With over six million accidents happening every year on the roads, it’s important for drivers to find the right car insurance policy. It can protect you from having to pay thousands in damages in case you’re ever in an accident. Plus, a lot of major companies provide auto coverage with opportunities for customers to score big discounts. Search online to find what type of policies each company offers.
To get the best premium, it’s important to explore your options and see what policies are available to you. You can get quotes for insurance companies online with a quick search.
In no particular order, here are some of the best car insurance companies to check out.
1. USAA
Best For: Discounted premiums
If you’re an active U.S. military member or veteran and want to save money on your car insurance premium, see what USAA has to offer. The company has plenty of discounts to qualify for and members save an average of $707 annually when switching to USAA Auto Insurance.
The longer you have car insurance with USAA, the better your rate could be. The company says their rates beat the competition three out of four times. Along with being a longtime customer, there are a number of other ways to score a discount. Some of them include:
- Taking defensive basic driver training courses
- Annual mileage discount based on how much you drive
- Up to 60 percent discount when you store an insured car
- Up to 10 percent off your policy when signing up after your parents
- Military installation discount on up to 15 percent
If you go five years without any at-fault accidents, USAA will give you accident forgiveness coverage for free. You can get a quote online and calculate a premium by filling in some basic information.
2. Geico
Best For: Comprehensive coverage
For 75 years, Geico has aimed to give customers appropriate coverage and service at an affordable rate. Standard policies give you coverage for bodily injury, property damage and uninsured motorist coverage. There are a bunch of add-ons you can buy for your policy such as collision, comprehensive, medical coverage, roadside assistance and more.
You can save money as a customer by bundling your auto and property insurance. Geico offers discounts for military members, federal employees, seniors and other discounts for its drivers based on good driver histories.
Geico has a 97 percent customer satisfaction rate. Their agents are local, so you will be dealing with people who can answer specific questions about car insurance and more in your area. The Geico app allows you to pay bills, view digital ID cards and even file a claim with just a few taps.
3. Allstate
Best For: Bundling insurance policies
If you’re looking for a company to secure all your insurance policies with, consider Allstate. The company offers a range of products to bundle your auto insurance with such as home, motorcycle, term life and more. And you can get a discount if you have multiple Allstate policies.
The Drivewise program gives you personalized driving feedback. This gives you an opportunity to save up to 25 percent cash back every six months by showing you’re a safe driver. It can also help young drivers to develop good habits with the motivation of getting a lower insurance cost. You can earn points by driving at safe speeds, during safe driving hours and by limiting hard braking.
4. State Farm
Best For: Local customer service
State Farm is the largest auto insurance provider in the U.S. and has been paying claims since 1922. The company has nearly 19,000 agents across the country, giving customers local service that can better understand their policies.
There are specific car insurance policies you can buy that cater to specific situations. Some of these policies include:
- Antique and classic car insurance
- Sports car insurance
- Insurance for teen drivers
- Commercial auto insurance
The State Farm Select Service program makes it easy for customers to find auto repair shops. These businesses offer a range of claim service options for vehicle estimates and repairs. You can find a qualifying shop near you on State Farm’s website simply by entering your ZIP code.
5. Farmers Insurance
Best For: Personalized coverage
With Farmers Insurance, you can choose from a ton of different coverages to personalize your policy. Along with traditional liability, collision and comprehensive plans, the insurer has other options you can add to your policy.
Some car insurance coverage types include:
- Towing and roadside assistance
- Rideshare coverage for Uber and Lyft drivers
- Guaranteed value coverage
- Loss of use coverage when your car is being repaired
You can get discounts through Farmers Insurance’s Signal program. By downloading the app, earn a five percent discount on your policy and up to 15 percent each time your policy is renewed. Your discounts are based on how safe your driving is, and you could even be entered to win monthly monetary rewards when your score is 80 percent or higher.
6. Progressive
Best For: Money-saving insurance programs
With over 20 million insured drivers across the country, Progressive has one of the most recognizable brands among insurers. The company gives you the opportunity to bundle insurance policies and save an average of 12 percent on the auto portion. Plus, customers who switch to Progressive car insurance save an average of $750.
Something unique about Progressive is the Snapshot program, which is also known as usage-based insurance. It personalizes your rate based on how and how much you drive. Progressive has given out more than $945 million in discounts through this policy and saved drivers an average of $145 yearly.
Another way to save money is with the Name Your Price Tool. This gives customers the opportunity to tell Progressive how much they’d like to pay, then the company shows you the best coverage options to meet their budget.
Compare Insurance Companies Online
There are lots of policies and companies to consider. Make sure to compare at least three to five policies before signing up for one. Search online to get free quotes that will help you find the best coverage for the best price.