Best Car Insurance Companies of 2019


When you drive a automobile, you want automobile insurance coverage. No matter the place you reside, automobile insurance coverage is a no brainer funding that may prevent 1000's in the long term because it protects you from paying big sums out-of-pocket in change for a comparatively small month-to-month premium. In fact, not all automobile insurance coverage is created equal, so we’ve compiled an inventory of one of the best automobile insurance coverage corporations that supply nice protection at a good worth.
We’ve analyzed studies from J.D. Energy, Shopper Stories and A.M. Finest to get a view of automobile insurance coverage corporations price trying out.

Finest Automotive Insurance coverage Firms of 2019

  • Amica Mutual: Finest Total. Amica is one of the best automobile insurance coverage firm total primarily based on a extremely rated buying expertise, sturdy monetary stability and one of the best array of protection choices.
  • State Farm: Finest for Buyer Service and Interplay. State Farm is one of the best automobile insurance coverage firm for customer support primarily based on superior claims dealing with and a greatest in school on-line quote software.
  • Progressive: Finest for Reductions. Progressive is one of the best automobile insurance coverage firm for reductions primarily based on extensively obtainable discount choices and a stable client expertise.
  • The Hartford: Finest Coverage Choices. The Hartford is one of the best automobile insurance coverage firm for a lot of completely different coverage choices together with new automobile substitute.
  • Geico: Finest for Tech-Savvy Shoppers. Geico is one of the best automobile insurance coverage firm for tech-savvy shoppers primarily based on a superior cellular app and a formidable quantity of reductions.
  • USAA: Finest for Members of the Navy. USAA is one of the best automobile insurance coverage firm for veterans and their households primarily based on a wonderful buy expertise and stable monetary stability rankings.

Amica: Finest Total Automotive Insurance coverage Firm

Amica was the strongest firm total in our analysis and obtained the very best score within the New England area in J.D. Power’s 2019 customer satisfaction report.
The insurer additionally obtained the very best Shopper Stories score amongst auto insurance coverage suppliers — because it has yearly since no less than 1999. Consumer Reports famous that an awesome variety of clients reported “comparatively few” issues in the course of the claims course of.

Professionals

  • A excessive J.D. Energy satisfaction score: Amica Mutual ranked as one of the best automobile insurance coverage firm within the New England area in J.D. Energy’s 2019 auto insurance coverage research.
  • Excessive monetary stability rankings: Amica boasts an A+ (Superior) monetary stability score from A.M. Finest, which is the very best score obtainable.
  • No restore facility restrictions: Not like most each different insurer, Amica has zero restrictions on which physique store you employ for repairs.
  • “Platinum Selection” protection: Amica provides an extra tier of protection known as Platinum Selection, which prices extra, however contains identification fraud monitoring, full glass protection, status rental protection, and rewards for good driving.
  • Finest array of protection choices: Amica provides essentially the most driver and automobile coverages of all our prime suggestions. Its record contains GAP insurance coverage and inside automobile protection, which aren’t supplied by State Farm, The Hartford, Geico, or USAA.

Cons

  • Fewer driver discount alternatives: Amica is lacking a number of key driver reductions, together with pre-pay, low-mileage and army reductions. Consequently, it scored solely 46 out of 100 in our driver discount analysis.
  • Few on-line assets: There are a number of FAQs on the positioning, however Amica lacks in-depth on-line supplies to assist clients get an entire grasp on their protection with out having to speak to somebody. Moreover, some coverage adjustments require direct help from an Amica agent, which could be time-consuming.

State Farm: Finest Automotive Insurance coverage Firm for Buyer Service and Interplay

State Farm is the biggest automobile insurance coverage firm within the nation, per the Insurance Information Institute in 2018. Luckily, it’s additionally top-of-the-line — particularly relating to the customer support expertise. In 2019, State Farm obtained excessive reward from J.D. Energy for its service interplay and claims dealing with. And of all of the insured drivers we surveyed, it obtained essentially the most optimistic remarks by far.
It's extremely simple to get in contact with State Farm. You may name one of many firm’s 18,000 brokers, log on, and even ship an image of your broken automobile along with your smartphone utilizing the State Farm mobile app. Examine that to Amica, which doesn’t let you join with an agent through an app, or file a declare by an agent.
State Farm additionally will get excessive marks for a pain-free buying expertise that lets potential clients name their native agent or chat with a consultant on-line if they've any questions.

Professionals

  • Superior claims dealing with: No different insurer makes it simpler to file a declare — a reality corroborated by its high service rating, 18,000 brokers nationwide and glorious cellular app. Most different auto insurers supply the essential trifecta of cellphone, app and e-mail to contact brokers, however State Farm’s is the best to make use of.
  • Nice monetary standing: State Farm has an A.M. Finest outlook of steady, and a A++ overall rating — the very best given.
  • Finest on-line quote software: Out of all of the competitors, State Farm has the best on-line quote software. In lower than 5 minutes, its software will information you fully by the method, replete with thorough examples of protection choices.

Cons

  • Lacking a number of frequent driver reductions: Like Amica, State Farm lacks two extraordinarily frequent reductions: pay-in-full and automatic-pay reductions. These two reductions don’t save a ton of cash, however they're undoubtedly good choices to have.
  • Lacks a few vital coverages: Not like its rivals, State Farm doesn’t supply stacked uninsured motorist or new automobile substitute coverages. That might be a deal-breaker for somebody who lives in a state with a really excessive fee of uninsured drivers.

The Hartford: Finest Automotive Insurance coverage Firm for Coverage Choices

The Hartford is just the nation’s 11th largest insurer, but it surely nonetheless packs a punch. In reality, it had the very best rating in our 12-category characteristic analysis (92 out of 100).
It additionally provides a variety of coverage choices and advantages, together with charges primarily based on how a lot you really drive your automobile and a brand new automobile substitute program for vehicles totaled shortly after buy. The Hartford was additionally the one insurer to attain an ideal 100 in our vehicle-discount analysis.

Professionals

  • Mechanical breakdown protection: Mechanical breakdown insurance coverage helps cowl the price of repairs that aren’t lined by your automobile’s guarantee. The Hartford is the one considered one of our prime picks that features this protection.
  • Helpful coverage advantages: The corporate offers not solely a stable set of coverages, but in addition a fantastic collection of coverage advantages. As an illustration, frequent vacationers will recognize The Hartford’s towing and roadside help packages.
  • Wonderful buy expertise: The Hartford is considered one of two nationwide suppliers to obtain an ideal “Total Buy Expertise” rating from J.D. Energy.

Cons

  • Merely common claims satisfaction: The Hartford obtained an ideal rating in our claims administration analysis, however in line with J.D. Energy, clients are much less impressed- it obtained a middle-of-the-pack three-star rating for service interaction.
  • Fewest on-line instructional assets: The Hartford provides the fewest on-line studying supplies amongst this discipline of rivals.

Geico: Finest Automotive Insurance coverage Firm for Tech-Savvy Clients

We’ve all seen the advertisements: The gecko with the charming accent, the cavemen, the “wee” piggy and that camel who loves Wednesdays. Catchy promoting apart, what makes Geico stand out from its rivals?
Like most automobile insurance coverage corporations, they advertises low charges (“15 minutes may prevent 15 % or extra in your automobile insurance coverage”). However what else? In line with J.D. Power’s 2019 U.S. Insurance Shopping Study, “The final decade of seemingly continuous direct-to-consumer promoting and heavy funding into digital self-service applied sciences have pushed roughly one-fourth of auto insurance coverage clients to undertake direct distribution fashions that bypass brokers in favor of do-it-yourself instruments.” Geico’s response to this appears to be its very fashionable cellular app.
Geico is the second-largest automobile insurance coverage supplier in the USA. Whereas they’re thought of second-tier by Consumer Reports (listed underneath dad or mum firm Berkshire Hathaway Insurance coverage Group), their clients fee them excessive within the classes of ease of reaching an agent, promptness of response, agent courtesy, and well timed fee Not dangerous by way of customer support.

Professionals

  • Superior cellular app: Geico’s cellular app provides the total suite of companies. You may quote, purchase and handle your insurance coverage, pay your invoice, get roadside help and submit a declare out of your cellphone. Mainly something you are able to do on their web site, you are able to do within the app. Within the App Retailer, Geico has greater than 1.54 million evaluations and a four.eight out of 5 star score. That is considerably extra customers — and much more rave evaluations — than apps from their rivals.
  • Good variety of reductions: Geico provides automobile tools, driving historical past and multi-vehicle reductions. It additionally provides extra financial savings alternatives for energetic and retired army (together with emergency deployment), and for federal staff (enjoyable reality: Geico is an acronym for Authorities Workers Insurance coverage Firm).

Cons

  • Doesn’t supply hole insurance coverage: GAP (assured asset safety) insurance coverage, which pays off the remainder of your auto mortgage if you happen to wreck the automobile whilst you nonetheless owe greater than it’s price, might matter to you if you happen to made a small down fee in your automobile or if you happen to lease it.
  • Predominantly digital expertise: When you’re hoping to take care of a neighborhood insurance coverage agent in individual or over the cellphone, chances are you'll be out of luck. Most clients deal immediately with Geico customer support brokers by the web site, and claims are sometimes dealt with on-line.

USAA: Finest Automotive Insurance coverage Firm for Members of the Navy

All through our analysis, we discovered that USAA’s stellar repute holds true. When you’re a member of the U.S. armed forces otherwise you’re associated to at least one, there is no such thing as a higher possibility.
USAA is among the three highest-rated automotive insurers within the nation. The one draw back is its restricted availability: Solely energetic service members, veterans, and their households are eligible. Given these restrictions, the quote course of is a little more intense in contrast with its rivals, however that’s a small worth to pay for its exemplary service.

Professionals

  • Flawless buy expertise: USAA obtained a “higher than most” score in J.D. Energy’s 2019 report, giving it one of many prime rankings nationally.
  • Stable monetary stability: A.M. Finest provides USAA the very best attainable stability score of “Superior.”

Cons

  • Membership restrictions: USAA is offered solely to members of the army and their instant household.
  • Lacking three key automobile coverages: USAA doesn’t supply hole insurance coverage, inside automobile protection or new automobile substitute protection.
  • Predominantly digital expertise: If you wish to work with a neighborhood insurance coverage agent in individual, you’re out of luck. USAA customer support brokers and claims submissions can be found by the USAA web site and over the cellphone.

Progressive: Finest for Reductions

Progressive is the fourth-largest auto insurer within the U.S. and provides a formidable array of reductions and particular coverages that would scale back your month-to-month invoice fairly a bit. For instance, the Snapshot tool permits Progressive to base your fee in your driving habits. Progressive additionally earned an “A+ Superior” stability score from A.M. Finest, so the corporate is on stable monetary footing to cowl any claims.

Professionals

  • Pet harm protection: Progressive provides free pet harm protection, which is included with collision protection and pays for vet payments (as much as a specified quantity) that end result from a automobile accident. It might be a serious draw for pet house owners.
  • Extensively obtainable discount choices: Nearly each policyholder will qualify for no less than one discount, Progressive says, so it’s price getting a quote. Only a few methods to save lots of: Earn a good student discount, use the Identify Your Value software and show you’re a house owner (even when your property isn’t insured by Progressive).
  • Stable client expertise: Though Progressive isn’t rated on the very prime — J.D. Energy provides it a mean rating throughout the board — Shopper Stories clients say this insurer is “superb” at offering entry to brokers, a easy course of, immediate responses, paying for harm and speaking; plus, it’s “glorious” at making well timed funds.

Cons

  • Room for enchancment: Different insurers on this record fee a lot larger for coverage worth and total buyer expertise. When you purchase protection and also you’re sad with the service, your greatest guess is to buy round and alter insurers as soon as your contract is up.

Different Automotive Insurance coverage Firms to Think about

Not all of our prime picks for one of the best automobile insurance coverage corporations can be found in all areas of the nation, so listed here are another good insurers price trying out.

Erie Insurance coverage

When you stay within the South, Midwest, or Mid-Atlantic areas, Erie Insurance is price your consideration. Erie has constantly obtained excessive marks from J.D. Energy and Shopper Stories. In 2019, Erie Insurance coverage ranked first within the Mid-Atlantic area in J.D Energy’s annual research.
The explanation it didn’t make it into our prime 5 suggestions is because of restricted availability — it solely serves residents of Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and sure elements of the District of Columbia.
Exterior of that, Erie is among the greatest industrial auto insurers, providing insurance policies that come customary with protection for street service, lawyer charges, and lack of earnings. It additionally has complete protection choices that embody extras comparable to cash towards rental vehicles after a crash — which is an add-on coverage with most insurers.

Auto-Homeowners Insurance coverage

Auto-Owners Insurance is offered in 26 states positioned primarily within the South and Midwest. It makes use of an agent-only mannequin that promotes buyer relationships, so it’s a fantastic selection if you happen to desire speaking to a human being. The corporate additionally scored a virtually good rating in J.D. Energy’s 2019 satisfaction report, falling quick solely within the realm of its rental automobile expertise.
Listed below are the states the place Auto-Homeowners Insurance coverage operates: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin.