Average annual premium $1,209 What it may be best for Best overall Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium N/A Average annual premium N/A What it may be best for Digital capabilities Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $108 Average annual premium $1,297 What it may be best for Driving incidents Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $116 Average annual premium $1,397 What it may be best for Best overall Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $121 Average annual premium $1,447 What it may be best for Personalized coverage Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $110 Average annual premium $1,321 What it may be best for Robust coverage Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $125 Average annual premium $1,495 What it may be best for Claims satisfaction Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $115 Average annual premium $1,383 What it may be best for Coverage on a budget Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $130 Average annual premium $1,561 What it may be best for Digital policy management Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $109 Average annual premium $1,305 What it may be best for Discounts Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $203 Average annual premium $2,438 What it may be best for High-value cars Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Insurance company Average monthly premium Average annual premium What it may be best for Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $30 Average annual premium $354 What it may be best for Best overall Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium N/A Average annual premium N/A What it may be best for Digital capabilities Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $30 Average annual premium $365 What it may be best for Driving incidents Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $38 Average annual premium $456 What it may be best for Best overall Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $40 Average annual premium $477 What it may be best for Personalized coverage Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $40 Average annual premium $476 What it may be best for Robust coverage Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $37 Average annual premium $444 What it may be best for Claims satisfaction Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $46 Average annual premium $549 What it may be best for Coverage on a budget Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $45 Average annual premium $542 What it may be best for Digital policy management Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $27 Average annual premium $325 What it may be best for Discounts Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average monthly premium $47 Average annual premium $558 What it may be best for High-value cars Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. *Clearcover overall standing affected by limited data availability.

How Bankrate picked the best auto insurance companies

Generate a 4.0 or higher Bankrate Score Earn a J.D. Power claims satisfaction score within 20 points of the industry average or higher in the 2021 U.S. Auto Claims Satisfaction Study Carry an "Excellent" or "Superior" financial strength rating from AM Best Have a strong digital presence with a consumer-friendly mobile app or digital policy management features Are deemed by Bankrate to be the best in a particular market category Clock Wait 47 years of industry expertise Search 122 carriers reviewed Dollar Coin 2M quotes analyzed Location 34.5K zip codes examined

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, , , and Moodys had the most impact on the companies' Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

The top 11 car insurance companies

Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Earning a high Bankrate Score, USAA easily makes our list of best insurance companies. The company is a top scorer in J.D. Power customer satisfaction surveys, has impeccable ratings with several financial strength rating institutions and provides some of the lowest-priced auto insurance quotes in the industry. However, USAA is only available to active-duty military, veterans and their eligible family members. Why USAA is best overall for car insurance: USAA earns top marks from all major third-party rating agencies for customer service and financial strength. Coupled with having a lower-than-average full coverage premium on our list, USAA is a powerhouse. Customers can access multiple coverage options, benefits and discounts, including unique circumstances like deployment for active-duty members. While not all drivers qualify for coverage from USAA, the company is a standout for millions of military families across the country. Pros and cons CheckmarkPros Excellent J.D. Power customer service scores Superior AM Best financial strength rating Low average rates Military-focused coverage options Offers a telematics program called SafePilot Close XCons Available to military, veterans and immediate family members Fewer specialty coverage options than other carriers Only digital and over-the-phone access for policy and claims management SafePilot is not available in all states Lower-than-average digital shopping score from J.D. Power USAA standout discounts SafePilot telematics Military installation Bundle and Save Premier driver discount Member loyalty Answer a few questions to see personalized rates from top carriers Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: - Avg. annual premium for minimum coverage: Avg annual premium for full coverage: Company overview Why this company made our list: Clearcover's technology-driven car insurance reinvents the insurance landscape, making it a clear contender for drivers seeking the best modern auto insurance experience compared to other car insurance companies. The insurtech company's digital approach allows it to compete with traditional auto insurers. Why Clearcover is best for digital presence: The carrier revamps how car insurance is quoted, managed and serviced by using artificial intelligence-based digital tools. Clearcover's highly-rated mobile app puts managing policies in users' hands; its streamlined digital approach enables Clearcover to pay most auto claims in less than a week, with some eligible for same-day processing. Its claims process is much faster than industry standards. Although only available to drivers in 20 states, Clearcover is disrupting the auto insurance market by putting technology in the spotlight. Pros and cons CheckmarkPros Cutting-edge technology Fast and easy online car insurance quotes available Fast claims processing (current record: 7 minutes) Coverage Wizard tool can help you determine your needs Support is available in an online help center, online chat or by phone Close XCons Only available in 20 states Limited data regarding customer satisfaction Higher-than-average NAIC complaint index for private passenger auto product No local agents available Only sells auto insurance Clearcover standout discounts Military personnel Answer a few questions to see personalized rates from top carriers Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Geico's long history as a trusted, household-name auto insurer is reflected in its high Bankrate Score and is one of the reasons we included it as a top company. Coverage is available for virtually every type of driver, making its car insurance coverage accessible even for consumers with blemished driving histories. Why Geico is best for driving incidents: Geico is one of the few top auto insurance companies that write policies for drivers even after high-risk incidents, such as DUI convictions. While high-risk policies are generally more expensive, a high-risk driver may also have a harder time finding coverage, especially from major car insurance companies. Geico is an easily-accessible option for most drivers. Pros and cons CheckmarkPros Typically available to high-risk drivers Highly-rated digital app and mobile tools Offers an array of discounts Lower-than-average rates for most driving profiles Offers a telematics program called DriveEasy Close XCons Customer service scores vary by region Fewer coverage options than most competitors Fewer in-person local agents compared to other car insurance companies Fewer additional products offered when compared to other carriers Additional products are underwritten by third parties Geico standout discounts Emergency deployment DriveEasy Vehicle equipment Military Membership and employee discounts Answer a few questions to see personalized rates from top carriers Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: As the largest national auto insurer based on market share, State Farm's reach and reputation highlight the carrier as one of the best auto insurance companies for drivers in most states. Its extensive local agent network showcases its customer-first approach to providing consumers with various personal and commercial insurance products. Why State Farm is best overall for car insurance: State Farm boasts over 19,000 licensed insurance professionals, available in communities across the U.S., who can offer guidance to those who value expert insight when discussing their policy. Digital management options allow for an on-the-go approach, including a highly-rated mobile app where you can file auto claims and contact your agent. Pros and cons CheckmarkPros Large network of exclusive local agents Superior financial strength Steer Clear teen driver program could help young drivers save Offers a telematics program called Drive Safe & Save Above-average J.D. Power claims satisfaction score Close XCons May not be available to high-risk drivers Higher-than-average NAIC complaint index score Not sold in all 50 states Accident forgiveness must be "earned;" cannot be purchased Auto policies are generally six-month terms, meaning rates could increase twice a year State Farm standout discounts Passive restraint Drive Safe & Save Multi-line Steer Clear Good student discount Answer a few questions to see personalized rates from top carriers Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Travelers has over 150 years of experience in the auto insurance industry. Its strong independent agent network, numerous endorsement options, robust savings opportunities and proven financial track record make it a worthwhile option for drivers nationwide. Why Travelers is best for personalized coverage: Travelers offers many ways to personalize coverage to specific needs. Options like new car replacement, accident forgiveness, rideshare coverage and may increase premiums but also provide increased financial protection for a broader range of incidents. Customers do not as highly rank travelers' claims satisfaction compared to other companies Bankrate analyzed, which may be worth considering. Pros and cons CheckmarkPros National independent agent network Competitive discounts Numerous policy options Superior AM Best financial strength rating Lower-than-average Close XCons Lower-than-average J.D. Power claims satisfaction score Ridesharing coverage is only available in Colorado and Illinois Below-average digital shopping and service scores from J.D. Power Only available in 42 states and Washington, D.C. Higher-than-average overall NAIC complaint index Travelers standout discounts Multi-policy Hybrid/electric car Early quote New car discount Early shopper discount Answer a few questions to see personalized rates from top carriers Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Erie is on our best auto insurance companies list because this regional insurer is generous with optional coverage types and scores competitively across all third-party agencies we reviewed. Erie also offers discount advantages and competitive rates for young drivers, who normally see the highest rates of all driver age groups. Erie's high Bankrate Score contributes to its position among the best auto insurance companies for 2022, although coverage is unavailable nationally. Why Erie is best for robust coverage: Erie includes coverage types and features in its that many competitors offer as optional add-ons. Drivers may benefit from adding accident forgiveness and Erie's Rate Lock feature, which could help keep premiums consistent over time. While only available in 12 states, the company provides robust coverage and a strong claims experience for drivers in its service areas. Pros and cons CheckmarkPros Rate Lock feature could help keep premiums steady Highly-rated customer service Lower-than-average full coverage rates for teen drivers Lower-than-average full coverage rates for drivers with driving incidents Numerous coverage options available Close XCons Coverage only available in 12 states Below-average ranking for digital service experience Digital tools are more limited than other carriers No online claim filing May need to contact an agent for most policy changes Erie standout discounts Erie Rate Lock Multi-policy Youthful driver Diminishing deductible First accident forgiveness Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Amica's exceptional claims service and customer-centric business model make it a standout choice for drivers seeking the best auto insurance company, based on Bankrate's analysis. You can learn more about Amica at or by calling (800) 242-6422. Why Amica is best for claims satisfaction: Amica ranked above average in the latest J.D. Power claims satisfaction study; the company's online claim center allows customers to easily report a claim, upload supporting documents and track the claim's process with a few simple clicks. Its customer representatives are also available to support policyholders 24/7. Pros and cons CheckmarkPros Higher-than-average J.D. Power claims satisfaction score Platinum Choice auto package offers robust coverage options Unique optional dividend policies are available Lower-than-average rates Live chat option available online Close XCons No ridesharing coverage option is available Not available in Hawaii Below-average digital shopping and service score from J.D. Power Higher-than-average NAIC complaint index for private passenger auto product Higher-than-average rates when insuring a 16-year-old driver Amica standout discounts Bundling Multi-car Loyalty Legacy Anti-theft Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Nationwide's options to tailor coverage based on personal needs and its low average premium solidify it as a top auto insurance company for 2022, based on Bankrate's research. With near-nationwide availability and a website full of useful insurance information, Nationwide makes it easy to build a policy for your needs. Why Nationwide is best for coverage on a budget: Nationwide's average annual premium is well below the national average. Additionally, the carrier's and SmartMiles telematics programs can help you either earn a discount based on your safe driving habits or provide a flexible premium based on your vehicle usage, respectively. Optional coverage is not as plentiful as some other auto insurers on our list, but personalized options offer valuable control over your financial protection. Pros and cons CheckmarkPros Two usage-based driving programs could offer highly personalized rates Available in most states Broad distribution network of local independent agents Numerous discounts Vanishing deductible option offered Close XCons J.D. Power customer service scores vary by region Few add-ons available J.D. Power digital service and shopping scores are far lower than average Higher-than-average overall NAIC complaint index Lower-than-average J.D. Power claims satisfaction score Nationwide standout discounts SmartRide SmartMiles Multi-policy Defensive driving discount Safe driver Answer a few questions to see personalized rates from top carriers Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Progressive's handy rate tools help secure it as one of our best auto insurance selections. Consumers can find options to save based on their own budget and driving habits with a Progressive policy anywhere in the U.S., backed by a financially strong company that generally earns high ratings from third-party agencies. Why Progressive is best for digital policy management: Progressive provides several ways for drivers to save time and money by managing their policy online, such as its Snapshot app, a usage-based telematics program that monitors driving and offers discounts for safe driving. When deciding the right policy for you, you can use its online Name Your Price tool to personalize your buying experience and review coverage options based on your budget. The Progressive mobile app offers instant access to review coverage, ID cards, bill payment and claims submissions. Pros and cons CheckmarkPros Strong digital tools Coverage options for numerous types of vehicles Several discount opportunities available May have options for high-risk drivers SR-22 filings are available Close XCons Below-average J.D. Power claims satisfaction score Customer satisfaction scores vary by region Rates may vary between online and agency quotes Higher-than-average NAIC complaint index for private passenger auto product Snapshot telematics program can raise rates for less-safe drivers Progressive standout discounts Snapshot Good student Online quote and sign online Homeowner Automatic payments Answer a few questions to see personalized rates from top carriers Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Auto-Owners is another carrier with a strong reputation for providing excellent auto coverage at a competitive price. Its wide range of coverage and discount options are available to drivers in 26 states through a distribution network of independent agents. Why Auto-Owners is best for discounts: Auto-Owners offers an impressive menu of 12 discounts, which many drivers are likely eligible to receive. Drivers could save by getting a quote ahead of their current policy's expiration, or by opting for paperless billing and payment options. The company provides three types of student discounts, making it a great option for parents of teens or young drivers who have their own policy to consider. Pros and cons CheckmarkPros Several discounts available Superior AM Best financial strength rating Numerous endorsements available Lower-than- average premium Can get an auto discount for bundling a life insurance policy Close XCons Only available in 26 states No online quoting No online claims filing Lower-than-average claims satisfaction score from J.D. Power Lower-than-average digital service score from J.D. Power Auto-Owners standout discount Good student discount Multi-policy Paid-in-full discount Green discount Student discounts Answer a few questions to see personalized rates from top carriers Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: As the fourth-largest auto insurer based on market share, Allstate has a long list of valuable coverage options that make it a standout option for many drivers, but especially for those with unique vehicles. Allstate's rewards program adds additional benefits, allowing drivers to earn points toward hotels, gift cards and other great perks. Why Allstate is best for high-value cars: Allstate is one of the few insurers offering customer equipment coverage. The company's full coverage policies have a higher average cost than other carriers on Bankrate's list, but drivers who have invested money into modifying their vehicles with the best sound equipment likely need more extensive coverage, which Allstate provides. Classic and antique car collectors can opt for Allstate's classic car insurance, so the vehicle's higher intrinsic value is accounted for in case of costly damage. Pros and cons CheckmarkPros Classic or custom car coverage Unique points-based rewards program Several discount opportunities available Can buy and service policies online or with a local agent Several ways to file and track claims Close XCons Higher-than-average rates J.D. Power customer satisfaction scores vary by region Below-average J.D. Power claims satisfaction score Below-average J.D. Power digital shopping and service scores Higher-than-average overall NAIC complaint index Allstate standout discounts Multi-policy New car FullPay Responsible payer discount Smart student discount Answer a few questions to see personalized rates from top carriers Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Earning a high Bankrate Score, USAA easily makes our list of best insurance companies. The company is a top scorer in J.D. Power customer satisfaction surveys, has impeccable ratings with several financial strength rating institutions and provides some of the lowest-priced auto insurance quotes in the industry. However, USAA is only available to active-duty military, veterans and their eligible family members. Why USAA is best overall for car insurance: USAA earns top marks from all major third-party rating agencies for customer service and financial strength. Coupled with having a lower-than-average full coverage premium on our list, USAA is a powerhouse. Customers can access multiple coverage options, benefits and discounts, including unique circumstances like deployment for active-duty members. While not all drivers qualify for coverage from USAA, the company is a standout for millions of military families across the country. Pros and cons CheckmarkPros Excellent J.D. Power customer service scores Superior AM Best financial strength rating Low average rates Military-focused coverage options Offers a telematics program called SafePilot Close XCons Available to military, veterans and immediate family members Fewer specialty coverage options than other carriers Only digital and over-the-phone access for policy and claims management SafePilot is not available in all states Lower-than-average digital shopping score from J.D. Power USAA standout discounts SafePilot telematics Military installation Bundle and Save Premier driver discount Member loyalty Answer a few questions to see personalized rates from top carriers Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: - Avg. annual premium for minimum coverage: Avg annual premium for full coverage: Company overview Why this company made our list: Clearcover's technology-driven car insurance reinvents the insurance landscape, making it a clear contender for drivers seeking the best modern auto insurance experience compared to other car insurance companies. The insurtech company's digital approach allows it to compete with traditional auto insurers. Why Clearcover is best for digital presence: The carrier revamps how car insurance is quoted, managed and serviced by using artificial intelligence-based digital tools. Clearcover's highly-rated mobile app puts managing policies in users' hands; its streamlined digital approach enables Clearcover to pay most auto claims in less than a week, with some eligible for same-day processing. Its claims process is much faster than industry standards. Although only available to drivers in 20 states, Clearcover is disrupting the auto insurance market by putting technology in the spotlight. Pros and cons CheckmarkPros Cutting-edge technology Fast and easy online car insurance quotes available Fast claims processing (current record: 7 minutes) Coverage Wizard tool can help you determine your needs Support is available in an online help center, online chat or by phone Close XCons Only available in 20 states Limited data regarding customer satisfaction Higher-than-average NAIC complaint index for private passenger auto product No local agents available Only sells auto insurance Clearcover standout discounts Military personnel Answer a few questions to see personalized rates from top carriers Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Geico's long history as a trusted, household-name auto insurer is reflected in its high Bankrate Score and is one of the reasons we included it as a top company. Coverage is available for virtually every type of driver, making its car insurance coverage accessible even for consumers with blemished driving histories. Why Geico is best for driving incidents: Geico is one of the few top auto insurance companies that write policies for drivers even after high-risk incidents, such as DUI convictions. While high-risk policies are generally more expensive, a high-risk driver may also have a harder time finding coverage, especially from major car insurance companies. Geico is an easily-accessible option for most drivers. Pros and cons CheckmarkPros Typically available to high-risk drivers Highly-rated digital app and mobile tools Offers an array of discounts Lower-than-average rates for most driving profiles Offers a telematics program called DriveEasy Close XCons Customer service scores vary by region Fewer coverage options than most competitors Fewer in-person local agents compared to other car insurance companies Fewer additional products offered when compared to other carriers Additional products are underwritten by third parties Geico standout discounts Emergency deployment DriveEasy Vehicle equipment Military Membership and employee discounts Answer a few questions to see personalized rates from top carriers Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: As the largest national auto insurer based on market share, State Farm's reach and reputation highlight the carrier as one of the best auto insurance companies for drivers in most states. Its extensive local agent network showcases its customer-first approach to providing consumers with various personal and commercial insurance products. Why State Farm is best overall for car insurance: State Farm boasts over 19,000 licensed insurance professionals, available in communities across the U.S., who can offer guidance to those who value expert insight when discussing their policy. Digital management options allow for an on-the-go approach, including a highly-rated mobile app where you can file auto claims and contact your agent. Pros and cons CheckmarkPros Large network of exclusive local agents Superior financial strength Steer Clear teen driver program could help young drivers save Offers a telematics program called Drive Safe & Save Above-average J.D. Power claims satisfaction score Close XCons May not be available to high-risk drivers Higher-than-average NAIC complaint index score Not sold in all 50 states Accident forgiveness must be "earned;" cannot be purchased Auto policies are generally six-month terms, meaning rates could increase twice a year State Farm standout discounts Passive restraint Drive Safe & Save Multi-line Steer Clear Good student discount Answer a few questions to see personalized rates from top carriers Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Travelers has over 150 years of experience in the auto insurance industry. Its strong independent agent network, numerous endorsement options, robust savings opportunities and proven financial track record make it a worthwhile option for drivers nationwide. Why Travelers is best for personalized coverage: Travelers offers many ways to personalize coverage to specific needs. Options like new car replacement, accident forgiveness, rideshare coverage and may increase premiums but also provide increased financial protection for a broader range of incidents. Customers do not as highly rank travelers' claims satisfaction compared to other companies Bankrate analyzed, which may be worth considering. Pros and cons CheckmarkPros National independent agent network Competitive discounts Numerous policy options Superior AM Best financial strength rating Lower-than-average Close XCons Lower-than-average J.D. Power claims satisfaction score Ridesharing coverage is only available in Colorado and Illinois Below-average digital shopping and service scores from J.D. Power Only available in 42 states and Washington, D.C. Higher-than-average overall NAIC complaint index Travelers standout discounts Multi-policy Hybrid/electric car Early quote New car discount Early shopper discount Answer a few questions to see personalized rates from top carriers Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Erie is on our best auto insurance companies list because this regional insurer is generous with optional coverage types and scores competitively across all third-party agencies we reviewed. Erie also offers discount advantages and competitive rates for young drivers, who normally see the highest rates of all driver age groups. Erie's high Bankrate Score contributes to its position among the best auto insurance companies for 2022, although coverage is unavailable nationally. Why Erie is best for robust coverage: Erie includes coverage types and features in its that many competitors offer as optional add-ons. Drivers may benefit from adding accident forgiveness and Erie's Rate Lock feature, which could help keep premiums consistent over time. While only available in 12 states, the company provides robust coverage and a strong claims experience for drivers in its service areas. Pros and cons CheckmarkPros Rate Lock feature could help keep premiums steady Highly-rated customer service Lower-than-average full coverage rates for teen drivers Lower-than-average full coverage rates for drivers with driving incidents Numerous coverage options available Close XCons Coverage only available in 12 states Below-average ranking for digital service experience Digital tools are more limited than other carriers No online claim filing May need to contact an agent for most policy changes Erie standout discounts Erie Rate Lock Multi-policy Youthful driver Diminishing deductible First accident forgiveness Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Amica's exceptional claims service and customer-centric business model make it a standout choice for drivers seeking the best auto insurance company, based on Bankrate's analysis. You can learn more about Amica at or by calling (800) 242-6422. Why Amica is best for claims satisfaction: Amica ranked above average in the latest J.D. Power claims satisfaction study; the company's online claim center allows customers to easily report a claim, upload supporting documents and track the claim's process with a few simple clicks. Its customer representatives are also available to support policyholders 24/7. Pros and cons CheckmarkPros Higher-than-average J.D. Power claims satisfaction score Platinum Choice auto package offers robust coverage options Unique optional dividend policies are available Lower-than-average rates Live chat option available online Close XCons No ridesharing coverage option is available Not available in Hawaii Below-average digital shopping and service score from J.D. Power Higher-than-average NAIC complaint index for private passenger auto product Higher-than-average rates when insuring a 16-year-old driver Amica standout discounts Bundling Multi-car Loyalty Legacy Anti-theft Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Nationwide's options to tailor coverage based on personal needs and its low average premium solidify it as a top auto insurance company for 2022, based on Bankrate's research. With near-nationwide availability and a website full of useful insurance information, Nationwide makes it easy to build a policy for your needs. Why Nationwide is best for coverage on a budget: Nationwide's average annual premium is well below the national average. Additionally, the carrier's and SmartMiles telematics programs can help you either earn a discount based on your safe driving habits or provide a flexible premium based on your vehicle usage, respectively. Optional coverage is not as plentiful as some other auto insurers on our list, but personalized options offer valuable control over your financial protection. Pros and cons CheckmarkPros Two usage-based driving programs could offer highly personalized rates Available in most states Broad distribution network of local independent agents Numerous discounts Vanishing deductible option offered Close XCons J.D. Power customer service scores vary by region Few add-ons available J.D. Power digital service and shopping scores are far lower than average Higher-than-average overall NAIC complaint index Lower-than-average J.D. Power claims satisfaction score Nationwide standout discounts SmartRide SmartMiles Multi-policy Defensive driving discount Safe driver Answer a few questions to see personalized rates from top carriers Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Progressive's handy rate tools help secure it as one of our best auto insurance selections. Consumers can find options to save based on their own budget and driving habits with a Progressive policy anywhere in the U.S., backed by a financially strong company that generally earns high ratings from third-party agencies. Why Progressive is best for digital policy management: Progressive provides several ways for drivers to save time and money by managing their policy online, such as its Snapshot app, a usage-based telematics program that monitors driving and offers discounts for safe driving. When deciding the right policy for you, you can use its online Name Your Price tool to personalize your buying experience and review coverage options based on your budget. The Progressive mobile app offers instant access to review coverage, ID cards, bill payment and claims submissions. Pros and cons CheckmarkPros Strong digital tools Coverage options for numerous types of vehicles Several discount opportunities available May have options for high-risk drivers SR-22 filings are available Close XCons Below-average J.D. Power claims satisfaction score Customer satisfaction scores vary by region Rates may vary between online and agency quotes Higher-than-average NAIC complaint index for private passenger auto product Snapshot telematics program can raise rates for less-safe drivers Progressive standout discounts Snapshot Good student Online quote and sign online Homeowner Automatic payments Answer a few questions to see personalized rates from top carriers Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Auto-Owners is another carrier with a strong reputation for providing excellent auto coverage at a competitive price. Its wide range of coverage and discount options are available to drivers in 26 states through a distribution network of independent agents. Why Auto-Owners is best for discounts: Auto-Owners offers an impressive menu of 12 discounts, which many drivers are likely eligible to receive. Drivers could save by getting a quote ahead of their current policy's expiration, or by opting for paperless billing and payment options. The company provides three types of student discounts, making it a great option for parents of teens or young drivers who have their own policy to consider. Pros and cons CheckmarkPros Several discounts available Superior AM Best financial strength rating Numerous endorsements available Lower-than- average premium Can get an auto discount for bundling a life insurance policy Close XCons Only available in 26 states No online quoting No online claims filing Lower-than-average claims satisfaction score from J.D. Power Lower-than-average digital service score from J.D. Power Auto-Owners standout discount Good student discount Multi-policy Paid-in-full discount Green discount Student discounts Answer a few questions to see personalized rates from top carriers Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: As the fourth-largest auto insurer based on market share, Allstate has a long list of valuable coverage options that make it a standout option for many drivers, but especially for those with unique vehicles. Allstate's rewards program adds additional benefits, allowing drivers to earn points toward hotels, gift cards and other great perks. Why Allstate is best for high-value cars: Allstate is one of the few insurers offering customer equipment coverage. The company's full coverage policies have a higher average cost than other carriers on Bankrate's list, but drivers who have invested money into modifying their vehicles with the best sound equipment likely need more extensive coverage, which Allstate provides. Classic and antique car collectors can opt for Allstate's classic car insurance, so the vehicle's higher intrinsic value is accounted for in case of costly damage. Pros and cons CheckmarkPros Classic or custom car coverage Unique points-based rewards program Several discount opportunities available Can buy and service policies online or with a local agent Several ways to file and track claims Close XCons Higher-than-average rates J.D. Power customer satisfaction scores vary by region Below-average J.D. Power claims satisfaction score Below-average J.D. Power digital shopping and service scores Higher-than-average overall NAIC complaint index Allstate standout discounts Multi-policy New car FullPay Responsible payer discount Smart student discount Answer a few questions to see personalized rates from top carriers J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Earning a high Bankrate Score, USAA easily makes our list of best insurance companies. The company is a top scorer in J.D. Power customer satisfaction surveys, has impeccable ratings with several financial strength rating institutions and provides some of the lowest-priced auto insurance quotes in the industry. However, USAA is only available to active-duty military, veterans and their eligible family members. Why USAA is best overall for car insurance: USAA earns top marks from all major third-party rating agencies for customer service and financial strength. Coupled with having a lower-than-average full coverage premium on our list, USAA is a powerhouse. Customers can access multiple coverage options, benefits and discounts, including unique circumstances like deployment for active-duty members. While not all drivers qualify for coverage from USAA, the company is a standout for millions of military families across the country. Pros and cons CheckmarkPros Excellent J.D. Power customer service scores Superior AM Best financial strength rating Low average rates Military-focused coverage options Offers a telematics program called SafePilot Close XCons Available to military, veterans and immediate family members Fewer specialty coverage options than other carriers Only digital and over-the-phone access for policy and claims management SafePilot is not available in all states Lower-than-average digital shopping score from J.D. Power USAA standout discounts SafePilot telematics Military installation Bundle and Save Premier driver discount Member loyalty J.D. Power: AM Best: - Avg. annual premium for minimum coverage: Avg annual premium for full coverage: Company overview Why this company made our list: Earning a high Bankrate Score, USAA easily makes our list of best insurance companies. The company is a top scorer in J.D. Power customer satisfaction surveys, has impeccable ratings with several financial strength rating institutions and provides some of the lowest-priced auto insurance quotes in the industry. However, USAA is only available to active-duty military, veterans and their eligible family members. Why USAA is best overall for car insurance: USAA earns top marks from all major third-party rating agencies for customer service and financial strength. Coupled with having a lower-than-average full coverage premium on our list, USAA is a powerhouse. Customers can access multiple coverage options, benefits and discounts, including unique circumstances like deployment for active-duty members. While not all drivers qualify for coverage from USAA, the company is a standout for millions of military families across the country. Pros and cons CheckmarkPros Cutting-edge technology Fast and easy online car insurance quotes available Fast claims processing (current record: 7 minutes) Coverage Wizard tool can help you determine your needs Support is available in an online help center, online chat or by phone Close XCons Only available in 20 states Limited data regarding customer satisfaction Higher-than-average NAIC complaint index for private passenger auto product No local agents available Only sells auto insurance Clearcover standout discounts Military personnel J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Geico's long history as a trusted, household-name auto insurer is reflected in its high Bankrate Score and is one of the reasons we included it as a top company. Coverage is available for virtually every type of driver, making its car insurance coverage accessible even for consumers with blemished driving histories. Why Geico is best for driving incidents: Geico is one of the few top auto insurance companies that write policies for drivers even after high-risk incidents, such as DUI convictions. While high-risk policies are generally more expensive, a high-risk driver may also have a harder time finding coverage, especially from major car insurance companies. Geico is an easily-accessible option for most drivers. Pros and cons CheckmarkPros Typically available to high-risk drivers Highly-rated digital app and mobile tools Offers an array of discounts Lower-than-average rates for most driving profiles Offers a telematics program called DriveEasy Close XCons Customer service scores vary by region Fewer coverage options than most competitors Fewer in-person local agents compared to other car insurance companies Fewer additional products offered when compared to other carriers Additional products are underwritten by third parties Geico standout discounts Emergency deployment DriveEasy Vehicle equipment Military Membership and employee discounts J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: As the largest national auto insurer based on market share, State Farm's reach and reputation highlight the carrier as one of the best auto insurance companies for drivers in most states. Its extensive local agent network showcases its customer-first approach to providing consumers with various personal and commercial insurance products. Why State Farm is best overall for car insurance: State Farm boasts over 19,000 licensed insurance professionals, available in communities across the U.S., who can offer guidance to those who value expert insight when discussing their policy. Digital management options allow for an on-the-go approach, including a highly-rated mobile app where you can file auto claims and contact your agent. Pros and cons CheckmarkPros Large network of exclusive local agents Superior financial strength Steer Clear teen driver program could help young drivers save Offers a telematics program called Drive Safe & Save Above-average J.D. Power claims satisfaction score Close XCons May not be available to high-risk drivers Higher-than-average NAIC complaint index score Not sold in all 50 states Accident forgiveness must be "earned;" cannot be purchased Auto policies are generally six-month terms, meaning rates could increase twice a year State Farm standout discounts Passive restraint Drive Safe & Save Multi-line Steer Clear Good student discount J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Travelers has over 150 years of experience in the auto insurance industry. Its strong independent agent network, numerous endorsement options, robust savings opportunities and proven financial track record make it a worthwhile option for drivers nationwide. Why Travelers is best for personalized coverage: Travelers offers many ways to personalize coverage to specific needs. Options like new car replacement, accident forgiveness, rideshare coverage and may increase premiums but also provide increased financial protection for a broader range of incidents. Customers do not as highly rank travelers' claims satisfaction compared to other companies Bankrate analyzed, which may be worth considering. Pros and cons CheckmarkPros National independent agent network Competitive discounts Numerous policy options Superior AM Best financial strength rating Lower-than-average Close XCons Lower-than-average J.D. Power claims satisfaction score Ridesharing coverage is only available in Colorado and Illinois Below-average digital shopping and service scores from J.D. Power Only available in 42 states and Washington, D.C. Higher-than-average overall NAIC complaint index Travelers standout discounts Multi-policy Hybrid/electric car Early quote New car discount Early shopper discount J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Erie is on our best auto insurance companies list because this regional insurer is generous with optional coverage types and scores competitively across all third-party agencies we reviewed. Erie also offers discount advantages and competitive rates for young drivers, who normally see the highest rates of all driver age groups. Erie's high Bankrate Score contributes to its position among the best auto insurance companies for 2022, although coverage is unavailable nationally. Why Erie is best for robust coverage: Erie includes coverage types and features in its that many competitors offer as optional add-ons. Drivers may benefit from adding accident forgiveness and Erie's Rate Lock feature, which could help keep premiums consistent over time. While only available in 12 states, the company provides robust coverage and a strong claims experience for drivers in its service areas. Pros and cons CheckmarkPros Rate Lock feature could help keep premiums steady Highly-rated customer service Lower-than-average full coverage rates for teen drivers Lower-than-average full coverage rates for drivers with driving incidents Numerous coverage options available Close XCons Coverage only available in 12 states Below-average ranking for digital service experience Digital tools are more limited than other carriers No online claim filing May need to contact an agent for most policy changes Erie standout discounts Erie Rate Lock Multi-policy Youthful driver Diminishing deductible First accident forgiveness J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Amica's exceptional claims service and customer-centric business model make it a standout choice for drivers seeking the best auto insurance company, based on Bankrate's analysis. You can learn more about Amica at or by calling (800) 242-6422. Why Amica is best for claims satisfaction: Amica ranked above average in the latest J.D. Power claims satisfaction study; the company's online claim center allows customers to easily report a claim, upload supporting documents and track the claim's process with a few simple clicks. Its customer representatives are also available to support policyholders 24/7. Pros and cons CheckmarkPros Higher-than-average J.D. Power claims satisfaction score Platinum Choice auto package offers robust coverage options Unique optional dividend policies are available Lower-than-average rates Live chat option available online Close XCons No ridesharing coverage option is available Not available in Hawaii Below-average digital shopping and service score from J.D. Power Higher-than-average NAIC complaint index for private passenger auto product Higher-than-average rates when insuring a 16-year-old driver Amica standout discounts Bundling Multi-car Loyalty Legacy Anti-theft J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Nationwide's options to tailor coverage based on personal needs and its low average premium solidify it as a top auto insurance company for 2022, based on Bankrate's research. With near-nationwide availability and a website full of useful insurance information, Nationwide makes it easy to build a policy for your needs. Why Nationwide is best for coverage on a budget: Nationwide's average annual premium is well below the national average. Additionally, the carrier's and SmartMiles telematics programs can help you either earn a discount based on your safe driving habits or provide a flexible premium based on your vehicle usage, respectively. Optional coverage is not as plentiful as some other auto insurers on our list, but personalized options offer valuable control over your financial protection. Pros and cons CheckmarkPros Two usage-based driving programs could offer highly personalized rates Available in most states Broad distribution network of local independent agents Numerous discounts Vanishing deductible option offered Close XCons J.D. Power customer service scores vary by region Few add-ons available J.D. Power digital service and shopping scores are far lower than average Higher-than-average overall NAIC complaint index Lower-than-average J.D. Power claims satisfaction score Nationwide standout discounts SmartRide SmartMiles Multi-policy Defensive driving discount Safe driver J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Progressive's handy rate tools help secure it as one of our best auto insurance selections. Consumers can find options to save based on their own budget and driving habits with a Progressive policy anywhere in the U.S., backed by a financially strong company that generally earns high ratings from third-party agencies. Why Progressive is best for digital policy management: Progressive provides several ways for drivers to save time and money by managing their policy online, such as its Snapshot app, a usage-based telematics program that monitors driving and offers discounts for safe driving. When deciding the right policy for you, you can use its online Name Your Price tool to personalize your buying experience and review coverage options based on your budget. The Progressive mobile app offers instant access to review coverage, ID cards, bill payment and claims submissions. Pros and cons CheckmarkPros Strong digital tools Coverage options for numerous types of vehicles Several discount opportunities available May have options for high-risk drivers SR-22 filings are available Close XCons Below-average J.D. Power claims satisfaction score Customer satisfaction scores vary by region Rates may vary between online and agency quotes Higher-than-average NAIC complaint index for private passenger auto product Snapshot telematics program can raise rates for less-safe drivers Progressive standout discounts Snapshot Good student Online quote and sign online Homeowner Automatic payments J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: Auto-Owners is another carrier with a strong reputation for providing excellent auto coverage at a competitive price. Its wide range of coverage and discount options are available to drivers in 26 states through a distribution network of independent agents. Why Auto-Owners is best for discounts: Auto-Owners offers an impressive menu of 12 discounts, which many drivers are likely eligible to receive. Drivers could save by getting a quote ahead of their current policy's expiration, or by opting for paperless billing and payment options. The company provides three types of student discounts, making it a great option for parents of teens or young drivers who have their own policy to consider. Pros and cons CheckmarkPros Several discounts available Superior AM Best financial strength rating Numerous endorsements available Lower-than- average premium Can get an auto discount for bundling a life insurance policy Close XCons Only available in 26 states No online quoting No online claims filing Lower-than-average claims satisfaction score from J.D. Power Lower-than-average digital service score from J.D. Power Auto-Owners standout discount Good student discount Multi-policy Paid-in-full discount Green discount Student discounts J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Why this company made our list: As the fourth-largest auto insurer based on market share, Allstate has a long list of valuable coverage options that make it a standout option for many drivers, but especially for those with unique vehicles. Allstate's rewards program adds additional benefits, allowing drivers to earn points toward hotels, gift cards and other great perks. Why Allstate is best for high-value cars: Allstate is one of the few insurers offering customer equipment coverage. The company's full coverage policies have a higher average cost than other carriers on Bankrate's list, but drivers who have invested money into modifying their vehicles with the best sound equipment likely need more extensive coverage, which Allstate provides. Classic and antique car collectors can opt for Allstate's classic car insurance, so the vehicle's higher intrinsic value is accounted for in case of costly damage. Pros and cons CheckmarkPros Classic or custom car coverage Unique points-based rewards program Several discount opportunities available Can buy and service policies online or with a local agent Several ways to file and track claims Close XCons Higher-than-average rates J.D. Power customer satisfaction scores vary by region Below-average J.D. Power claims satisfaction score Below-average J.D. Power digital shopping and service scores Higher-than-average overall NAIC complaint index Allstate standout discounts Multi-policy New car FullPay Responsible payer discount Smart student discount

The best auto insurance companies by state

Finding the best car insurance company in your state involves more than looking at average rates. After all, is just one part of your policy - although an important one. To find a company that fits all your needs, including your budget, you may want to consider additional features of a carrier when choosing the best company. For example, third-party customer satisfaction scores can vary widely between regions, so while you may choose one company in one area, it may not meet your needs in another. Bankrate conducted extensive research into the car insurance markets in all 50 states and Washington, D.C. and evaluated the largest carriers by market share using our proprietary Bankrate Score method. Our research might help you find the best car insurance in your state.

Compare the best car insurance companies by state

The average annual full and minimum coverage auto insurance premium based on a 40-year-old driver with a clean driving record and good credit.

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Compare rates & save Compare rates & save ADVERTISEMENT Get my free quote Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How to find the best auto insurance company for you

Understand the different types of car insurance

One of the first steps to finding the best auto insurance for you is to . That starts with learning about the key coverage options available and how these options work together to provide financial protection. pays for the injuries you cause to others in an at-fault accident. pays for the damage you cause to another's vehicle or other property (like a fence, pole or building) in an at-fault accident. pay for injury and damage caused by a driver who either lacks sufficient coverage or any coverage at all. , also known as no-fault insurance and only available in certain states, pays for medical expenses you and your passengers incur following an accident, regardless of fault. It also accounts for non-medical expenses incurred as a result of an accident, such as lost wages or the cost of childcare. is similar to PIP insurance coverage but includes only payments for medical expenses. It is required in some states and optional in others. pays for damage to your car caused by non-collision losses like fire, theft, vandalism and storm damage. Comprehensive also pays for damages caused by hitting an animal and cracked windshields. pays for damages to your vehicle caused by a collision. If you collide with another car, tree, pole, building or pedestrian, your collision coverage is the part of the policy that will pay for the damage to your vehicle. These are the main types of auto insurance coverage, but there are more types of car insurance coverage available that may be worth discussing with your insurer. For example, you might consider adding gap insurance if you buy a newer car or ridesharing coverage if you drive for a company like Uber or Lyft. Additionally, each state has its own car insurance laws, and each driver is unique. Talking with a licensed agent can help you determine the best auto insurance coverage types and limits for your needs.

Know what factors affect your car insurance options

Other factors exist that significantly influence your car insurance company options. Each insurance company has underwriting metrics that affect your eligibility and rate. : If you have a history of at-fault accidents, tickets or DUI convictions, you may find fewer companies to choose from since high-risk drivers are not eligible for coverage from every carrier. : Younger drivers have less experience on the road, leading to a higher accident frequency. This can often lead to higher . Unless you're in Hawaii or Massachusetts, which ban age as a rating factor, the best company for drivers insuring young drivers may be ones that offer student or telematics discounts to offset premium increases. : States have different insurance laws, accident statistics, crime rates and living costs. Because of this, insurance companies may not be available in certain states or even in some cities or ZIP codes. : Each make and model of vehicle has unique features which impact the likelihood of accidents, the severity of accidents and the cost to repair the vehicle itself. Because of this, insurers may not insure certain vehicle types. : In most states, elements of your credit history are used to determine how likely you are to file a claim, which can affect your rate and eligibility with certain companies. : Because most states require drivers to have at least minimum levels of coverage, insurance lapses can result in higher premiums when you take out a policy again. You may also be considered a higher risk and have fewer options when shopping for car insurance companies.

Review customer satisfaction metrics

Third-party rating agencies, which maintain neutrality, provide a basis for understanding a company's overall level of service, number of complaints and financial strength ratings. These metrics help you gain a deeper view of a carrier's performance and can help you choose a company based on more than just a quoted rate. This helps ensure you find a carrier that meets all of your needs. Look at scores: J.D. Power is a data analytics company that conducts several annual reviews of the car insurance industry, ranging from customer and claims satisfaction to digital tool satisfaction. J.D. Power is a trusted name in the industry, and its ratings - particularly those that apply specifically to your region - could help you choose a carrier based on customer satisfaction. Consider complaint index: The NAIC keeps a record of customer complaints filed about insurance companies and compiles them into a complaint index. A 1.00 index is the baseline number of complaints expected in a given year. A rating below 1.00 indicates fewer complaints than average, and conversely, a rating above 1.00 indicates more complaints than average. Review financial strength ratings: AM Best rates the historical financial strength of various companies, including insurers. A financial strength rating gives you an idea of a company's past ability to pay claims. A higher financial strength rating may indicate that a company has historically been financially stable. Talk with current policyholders: If you know someone who has their car insurance with a company you are considering, ask them about their experience. You can ask about general service, billing and payment service, and claims service to get a sense of what it's like to be insured with that company.

Learn how to find the best rates on car insurance

Although you can't control some of the factors that are used to determine your car insurance rate, there are a few things you can do to help secure a competitive rate: Shop around: Car insurance companies use unique rating algorithms to determine your premium, so you'll get a different rate with each carrier. Shopping early - up to a month prior to your renewal date - can be helpful, as it allows you time to gather quotes and make a decision. Most companies require at least a month's down payment, so make sure you account for that in your budget. Utilize discounts: You may find a lower rate if you get a quote from a company that offers several you can apply to your policy. Talk with current policyholders: If you know someone with car insurance with a company you are considering, ask them about their experience. You can ask about general service, billing and payment service, and claims service to get a sense of what it's like to be insured with that company. Participate in a telematics program: Telematics discounts are programs that track your driving habits. If you are a safe driver, you could save on your premium. Keep a clean driving record: At-fault accidents and tickets are signs that you may engage in risky driving behaviors and can significantly increase your rates. Consider your vehicle: While not the most practical step for everyone, you could consider shopping for a different vehicle if you need to lower your rates drastically. Set realistic expectations: For example, if you have a DUI conviction on your record, your version of a competitive premium is likely to be higher than someone with a clean driving record.

Recent news Inflation and its effect on car insurance

Inflation has been a headline news story for months, and with good reason. A study from March 2022 showed that have felt the effects of higher prices, and of that number, 74 percent said that inflation was damaging to their personal finances. Inflation has continued to rise since March, so it's likely that those numbers are now higher. In a Bankrate survey from September 2022, said that their income hasn't been able to keep up with the increased cost of household expenses, including insurance premiums. As premiums continue to rise, it's important to understand how car insurance costs are affected. If you are facing a premium increase upon your next policy renewal, shopping for a new car insurance company may be worth considering. But the price isn't everything. As vehicle repairs and medical care costs increase, finding the best coverage for your needs is also crucial. Ensuring you have proper coverage could help reduce the financial risk of being underinsured. Bankrate's editorial team continues to monitor the insurance industry and speak to industry experts. Adam Pichon Mark Friedlander

Adam Pichon

Vice President and General Manager of U.S. Personal Lines Insurance for LexisNexis When asked about the risk of policyholders being , Adam Pichon states: "Liability claim severity has been rising significantly over the last 10 years or so. Medical costs have been rising very quickly for a long time. So the question is, is your coverage going to be sufficient?" But many other costs are increasing along with car insurance rates. Bankrate wanted to know if increasing coverage limits to combat inflation could affect car insurance rates. Pichon says: "The prices will vary for every insurance company. You could get 10 times more coverage, but it won't be 10 times the price."

Mark Friedlander

Director of Corporate Communications at the Insurance Information Institute While , other factors also drive up prices. Mark Friedlander shed light on this: "In 2021, we saw a return to pre-pandemic driving patterns, which led to a significant increase in auto insurance claims and accident severity. In fact, the National Highway Traffic Safety Administration reported an during the first six months of 2021 compared to the first six months of 2020 - the highest percentage increase on record." Unfortunately, we will likelythrough the remainder of 2022. Friedlander explains: "We expect to see significant rate actions taken by many national and regional insurers during the second half of 2022 as auto insurers are experiencing a large spike in the frequency and severity of auto accidents. As a result, insurers' loss costs have increased substantially because claim payouts are higher due in part to the escalating prices of auto replacement parts, which have increased by double-digits year-over-year due to supply chain disruption, as well as the rising costs of labor."

Frequently asked questions

The provider that is best for you will ultimately depend on your unique situation, wants and needs. The companies we researched for this article could be a great starting point, as they offer a good mix of affordable rates, high customer satisfaction scores, and robust coverage and discount options.

Of the companies on our list, USAA and Geico have the lowest average full coverage premiums. While these carriers may offer low average rates, they still might not be the cheapest for you. Your premium will depend on your individual rating factors, which include your driving history, the type of car you drive and the state you live in. Getting and comparing quotes from several insurers, taking advantage of discounts and maintaining a clean driving record might help you find the for your situation.

With so many insurance companies to choose from, you might still feel unsure how to pick the best option. for you involves first understanding your own wants and needs. The company that is best for a high-risk driver may be different from the company that fits the needs of a family with teen drivers, for example. And those looking for strong digital tools might not choose the same company as someone looking for a local agent. Once you know what features you are looking for, you can get quotes from companies that might fit your needs. Comparing quotes allows you to analyze various factors of a company, like coverage options, discounts and average rates. You can also review third-party scores from companies like J.D. Power, AM Best and the NAIC to get a broader understanding of each carrier.

Based on data from the, USAA tends to have the highest customer satisfaction ratings. However, it doesn't qualify for official ranking due to eligibility requirements. Geico and State Farm generally have above-average ratings, but ranks vary by region. Additionally, the best customer service could mean something different to different policyholders. If you prefer having a local agent, you probably won't be happy with an all-digital company. Understanding your preferences and choosing a carrier can go a long way toward a good service experience.

Clearcover has an for its private passenger auto product, which means that nearly twice as many complaints are recorded when compared to the baseline. The NAIC only received nine complaints about Clearcover's auto insurance in 2021, though, which likely means the data is being skewed by Clearcover's relative newness in the insurance market. State Farm, a far more established carrier and the largest auto insurer in the nation, received the highest number of complaints at 1,522 but has for its auto product, likely due to the carrier's larger size.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state's requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. J.D. Power scores J.D. Power is a global market research company that has decades of experience within the automotive, financial and health industries, among others. It conducts annual surveys on customer satisfaction across these sectors to help provide insight into the qualities that matter most between consumers and businesses. Its auto insurance studies take into account customer satisfaction across several categories that impact consumers, including customer service, claims processing, policy offerings and premiums, which make its scores a useful qualitative tool in assessing auto insurers. Bankrate Score Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially sound company with a history of positive customer support and claims-paying ability. In our evaluation, third-party ratings from J.D. Power, AM Best, Standard & Poor's, National Association of Insurance Commissioners and Moodys had a significant impact on the companies' Bankrate Scores. Our top picks for "best for" reflect a combination of Bankrate Scores and availability to drivers around the country, in addition to the specific qualities associated with each company. Compare rates and save on auto insurance today! Get quotes Close X Written by Cate Deventer Insurance Writer & Editor Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Amy Sims is a managing editor for Bankrate, leading a team responsible for creating educational insurance content. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.

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