Top Rated Car Insurance Companies in USA

Top Rated Car Insurance Companies in USA

Not every auto insurance provider is the same. To understand more about drivers’ experiences with auto insurance, we polled more than 10,000 of them. We paid particular attention to important factors like customer service, claims processing, and brand loyalty. We evaluated the top vehicle insurance providers of 2022 using that information to help you choose the best.

Best Car Insurance Company

Our data from 2022 show that USAA is the finest auto insurance provider, however only military personnel can purchase its insurance policies. If that doesn’t apply to you, State Farm, which ranks No. 2 in our research, is your next best choice.

Top Rated Car Insurance Companies in USA 7 1
Top Rated Car Insurance Companies in USA

We looked at rate information as well as policyholder opinion to identify the top auto insurance providers, paying close attention to customer service, claims management, customer loyalty, and policy renewal. We also questioned survey respondents how likely it was that they would suggest their current insurance provider to a driver looking for a new coverage.

This list can assist you in comparing insurers for auto insurance depending on the criteria that are most important to you. Although USAA and State Farm are at the top of the list, one of the other eight firms may be a better option for you. As a result, it’s a good idea to research the costs of several insurers before you buy or renew your insurance.

Top Rated Car Insurance Companies in USA

Top Rated Car Insurance Companies in USA
Top Rated Car Insurance Companies in USA

COMPANY-US NEWS RATTING-AVERAGE ANNUAL RATE

  1. USAA
    4.3
    $1,000
  2. State Farm
    4.2
    $1,267
  3. Farmers
    4.1
    $1,917
  4. Nationwide
    4.1
    $1,327
  5. Geico
    4.1
    $1,148
  6. Allstate
    4.0
    $2,047
  7. Travelers
    4.0
    $1,371
  8. Progressive
    3.9
    $1,533
  9. AAA
    3.9
    $2,409
  10. American Family
    3.7
    $1,371
Top Rated Car Insurance Companies in USA
Top Rated Car Insurance Companies in USA

1.USAA-Rating 4.3

According to our ratings, USAA is the top insurance provider. Our survey from 2022 shows that USAA customers are the most satisfied, most willing to renew their insurance, and most likely to refer USAA to other drivers. In our survey, USAA had the lowest rates overall, outperforming the national average by 35%.

 

Only those in the military community can purchase USAA insurance products, such as auto, homes, and renters plans. As a result, not all motorists will qualify for coverage from this insurer.

Top Rated Car Insurance Companies in USA
Top Rated Car Insurance Companies in USA

2. State Farm-Rating 4.2

State Farm is No. 2 in our ranking and received ratings that were above average in each of our sub-ratings, including Customer Loyalty and Claims Handling. It also performed well in our ranking of the cheapest car insurance providers for 2022. For drivers who couldn’t get a coverage from USAA, its average prices for those with less than perfect driving records were the lowest in our assessment.

3. Farmers-Rating 4.1

In our rankings for Claims Handling and Customer Service, Farmers is tied for first place. In terms of customer loyalty, it is tied for second. Where Farmers didn’t perform as well was in Most Likely to Renewed where its score of 4.0 is below the category average of 4.2.

4.Nationwide-Rating 4.1

Since our 2021 analysis, Nationwide has climbed two positions and is now tied for third place. Nationwide receives above-average scores in all of the sub rating categories and ranks second in our Customer Loyalty and Most Likely to be Recommended sub ratings. Additionally, some drivers, particularly those with a clean driving record or bad credit, might get rates from Nationwide that are below average.

5. Geico-Rating 4.1

With average ratings across the board in areas including Customer Service, Claims Handling, and Customer Loyalty, Geico is ranked third in this year’s ranking. Its premiums are what set it apart, earning it the No. 2 spot in our ranking of the cheapest car insurance providers for 2022. For juvenile and senior drivers as well as those with bad credit, its rates trail USAA, which is rated highest.

6. Allstate-Rating 4.0

This year, Allstate rose three ranks, from No. 9 to No. 6. Although it received somewhat below-average ratings for the most of our sub ratings, it nevertheless placed fourth in our list of the most likely to be recommended sub ratings. Allstate’s prices are among the highest when compared to the other insurers in our survey, although some drivers, such as those with a speeding ticket, might find them to be somewhat competitive.

7. Travelers-Rating 4.0

Travelers also made some progress this year, climbing two spots to tie for the sixth slot. Despite having a worse customer service rating than seven other insurers in our survey, Travelers ranks first in the category for claims handling and third in the category for renewal likelihood. Also scoring above average for insurance renewal, Travelers provides premiums that are frequently cheaper than the national average.

8.Progressive-Rating 4.0

In our study, Progressive is ranked eighth. Customers are usually happy with how simple it is to open a policy, but Progressive comes in last in our Best for Customer Loyalty category and has below-average ratings across the board. Additionally, Progressive consumers claim that they are less inclined to repurchase insurance or refer the company to other motorists. However, people with a DUI could be able to use Progressive’s funds. In our investigation, its rates for those drivers are some of the lowest.

Top Rated Car Insurance Companies in USA
Top Rated Car Insurance Companies in USA

9. AAA-Rating 3.9

New to our list of the Best Car Insurance Companies, AAA is tied for eighth place with Progressive. Its scores are below average in each category we evaluated. It did, however, surpass Allstate, Farmers, Progressive, and American Family to claim the No. 6 spot in our Most Likely to be Renewed sub rating. Although AAA has the highest average premiums in our survey, drivers should request a quote to see if their particular rate is more affordable.

10. American Family3.7

American Family is now ranked No. 10 in our research after falling four positions this year. Its ratings are the lowest across the board, with the exception of our Best for Customer Loyalty category, where American Family beats Progressive by a hair. American Family does offer affordable rates for some drivers, particularly young drivers, those with bad credit, those with an accident or a DUI on their record, and those with low credit scores.

The Best Car Insurance Company

Our data and the results of a customer survey show that USAA is the top auto insurance provider overall. However, only active-duty and retired military personnel, along with their families, can purchase USAA insurance products. State Farm is the top auto insurance provider for drivers who are ineligible for USAA membership, coming in at number two in our poll.

Top Rated Car Insurance Companies in USA
Top Rated Car Insurance Companies in USA

Despite the fact that USAA and State Farm are at the top of the rankings, it is advisable to weigh the pros and downsides of various insurance providers. You may find the right insurance by doing this.

Additionally, USAA topped all five of our sub-rankings determined by consumer feedback. However, not every policyholder will be eligible for USAA membership. In order for all customers to learn about the top choice in each of these categories, we’ve selected the runner-up in each category.

If rates play a primary role in your decision, it’s also important to get and compare car insurance quotes. Though our study includes average rates data, your personal car insurance rate will depend on your age, location, driving record, credit score, and the preferred type and amount of coverage, among other things. A quote can help you accurately estimate costs and determine which insurers offer the best deal.

Best for Customer Service: State Farm and USAA

State Farm and USAA are ranked first and second, respectively. Customers of USAA who haven’t made a claim report that 65 percent of them are very happy with the company’s customer service. Nearly 64% of USAA customers say they are extremely satisfied with the insurer’s customer service, a figure that only slightly declines among those who have made a claim.

Top Rated Car Insurance Companies in USA
Top Rated Car Insurance Companies in USA

If USAA coverage is not an option for you, State Farm can be a better option. Almost 60% of State Farm customers who haven’t filed a claim say they are very happy with the level of customer service they received. Similar to USAA, State Farm has slightly lower customer satisfaction ratings among clients who have made a claim. 56 percent of survey participants claim to have had only positive customer service experiences.

Best for Claims Handling: Travelers

Any insurance policy must address claims management, and Travelers tops the list in this regard. It receives a score of 4.3 out of 5, making it the only insurer to surpass USAA, which tops the list in each of the other sub rating categories we looked at. Almost 62% of Travelers customers say they are entirely satisfied with how simple it is to file a claim, and 65% of them say they are completely satisfied with how their claim was resolved.

State Farm, Nationwide, and Farmers all scored above-average marks for their claims handling. Top Rated Car Insurance Companies in USA. The Top Rated Car Insurance Companies in USA.

Most Likely to be Recommended: USAA and Nationwide

It’s hardly surprising that USAA customers are most likely to suggest their insurer to other drivers looking for coverage given their competitive rates and high ratings across all categories we evaluated. Top Rated Car Insurance Companies in USA.

53 percent of USAA customers who have not yet made a claim say they are very likely to recommend the insurer for vehicle insurance, while another 18 percent say they are likely to do so. Customers of USAA are much more inclined to advocate for their insurer after making a claim. Among those we polled, 61% say they are very likely to suggest the insurer, and 8% more say they are inclined to do so.

Top Rated Car Insurance Companies in USA
Top Rated Car Insurance Companies in USA

If you aren’t eligible for USAA membership, think about Nationwide. Customers who have not yet submitted a claim are more likely than not—41%—would suggest Nationwide to other drivers, with 31% saying they would. Customers who have made a claim score Nationwide better. With 32% stating they are likely to do so, 42 of them believe they are extremely likely to refer their insurer. Top Rated Car Insurance Companies in USA.

State Farm and Allstate are two additional insurance providers that did well in this category.

Most Likely to be Renewed: USAA and State Farm

The likelihood of a policyholder renewing their coverage reveals a lot about their relationship with the insurer. By a narrow margin above State Farm, USAA has the highest customer loyalty rating.

78% of USAA customers who haven’t made a claim on their policy on average say they’re likely or very likely to renew it. Nearly 70% of those who have submitted claims in the poll say they would suggest USAA to other drivers.

Access to USAA insurance products is restricted, as was already mentioned. If you’re not eligible for membership, State Farm, which ranks No. 2 in our Most Likely to be Renewed sub rating, might be a good option.

When it comes time to renew their insurance, 76% of State Farm customers who have not yet made a claim say they are likely or very likely to stick with their existing insurer. When respondents who have made a claim are included, that percentage falls to 69%. Top Rated Car Insurance Companies in USA.

Best for Customer Loyalty: USAA and Nationwide

A policyholder’s readiness to suggest their insurer and renew their coverage is an indication of their level of customer loyalty. It should come as no surprise that USAA places #1 in this sub rating given its outstanding renewal and recommendation scores. If USAA isn’t an option for you, think about Nationwide. In our Most Likely to be Recommended category, it comes in second, and in our Most Likely to be Renewed category, it performs above average.

Top Rated Car Insurance Companies in USA
Top Rated Car Insurance Companies in USA

Additionally joining the list of businesses with above-average customer loyalty rankings are State Farm, Travelers, and Farmers.

How Much Does Car Insurance Cost?

The average cost of car insurance is $1,539, according to our most recent study. However, your premium may be higher or lower, depending on multiple variables, including:

  • Age
  • Driver record
  • Location
  • Type and amount of coverage
  • Credit score
  • Available car insurance discounts

Car insurance quotes are the easiest way to find out how much you may pay. You can get car insurance quotes online or by talking to an agent via email, over the phone, or in person.

How Much Car Insurance Do I Need?

Your insurance needs will vary depending on a number of variables. State standards are one of the most crucial predictors of how much coverage you might need. The majority of states have legislation requiring drivers to obtain a certain level of liability insurance. Other types of insurance, such as uninsured motorist coverage and personal injury protection, are also mandated by some jurisdictions for drivers (PIP).

Any requirements set forth by a lender or lessor come next. The amount of insurance you must carry is specified in your loan or lease agreement if you pay for your vehicle in monthly installments. Consult your loan contract or lease with your landlord or lessor.

Asked Questions?

Who are the top car insurance companies?

We surveyed more than 10,000 policyholders across the nation and found that the following insurers represent the top car insurance companies:

  • 1 USAA
  • 2 State Farm
  • 3 Farmers
  • 3 Nationwide
  • 3 Geico
  • 6 Allstate
  • 6 Travelers
  • 8 Progressive
  • 8 AAA
  • 10 American Family

We also evaluate insurers based on rates. If you’re looking for the most affordable coverage, check out our list of the Cheapest Car Insurance Companies of 2022-2023.

Who is insured for cars the best?

Our most current data study reveals that State Farm and USAA are the top two vehicle insurance providers. In our customer poll, USAA received the greatest overall rating and also places first in almost every sub rating we looked at. Of the auto insurers we looked at, it also had the lowest prices.
Only people who are in the military are eligible to purchase USAA items. Drivers who don’t fall into that category are likely to find the best coverage through State Farm, which offers rates that are less expensive than the national average and has the second-highest score in our survey.
Farmers, Nationwide, and Geico are among additional insurers with above-average survey results.

Which auto insurance is the most affordable?

According to our 2022 analysis, USAA offers the most affordable vehicle insurance. Its yearly average rate is $1,000, $539 less than the national average. The most affordable rates are probably available through Geico for drivers who don’t qualify for USAA coverage. The average annual premium at Geico is $1,148, which is $391 less than the national average.

Remember that your rate could not match the average rate offered by an insurer. Obtaining and comparing quotes from many insurers is the greatest strategy to discover the lowest rates that are offered to you.

How can I find the best price on car insurance?

The International Insurance Institute (III) advises consumers to compare quotations from at least three insurers in order to discover the best deal on auto insurance. Make sure to compare estimates for the same type and level of coverage when you hunt for insurance.

Visit our Everything You Need to Know About Car Insurance page for more advice on getting the best auto insurance, including information on coverage options and ways to save money.

The Best Car Insurance Companies and Collected Our Rates

In order to learn more about consumers’ experiences with their vehicle insurance provider, we polled 10,463 people who had opened a policy or made a claim within the previous five years. The satisfaction with customer service, communication of claim status, claim resolution, and overall value were all included in these questions. We also inquired about their opinion of the business and whether they intended to renew their insurance. Our ranking of the Best Car Insurance Companies was created using their responses.

While not all of the nation’s largest national auto insurance firms operate in every state, U.S. News and Quadrant Information Services examined a report of insurance prices in all 50 states from the majority of these companies to obtain comparative insurance rates for this study. Car insurers provide rate information to state regulators, which Quadrant got. Our study’s results are based on profiles of drivers between the ages of 25 and 60, both male and female. The cars used range in annual mileage from 6,000 to 12,000 and include the 2017 and 2021 Honda Civic, 2017 and 2021 Toyota RAV4, and 2017 and 2021 Ford F-150. Credit tiers of good, fair, and poor were employed, along with three levels of auto insurance coverage. both records and a clean driving record

We calculated the average rate for male and female drivers aged 25, 35, and 60 who drive 12,000 miles annually, have medium coverage, decent credit, and a clean driving record in order to arrive at the study rates given below. The prices listed here are intended for comparison and shouldn’t be regarded as the “average” prices offered by different insurers. Your car insurance prices will vary from the rates displayed here because car insurance premiums are based on individual circumstances.

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