best car insurance

 

 Best car insurance company in India

Car insurance exists to protect you from the financial burden if you’re in a car accident. At least a minimum amount of car insurance is required in almost every U.S. state, but most drivers should have more than the state-required minimum of coverage.

Almost every driver needs a similar range of basic coverage, offered by all major car insurance companies. But choosing a car insurance provider is more than just choosing the lowest quote you’ve gotten and calling it a day.

Some companies offer the best value, while some may quote you slightly higher rates but offer superior customer service, or nonstandard coverage options you won’t find with other carriers.

In order to choose the best car insurance company for you, you’ll want to weigh factors like claims satisfaction, financial strength and availability in your state.

The best car insurance companies

RANK	COMPANY	J.D. POWER CLAIMS SATISFACTION SCORE, 2020	A.M. BEST RATING, 2020	CONSUMER REPORTS READER SCORE
1	New Jersey Manufacturers Insurance Co.	909	A+	90
2	Amica Mutual	907	A+	89
3	Auto-Owners Insurance Group	890	A++	81
4	USAA	890	A++	92
5	The Hartford	888	A+	74
6	MetLife	886	NR	72
7	State Farm	881	A	78
8	Erie Insurance	880	A+	86
9	Allstate	876	A+	72
10	Nationwide	876	A+	71
11	Farmers	872	A-	72
12	Esurance	871	A+	70
13	GEICO	871	A++	78
14	Safeco	870	A	N/A
15	Liberty Mutual	867	A	72
16	Auto Club of Southern California	866	A-	86
17	COUNTRY Financial Property Casualty Group	863	A+	79
18	American Family	862	A+	76
19	CSAA Insurance Group	862	A	79
20	Travelers	861	A++	75
21	Automobile Club Group	858	A+	83
22	Progressive	856	A+	75
23	Mercury	849	A-	75
24	MAPFRE	844	A	74
25	National General	815	A-	74

Note: USAA membership is exclusive to U.S. military personnel and their families and is not included in official J.D. Power rankings.

Best car insurance company for claims satisfaction: Amica Mutual

As far as nationwide carriers go, Amica is in the top tier when it comes to claims satisfaction. It scored 907 on the 2020 J.D. Power Auto Claims Satisfaction Study, putting it above nearly all other competitors. Amica is known for best in class customer service and quick response times from agents. But it may be pricier than other carriers, and can be picky when it comes to customers — not everyone will be able to find affordable coverage with Amica.

Best car insurance company for teen drivers: State Farm

Teen and young adult drivers are notoriously expensive to insure because car insurance companies see them as riskier than adult drivers. But State Farm offers ways to offset the cost of adding a teenage driver to your policy, with a good student discount and its Steer Clear program for drivers under 25, which tracks driving behavior through an app that also includes informational quizzes and videos. Drivers who complete the Steer Clear program can earn a discount that lasts until they turn 25.

Best car insurance company for savings and discounts: GEICO

While the price of car insurance depends mainly on individual factors like your age, driving history, address, credit score and the make and model of car you drive, some companies are more reliably affordable than others. GEICO is one of the most popular carriers out there, and its wide array of discounts and consistently affordable rates are two of the reasons so many people choose GEICO. Of course, the only way to ensure you’re getting a good price on car insurance is to compare quotes from multiple carriers.