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Best USA Car Insurance Companies Of May 2023

Police unearth MASSIVE vehicle insurance scam

Finding a quality insurance provider might help you save money and hassle. Based on pricing, available policy options, complaints, and the insurers’ accident claims handling procedures, we examined insurers to discover the top auto insurance carriers.

 

The Best Car Insurance Companies

  • American Family – Best for Low Level of Complaints
  • Auto-Owners – Best Cost for Drivers Who Have Caused an Accident
  • Nationwide – Good for Usage-based or Mileage-based Insurance
  • USAA – Best for Military Members & Veterans
  • Geico – Best Overall Car Insurance Rates
  • Travelers – Best Price for Gap Insurance
  • Westfield – Best Family Discounts
  • Erie – Best Grade from Collision Repair Professionals
  • Progressive – Best Price for Drivers With a DUI
  • State Farm – Best Renewal Discount

What Is the Best Car Insurance Company?
Our analysis finds that American Family, Auto-Owners, Nationwide and USAA are the best car insurance companies overall, with 5 stars in our ratings. USAA auto insurance is available only to military members, veterans and their immediate family members.

The best car insurance companies for you will depend on your driving record, state and other individual factors. Shopping around to compare car insurance quotes will reveal the companies that can give you the best price for your situation.

Best for Low Car Insurance Rates: Geico
Geico comes in with the lowest rates nationwide that are available to the general public when we look at average rates across a variety of driving records and driver ages. (USAA is cheaper but membership is limited to car owners with a military connection.)

Drivers who have poor credit should compare quotes from Geico because of its competitive rates. Getting quotes is worthwhile if you have poor credit because many auto insurance companies charge much higher rates based solely on poor credit

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Best for Low Complaints: American Family and Travelers
Complaints against a company are a reflection of customer service. Most complaints about car insurance companies revolve around problems with claims. American Family and Travelers have very low levels of auto insurance complaints, based on verified complaints made to state insurance departments around the country.

Best for Collision Repair: Erie
Erie receives the highest grade from collision repair professionals among the companies we analyzed, with a B+. Collision repair professionals get an inside look at which insurers try to cut corners and which ones have the smoothest claims processes.

Best for Drivers With a Speeding Ticket: Geico and Westfield
Drivers who have gotten a speeding ticket can expect it to affect rates for three to five years, depending on your insurance company and state. Geico and Westfield have the lowest rates for these drivers, among companies open to the general public. Westfield is a regional insurer that sells auto insurance in 10 states, mainly in the Midwest.

USAA also has low rates for military members and veterans who have a speeding ticket on their records.

Best for Drivers Who Caused an Accident: Auto-Owners
A “chargeable” accident can stay on your record and affect your car insurance rates for three to five years, depending on your state laws and/or car insurance company. Auto-Owners has the best average rates for drivers stuck in this spot, based on the companies we analyzed.

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The severity of the accident, meaning the dollar cost of property damage and/or injuries, can affect the amount of your surcharge. Ask your auto insurance agent how long the surcharge will affect your car insurance rates.

Best for Drivers With a DUI: Progressive
You can’t avoid higher rates after a DUI, but Progressive offers the most competitive pricing for drivers in this situation, based on nationwide averages among the companies we analyzed.

Car insurance companies will usually pull your motor vehicle report when you’re getting a new quote or when your policy is coming up for renewal. This is their chance to adjust rates based on your recent history of problems, and a DUI conviction will be a costly insurance problem.

Best for Military Members: USAA
With its consistently good rates and variety of coverage options, USAA remains the best car insurance option for military members year after year. While the level of complaints about USAA auto insurance has been rising over the past couple of years, its current complaint level is about average for the industry.

State Average annual cost for full coverage
Alabama $1,809
Alaska $2,323
Arizona $1,696
Arkansas $2,061
California $2,462
Colorado $2,489
Connecticut $1,730
Delaware $2,462
Florida $4,326
Georgia $2,181
Hawaii $1,633
Idaho $1,021
Illinois $2,345
Indiana $1,454
Iowa $1,238
Kansas $1,693
Kentucky $1,979
Louisiana $3,629
Maine $1,216
Maryland $3,349
Massachusetts $2,333
Michigan $2,995
Minnesota $2,360
Mississippi $1,704
Missouri $2,323
Montana $1,770
Nebraska $1,538
Nevada $3,342
New Hampshire $1,411
New Jersey $2,240
New Mexico $2,104
New York $4,769
North Carolina $1,307
North Dakota $1,319
Ohio $1,112
Oklahoma $2,291
Oregon $1,459
Pennsylvania $3,600
Rhode Island $2,715
South Carolina $2,387
South Dakota $1,821
Tennessee $1,720
Texas $2,938
Utah $1,955
Vermont $1,037
Virginia $1,486
Washington $1,829
West Virginia $1,688
Wisconsin $1,905
Wyoming $1,341
Source: Quadrant Information Services. Rates are based on liability coverage of 100/300/100 ($100,000 in bodily injury liability per person, $300,000 per accident, and $100,000 in property damage liability) uninsured motorist coverage and collision and comprehensive insurance with $500 deductible. 

What Is Car Insurance?
Car insurance is a contract between you and the insurance company that provides you with specific coverage in exchange for your premium payments. Your car insurance policy is the contract that outlines what you can make claims for.

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The best car insurance policies cover your liability (meaning damage and injuries you cause to others), damage to your own vehicle, and car accident injuries to you and your passengers.

If you fail to pay your car insurance bill, coverage lapses and any claims you make can be denied.

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