Best car insurance companies for 2021 – California News Times

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Car insurance is required by law in 48 states, so having some form is a necessity before getting behind the wheel. This guide to the best car insurance companies should help you sift through the options and figure out which company and policy best fits your vehicle and situation.

We’ll begin with some basics. The most general car insurance policies offer protection against property damage, personal injury protection and bodily injury liability coverage if an accident occurs. From there, you can add other coverage types. These may include damage to your own vehicle for a variety of reasons (collision coverage), roadside assistance, car accident incidents with uninsured or underinsured drivers, plus personal injury protection and medical expenses incurred due to accidents. Some car insurance companies even have comprehensive options that can include roadside assistance or that can be bundled with homeowner’s insurance (if you own a home).

It’s also worth mentioning that not every car insurance company has your best interests at heart, both when offering auto insurance quotes or after you’ve been in an accident. A BuzzFeed News report from August 2019 revealed that State Farm, Farmers and Erie Insurance are among a number of insurance companies that have paid off law enforcement to investigate customers for fraud. All of those companies have been excluded from this ranking.

If you’re just starting your car insurance search, it could take a lot of time to delve into every auto insurance company’s website to better understand its coverage level and how it arrives at a coverage cost. We’re making it easier to find the best car insurance coverage by narrowing down the list. We’ve picked the 10 best insurance companies in the country, based primarily on audience satisfaction, as measured by the J.D. Power 2019 US Auto Insurance Study. The car insurance review study measures five criteria: interaction, policy offerings, price, billing process and claims. 42,759 customers were polled from February through April 2019. Let’s dive in.

Geico

830

Allstate

826

Progressive

818

Auto-Owners Insurance

841*

Esurance

836*

Liberty Mutual Insurance

810

Nationwide

808

Travelers Insurance

818*

Safeco

810*

USAA

891*

* Not available in every region of the US or to every person in the US. This affects overall placement.

Comparing the best car insurance companies

GEICO

The top-scoring auto insurance policy overall was Geico, reporting high customer satisfaction levels in all regions of the country and making it the No. 1 auto insurer in the US. This insurance carrier is also routinely ranked among the cheapest car insurance coverage providers (and a big premium is a big expense), which undoubtedly contributes to the satisfaction.

Geico’s clever commercials ensure that it remains one of the best-known car insurance options in the country, but its customers know the company for the great service and support it offers, along with some of the cheapest insurance prices. Geico’s 97% customer satisfaction rate speaks for itself, as does its long list of honors, including the most desired insurer according to Kanbay Research Institute. You know, just in case the gecko isn’t enough to convince you that you want its insurance coverage.

Allstate

Allstate was one of the rare car insurance companies ranked on every single one of J.D. Power’s regional customer satisfaction lists — and was No. 1 in Florida. Allstate prides itself on claims satisfaction and on its scope of coverage options. It offers a host of car insurance discounts that, depending on your circumstances, could easily make it the most cost-effective auto insurance policy coverage option available for many motorists.

Further, Allstate offers many types of insurance — auto, home, motorcycle, off-road vehicles, renters, term-life and more — and will offer deals to customers who bundle.

Progressive

A giant in the insurance world with over 18 million customers, Progressive manages to attract and retain so many satisfied customers with continued commitment to saving its customers money on their car insurance rates. Progressive was the first auto insurer to offer safe driver discounts, which makes the company a great option for people with a good driving record who are looking for the cheapest car insurance options. 

Even today, customers who switch to Progressive save an average of $699 on their car insurance premium per year. The Progressive website even has a nifty tool that allows you to compare rates with competitors to find the best option. You also save an average of 4% if you bundle your auto with your homeowners or renters insurance.

Auto-Owners Insurance

Auto-Owners Insurance may not have the flashy marketing presence of the competition, but how many of them can say they’ve been around almost as long as cars have? Established in 1916, the company has nearly 3 million car insurance policy holders across 26 states. Its high rankings from J.D. Power might prompt you to check if it has coverage where you live.

Auto-Owners Insurance also offers life, home and business insurance.

Ranked the No. 1 auto insurer in California, Esurance is making inroads around the country (the company operates in 43 states). A division of Allstate, Esurance promises customers that switching or signing up for car insurance can be as easy as possible, or “painless,” as the company puts it. It offers auto, motorcycle, renters and homeowners insurance. Esurance also offers a policy meant to help fill gaps in coverage for Uber and Lyft drivers.

Users agree with the assessment, as reviews on the website call attention to how fast and easy it is to sign up with this car insurance provider, either online or with the Esurance app. And calling all introverts, you likely won’t have to talk with an insurance agent directly to get set up. The app is also super useful if you live in a state that allows digital insurance ID cards — so long as you have your phone, you have your most current ID card.

Liberty Mutual Insurance

Operating globally, Liberty Mutual is the fifth-largest property and casualty insurer in the world. Still, the company makes it very clear that its business starts with you and the first step in that journey is getting an insurance coverage quote.

Most insurers offer free car insurance quotes on their websites, but Liberty Mutual offers you discounts for using its own — you can save up to 12% off your rate by getting a car insurance policy quote online. Further, getting that quote only takes a few minutes — you just have to answer a few questions about where you live and how often you drive.

Nationwide Insurance

With over 90 years covering drivers, Nationwide has learned a thing or two about what keeps customers happy (and in turn, what keeps them customers). The company’s list of visions and values shows exactly where its priorities lie. The company really stepped up during the COVID-19 pandemic, suspending policy cancellations, waiving late fees and deferring payment deadlines to help its members remain insured. It also provided a one-time $50 refund per personal auto policy to reflect trends in decreased driving.

Top ratings from a variety of outlets (such as A.M. Best, S&P and Moody’s) would suggest that it’s working. Those values extend to employees, as well — Nationwide was ranked No. 53 in Fortune’s most recent list of the “100 Best Companies to Work For.”

Travelers Insurance

Among the many plans Travelers offers is a car insurance coverage policy that you can customize based on your needs. Rather than up-sell users, Travelers offers a host of resources (in the form of blog posts) designed to educate motorists prior to policy purchase. An informed customer is a happy customer.

Like most of the companies on this list, Travelers offers savings on insurance bundles, so if you’re able to bundle your auto and homeowners or renters insurance, you can save a pretty penny.

Safeco Insurance

A division of Liberty Mutual, Seattle-based Safeco has been in the car insurance business for over 85 years and has been a national presence for more than two decades. Safeco partners with local agents who can devote the time and attention that customers need in order to get all of their individual car insurance questions answered…

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