What are the top three auto insurance companies? (2023)
USAA, Esurance, and Erie insurance are the top 3 auto insurance companies according to JD Powers's annual auto insurance study.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Oct 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Amica Mutual Auto Insurance is one of the oldest insurance companies in the United States
- USAA Auto Insurance Company provides auto insurance to military families
- State Farm Insurance Company is one of the largest insurance companies in the United States
Auto insurance provides you with financial protection if you are involved in an auto accident.
If you are looking for the best auto insurance, choosing a top auto insurance company for coverage can be the difference between an easy claim that is processed quickly and a claim that can take months to settle.
Rating systems make the job of choosing an auto insurance company a more informed process that you can do with confidence.
Being able to do a cheap auto insurance comparison is also a good way to make sure you are getting the best rates on the coverage you’re looking for.
Websites make comparison shopping quicker and easier than ever before and give you real information from insurers so that you can not only find the top three auto insurance companies but also find which ones are the top three picks for you.
Enter your ZIP code into our FREE online auto insurance comparison tool to compare rates for you right now!
Amica Mutual Auto Insurance
Amica Mutual Auto Insurance is one of the oldest insurance companies in the United States.
They are rated A+ by the Better Business Bureau and receive consistently high customer satisfaction ratings from JD Powers and Associates.
In addition to auto insurance, they also offer homeowners insurance and life insurance.
Amica offers auto liability insurance, which provides coverage for you if you are involved in an accident and are found to be responsible for the accident.
Auto liability insurance applies to repairs to the other driver’s car and medical expenses associated with the accident. It does not provide coverage for repairs to your car or for medical expenses for injuries you or your passengers experience.
Amica offers comprehensive coverage and is also one of the companies that offer cheap PIP auto insurance coverage.
Comprehensive auto insurance coverage provides you with protection if your car is damaged by hail, floods, fire or by hitting an animal.
Additionally, it provides you with coverage if your car is vandalized or stolen.
Personal injury protection works in conjunction with auto liability insurance. It provides additional coverage for medical expenses for you, your passengers and others involved in an accident.
Additionally, it can pay for expenses associated with rehabilitation services, lost wages, and legal expenses.
Personal injury protection coverage, also known as no-fault auto insurance coverage is mandatory auto insurance coverage in some states.
Amica also provides discounts for good drivers and offers identity monitoring services, coverage for glass repairs and premium rental car coverage and concierge services.
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USAA Auto Insurance Company
USAA Auto Insurance Company provides auto insurance to military families.
They are provided with the highest ratings available from the five insurance rating organizations including:
- Moody’s
- AM Best
- Standard & Poor’s
- Weiss
- Fitch Ratings
They consistently receive the highest customer service satisfaction ratings possible from JD Powers and Associates.
USAA also offers:
- Home and property insurance
- Recreational vehicle insurance
- Life insurance
- Health insurance
- Medi-Care insurance
- Long-term care insurance
- Retirement planning
USAA provides liability auto insurance, comprehensive car insurance, and collision coverage.
Additionally, they also offer uninsured/underinsured bodily injury and property damage insurance coverage.
Uninsured/underinsured coverage provides you with protection if you are involved in an accident with someone who either does not have auto insurance coverage or does not have adequate car insurance coverage.
Additionally, USAA provides roadside assistance, rental reimbursement, and an accident forgiveness program.
Roadside assistance can be used if you are stranded and you need help. It can also be used if you are locked out of your car or run out of gas or need a tow.
State Farm Insurance Company
State Farm Insurance Company is one of the largest insurance companies in the United States. State Farm consistently receives high customer satisfaction rates from JD Powers and Associates.
They are given a rating of B+ by the Better Business Bureau.
State Farm operates largely through independent insurance brokers and agents who work with customers at a local level nationwide.
In addition to auto insurance, they also offer the following:
- Homeowners insurance
- Rental insurance
- Condo insurance
- Motorcycle insurance
- Life insurance
State Farm offers property and bodily injury liability car insurance.
Although most states require a minimum amount of liability car insurance to drive legally and insure your car, it is recommended that you purchase additional liability insurance for better protection.
State Farm offers multiple levels of liability insurance coverage at several deductible levels to provide you with the best insurance premium rates possible.
State Farm also offers personal injury protection (PIP) coverage, comprehensive, collision, uninsured/underinsured motorist coverage and medical payment coverage.
Medical payment coverage provides additional protection for medical and funeral expenses related to an auto accident.
State Farm also provides rental reimbursement benefits if you are unable to drive your car because it is damaged in an accident. Reimbursement levels are limited to your policy provisions and vary from state to state.
Emergency road service benefits are also available through State Farm.
Emergency roadside assistance can assist you with expenses if your car needs to be towed or you need other help, such as getting your keys out of a locked car.
State Farm also offers a wide variety of discounts to their members. Discounts are often combined to lower auto insurance premium rates up to 40 percent in some cases.
Discounts include:
- Multiple car discounts
- Multiple policy discounts
- Good driver discounts
- Good student discounts
- Vehicle safety discounts
- Defensive driver training discounts
- Anti-theft device discounts
- Accident-free discounts
Since insurance needs change over time, you should evaluate your insurance needs each time your auto insurance policy comes up for renewal and comparison shop to decide if you are getting the best rates possible.
When choosing auto insurance, it is important to comparison shop before making a purchase decision.
You can comparison shop by visiting an online insurance comparison website, visiting our auto insurance company website, or talking to a local independent insurance broker or agent.
Enter your ZIP code into our FREE auto insurance comparison tool to get the best rates possible for your desired level of coverage.
Frequently Asked Questions
What is Amica Mutual Auto Insurance known for?
Amica Mutual Auto Insurance is one of the oldest insurance companies in the United States. They offer auto insurance, homeowners insurance, and life insurance. Amica receives high customer satisfaction ratings and is rated A+ by the Better Business Bureau.
What coverage does Amica provide?
Amica offers auto liability insurance, comprehensive coverage for damages caused by hail, floods, fire, or hitting an animal, and personal injury protection (PIP) coverage. They also provide discounts for good drivers and additional services such as identity monitoring, glass repair coverage, premium rental car coverage, and concierge services.
Can I add other drivers to my auto insurance policy?
Yes, most auto insurance policies allow you to add other licensed drivers to your policy, such as family members or household members. However, adding additional drivers may affect your premium rates, as their driving history and demographics will be taken into consideration.
Can I switch auto insurance companies at any time?
Yes, you can switch auto insurance companies at any time. However, it’s essential to consider factors such as policy expiration dates, potential cancellation fees, and the timing of the switch to avoid coverage gaps. It’s advisable to compare rates and coverage options before making a decision.
What factors can affect my auto insurance rates?
Several factors can impact your auto insurance rates, including your age, driving record, type of vehicle, location, coverage options, and deductible amount. Insurance companies also consider factors like your credit history, annual mileage, and previous claims.
How can I lower my auto insurance premiums?
There are several ways to potentially lower your auto insurance premiums, such as maintaining a clean driving record, opting for higher deductibles, bundling multiple insurance policies with the same company, qualifying for discounts (e.g., good student, safe driver, multi-car), and installing safety features in your vehicle.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.