8 Best Car Insurance Companies of April 2023

Whether you’re looking mập switch insurers or this is your first giây phút picking out a policy, our picks for best tự động hóa Car for rent
companies offer all the coverage you need .
The companies on our danh sách all offer the five main types of coverage : collision, comprehensive, personal injury protection, liability, & uninsured / underinsured motorists coverage .
They also have a slew of discounts Khủng help offset the cost of your monthly premium. You can lower your rate by choosing paperless billing, insuring multiple cars, taking safe driving courses & staying with the same company, among others .

We prepared a comprehensive breakdown of each company’s policies, provisions và perks phệ help you on the road phệ solid & affordable protection .
So, hop in as we nhận xét the eight best tự động insurance companies for April 2023 .

Our Top Picks for Best Car Insurance Companies of April 2023

  • Amica Mutual – Best Car Insurance Package
  • Progressive – Best for Customizable Premiums
  • State Farm – Best for Young Drivers
  • Farmers – Best for Essential Worker and First Responder Discounts
  • Nationwide – Best for Flexible Policies
  • GEICO – Best Mobile App
  • Allstate – Best Usage-Based Insurance Program
  • USAA – Best for Military Members

Best Car Insurance Companies Reviews


  • Free airbag replacement (after it deploys)
  • Lock replacement if your keys are stolen
  • $1K for bail bonds and wage reimbursement if you’re required to appear in court
  • Offers non-binary option for gender


  • Doesn’t offer rideshare insurance
  • Not all features are available nationwide
  • Coverage not available in Hawaii


Above average (895/1,000)
NAIC Complaint Index
Below median (0.48)

Why we chose it: Amica Mutual made our list for its Platinum Choice Auto policy, which lets drivers earn Advantage Points rewards and save significantly on their deductible.

Amica Platinum Choice Auto Policy is a ready-made package that includes all the basic coverage most people need, in addition Khủng chất lượng perks such as identity fraud monitoring .
In addition, it offers deductible-free glass coverage, rental car coverage & an Advantage Points program where drivers can earn points phệ reduce their deductibles or keep rates from increasing after a claim .
For drivers who prefer béo pick và choose, Amica breaks lao dốc its coverage into two categories : the things you need Khủng have & those that are nice phệ have. You can customize your kế hoạch bự include these extras, but keep in mind that they might make a considerable difference in your premium .
Thes e extras include : MedPay, which provides extra medical coverage for bills và funeral expenses. Collision béo cover accident-related damage và comprehensive collision bự fix non-accident related damage, such as from fire, natural disasters or theft .
Two important riders that Amica provides are a credit monitoring service that very few competitors offer ( and Amica includes in the platinum kế hoạch ) và guaranteed asset protection ( GAP ), which covers the “ gap ” between what you owe và the depreciated value of your car if it’s totaled .
As for customer satisfaction, Amica has had the highest score in the New England region for 10 years in a row in J.D. Power’s Auto Insurance Customer Satisfaction study. Amica also has a low National Association Of Insurance Commissioners ( NAIC ) complaint ratio ( rate increases và delays in claims handling are recurring issues ) & received a B + in the 2022 CRASH báo cáo thẻ, where mechanics rate insurers based on how they handle policies & make payments .

Amica car insurance discounts

  • Bundling policies and insuring multiple vehicles
  • Paperless payments, up-front premium payments and AutoPay
  • Good driving habits: being claim-free for three years and taking a defensive driving course
  • Young drivers: for completing a training program, students with good grades and full-time students away at school
  • Having anti-theft devices, passive restraint or electronic stability features
  • Loyalty discounts after two years of being insured
  • Legacy discounts for drivers under 30 whose parents have been insured with Amica for at least five years

Amica car insurance tools

  • Mobile app: track claims, request roadside assistance, pay bills
  • Car Connection tool for comparing prices on new and used cars


  • Save on your premium by signing up for the drive-monitoring program
  • Look for premiums within your budget with its Name Your Price tool
  • Compare quotes with Progressive’s comparison tool
  • Loyalty Reward program


  • Pricing may vary depending on whether you buy online or over the phone
  • Discounts vary and are not available in all states


Below average (862/1,000)
NAIC Complaint Index
Above median (0.82)

Why we chose it: We picked Progressive as the best car insurance for customizable premiums because its Name Your Price tool lets drivers pick coverage that fits their budget.

Customization sets Progressive apart from the rest. With the Name Your Price công cụ customers mix a budget và Progressive creates a policy béo match it. From there, policyholders can pick & choose coverage limits và deductibles .
For example, you can increase the deductible for collision coverage & save on your premium ; however, note that if you’re in an accident, you’ll have bự pay a higher amount before the insurance kicks in .
Among the notable add-ons Progressive offers is GAP coverage. For an extra USD 14 a month, this coverage pays up mập 25 % of the difference between the value of the vehicle & what you owe. Another valuable add-on is the custom equipment coverage that you can use Khủng repair any accessories meant lớn aid mobility, a GPS system or any other customization you’ve done phệ the vehicle .
Progressive also covers some things that few other insurers vì. One is rideshare coverage, which covers you if you work for any type of rideshare service ( Uber, Lyft or even food delivery ), whether you bởi vì it đầy đủ giây phút or as your side hustle. In addition lớn this, Progressive’s collision policy covers medical care for any injuries your pet sustains during an accident .
In terms of savings, Progressive’s telematics Snapshot program uses driving dữ liệu such as acceleration, braking và distance và gives drivers a discount for safe driving behavior. It also gives customers the option of joining its deductible savings ngân hàng. This program puts USD 50 into savings every six months that go by without a claim until it reaches your deductible limit. Then, if you tệp tin a claim your deductible will already be paid for .
As for customer satisfaction & complaints, Progressive’s 862 out of 1,000 in JD. Powers Auto Claims Satisfaction Study is đôi mươi points below the industry average và puts them second mập last on the danh sách, while its NAIC complaint index sits around the national average .

Progressive car insurance discounts

  • Bundling auto insurance policy with home, renters or life insurance
  • Insuring multiple vehicles
  • Choosing automatic and paperless payments
  • Maintaining continuous coverage with Progressive
  • Teen driver discounts: full-time students with good grades and students away from home

Progressive car insurance tools

  • Find coverage options within your budget with the Name Your Price tool
  • Car insurance calculator based on your state and personal details
  • Get personalized rates with Snapshot, a usage-based insurance program (not available in California or North Carolina)
  • Mobile app: view your driving status, see recent trips and learn ways to improve your driving


  • Available in most states
  • Save money with Drive Safe & Save and Steer Clear programs
  • Travel expenses coverage


  • Drive Safe & Save program not available in CA, MA or RI


Above average (892/1,000)
NAIC Complaint Index
Below median (0.70)

Why we chose it: We chose State Farm as the best car insurance for young drivers because it rewards teenage student drivers with a GPA of 3.0 or higher with up to 25% in savings.

Teen drivers are the most expensive to insure, but State Farm stands out from other insurers by offering teen driver steep discounts that can offset the high premiums. With the Good Student Discount policyholders can save up to 25% if their teen driver keeps a GPA of 3.0 or higher until they turn 25. Drivers under 21 can also get a discount for taking a driver’s ed course.

Additionally, the “Student Away at School” discount helps customers save by only covering the student while at home on vacation and holidays.

State Farm is well known for its network of close to 19,000 agents across all fifty states. This makes it ideal for people who prefer more personalized service, and who prefer to have a dedicated agent they can go to with questions.

As for its policies, State Farm offers rental cars and travel expenses coverage for when you’re in an accident 50+ miles from home. Others cover road assistance if your car breaks down (i.e. you get a flat tire, need a jumpstart, or you locked your keys inside the car), whereas State Farm’s travel expenses coverage extends its roadside assistance if you’re in an accident and the accident is covered by your comprehensive and collision insurance. This pays up to $500 per loss for expenses like hotel and food, as well as a rental car while your car is in the shop.

One of State Farm’s notable discounts is the Drive Safe and Save telematics program which monitors your speed, braking and other driving factors and provides feedback on these. State Farm gives you a discount just for enrolling and once you start using the app you can get up to 30% discount for safe driving habits.

In J.D. Power’s 2021 Auto Insurance Customer Satisfaction report, State Farm was the highest ranking car insurer in the Southwest region and came in second in Texas, New York and the New England and Northwestern regions. State Farm improved its NAIC customer complaint index lowering its score from 0.71 to 0.67.

State Farm car insurance discounts

  • Bundling with renters, homeowner’s or life insurance policies
  • Insuring multiple vehicles
  • Drive Safe & Save telematics program rewards you for good driving habits
  • Defensive driving courses (in select states)
  • Vehicle safety features (seatbelt, airbags on older vehicles)

State Farm car insurance tools

  • Mobile app: pay bills, file claims, request roadside assistance, view ID cards and link your bank account
  • Make car reservations through Enterprise or Hertz
  • Directory of reliable auto repair shops

Why we chose it: We chose Farmers as the best car insurance for essential workers due to its array of discounts tailored specifically for teachers, healthcare workers and other first responders.


  • Guaranteed Value coverage pays out an “agreed value” if your car is totaled
  • Has multiple discount categories available
  • Discount for alternative-fuel vehicles (first insurer to offer this)


  • Discount eligibility and percentage varies depending on your place of residence
  • Does not offer GAP insurance


Above average (893/1,000)
NAIC Complaint Index
Below median (0.82)

Why we chose it: Farmers is our pick as the best car insurance for essential workers for its array of discounts aimed specifically at teachers, healthcare workers and other first responders.

Although Farmer’s rates aren’t the lowest on the market, it offsets these by offering policies và discounts that not many other insurers offer. One example is its Affinity discount, which gives healthcare professionals, members of certain organizations as well as active, reserve or honorably discharged military personnel .
Another notable discount is the Senior Driver discount for people end 55 ( or 65, depending on the state ) who take a state-approved safe driver training. This is valuable because senior drivers, lượt thích teen drivers, pay higher premiums because they’re seen as riskier phệ insure .
For classic car enthusiasts, Farmers offers classic & collector car insurance. With this coverage, you can protect your collectible at the car show lao dốc the road or even while abroad. Policyholders can pair this with spare parts coverage và get up lớn USD 750 for spare part repair or replacement, at no extra cost .
A drawback béo Farmers is its slightly higher than average rates ; however its quality offerings makes it a great option for those who are willing béo spend a bit more for custom coverage .

Farmers car insurance discounts

  • Bundling insurance policies and insuring multiple vehicles
  • Student discounts for good grades and being away from home
  • Automatic, paperless and on-time payments
  • Shared family car (not available in California)
  • Anti-theft, anti-lock brake and passive restraint systems
  • Hybrid/electric vehicles or those powered by other alternative fuels (only in California)
  • Discounts for military members and other essential service professionals

Farmers car insurance tools

  • Mobile app: chat with an agent, request roadside assistance, get a quote
  • Specialty insurance options like motorcycle and boat insurance


  • Get discounts with the SmartRide safe driving app
  • Pay based on how many miles you drive
  • Get up to a $500 cash bonus with the purchase or lease of a qualified new car or vehicle


  • SmartRide and SmartMiles discount availability vary per state and coverage selected
  • Accident forgiveness is not available in all states


J.D. Power Score
Below average (876/1,000)
NAIC Complaint Index
Below median (0.34)

Why we chose it: We chose Nationwide as the best for flexible policies because it offers a free yearly policy evaluation where drivers can review their coverage, ask questions, make changes and apply for discounts.

Nationwide offers a variety of standard và optional coverage bự choose from. To help drivers choose the right coverage year after year, Nationwide provides the On Your Side Review, a yearly evaluation where customers can bring up questions about their policy và evaluate whether the discounts & benefits still work for them .
Nationwide offers two programs that can help you save based on your driving habits. SmartRide is a telematics program that tracks your driving ( miles driven, idle phút giây, night driving acceleration và braking ) & gives you feedback mập improve your driving. You get 10 % off by signing up và can save up Khủng 40 % based on how safely you drive. The other program is SmartMiles which charges a base rate of $ 60 & a variable rate of $ 0.07 per mile driven every month .
Nationwide also offers the Vanishing Deductible. This discount rewards you with USD 100 off your deductible for each accident-free year, up bự USD 500. So, let’s say you’ve been with Nationwide for four years without incident. If you bởi have an accident in your fifth year you’d pay a $ 100 deductible & you’ll continue earning a yearly reward of $ 100 the next year .
Nationwide boasts the lowest NAIC complaint index on the danh sách with 0.39, however its ranking on J.D. Power’s U.S. Customer Satisfaction study was below average .

Nationwide car insurance discounts

  • Save an average of $646 when bundling auto and home insurance
  • Vehicle safety and anti-theft devices
  • Automatic and paperless billing
  • Safe driver rewards for customers who go five years without major violations or at-fault accidents
  • Complete a defensive driving course
  • Good student discounts for drivers aged 16 to 24 who maintain a minimum B average

Nationwide car insurance tools

  • Mobile app: manage insurance policies, make payments, file and track claims and request roadside assistance
  • SmartMiles, a pay-per-mile car insurance program for low-mileage drivers
  • SmartRide, a usage-based car insurance program for safe drivers


  • Pay bills or request roadside assistance with the mobile app
  • Coverage calculator
  • Discounts available to federal and military employees, seniors and students


  • Accident forgiveness not available in CA, CT and MA
  • Does not offer GAP insurance


A.M. Rating
J.D. Power Rating
Above average (881/1,000)
NAIC Complaint Index
Below average (0.62)

Why we chose it: GEICO’s mobile app not only lets you access digital insurance cards and file claims, it also connects to CARFAX which gives you access to your vehicle’s history and check for recalls.

While the first thing that comes bự mind when you think of GEICO is its gecko mascot, where its service stands out the most is its completely digital experience, which is ideal for those who would rather go trực tuyến than hotline customer service .
With GEICO’s dế yêu ứng dụng, policyholders can request roadside assistance, upload photos Khủng get damage estimates as well as submit & manage their claims. It can also serve as a type of “ agent in your pocket ” that answers insurance-related questions và helps you stay on top of your car’s history, sending you alerts about recalls or when it’s thời gian for maintenance .
GEICO offers all the standard types of coverage, such as bodily injury liability, collision, comprehensive, uninsured / underinsured motorist & medical coverage. Its site offers a breakdown of these along with information on limits, premiums & deductibles Khủng help customers create a policy that fits their needs & budget .
It also offers a slew of discounts lớn help customers lower their rates. Thes e are divided into four areas : vehicle equipment, driving history & habits, driver affiliation & customer loyalty. For example, their anti-theft system discount can save members up bự 23 % và a driver that has gone accident không tính tiền for 5 years can save up phệ 22 % .
GEICO also offers notable discounts for the military — one for being an active or retired thành viên & one in case of emergency deployment. Thes e can save policyholders 15 % & 25 % respectively. Of all the companies on our danh sách, GEICO is one of only two who offer such discounts for military personnel .
As for third-party ratings, GEICO scored above average in almost every region surveyed by J.D. Power’s 2022 U.S. Auto Insurance Customer Satisfaction study, with the exceptions being Texas, và the Mid-Atlantic & Southeastern regions .

GEICO car insurance discounts

  • Equipment discounts for new cars, airbags, anti-lock brakes, anti-theft systems and others
  • Being accident-free for five years
  • Using a seatbelt, taking defensive driving or driver’s education courses and being a good student
  • Affiliation discounts for military members and federal employees
  • Insuring multiple vehicles and having multiple policies
  • Senior driver discounts for drivers over 50

Geico car insurance tools

  • Mobile app: access ID cards, pay bills and request roadside assistance or customer support 24/7
  • DriveEasy telematics program rewards safe driving behavior
  • Car insurance coverage calculator


  • Get driving insights and discounts for safe driving with Drivewise
  • Safe Driving Bonus for every 6 months you’re accident-free
  • Get discounts for new cars and teen drivers


  • Drivewise program not available in every state
  • Premiums vary depending on whether you buy online or through a local agent


A.M. Best Rating
J.D. Power Rating
Below average (870/1,000)
NAIC Complaint Index
Above median (1.12)

Why we chose it: We chose Allstate’s as the best auto insurance for usage-based programs due to its Drivewise telematics feature, which helps drivers save by tracking their driving, offering feedback and rewarding them for being safe on the road.

Nowadays, the best tự động hóa insurance companies offer telematics và our top pick from among them is Allstate Drivewise. This telematics provides feedback on your driving behavior và rewards you for safe driving. Customers get 10 % off just for signing up & can save up bự 40 % with all the combined discounts .
One of Drivewise’s notable safety features is crash detection. As the name says, it detects when you’re in an accident — regardless if you’re the driver or passenger — và sends you a notification offering phệ liên hệ roadside assistance or 911 .
Allstate also stands out when it comes lớn bundling discounts. Customers can get 10 % off tự động hóa insurance và 25 % off homeowners when they get both policies. In contrast with other providers, Allstate’s trang chủ insurance policies include flood protection, making bundling a very attractive alternative .
Additionally, unlike many competitors, Allstate offers coverage in Mexico for either your own vehicle or a rental while you travel. This makes them a great option for customers in Texas & other border states .
Having said that, Allstate’s low customer satisfaction scores in both J.D. Power’s 2020 studies ( Claims Satisfaction và Auto Insurance Customer Satisfaction ) could be cause for concern, especially because these scores haven’t improved much in the 2022 Auto Insurance Study. ( lưu ý that the 2022 Claims Satisfaction study has not been published ). Customer satisfaction varies by specific location, so sánh our advice would be mập research Allstates service in your area Khủng determine if it’s a good fit for you .

Allstate car insurance discounts

  • Vehicle equipment discounts for new cars, anti-lock brakes and anti-theft devices
  • Multiple policies
  • Safe driving
  • Signing your policy seven days before it becomes effective
  • Not missing any payments for a year
  • Discount for students with good grades, those who study away from home and complete a driver’s education program
  • Automatic payments, full payments and paperless billing

Allstate car insurance tools

  • Mobile app: access ID cards, pay bills, report claims, request roadside assistance and accident support
  • Drivewise, a usage-based insurance program
  • Milewise, a pay-per-mile car insurance program
  • Bumper-to-Bumper Basics, a tool for selecting the right coverage limits and deductible


  • The highest overall customer satisfaction rating out of the companies we reviewed
  • Offers family discount for members whose parents were customers of USAA
  • Available in all 50 states, including Washington, D.C.


  • Not available to civilians
  • Offers fewer specialty coverages compared to other car insurance providers


A.M. Best Rating
J.D. Power Rating
Highest Overall (909/1,000)
NAIC Complaint Index
Above median (0.85)

Why we chose it: Our pick for the best car insurance company for military families and veterans is USAA because it caters specifically to these groups and has one of the highest customer satisfaction ratings of all the companies we reviewed.

In J.D. Power’s 2022 Auto Customer Satisfaction Study, USAA scored the highest in all states & regions studied except California. ( cảnh báo that USAA did not earn a rank because, according mập J.D. Power, it doesn’t meet the study award criteria. )
Like other companies, USAA offers a variety of discounts with some quality features. Thes e include a car storage discount for those members who store their vehicle at a military installation. In this case, customers get up Khủng 60 % off their policy & could save up bự 15 % on comprehensive coverage for storing their car in a military base or installation. It also offers a low-mileage discount that both stateside & deployed members can benefit from .
Another area where USAA shines is its Safepilot telematics program. By enrolling, members get an automatic 10 % discount & then stand mập earn up Khủng 30 % off for safe driving. However, note that Safepilot works through an phầm mềm, và the latest ra mắt for these show a pattern of complaints describing the last cập nhật as “ buggy ” & frustrating mập use .
Although well known for customer service, recent ra mắt logged with the Better Business Bureau point béo a possible slump. Customers complained about problems with the claims process & inconsistent customer tư vấn .
Although USAA is one of the best providers out there for military members, we recommend you make sure that USAA’s other insurance policies are a good fit as well, for there may be other providers that offer a better bundle .

USAA car insurance discounts

  • Safe driver discount for being accident-free for more than five years
  • Defensive driving discount for taking an approved course
  • Driver training discount for completing a basic driver training course
  • Good student discount for teenage drivers with good grades
  • New vehicle discount for a car that’s less than three years old
  • Multi-vehicle discount
  • Vehicle storage discount
  • Family discount
  • Military installation discount
  • Automatic payments

USAA car insurance tools

  • Mobile app: manage policy, get car insurance quotes, get auto ID cards and transfer funds

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Other car insurance companies we considered


  • Above-average customer satisfaction rating with J.D. Power
  • Ability to lock in rates until you change covered drivers, covered car or home address


  • It only operates in IL, IN, KY, MD, NY, NC, OH, PA, TN, VA, WV, WI and DC

Erie came in as the top tự động hóa insurance company in J.D. Power’s 2022 Auto Customer Satisfaction Study in both the Mid-Atlantic & North-Central regions .
The Rate Lock feature helps Erie stand out among the rest. This chất lượng feature freezes policyholders insurance premium year after year — even after filing a claim. We found no other provider that offers this feature .
When it comes lớn discounts, Erie offers similar ones phệ others on our danh sách — notable among these are diminishing deductibles, first accident forgiveness và vehicle storage .

Why Erie didn’t make the cut: This provider only operates in 12 states and the District of Columbia.


  • Save up to 30% on your policy for safe driving with RightTrack app
  • Get a discount for your hybrid or electric vehicle
  • Get a better price when you purchase your policy online


  • Second highest NAIC complaint ratio out of all insurers on our list
  • Accident forgiveness not available in CA

Liberty Mutual didn’t make our main danh sách because it has one of the highest complaint ratios with the National Association of Insurance Commissioners ( NAIC ) from the companies we evaluated. This is not béo say that its coverage is poor or lacking .
Like many other companies, Liberty Mutual offers medical expense payments, uninsured motorist, personal injury protection, liability coverage, collision và comprehensive coverage. It also offers riders such as roadside assistance, GAP coverage & rental reimbursement .
Some quality features include coverage for teachers who store valuable supplies in their cars & its lack of caps on the discounts you can accrue. It also provides a coverage calculator right on its site which you can use Khủng determine the màn chơi of protection you want .

Why Liberty Mutual didn’t make the cut: Liberty Mutual didn’t make our main list because it has one of the highest complaint ratios with the National Association of Insurance Commissioners (NAIC) from the companies we evaluated.


  • Features two accident forgiveness plans
  • Intellidrive program can reduce rates by as much as 20%
  • Optional premier program combines new car replacement, loan/lease GAP coverage and a glass deductible


  • High NAIC complaint index compared to other insurers
  • Rideshare coverage only available in CO and IL
  • Not available in AL, HI, LA, MI, ND, SD or WV

Travelers can give you a quote in five minutes or less, & you don’t even have phệ provide a driver’s license number. If you request your car insurance quote while you’re still insured with another company, you might receive a discount of up bự 10 % once you sign up .
Travelers ‘ coverage options include liability, collision, comprehensive, personal injury protection và medical expenses. It also offers additional coverage options lượt thích loan / lease GAP coverage, rental reimbursement, accident forgiveness, hot nhất car replacement & roadside assistance. Note that it only offers rideshare coverage for Uber or Lyft drivers in Colorado và Illinois .
Travelers ’ didn’t make our danh sách because it doesn’t offer car insurance in Alaska, Hawaii, Louisiana, Michigan, South Dakota, North Dakota or West Virginia .

Why Travelers didn’t make the cut: Travelers didn’t make our best auto insurance list because it doesn’t offer policies in Alaska, Hawaii, Louisiana, Michigan, South Dakota, North Dakota or West Virginia.


  • Compare online quotes from multiple top insurance providers at the same time
  • Users can compare other types of policies such as home, renters and life insurance


  • Doesn’t offer quotes, the website redirects you to lender websites
  • May share information you provide with lenders and other third parties

If you’d lượt thích Khủng compare car insurance quotes from different companies, the QuoteWizard marketplace is a great option. Its site makes it fairly easy béo compare quotes và types of coverage from the major companies, saving you the giây phút it would take phệ liên hệ each individual provider .
Do note that the quotes provided are estimates as there are many factors that affect your premium và average rates, including your vehicle make và Model, location &, of course, the type of coverage you want. You’ll also have béo kiểm tra local & state laws bự make sure your policy meets the minimum liability requirements .
QuoteWizard didn’t make our danh sách because it’s a marketplace, not an insurance provider, therefore its quotes vì not reflect the price customers will over up paying .

Why Quote Wizard didn’t make the cut: QuoteWizard didn’t make our list because it’s a marketplace, not an insurance provider, therefore its quotes do not reflect the price customers will end up paying.


  • Partners with other auto insurance companies
  • Requires you to enter personal information before connecting you with its provider network


  • Allows drivers to compare coverage from comparing multiple companies
  • Coverage varies by provider

Spark Auto Insurance is an trực tuyến marketplace where customers can compare quotes & coverage from some of the best insurance companies in the market such as Progressive, State Farm, Liberty Mutual, Travelers & Allstate .
This network of providers offers standard & optional coverage options, such as bodily injury liability, damage liability, collision, comprehensive, personal injury, medical payments và underinsured motorist, among others .
To get a quote, users need lớn input đầu vào basic information such as their address, vehicle make và Model & marital status. Spark then shows one or more results from providers that offer a policy béo match their particular profile .

Why Spark Auto Insurance didn’t make the cut: When we tried to get quotes for a hypothetical customer it yielded just one result.

Car Insurance Guide

In this section, you will learn what tự động insurance covers, the types of coverage most companies offer & what can raise ( or lower ) your monthly premium .
We also include a step-by-step guide on buying car insurance & explain why car insurance is worth your money .

How does car insurance work?

Auto insurance helps you cover losses stemming from theft, collision & liability involving your vehicle. In simple terms, you pay premiums lớn an insurer, & it pays for any losses as stipulated in your policy, which generally includes damage bự other vehicles & injury béo the persons involved .
Thes e policies always feature a deductible, that is, an amount you must pay out of pocket before the insurer covers the rest. Thes e can range from USD 250 all the way Khủng USD 2,000. Policies with higher deductibles will cost less than those with lower deductibles because you’ll assume more of the cost of repair or replacement in the sự kiện of an incident .
Car insurance does not typically cover property within your vehicle, however. For example, if someone breaks into your car & steals your máy tính, the insurer will pay mập replace the window và any other damage done phệ the car, but not the computer. In order bự cover that, you would need homeowners or renters insurance .
Auto insurance is regulated at the state cấp độ, so sánh your policy’s minimum liability limits will depend on local laws. Except for New Hampshire và Virginia, all other states require drivers mập buy car insurance or pay some sort of fee if uninsured .

Types of car insurance coverage

There are seven standard components of car insurance coverage :

  1. Liability insurance includes property damage and bodily injury liability; the latter covers medical expenses to others stemming from an at-fault accident.
  2. Uninsured/underinsured motorist coverage covers medical bills and repairs if you’re in an accident caused by another driver with little or no insurance.
  3. Comprehensive coverage covers repairs if your vehicle is damaged by something other than another vehicle (including hail, fire, floods, theft and vandalism).
  4. Collision coverage covers repair costs to your vehicle if you’re involved in a car accident that is deemed to be your fault.
  5. Medical payments coverage covers medical expenses if you or your passengers are injured in an accident.
  6. Personal injury protection (PIP), also known as no-fault insurance, covers medical bills, loss of wages and funeral costs for you or your passengers if you’re in an accident, regardless of who is at fault.
  7. Guaranteed asset protection (GAP), supplements your car insurance when you owe more on the car than its cash value. This would typically not be covered under a regular policy.

In addition béo these, optional insurance riders can give you additional coverage such as roadside assistance, glass replacement và rental reimbursement at an extra cost .

What does full coverage car insurance cover?

Full coverage tự động insurance refers phệ a combination of liability, collision & comprehensive coverage. Thes e coverage options financially protect drivers by reimbursing them for damages mập their vehicle, injuries mập passengers, & any damages phệ other cars và their occupants .

How much is car insurance?

Car insurance costs $ 1,204 on average, according Khủng The National Association of Insurance Commissioners ( NAIC ) ’ s most recent Auto Insurance Database Report. However, this can vary greatly depending on a wide range of factors. In fact, the NAIC explicitly mentions that state-to-state comparisons are difficult mập make because of the high degree of variability on insurance requirements và other factors .

Common factors that increase premiums

While your driving record & the type of car you drive influence your premium, there are other factors that affect what you pay for car insurance. Broadly speaking, the higher the risk you seem béo present for an insurer, the higher the premium will be .

What drives up car insurance premiums?

Here are some of the factors that will determine your premium .

  • Car usage: If you don’t drive often, there are fewer chances you’ll be involved in an accident. The opposite is also true; the more you drive, the more likely the insurance company has to pay out a claim, which leads to higher premiums.
  • Place of residence: Where you live influences your car insurance premium. Generally, metropolitan areas like New York City, for instance, have higher vehicle theft and vandalism rates than rural neighborhoods, which means a higher risk.
  • Age: Drivers under the age of 25 usually pay higher premiums because insurers see inexperience as a contributing factor in accidents. Teenagers, therefore, are considered high-risk drivers and will often have to pay the highest premiums.
  • Gender: Statistically speaking, women are involved in fewer car accidents than men, resulting in lower premiums.
  • Marital status: Insurers consider married drivers as safer than single drivers.
  • Commute: Insurers ask for mileage information, such as how many miles you drive a year, because longer commutes increase your risk of being in an accident. Some companies have specific guidelines to determine whether your car is what’s known as a pleasure vehicle (around 7,500 a year or 20 miles a day), and offer lower rates.
  • Homeowner status: Generally speaking, insurers regard homeowners as more financially stable, and thus less of a risk, than renters.
  • Owning luxury or sports vehicles: These cars cost more to repair, have higher vehicle theft rates and plenty of horsepower, which makes them costlier to insure.
  • Accidents or tickets: These can hike up your payments for three years or longer. Having a DUI violation on your record can also drive your rate up.
  • Credit score: While some states have banned the practice, many states still let insurers use credit-based insurance scores to price policies. Statistical data reveals that drivers with poor credit are more likely to file insurance claims.

How to lower your car insurance premium

There are things you can bởi vì béo lower the cost of your car insurance. You might already know about bundling và discounts, but there are other things you can bởi vì béo help offset the high cost of insurance .
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Bundle insurance policies

On average, bundling can save you tám % on your combined premiums. Consider one of our best homeowners insurance or renters insurance providers if you’re looking béo bundle tự động và trang chính .
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Increase your deductible

The deductible is the portion of damages you’ll have lớn pay out of pocket before the insurance company pays the rest. Increasing your deductible can reduce your premium payments into more affordable tự động insurance rates. This may be a worthwhile gamble, especially for infrequent drivers .
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Review your policy regularly

Reassessing your current policy annually before renewal, or whenever you make life changes that affect who is driving your car, can ensure you’re getting the type & cấp độ of coverage you need và can afford .

Apply for discounts

Companies offer discounts lớn policyholders that maintain a clean driving record & drive vehicles with good safety features .
Although discounts vary from one lender lớn the next, they often include :

  • Bundling policies with the same company
  • Insuring multiple vehicles
  • Taking a drivers education course
  • Automatic and paperless payments
  • A higher deductible
  • Maintaining continuous coverage
  • Safe driving
  • Student driver with good grades
  • Low annual mileage
  • Students away at college
  • Vehicle safety features

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Reduce coverage on old cars

You can reduce your premium by dropping collision or comprehensive coverage on vehicles that are 10 years or older. Similarly, you might consider dropping collision coverage on vehicles you don’t use or have in storage .
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Consider usage-based insurance

Usage-based insurance ( UBI ) options take into tài khoản your current driving habits phệ establish your premium .
For example, pay-per-mile insurance can help infrequent or short-distance drivers save đôi mươi % lớn 40 %, while pay-how-you-drive insurance could help good drivers save up bự 40 %, plus a discount for signing up .
Usage-based insurance options that measure how fast you drive, how quickly you turn & how abruptly you break could over up costing you more if you don’t drive safely .
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Shop for rates

Shopping around và comparing price quotes from at least three different insurance providers can help you get the cheapest car insurance rate, without sacrificing important coverage. Using a car insurance comparison công cụ can help match you with a provider that offers the best car insurance policy for your vehicle .
You can get rate quotes directly from insurance companies trực tuyến or end the phone. Some state insurance commissioners also provide information on average car insurance prices in your state .
Besides average rates, consider available discounts, coverage limits và deductible options when mua sắm for coverage. If you don’t know where bự start, an independent insurance agent or broker could help you narrow xuống dốc your choices .
If you want mập read more about savings opportunities with trực tuyến insurers, read our guide Khủng the best cheap car insurance companies .
Finally, kiểm tra out our article on how Khủng lower your car insurance premiums for more ways lớn save on tự động policies .

How to get car insurance

Whether you’re getting car insurance because you just bought your first car or your current insurance contract is nearing the over of its term, it’s a good idea béo reviews the steps for buying car insurance. Thes e are :

  • Gather your personal and vehicle information (driver’s license, vehicle registration and a copy of your existing insurance declaration page if the vehicle is already insured).
  • Get quotes from several providers (we recommend between 3 to 5)
  • Compare the premiums, types of coverage and limits.
  • Read customer reviews on the providers you’re considering to determine which is the best for your location.
  • Buy your new insurance policy (and cancel your old one).

Read our article on How béo Buy Car Insurance for detailed information on what you need phệ know before signing on the dotted line .

Is car insurance worth it?

Car insurance is mandatory in all states with the exception of Virginia & New Hampshire, so sánh most tự động hóa owners don’t have much of a choice in whether phệ insure their vehicle .
Since it’s mandatory, driving while uninsured is considered a misdemeanor và will result in a fine of anywhere between USD 50 lớn $ 1,500, depending on your location. In some states, it can even result in jail phút giây of up bự five years. Given that the average premium is $ 1,190, it’s easy lớn see how it’s definitely worth it .

Why switch car insurance companies?

Even if you’re happy with your insurance coverage, you should đánh giá your policy annually lớn make sure the coverage và discounts still fit your lifestyle và driving habits. If you’re interested in switching, take a look at Money’s guide on how mập change car insurance .
Some reasons you might consider switching are :

  • You want to save money: it’s never a bad idea to shop around, especially since prices and your life circumstances can change.
  • You want to add a teen driver: Teens are expensive to insure. While including your child in your car insurance will increase your rates, some companies offer teen driver discounts available (State Farm is one such example) to help offset these increases.
  • You moved: A factor that affects your rate is location and your rate might be affected if you move. It’s not a bad idea to shop around to see if your provider is still the best option given where you’re living.
  • Your credit score improved: While some states are banning the use of credit scores to set car and home insurance rates, it is still used in many states. You may want to switch car insurance if your score has improved because you could get a lower rate as a result.
  • Your commute has changed: With hybrid schedules or work from home, some find themselves using their car substantially less. These drivers could now be eligible for low-mileage discounts.

Latest News on Car Insurance

  • As supply chain problems have subsided, new car buyers finally see discounts on prices. However, average car prices have increased, so the discounts are there to buffer the higher prices caused by inflation.
  • Those out shopping for used cars should know that although prices have gone down for four straight months, industry experts believe they could increase soon.

How We Chose the Best Car Insurance Companies

The methodology we used Khủng find the companies that offer the best tự động insurance out there, we vetted 23 insurers, all of which were featured on the NAIC’s 2021 Property / Casualty Market Share báo cáo for Private Passenger Auto as well as J.D. Power’s 2021 U.S. Auto Claims Satisfaction Study .
We only considered companies with relatively few complaints involving their private passenger policies, as reported by the National Association of Insurance Commissioners ( NAIC ) .
We also prioritized nationwide tự động insurers with superior financial strength ratings, ample discounts, công nghệ integration through telematics programs & above-average customer satisfaction scores from J.D. Power .
Finally, we looked at CRASH Network’s most recent báo cáo which rates insurers based on feedback from ​ ​ 1,100 automotive collision repair professionals, taking into tài khoản payment practices và policy handling .
In short, we focused on the following factors :

  • Financial stability: An insurance company’s financial stability can be gauged by its AM Best credit rating. We chose insurers with an A rating or better.
  • Discounts: Auto insurance policies that cover anything beyond basic liability can be costly. We picked companies who offered plenty of bundling options and generous discounts.
  • Technology: Most of the companies on our list use automation to provide auto insurance quotes in a matter of minutes and have a 24/7 claims process. Car insurance companies that allow policyholders to file car insurance claims via apps ranked higher on our list.
  • Customer experience: Filing a claim can undoubtedly be a hassle. To help you minimize the stress, we chose companies with high customer satisfaction ratings as reported on J.D. Power’s 2021 U.S. Auto Claims Satisfaction Study.

Car Insurance FAQ

How much is car insurance a month?

chevron-downchevron-upPer the NAIC’s most recent Auto Insurance Database Report, the national combined average cost of car insurance is $ 1,204 a year, which is about USD 100 a month. Keep in mind however that the cost of car insurance will ultimately depend on a number of factors such as your age, location, gender, driving experience và annual mileage .

How much car insurance do I need?

chevron-downchevron-upIn addition lớn state minimums, you should get additional liability insurance for bodily injury & property damage bự protect your assets in the sự kiện of an accident. The same goes for Uninsured / underinsured motorist insurance. As for collision & comprehensive insurance, these cover the cost of damage bự your car so sánh you should focus on the deductible you want béo pay. A high deductible will mean a low premium, whereas with a low deductible you’ll pay a higher premium .

How much is car insurance for a 16 year old?

chevron-downchevron-upAs insurance premiums depend on various factors, it is hard Khủng get reliable dữ liệu on rates for 16 – year old drivers. What we can say for sure is that premiums for this age nhóm are higher than most. Since younger drivers have less experience và are statistically more likely mập get into accidents, insurers will charge a higher premium .

What is liability car insurance?

chevron-downchevron-up​ ​ Liability car insurance covers drivers in the sự kiện of an at-fault accident. In most states, this type of coverage is a requirement. Liability insurance consists of bodily injury liability và property damage liability coverage. Bodily injury liability protects drivers if they’re at fault for an accident by covering the medical expenses of the other driver or their passengers. Property damage liability, on the other hand, protects at-fault drivers by covering the cost of the other person’s property repairs .

What is the best car insurance company?

chevron-downchevron-upThe best car insurance company for you will be the one that best fits your needs & budget. That being said, Money’s top pick for the best coverage package is Amica Mutual, which also garnered the highest overall customer satisfaction rating with J.D. Power. We also consider Progressive phệ have the best offerings for customizable premiums và State Farm bự have the best policies for younger drivers .

What is comprehensive car insurance?

chevron-downchevron-upAlthough comprehensive tự động insurance sounds lượt thích it provides coverage for everything, the truth is the name can be misleading & it is often confused with ” đầy đủ coverage. ” However, comprehensive insurance only covers damage béo your car that results from something other than a vehicle, such as theft, damage from fire, hail or vandalism. The best car insurance companies provide what’s called ” đầy đủ coverage, ” which refers mập the combination of collision & comprehensive coverage. Although these two policies are optional, cars with both policies are considered ” fully insured. “

Summary of Money’s Best Car Insurance of April 2023

  • Amica Mutual – Best Car Insurance Package
  • Progressive – Best for Customizable Premiums
  • State Farm – Best for Young Drivers
  • Farmers – Best for Essential Worker and First Responder Discounts
  • Nationwide – Best for Flexible Policies
  • GEICO – Best Mobile App
  • Allstate – Best Usage-Based Insurance Program
  • USAA – Best for Military Members

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