Following are five businesses that represent the best in the business for prices and discounts, military families, personalised experiences, claims satisfaction, and high-risk drivers, based on our findings. The following are best picks for the finest automobile insurance companies.
Best Car Insurance Companies of 2021
*Best Rates & Discounts: GEICO
*Best Personalized Experience: State Farm
*Best Claims Satisfaction: Amica
*Best For Military Families: USAA
*Best For High-Risk Drivers: Progressive
*Best For Young Drivers: Erie Insurance
BEST RATES & DISCOUNTS:GEICO
GEICO does offer impressive discounts, excellent customer service, and some of the lowest premiums in the industry. A well-designed, highly efficient website and mobile app also cause the company to stand out among bargain-rate carriers.
Coverage
GEICO's extensive coverage options include:
*Liability coverage
*Collision and comprehensive
*Personal injury protection
*Uninsured motorist coverage
*Guaranteed Asset Protection (GAP) insurance
*Mechanical breakdown insurance
*Rideshare insurance
*Emergency roadside assistance
*Rental car reimbursement
In addition to covering cars, GEICO provides policies for a variety of vehicles: motorcycles, all-terrain vehicles (ATVs), boats, and RVs. The company also offers other types of coverage, like homeowners and renters insurance, that you can bundle with your auto insurance.
BEST PERSONALIZED EXPERIENCE
State Farm
Outsourcing age—it maintains a network of employees across the United States, meaning you always have access to a local State Farm agent for your insurance questions and needs.
Coverage & Discount Options
State Farm offers fairly extensive car insurance coverages like:
*Liability coverage
*Collision and comprehensive
*Medical payments & Personal injury protection (PIP) coverage
*Uninsured & underinsured motorist coverage
*GAP insurance
*Rideshare insurance
*Emergency roadside assistance
*Rental car & travel expense reimbursement
Additionally, State Farm offers coverage for other vehicles, like motorcycles, boats, and off-road vehicles. You can bundle your auto coverage with one of its other insurance policies.
BEST CLAIMS SATISFACTION Amica Mutual
Amica Mutual has received the top spot on J.D. Power’s Auto Claims Satisfaction Study multiple times. It earned second top spot in 2020.4 From low complaints to low premiums, it garners superlatives in several areas. We're singling it out as the best based on claims satisfaction.
Coverage & Discount Options
Like most other auto insurance companies, Amica offers all of the required and beneficial elective coverages you’d need: 24/7 roadside assistance, rental car reimbursement, and even glass coverage (repairing your windshield or windows, without incurring a deductible). Amica also offers an inclusive package called Platinum Choice Auto, which includes perks like accident forgiveness, the aforementioned glass coverage, identity theft monitoring, and premium rental car coverage. Customers can also receive referral and loyalty discounts.
BEST FOR MILITARY FAMILIES
USAA
The well-regarded financial institution, which is open to armed services members (active or retired) and their immediate kin (spouses, children), offers some of the lowest premiums in the industry, along with sterling customer service.
Coverage & Discount Options
Like those of most other auto insurance carriers, USAA's policies offer:
*Bodily injury liability
*Property damage liability
*Collision and comprehensive coverage
*Uninsured motorist coverage
*Personal injury protection and medical payments
Additionally, USAA offers rideshare coverage for Lyft and Uber drivers, 24/7 roadside assistance and towing coverage. USAA customers can also bundle their car and homeowners policies, or select other coverages like life insurance, renters or condo insurance, or boat insurance.
BEST FOR HIGH-RISK DRIVERS Progressive
Your driving record is less than stellar, Progressive can help you avoid the financial burden of your driving record. In fact, Progressive's Name Your Price Tool allows you to opt in for a coverage plan that meets your state's minimum coverage requirements while also fitting your budget. Also, you can redeem your driving record and save even more through Progressive's Snapshot program. This is why many high-risk drivers choose Progressive over other car insurance companies.
Coverage
When it comes to auto coverage, Progressive offers:
*Bodily injury liability
*Property damage liability
*Collision and comprehensive coverage
*Uninsured motorist coverage
*Personal injury protection and medical payments
*GAP coverage
*Umbrella insurance policies
Progressive offers some unique items, such as rideshare coverage for Lyft and Uber drivers, classic car coverage for antique autos, Mexican travel insurance for those who drive across the border, and custom parts coverage for aftermarket equipment. For those who want to switch all of their insurance policies over to Progressive, the company also offers homeowner's and other property coverage, plus life insurance and other personal policies.
BEST FOR YOUNG DRIVERS
Erie Insurance
Founded in Erie, Pennsylvania, Erie Insurance has provided car, homeowners, and other types insurance since 1925. With specific discounts geared towards the 21 and under crowd as well as some of the lowest rates in the industry for new drivers, it's a great pick for teens and college students looking for affordable car insurance.
Coverage
Like most other companies on this list, Erie offers:
*Bodily injury and property damage liability
*Collision and comprehensive coverage
*Uninsured motorist coverage
*Personal injury protection and medical payments
*Umbrella insurance policies
However, where Erie really shines is in the extras that it offers to its insurance customers. These extras include: roadside assistance with towing coverage, pet and personal item coverage, waived deductible on auto glass repairs, and new car protection. Erie also offers rideshare insurance, extended coverage for non-owned vehicles like moving vans, and several other perks. And, of course, Erie also provides homeowners and renters insurance, life insurance policies, and recreational vehicle coverage policies for motorcycles, boats, and RVs.
