What are the top 10 auto insurance companies in the United States?
The top 10 auto insurance companies in the USA offer great affordability, a good customer service experience, a fast claims process, and reliable insurance products. The best car insurance companies include familiar names like GEICO, State Farm, and Allstate, as well as smaller companies like Travelers and Liberty Mutual. However, the best company for your needs will depend on your unique circumstances.
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UPDATED: Jan 5, 2022
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- The best insurance companies offer outstanding customer service, exceptional affordability, and a quick claims process
- The largest car insurance companies, such as GEICO, Allstate, and State Farm, are excellent choices
- Smaller companies, like American Family and Farmers, don’t have as good reviews as some of the larger corporations but still have a loyal customer base
Everyone needs auto insurance, but with so many options out there it can be confusing trying to find the best company.
The best insurance company depends on your specific needs, and it’s not necessarily the provider with the lowest rates.
Of course, shopping around through the top ten auto insurance companies in the United States will help you find the best rates possible. You can enter your ZIP code into our free tool to determine what quotes might look like for you.
What are the top 10 insurance companies in the USA?
How do you decide what are the ten best insurance companies? There are several factors to consider when searching for the best insurance company. Obviously, their coverage fee is a significant factor in an insurance company’s credibility.
However, you should also consider how quickly the company resolves claims, its customer service reputation, the company’s financial strength, and how actual customers regard their insurance experience.
Here, we’ve gathered the best car insurance companies in the United States.
USAA Auto Insurance
USAA consistently ranks highly among insurance companies for its excellent customer service, great rates, and top-grade products. The only thing that prevents USAA from being the number one insurance company in America is that only military members are eligible for policies.
Active or retired military members and their families can find significant savings with USAA. People enjoy the customer service experience of working with USAA agents. Additionally, USAA’s claims process is easy to start and quickly resolves.
Unfortunately, not everyone is eligible for insurance with USAA. If you haven’t been in the military before, you’ll need to use a different company.
GEICO Auto Insurance
GEICO is one of the most recognized names in car insurance, and it’s due to more than the gecko mascot.
Customers appreciate the GEICO claims process, saying that every step is easy and user-friendly. Customers like GEICO so much that most not only aim to renew their plan indefinitely, they also recommend this company to family and friends.
GEICO earns its spot on the list of top insurance companies through stellar customer service and quality insurance products. However, GEICO is not the most affordable option that exists.
Allstate Auto Insurance
Allstate is the second-largest insurance company in America, with 9.88% (https://www.forbes.com/advisor/car-insurance/largest-auto-insurance-companies/) of the entire car insurance market.
Allstate wins customers because they have such an easy claims process. However, customers report being dissatisfied with their customer service. Allstate is also more expensive than most other insurance companies.
Unlike GEICO, Allstate customers are less likely to renew their policy when due for resumption.
State Farm Auto Insurance
State Farm is the largest car insurance provider in America, and for good reason. This insurance provider has a high customer satisfaction rating, an easy claims process, and rates around the national average.
State Farm is highly recommended for people without any military connection. People enjoy the overall value of State Farm insurance. The only downside is that status updates on claims do not arrive promptly.
One additional benefit involved with State Farm is that there are several discounts you can take advantage of, particularly compared to some of the smaller companies.
Nationwide Auto Insurance
Nationwide is another insurance company that many people recognize via its motto and commercials.
This company earns good scores in every category but doesn’t score exceptionally enough to stand out among its competitors. Additionally, customers are torn between enjoying the claims process and feeling dissatisfied.
The claims process can be lacking with status updates, but there are also many complaints about claims resolution.
Farmers Auto Insurance
While not as widely known as some of the other entries on this list, Farmers is a solid insurance provider. Farmers receives solid scores for their customer satisfaction, claims process, and value.
While the company provides affordable car insurance, many customers mention that they wouldn’t recommend Farmers to friends or family.
Additionally, customers are less impressed with the amount of discounts that Farmers offers. Rates also tend to be slightly more expensive than the national average.
Progressive Auto Insurance
A third company with a recognizable spokesperson, Progressive is a popular choice for auto insurance. Even with Flo charming America in commercials, Progressive is the third largest insurance provider.
People typically state that Progressive’s claims process is simple, though it doesn’t receive the same high praise as other companies.
Even still, customers tend to enjoy their experience with Progressive, although a noticeable percentage of people don’t plan to renew their policy.
American Family Auto Insurance
American Family earns less praise for customer service and satisfaction than its competitors on this list. People are also less satisfied with the way their claims are resolved.
Even still, American Family has a strong, loyal customer base. A large percentage of its customers plan on renewing their policy, and would strongly recommend it to friends and family.
Additionally, American Family provides Costco members insurance through CONNECT, so that they have a solid customer base.
Travelers Auto Insurance
Travelers is a smaller insurance company compared to the rest of the entries on this list. Customers report a mid-level amount of satisfaction with their customer service and claims.
The affordability of Travelers is less than other companies, as well. Although many people don’t plan to renew their policy, they would recommend Travelers to friends.
Liberty Mutual Auto Insurance
Finally, Liberty Mutual has a loyal customer base, even though they aren’t the largest company. With over five percent of the insurance market, customers enjoy Liberty Mutual’s long list of discounts and affordability.
However, Liberty Mutual doesn’t have the best customer service reputation. Additionally, their rates for teen drivers are much higher than the national average.
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How much does insurance cost from the top companies?
While there are plenty of factors you need to consider for insurance, the rate is typically the most important. Here, you can consider the average price of the top insurance companies in America.
Company Average monthly price
State Farm $121
American Family $159
Liberty Mutual $159
As you can see, USAA is usually the most affordable insurance option. And Travelers and GEICO are affordable options for non-military members.
Find the Best Insurance Rates
What is the best insurance company in the United States for your insurance needs? No matter what insurance company you decide to select, the rate will depend on your unique circumstances. Getting a free online quote from as many insurance companies as possible will help you save money.
The top ten auto insurance companies in the United States have affordable rates that you can take advantage of. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.