Best Car Insurance in York, South Dakota

If you're a York, South Dakota resident seeking the best protection for your vehicle, you've landed in the right place. Car insurance is not just a legal requirement; it's your safety net on the unpredictable roads of our beloved York. Let's dive into the world of car insurance in York, exploring options, considerations, and how you can make the most informed choices.

Understanding the Landscape

Car insurance in York, South Dakota is a multifaceted landscape. Whether you're a daily commuter navigating the bustling streets or a weekend explorer enjoying the scenic drives, having comprehensive coverage is paramount. It ensures financial protection and peace of mind.

When delving into the car insurance market, it's essential to comprehend the basics. Liability coverage addresses third-party injuries and property damage, while collision and comprehensive coverage cater to damages to your vehicle. Striking the right balance between these components is key to tailor-fitting your insurance to your unique needs.

Navigating the Market

In York, a plethora of insurance providers vie for your attention. Giants like State Farm, GEICO, and USAA have a substantial presence, each offering distinct advantages. As you explore your options, consider factors beyond premiums. Evaluate customer reviews, financial stability, and coverage flexibility to make an informed decision.

Securing Affordable Protection

Affordability is a crucial factor in selecting the right car insurance. To find the sweet spot between cost and coverage, explore discounts offered by insurers. Bundling policies, maintaining a clean driving record, and leveraging available discounts can significantly reduce your premiums.

As you navigate through the online realm for quotes, ensure that your information is accurate. Use tools provided by insurance companies to generate precise quotes that reflect your driving profile and coverage preferences.

Tailoring Coverage to Your Needs

Car insurance isn't one-size-fits-all. Explore specialized coverage options based on your unique circumstances. Temporary insurance is ideal for those in York for a short duration, while classic car enthusiasts may benefit from policies catering specifically to vintage vehicles.

Ensuring Local Relevance

York, South Dakota has its traffic nuances and local regulations. Ensure your chosen car insurance aligns with these specifics. Understanding local considerations guarantees that your coverage is not only comprehensive but also adheres to regional laws.

Scroll for the Unveiling of Exclusive Insights!

Curious to know more about finding the perfect car insurance in York, South Dakota? Scroll down to uncover exclusive insights, tips, and expert advice that will revolutionize the way you approach car insurance.

As you scroll, get ready to unlock premium value. Our comprehensive guide goes beyond the basics, delving into advanced strategies to maximize your car insurance benefits. Whether you're a first-time car owner or a seasoned driver, there's something valuable waiting for you.

The Ultimate Guide to Car Insurance in York, South Dakota

Decoding Policy Types: Which One Suits You?

Embark on a journey into the intricacies of policy types. Understand the differences between liability, full coverage, and specialty policies, empowering yourself to choose the ideal coverage for your unique needs.

Expert Insights and Practical Tips

Scroll deeper to access expert insights and practical tips that can redefine your approach to car insurance. Uncover hidden gems of information, explore real-life scenarios, and equip yourself with the knowledge to secure the best car insurance in York, South Dakota.

Car Insurance in York, South Dakota

Unlock the secrets of car insurance in York, South Dakota. Our in-depth guide provides expert insights, tips, and exclusive information to help you find the perfect coverage. Discover more as you scroll through our comprehensive guide.

Conclusion:

Your journey to finding the best car insurance in York, South Dakota begins here. Scroll, explore, and empower yourself with the knowledge to make informed decisions. Your vehicle deserves the utmost protection, and our guide ensures you navigate the car insurance landscape with confidence.

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• Best Car Insurance Companies in 2024 (Your Guide to the Top 10 Providers)

• State Farm, Geico, and Progressive top the list of best car insurance companies, offering comprehensive plans starting at just $22 per month. Distinguished for their affordability, extensive coverage options, and exceptional customer service, these companies set the gold standard in the car insurance industry.

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• Compare Quotes From Top Companies and Save

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• Written by:

• Laura Berry

• Former Licensed Insurance Producer

• Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...

• Former Licensed Insurance Producer

• Reviewed by:

• Michael Leotta

• Insurance Operations Specialist

• Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...

• Insurance Operations Specialist

• UPDATED: Jun 28, 2024

• Advertiser Disclosure

• It’s all about you. We want to help you make the right coverage choices.

• Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

• Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

• Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

• UPDATED: Jun 28, 2024

• Advertiser Disclosure

• It’s all about you. We want to help you make the right coverage choices.

• Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

• Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

• Best Car Insurance: State Farm17,754 reviews 4.09 Company FactsFull Coverage$86A.M. Best RatingB (Fair)Complaint LevelLowPros & Cons Has the third-lowest average premium among the top 10 providers Consistently strong financial standing and solid rankings Policies are available in all 50 states Customers have a variety of online options and an easy-to-use app Rates can be pricey depending on where you live Could stand to offer more discounts, like federal employees, green vehicles, and occupational Limited add-ons available » State Farm Car Insurance Review17,754 reviews Compare Rates →Best Coverage Option: Geico19,116 reviews 4.11 Company FactsFull Coverage$80A.M. Best RatingA++Complaint LevelLowPros & Cons Affordable rates A++ rating from A.M. Best Good claims handling Doesn’t have gap insurance Few in-person agents » Geico Car Insurance Review19,116 reviews Compare Rates →Best Customer Service: Progressive13,127 reviews 4.06 Company FactsFull Coverage$105A.M. Best RatingA+Complaint LevelLowPros & Cons Affordable rates UBi savings with Snapshot Robust digital tools Low customer loyalty Unexpected rate increases » Progressive Car Insurance Review13,127 reviews Compare Rates →

• Company Facts

• Pros & Cons

• Company Facts

• Pros & Cons

• Company Facts

• Pros & Cons

• The top picks among the best car insurance companies are State Farm, Geico, and Progressive. These companies stand out for their robust coverage options.

• Easily compare top car insurance companies online and find the best policy for you with our help. Everyone deserves the best coverage.

• Our Top 10 Picks: Best Car Insurance Companies CompanyRankSafe Driving DiscountA.M. BestBest ForJump to Pros/Cons #122%BPersonalized ServiceState Farm #224%A++Coverage OptionsGeico #328%A+Customer ServiceProgressive #418%A+Add-on CoveragesAllstate #525%A++Military SavingsUSAA #623%AAdd-on CoveragesLiberty Mutual #719%A+SmartRide ProgramNationwide #821%ACustomizable PoliciesFarmers #923%A++Comprehensive CoverageTravelers #1019%AClaims ServiceAmerican Family

• It’s important to revisit your car insurance options, especially if it’s been years since you last checked. 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• Get the right car insurance at the best price — enter your ZIP code above to shop for coverage from the top insurers.

• Here's What You Need to Know

  State Farm leads as the top pick among the best car insurance companies Explore tailored coverage options that meet diverse driving needs and budgets Discover providers that offer superior claims service and customer support

• Table of Contents

• #1 – State Farm: Top Overall Pick

• Pros

• Cons

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• #2 – Geico: Best for Coverage Options

• Pros

• Cons

• #3 – Progressive: Best for Customer Service

• Pros

• Cons

• #4 – Allstate: Best for Add-on Coverages

• Pros

• Cons

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• #5 – USAA: Best for Military Savings

• Pros

• Cons

• #6 – Liberty Mutual: Best for Add-on Coverage

• Pros

• Cons

• #7 – Nationwide: Best for SmartRide Program

• Pros

• Cons

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• #8 – Farmers: Best for Customizable Policies

• Pros

• Cons

• #9 – Travelers: Best for Comprehensive Coverage

• Pros

• Cons

• #10 – American Family: Best for Claims Service

• Pros

• Cons

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• Comparative Monthly Rates for Leading Car Insurers

• When assessing car insurance options, it’s essential to consider the monthly rates for both minimum and full coverage across various providers. The table below illustrates a comparison among top insurers, showing a significant range in pricing for both types of coverage. Learn more in our “Compare Monthly Car Insurance: Rates, Discounts, & Requirements.”

• Car Insurance Monthly Rates by Coverage Level & Provider Insurance CompanyMinimum CoverageFull Coverage Allstate$61$160 American Family$44$117 Farmers$53$139 Geico$30$80 Liberty Mutual$68$174 Nationwide$44$115 Progressive$39$105 State Farm$33$86 Travelers$37$99 USAA$22$59

• Allstate, Liberty Mutual, and USAA present varying rates with Allstate charging $61 for minimum coverage and $160 for full coverage, positioning it at a higher pricing bracket.

• On the other end, USAA offers the most competitive rates at $22 for minimum and $59 for full coverage, particularly favorable for military families.

• Geico also stands out with remarkably low rates of $30 for minimum and $80 for full coverage, making it an appealing choice for budget-conscious consumers. Each company’s rates reflect their unique value propositions, catering to different segments of the market based on coverage needs and financial flexibility.

• Compare the Best Car Insurance Companies in the Nation

• You’ve seen the commercials: mayhem, disasters, flying pigs.

• Flying pigs? Yep, according to Farmers

• We’ve seen it and covered it.

• What about your neighbors? Are you really in good hands? I haven’t seen any cavemen lately, but can I really save 15% with a ten-minute phone call?

• Maybe. But which is actually the best? What are the 10 best insurance companies? We’ve got the complete buyer’s guide to who’s the best.

• Check our car insurance comparison chart below to see how the biggest auto insurance companies measure up in four core categories: availability and rates, financial stability, reputation, and best company for you.

• Car Insurance Comparison Chart

• Here’s one important fact: the top 10 car insurance companies are licensed to operate in all 50 states except for American Family, Nationwide, and Travelers. Be sure and check out our company reviews if you are considering one of the companies above to see if it is available in your state.

• The table below includes a list of the top 10 auto insurance companies, their average annual rate on a national scale compared to the national average, and their cheapest insured vehicle.

• Top 10 Car Insurance Companies by Availability, Average Rates, and Cheapest Vehicle to Insure Insurance CompanyAvailabilityMonthly RatesPercent Higher/Lower Than AverageCheapest Car to Insure AllstateAll 50 States and D.C.$37823.82% (Higher)2015 Toyota RAV-4 American Family19 States$3081.03% (Higher)2015 Honda Civic FarmersAll 50 States and D.C.$3266.75% (Higher)2015 Toyota RAV-4 GeicoAll 50 States and D.C.$256-16.04% (Lower)2015 Toyota RAV-4 Liberty MutualAll 50 States and D.C.$44144.65% (Higher)2015 Toyota RAV-4 Nationwide46 States and D.C.$266-12.94% (Lower)2018 Toyota RAV-4 ProgressiveAll 50 States and D.C.$3287.5% (Higher)2015 Toyota RAV-4 State FarmAll 50 States and D.C.$228-25.39% (Higher)2015 Honda Civic Travelers42 States and D.C.$3111.87% (Higher)2015 Ford F-150 USAAAll 50 States and D.C.$207-32% (Lower)2015 Honda Civic

• Read more:

• Although the table shows USAA and State Farm have the lowest premiums, that doesn’t necessarily mean you should choose one of them as your provider without doing further research.

• USAA has the lowest prices, but the company provides insurance for military personnel and their family members only. If you’re looking for car insurance discounts for military members, USAA may be the best option for you.

• If you aren’t affiliated with the military, State Farm may be your next choice. But again, our research has shown that location and carrier, not price, are the most important factors when deciding on an insurance company.

• Other factors, such as the laws in your state, marital status, and credit history, also play a role in the cost of your rates. We will cover all of these factors in this article.

• For the best car insurance companies by claim settlement ratio, keep reading.

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• Enter your ZIP code below to view companies that have cheap car insurance rates.

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• Compare the Best Car Insurance Companies by Financial Ratings

• The future financial stability of a company can often be judged by its historic financial stability, especially in comparison to its top competitors. Also, third-party entities such as A.M. Best use an intricate algorithm to rate and predict the financial stability of a company.

• The National Association of Insurance Commissioners (NAIC) releases an annual report that examines the financial stability of all car insurance companies. Here’s what you should look for:

• The table below shows these three figures for the top 10 companies in the car insurance market for 2018 and indicates whether they’re rising (↑), falling (↓), or remaining steady (~) based on NAIC data from 2015 through 2018.

• Top 10 Car Insurance Companies by A.M. Best Rating, Market Share, & Loss Ratio Insurance CompanyA.M. BestPremiums WrittenMarket ShareLoss Ratio AllstateA+ (Superior)$22.7 billion (↑)9.19% (↓)56% (↓) American FamilyA (Excellent)$4.7 billion (↑)1.9% (↑)69% (~) FarmersA (Excellent)$10.5 billion (↑)4.26% (↓)61% (~) GeicoA++ (Superior)$33.1 billion (↑)13.41% (↑)71% (~) Liberty MutualA (Excellent)$11.8 billion (↑)4.77% (↓)62% (~) NationwideA+ (Superior)$6.7 billion (↓)2.73% (↓)58% (↓) ProgressiveA+ (Superior)$27.1 billion (↑)10.97% (↑)62% (~) State FarmA++ (Superior)$41.9 billion (↑)17.01% (↓)63% (↓) TravelersA++ (Superior)$4.7 billion (↑)1.9% (↑)60% (~) USAA (Military & Family Members)A++ (Superior)$14.5 billion (↑)5.87% (↑)77% (~)

• Because loss ratios can fluctuate from year to year, the safest bet is if they stay in the 60-to-70% range. A loss ratio (or claim settlement ratio) lower than 60% shows the company is not paying out on enough claims. A loss ratio above 70% shows the company may be losing money, which long term can mean an increase in rates.

• Read more:

• Compare the Best Car Insurance Companies by Reputation

• Saving money is nice, but what happens when you need to file a car insurance claim? When you’re looking for the best-rated car insurance companies, you certainly don’t want to rely on a company with a bad reputation when it comes to customer service.

• When choosing (or changing) car insurance providers, it’s essential to examine the satisfaction of new customers and established customers who file a claim. Luckily, J.D. Power collects data on both.

• J.D. Power is a well-known go-to source for customer ratings of all sorts. Over 40,000 participants complete their comprehensive surveys.

• We share data here from two of their annual reviews: the U.S. Auto Claims Satisfaction Study and the Insurance Shopping Study. J.D. Power uses Power Circle Ratings. These ratings are calculated based on the range between the highest score and the lowest score (per survey item) and place a company in that range with one to five circles.

• Five circles = among the best; one circle = the rest. J.D. Power may assign one or more power circles to any company; however, they publicly announce and publish only those ratings that are two power circles or higher.

• More circles of trust are shown to mean a higher level of customer satisfaction, which is suitable for everyone, including Greg.

• This table shows J.D. Power Circles (and translates them) awarded in two categories: satisfaction of new customers and satisfaction of customers that file a claim. J.D. Power awards Power Circles in many other categories as well.

• Read more:

• Top 10 Car Insurance Companies by J.D. Power Ratings: Shopping, Claims, and Complaint Ratio Insurance CompanyShopping SatisfactionClaims SatisfactionComplaint Ratio vs. Average (1.00) Allstate862/1,000869/1,0001.10 (Higher) American Family854/1,000887/1,0000.98 (Lower) Farmers841/1,000872/1,0001.12 (Higher) Geico853/1,000885/1,0001.03 (Higher) Liberty Mutual837/1,000872/1,0001.20 (Higher) Nationwide848/1,000882/1,0001.00 (Average) Progressive841/1,000859/1,0001.15 (Higher) State Farm866/1,000878/1,0000.95 (Lower) Travelers849/1,000879/1,0001.05 (Higher) USAA890/1,000897/1,0000.85 (Lower)

• The NAIC tracks official complaints about how car insurance companies do business. This agency calculates a complaint ratio for each company and compares it to the collective national complaint ratio.

• The complaint ratio is determined by looking at the number of complaints per year per $1 million of premium earned by the total in annual premiums. In 2018, the collective national complaint ratio was 1.15; a rate lower than 1.15 is good, and one higher than 1.15 is not so good.

• For example, USAA has some of the best rates in the country, and J.D. Power awarded them five Power Circles on handling claims. However, they have one of the highest complaint ratios, squeaking in right under the collective national complaint ratio of 1.15.

• Progressive is in a similar situation, except J.D. Power awarded them three Power Circles on handling claims, though they are among the lowest in complaint ratio out of the top 10 companies.

• Besides J.D. Power and NAIC, here are three other agencies that provide customer satisfaction ratings to help you choose the best company for your specific needs.

• Read more: Consumer Reports Car Insurance Recommendations

• Take a few minutes to research companies you’re considering by using tools like these to get online quotes before you make a decision.

• Finding the Best Car Insurance Company for You

• Who has what you need?

• We’ve looked at several factors that are crucial to choosing the best company for your insurance needs, and they are undoubtedly important.

• But there are also things we can’t control when shopping around for auto insurance.

• Like where you live, whether you drive an older vehicle, if you have multiple cars, or even if you have kids. If you want to learn more about the company, head to our “ Is it cheaper to purchase car insurance online?.”

• So let’s take a look at our list of the most important factors to consider when comparing car insurance companies.

• Factors to Consider When Comparing Car Insurance Companies

• You want to find a place that offers competitive prices and great service. But sometimes, it boils down to dollars and cents. Are there ways you can save money?

• Check out this table, where we’ve listed each company and the total number of car insurance discounts. We’ve also listed the highest percent discount, our opinion of what kind of customer it’s best for, and a link to our company review.

• As you can see, depending on what you’re looking for, some companies may be a better fit than others.

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• How to Choose the Best Car Insurance Companies

• There are many options when it comes to choosing car insurance. Here are some key questions to consider before getting a quote:

• We’ll spend a little time discussing some of these questions in greater detail in the next few sections. (For more information, read our “Should I buy car insurance through a broker or direct from the company?”).

• Car Insurance Buying Options

• We know cost is a huge factor in determining which company to choose. But let’s look at your personal preference: Do you conduct business online? Do you prefer to let your fingers do the walking? Or do you like to meet with someone in person?

• Each of the top 10 companies varies in the services they provide through their agents, website, and mobile app. Some companies have more strengths in their agents, while others are almost entirely web or app-based. Some of these services include:

• J.D. Power provides ratings of company services such as agents, call-center representatives, and websites. Take a look at these ratings and see if they meet your needs.

• Depending on what you’re looking for, different companies are more successful in some areas than others, as shown by the J.D. Power Circle ratings.

• Read more: Best Car Insurance Comparison Websites

• How Your Situation Affects Car Insurance Rates

• When obtaining a quote from a car insurance company, the company will ask you a series of personal questions, which will be used to help determine the cost of your rates.

• Insurance companies claim statistics show drivers with some of these characteristics as lower risk, but the numbers also make assumptions that are not always true about individual drivers.

• In most states, there are nine factors that affect car insurance rates.

• Okay, some of these factors make sense, but some of them may make you feel a little uncomfortable.

• The good news is some states have outlawed some of the more discriminatory methods in calculating rates.

• Here are a few examples:

• Given this decision in Michigan, it may not be long before other states pass such legislation.

• Read more: Massachusetts Bay Car Insurance Review

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• Car Insurance Discounts

• Got discounts? How do you know unless you ask?

• Companies offer discounts of up to 40% if you answer “yes” to specific questions. Be sure and ask your provider what car insurance discounts are available to you.

• Laws and discounts vary by state and company, and we’ll spend some time looking at various discounts offered by the top 10 carriers in the nation.

• Top Car Insurance Companies in the Nation

• Which company has the best reputation and is inside your circle of trust? Who’s the best of the best? What is the highest-rated auto insurance company?

• Four companies (Allstate, Geico, Progressive, and State Farm) have dominated the car insurance industry for the past 15 years. They are the top car insurance companies by market share. We researched NAIC’s website from 2004 onward and discovered an important fact:

• In 15 years, these companies have gained a 10% market share, and now control over half of the market share for the entire car insurance industry.

• Comparing market share in 2004 and market share in 2018 shows who was and continues to be the best.

• Top Four Car Insurance Companies by 15-Year Market Share Comparison Insurance Company2004 Market Share (in percent)2018 Market Share (in percent)Growth / Decline (in percent) Allstate10.21%9.19%-1.02% Geico5.49%13.41%+7.92% Progressive7.12%10.97%+3.85% State Farm18.52%17.01%-1.51% TOTAL Market Share of Top Four41.34%50.58%+9.24%

• Geico has shown the largest growth over this period, with over seven percent. Progressive has also shown an impressive growth spurt with just under four percent of the market. While State Farm and Allstate have lost market share with decreases of over one percent.

• But, when you look at the period between 2013 and 2018, Geico is closing the gap in market share with State Farm, while Progressive continues to gain market share over Geico. Take a look at this chart for a visual representation of growth and rankings.

• Currently, based on 2018 financials, State Farm is still in the lead in total direct premiums written. Allstate hasn’t lost any of its market shares but continues to trail behind Geico and Progressive in the current five-year growth trend. This chart visually represents the direct premiums written by the four companies over the same five-year period.

• What sets these industry leaders apart from one another? There are a few key differences:

• It’s hard to say which business model is the best of the best, but, as the consumer, you have choices. Your individual needs and preferences will ultimately determine the best company for you. Compare the Best Car Insurance Companies by Region

• If you plan to move a state or two over, up, or down, these tables may be helpful. Sometimes when moving out of state (even within the same region), your current carrier may not have the best rates.

• In some cases, neighboring states have such cheaper car insurance, it may be more feasible to move there and commute to work or ride the subway.

• We’ve broken down the 50 states into regions so you can take a quick look at the average rate of your current (or future) insurance provider.

• Average Car Insurance Rates by Company in the Midwest

• We’ll start with the Midwest. Take a look at this table to see the average annual rates by state.

• Top 10 Car Insurance Companies in the Midwest by Monthly Rates StateAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA Illinois$433.70$317.94$383.77$231.60$189.80$225.98$294.72$195.41$208.31$230.85 Indiana$331.57$306.64$286.46$188.42$481.78$275.00$324.83$200.75$282.81$135.91 Iowa$247.16$251.82$202.98$191.35$367.94$227.95$199.63$185.38$452.45$154.38 Kansas$334.19$178.87$308.65$268.39$398.70$206.30$345.37$226.67$361.79$198.55 Michigan$1,908.55$1,100.00$708.63$535.84$1,666.67$527.28$447.05$1,047.13$731.16$301.67 Minnesota$377.67$293.44$261.45$291.55$1,130.30$243.87$350.00$172.25$320.00$238.47 Missouri$341.35$273.91$359.35$240.44$376.56$188.78$284.93$224.41$299.00$210.48 Nebraska$266.57$184.59$333.11$319.79$520.13$217.00$313.17$203.23$280.00$194.23 North Dakota$389.11$317.70$257.71$222.35$1,071.07$213.36$301.92$213.38$348.00$167.23 Ohio$266.44$126.26$285.25$155.60$369.15$275.07$286.41$208.99$261.26$123.21 South Dakota$393.64$337.29$314.07$245.02$626.33$228.14$312.73$192.19$275.00$185.00 Wisconsin$404.53$126.11$314.79$327.18$563.24$435.42$260.74$198.96$325.00$247.98 U.S. Average$474.54$246.78$334.68$268.13$646.81$271.74$306.50$272.39$382.97$200.27

• Liberty Mutual has the overall highest average rate of $7,762 per year. In the Midwest, Michigan car insurance has the highest rates, where coverage by Allstate tops out at just under $23,000.

• Read more: Compare Vermont Car Insurance Rates

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• Average Car Insurance Rates by Company in the Northeast

• Next, we’ll look at the Northeast. This table outlines average annual rates by state.

• Top 10 Car Insurance Companies in the Northeast by Monthly Rates StateAllstateFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA Connecticut$486$346$256$607$306$410$248$500$266 Maine$306$231$235$361$250$304$183$188$161 Massachusetts$226$210$126$362$280$320$113$295$122 New Hampshire$227$191$135$704$208$225$182$256$159 New Jersey$476$635$230$564$420$331$627$355$300 New York$395$310$202$545$334$314$374$382$313 Pennsylvania$332$290$217$505$233$371$229$654$149 Rhode Island$413$341$467$515$367$436$201$576$360 Vermont$266$211$183$302$177$435$365$210$159 U.S. Average$347$433$228$496$271$349$280$421$211

• Read more: Compare New Hampshire Car Insurance Rates

• Liberty Mutual has the overall highest rate of $5,952 per year. In the northeast, New Jersey car insurance has the highest rates, where coverage by State Farm leads the way with a yearly rate of $7,527.

• Average Car Insurance Rates by Company in the Southeast

• This table includes average annual rates for states in the Southeast part of the country.

• Top 10 Car Insurance Companies in the Southeast by Monthly Rates StateAllstateFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA Alabama$225$198$239$212$181$218$155$205$177 Arkansas$183$198$150$125$125$203$172$120$72 Delaware$326$301$311$410$315$348$372$310$194 Florida$260$240$315$290$250$330$283$270$238 Georgia$265$248$248$275$215$250$282$220$263 Kentucky$310$290$386$315$280$310$280$290$241 Louisiana$340$330$513$335$310$380$382$360$363 Maryland$285$290$319$310$270$341$330$310$229 Mississippi$230$220$341$225$210$230$248$220$171 North Carolina$170$160$245$182$160$199$257$261$200 South Carolina$190$185$265$210$175$215$256$240$285 Tennessee$220$210$274$240$225$230$220$228$228 Virginia$175$165$172$160$140$208$189$150$155 West Virginia$210$190$177$244$215$180$177$180$165 U.S. Average$200$198$292$235$220$275$279$250$222

• Again, Liberty Mutual has the highest overall rate of $6,879 per year. In the southeast, Delaware car insurance has the highest rates, where coverage by Liberty Mutual tops out at $18,360.

• Average Car Insurance Rates by Company in the Southwest

• Take a look at this table for average annual rates for states in the Southwest. Learn more in our “ How do you get competitive quotes for car insurance?.”

• Top 10 Car Insurance Companies in the Southwest by Rate StateAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA Arizona$4,904.10Data Not Available$5,000.08$2,264.71Data Not Available$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29 New Mexico$4,200.65Data Not Available$4,315.53$4,458.30Data Not Available$3,514.38$3,119.18$2,340.66Data Not Available$2,296.77 Oklahoma$3,718.62Data Not Available$4,142.40$3,437.34$6,874.62Data Not Available$4,832.35$2,816.80Data Not Available$3,174.15 Texas$5,485.44$4,848.72Data Not Available$3,263.28Data Not Available$3,867.55$4,664.69$2,879.94Data Not Available$2,487.89 AVERAGE$4,577.20$4,848.72$4,486.00$3,355.91$6,874.62$3,626.00$4,048.43$3,198.41$3,084.74$2,760.78

• Liberty Mutual has the highest overall rate of $6,874 per year, followed by American Family, whose average rate is $4,849.

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• Average Car Insurance Rates by Company in the West

• Finally, we’ll look at average annual rates for states in the Western part of the country.

• Top 10 Car Insurance Companies in the West by Monthly Rates StateAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA Alaska$262$346$410$240$441$331$255$186$368$2,454.21 California$378$465$417$240$253$388$237$350$279$2,693.87 Colorado$461$346$441$258$233$312$353$273$390$3,338.87 Hawaii$181$249$397$280$266$196$213$181$87$1,189.35 Idaho$341$346$264$231$192$253$187$156$269$1,877.61 Montana$389$288$326$300$111$290$361$201$415$2,031.89 Nevada$448$346$466$305$517$290$339$483$447$3,069.07 Oregon$397$346$313$268$361$265$302$228$241$2,587.15 Utah$297$346$326$247$361$249$319$387$410$2,491.10 Washington$295$346$247$214$333$177$267$208$397$2,262.16 Wyoming$364$298$256$291$166$266$367$192$420$2,779.53 U.S. Average$347$346$345$261$294$270$298$250$309$2,434.07

• Allstate has the highest overall rate of $4,161 per year. In the west, Nevada car insurance has the highest rates where coverage from Liberty Mutual leads the way at $6,202.

• Compare the Best Car Insurance Companies by State

• The state in which you live has a huge influence on your rate. Every state is different, and it usually has a lot to do with the laws. For example, one dividing factor between 11 states and the remaining 39 is whether or not their laws are at-fault-based or no-fault-based.

• Typically, no-fault states require drivers to purchase a certain amount of personal injury protection coverage (PIP), which is elective in most at-fault states.

• Michigan has just passed historic legislation to overhaul its insurance systems completely. To read more about the insurance laws in your state, be sure and check out our comprehensive state guides linked in the table below.

• Car Insurance Guides by State AlaskaAlabamaArkansasArizona CaliforniaColoradoConnecticutDistrict of Columbia DelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndiana KansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesota MissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew Jersey New MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode Island South CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashington WisconsinWest VirginiaWyoming

• Next, we’ll discuss insurance companies by rates.

• Best Car Insurance Companies by Rates

• It’s not just laws that can affect your rates. Many companies offer cheaper options, and some even advertise, “to pick and choose only the coverage you need.” Delve into our evaluation of “Does a negligent driving ticket affect car insurance rates?”

• The following sections and tables show national-level rates for the top 10 auto insurance providers based on various demographics.

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• Compare the Best Car Insurance Rates by Gender

• Some states have outlawed car insurance rates based on gender, and other states now require a non-binary category when drivers obtain a quote. Discover insights in our “Average Car Insurance Rates by Age and Genderr.”

• We have removed teenage drivers from this table since their age more heavily influences their rates rather than their gender.

• Top 10 Car Insurance Companies: Monthly Rates by Gender Insurance CompanyFemale DriverMale Driver Allstate$162$160 American Family$115$117 Farmers$139$139 Geico$80$80 Liberty Mutual$171$174 Nationwide$113$115 Progressive$112$105 State Farm$86$86 Travelers$98$99 USAA$59$59 U.S. Average$119$119

• The numbers don’t lie: on average, males pay an average of an extra $80 per year for the same coverage as female drivers do.

• Compare the Best Car Insurance Rates by Relationship Status

• There is a difference in the cost of married car insurance vs. single car insurance.

• We have removed teenage drivers from the table below since their age more heavily influences their rates rather than their marital status.

• Top 10 Car Insurance Companies: Monthly Rates by Marital Status Driver DemographicAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA Single 18-Year-Old Female$448$305$597$220$626$303$591$229$530$180 Single 18-Year-Old Male$519$414$629$254$626$387$662$284$740$203 Single 25-Year-Old Female$181$124$172$97$187$136$141$101$107$80 Single 25-Year-Old Male$190$147$180$93$215$150$146$111$116$85 Married 35-Year-Old Female$3,156$263$213$192$317$197$191$173$182$129 Married 35-Year-Old Male$3,123$260$213$193$321$199$181$173$183$128 Married 60-Year-Old Female$2,913$243$195$187$287$178$166$156$171$121 Married 60-Year-Old Male$2,991$249$204$190$307$185$171$156$173$121

• Female drivers pay more for car insurance, based on this data. Not all companies provide a discount for marital status, while Geico and State Farm have similar rates.

• Compare the Best Car Insurance Rates for New Drivers

• Teen car insurance is often expensive. Take a look at this table to see the average rates for teenagers and young adults.

• Top 10 Car Insurance Companies: Monthly Rates for Teens and Young Adults Insurance Company17-Year-Old Female17-Year-Old Male24-Year-Old Female24-Year-Old Male Allstate$448$519$181$190 American Family$305$414$124$147 Farmers$597$629$172$180 Geico$220$254$97$93 Liberty Mutual$626$626$187$215 Nationwide$303$387$136$150 Progressive$591$662$141$146 State Farm$229$284$101$111 Travelers$530$740$107$116 USAA$180$203$80$85 U.S. Average$416$501$138$150

• If you have teen drivers in your household, Geico offers the least expensive coverage at $5,966 per year. Liberty Mutual charges nearly double that rate, so if the cost is a major deal-breaker, then they may not be the best choice.

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• Compare the Best Car Insurance Rates for Adults Ages 20 to 30

• This table provides data on average rates for drivers in their 20s and 30s by company. See more details on our “ Compare Texas Car Insurance Rates.”

• Top 10 Car Insurance Companies: Monthly Rates for Drivers in Their 20s and 30s Insurance Company25-Year-Old Female25-Year-Old Male34-Year-Old Female34-Year-Old Male Allstate$181$190$161$170 American Family$124$147$111$129 Farmers$172$180$152$159 Geico$97$93$85$82 Liberty Mutual$187$215$166$190 Nationwide$136$150$118$127 Progressive$141$146$124$129 State Farm$101$111$89$98 Travelers$107$116$95$103 USAA$80$85$71$76 U.S. Average$138$150$121$131

• Nationally, Geico, Travelers, and USAA (military-affiliated only) charge the least for covering single drivers in their mid-20s to mid-30s. Liberty Mutual has the highest rates at $4,231 per year.

• Compare the Best Car Insurance Rates for Adults Ages 40 to 50

• In this table, we outline the average annual rates for drivers between their mid-30s and mid-50s by company. Take a look.

• Top 10 Car Insurance Companies: Monthly Rates for Drivers in Their 40s and 50s Insurance Company45-Year-Old Female45-Year-Old Male59-Year-Old Female59-Year-Old Male Allstate$162$160$150$154 American Family$115$117$104$105 Farmers$139$139$120$128 Geico$80$80$73$74 Liberty Mutual$171$174$148$159 Nationwide$113$115$99$104 Progressive$112$105$92$95 State Farm$86$86$76$76 Travelers$98$99$89$90 USAA$59$59$53$53 U.S. Average$119$119$106$110

• Liberty Mutual charges more than $1,400 more than average for married drivers in this age range.

• More information is available about this provider in our “ Understanding Your Car Insurance Policy.”

• Compare the Best Car Insurance Rates by Adults in Their 60s

• Take a look at this table for average annual rates for drivers in their 60s by company. Check out insurance savings in our complete “ Car Insurance Policyholder: Explained Simply.”

• Top 10 Car Insurance Companies: Monthly Rates for Drivers in their 60s Insurance Company65-Year-Old Female65-Year-Old Male Allstate$243$249 American Family$166$168 Farmers$195$204 Geico$187$190 Liberty Mutual$287$307 Nationwide$178$185 Progressive$166$171 State Farm$156$156 Travelers$171$173 USAA$121$121 U.S. Average$187$192

• Nationally, American Family and State Farm charge the least for covering drivers 60 and older.

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• Compare the Best Car Insurance Rates by Vehicle Type

• Different vehicle types can mean differing insurance rates. Take a look at this table to see what we mean.

• Top 10 Car Insurance Companies: Monthly Rates by Vehicle Type Insurance CompanyUsed SedanNew SedanUsed SUVNew SUVUsed TruckNew Truck Allstate$396$448$360$412$369$458 American Family$265$310$277$291$287$291 Farmers$367$398$311$314$341$366 Geico$258$278$258$278$258$278 Liberty Mutual$489$557$485$520$486$499 Nationwide$296$280$293$277$298$281 Progressive$369$377$304$311$326$330 State Farm$252$266$269$285$267$291 Travelers$368$388$365$392$335$368 USAA$201$202$205$211$213$238 U.S. Average$326$351$313$329$318$340

• In all cases, a new sedan will cost you more for car insurance than a used model. The same goes for SUVs, except for Nationwide, which charges less for a used model. One could expect to pay higher premiums for their older or antique car insurance.

• Compare the Best Car Insurance Rates by Credit Score

• Who has the best rates for car insurance based on credit score? If you’re below 600, then companies may want you to pay more.

• Check out the table below to see where your number lands for good, fair, and bad credit.

• Top 10 Car Insurance Companies: Monthly Rates by Credit Score Insurance CompanyGood CreditFair CreditPoor Credit Allstate$322$382$541 American Family$224$264$372 Farmers$306$325$405 Geico$203$249$355 Liberty Mutual$366$467$734 Nationwide$244$271$340 Progressive$302$330$395 State Farm$181$238$413 Travelers$338$362$430 USAA$152$185$308 U.S. Average$264$307$429

• Liberty Mutual charges more than double for car insurance for customers who have poor credit versus those with good credit. Read more: Compare Taxi Cab Insurance Rates

• Compare the Best Car Insurance Rates by Driving History

• If there’s one factor that insurance companies can use in determining rates that is non-discriminatory, it’s your driving record. Car insurance with a bad driving record will cost more. Finding the best car insurance companies after an accident requires a little more work, but it can be done.

• The table below shows how much your rates can go up with just one speeding ticket, as well as rates for several other infractions.

• Top 10 Car Insurance Companies: Monthly Rates by Driving Record Insurance CompanyClean RecordOne TicketOne AccidentOne DUI Allstate$318$374$416$522 American Family$224$252$310$361 Farmers$288$340$377$393 Geico$179$220$266$406 Liberty Mutual$398$475$517$634 Nationwide$229$259$283$379 Progressive$283$334$398$331 State Farm$235$266$283$303 Travelers$287$355$357$478 USAA$161$183$210$292 U.S. Average$260$306$342$410

• Read more:

• Speed trap? Not only will you have to pay for the ticket, but there’s a good chance you’re trapped into paying more for your insurance. Progressive charges over $600 more for drivers who have a speeding ticket than those with a clean record.

• More difficult to find are the best car insurance companies after a DUI. Some car insurance companies won’t work with you after a DUI conviction, and you’ll definitely see higher rates. However, it’s integral to compare rates after a DUI, or you’ll likely overpay for your coverage.

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• Compare the Best Car Insurance Rates by Commute

• In the case of commute distance, a shorter commute is considered 10 miles or 6,000 miles per year. A long commute is considered 25 miles or 12,000 miles per year.

• Top 10 Car Insurance Companies: Monthly Rates by Annual Mileage Insurance Company6,000 Miles12,000 Miles Allstate$403$411 American Family$283$290 Farmers$348$351 Geico$264$272 Liberty Mutual$500$513 Nationwide$286$289 Progressive$336$337 State Farm$265$279 Travelers$367$372 USAA$207$216 U.S. Average$326$333

• Rates are consistent with the top 10 companies, as there is less than a $200 difference between a short and long commute.

• Discover more about offerings in our “ Car Insurance Terms & Definitions.”

• The Best Company for Car Insurance

• The best company for auto insurance depends on individual needs. Companies like USAA, State Farm, and Geico have the lowest average rates at an average of $230.41/mo, but may not be the best company for auto insurance for you.

• When shopping for auto insurance, it’s natural to ask what is the best car insurance company. However, the answer will be different depending on a number of factors.

• On one hand, you have the car insurance companies that dominate national market shares such as Geico, Allstate, State Farm, and Nationwide, but on the other hand, you have many highly rated companies that have smaller footprints or offer specialized types of coverage.

• There really is no single best company for every driver. Keep reading to learn more.

• Enter your ZIP code into our free comparison tool to start your search for car insurance.

• Figuring Out Your Insurance Needs

• If you don’t understand what types of car insurance you need, how can you choose the best policy option? Learn about auto insurance and build a good base knowledge of the coverage you need before starting any search.

• Most car insurance companies will ask for the same information, so make a list that’s easy to read and keep it handy.

• Providing the same information to each potential car insurance company will make sure you are comparing apples-to-apples, as the quotes received will all be based on the same information.

• Some of the most important details to have are:

• Keep reading to learn more about car insurance discounts and other factors to consider when shopping for insurance.

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• Finding Car Insurance Discounts

• This is very important since a lot of drivers assume they will receive lots of discounts by answering questions. But what if the agency representative does not ask all the right questions?

• Learn what common car insurance discounts are available and make sure to ask any potential car insurance company about your eligibility.

• From multi-vehicle discounts to good grades discounts for young drivers, a wide variety of discounts are available, and ultimately it is up to you to ask for them.

• Compare the Best Car Insurance Companies by Customer Reviews

• Car insurance reviews should be researched based on the experiences of people who have filed a claim.

• Customer service is a big aspect of auto insurance, and you want to hear from people who have filed a claim, as the real test of an auto insurance company is when you have to ask them for money.

• Anyone can write a check for rates, and most customer service representatives are pretty friendly; however, when it comes to using the coverage you have paid for, it’s important to know that the claims handling team is as cooperative as the division cashing your checks.

• You may also want to look at industry rating agencies like A.M. Best, Standard & Poor’s, and J.D. Powers and Associates for financial and customer service ratings.

• State Farm offers unmatched value with their competitively priced full coverage options. Tracey L. Wells Licensed Insurance Agent & Agency Owner

• Tracey L. Wells Licensed Insurance Agent & Agency Owner

• As we noted earlier these three agencies handle most of the awards and financial stability ratings in the auto insurance industry.

• While very few of the big car insurance companies ever get a failing grade, and sometimes ratings can be a little difficult to interpret, it is still worth factoring this information into your decision process.

• Readmore: Assurant Car Insurance Review

• Why You Should Compare Rates

• Your search for car insurance started out as a car insurance comparison search, so never take the first quote or accept a policy until you really have compared enough companies to make a qualified decision.

• The best auto insurance company for you doesn’t have to be the winner of an award, just a reliable company with whom you feel comfortable. This can certainly vary depending on who you speak with.

• Access comprehensive insights into our “ Best Car Insurance for Married Couples on Separate Policies.”

• Be sure to compare rates using our free search tool below.

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• Top-Rates Car Insurance Companies

• Choosing a car insurance carrier is one of the most important insurance decisions you will ever have to make.

• Larger insurance companies have a number of advantages over smaller ones. Large companies are financially stable and able to continue providing coverage through periods of economic boom and bust. Financial stability also means larger insurers are generally more reliable than smaller ones

• If you listen to the advertisements, every car insurance company in the country would have you believe they offer the lowest rates and the best customer service. While all companies have strengths and weaknesses, some do have more of a claim on the top spot than others.

• By taking a look at the largest insurance companies and those with the best customer service, we can try and determine the top insurance company in the country. Delve into our evaluation of “ Can I transfer car insurance to another person?.”

• Enter your ZIP code into our free tool, and we will help you find the best car insurance for your needs by sending multiple car insurance quotes for free.

• Compare the Best Car Insurance Companies by Size

• Larger insurance companies have a number of advantages over smaller ones. Large companies are financially stable and able to continue providing coverage through periods of economic boom and bust.

• Their large financial base also means they’re not going to suddenly change their premiums to make up for a financial shortfall.

• Financial stability also means larger insurers are generally more reliable than smaller ones. Smaller insurance companies are also more likely to be bought and sold.

• Large companies grew from small companies by offering what customers want. They offer reliability and stability and have developed the trust you need in your insurance provider. Unlock details in our “ Should you shop around for car insurance?.”

• Car Insurance Prices by Company Size

• Many large companies are better able to compete on price as well. Although some small insurers try and undercut industry giants, they may raise their rates more quickly because their initial rate is unsustainable.

• They may also struggle to offer the same level of responsiveness for claims and policy services because they have fewer resources with which to act.

• The Largest Car Insurance Companies

• So who are the largest insurance companies? The five largest insurance companies by market share in are listed below:

• State Farm has been the largest insurance company for a long time, although it has lost market share to discount providers like Esurance.

• However, once we look at the customer service scores, you’ll see why State Farm has maintained its position, despite losing a little bit of market share. Discover insights in our “ Will car insurance companies price match?.”

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• Why Customer Service is Important

• When you buy insurance, it’s tempting to skimp on customer service. Car insurance customer service is very important, even though your insurance company is not a company you hope to interact with very often.

• However, when you need your insurance company, you really need everything to go smoothly. An accident is expensive enough without your insurance company skimping on coverage or directing you to a disreputable body shop with low rates.

• Read More: Compare Best Car Insurance Companies That Beat Quotes

• Finding the Car Insurance Company With the Best Customer Service

• Companies with good customer service scores generally provide their customers with plenty of options and an easy buying experience. Many have individual agents rather than an online-based policy buying system.

• These agents build relationships with customers and help explain what each type of coverage means and why a policyholder may need it.

• Companies without agents, where customers buy entirely online, have struggled to match the customer service scores of those with agents.

• A customer may eliminate coverage for something they really need while shopping online, not realizing they’ve done so until they have an accident.

• Some insurers also offer lower default coverage limits, so a particularly nasty accident may exceed what the insurance company has agreed to pay. Learn more in our “ Compare Comprehensive Car Insurance: Rates, Discounts, & Requirements.”

• Car Insurance Companies With the Best Customer Service

• Amica, a company that doesn’t even crack the top 10 of the largest insurance companies, received J.D. Power and Associates award for the highest customer satisfaction scores.

• They had a top rating of “among the best” in all five of the ranked categories—overall satisfaction, policy offerings, pricing, billing, payment, and contacting the insurer. Learn how you can get Amica Mutual car insurance quotes here.

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• Smaller Companies and Customer Service

• Several smaller companies didn’t do as well. Esurance, the discount insurer with the catchy commercials, scored poorly, as did 21st Century, another heavily discounted provider.

• These two were the lowest, although several other discount providers also received low scores.

• The only other company to do as well as Amica was USAA. However, USAA insurance is only open to military members and their families, and J.D. Power and Associates doesn’t rank companies with restrictions on membership.

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• The Best Large Car Insurance Company

• The best of the large insurance companies is State Farm. It received high scores in overall customer satisfaction and how easy they are to contact.

• They also had above-average marks in the rest of the categories including policy offerings, pricing, billing, and payment. Their network of agents provides a lot of support to their customers and a level of one-on-one service other companies struggle to match, which is only one of the benefits of choosing State Farm.

• The Top Insurance Company

• By combining the largest insurance companies and their J.D. Power scores, it’s clear State Farm has scored well on customer service as well as being the largest insurance provider in the country.

• The other large insurance companies had good customer service scores as well, so they’re all more or less in second place, just below State Farm

• However, since all these insurance companies price things differently, you should make sure you shop around frequently to make sure you’re still getting the best price on your car insurance.

• The best way to shop around for car insurance for free is to enter your ZIP code in our car insurance comparison tool.

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• More on Car Insurance Companies and Customer Service

• Finding the cheapest car insurance for you can be done by (1) visiting third-party review sites, (2) looking at financial ratings, and (3) comparing quotes from multiple companies.

• Everyone has his or her own preference, which is not likely to change unless there’s a major reason to do so.

• The fact is, car insurance is a very personal thing for most people.

• It’s not uncommon for an individual driver to stick with the same car insurance company throughout their entire life, especially if they’ve never had any difficulties with it.

• You can see online car insurance rates right now by entering your ZIP code in our free tool.

• What to Look for in a Car Insurance Company

• As we noted earlier, determining who is the best insurance provider requires a serious evaluation of your needs and desires.

•  For example, every insurance provider licensed to do business in your state will provide the legally required minimum coverage at a price comparable to their competitors.

• But you must ask yourself whether or not you require more coverage than simply the state minimums. If you do, you’ll find that’s where most of the price differences begin to show up.

• In terms of coverage, you should be looking for a company that will cover your needs at a price you can afford. See more details on our “ Best Full Coverage Car Insurance.”

• What to Look for in Customer Service

• Next to coverage and the bottom-line price, one of the other important factors to consider is customer service, as we’ve already discussed.

• Hopefully, you never need to make a car insurance claim, but if you do, customer service turns out to be everything.

• The last thing you need during the stress of an accident is to call your insurance company and be put on hold for an hour.

• Look for a company that is responsive to your needs not only in a timely manner, but also with a friendly, courteous, and caring attitude.

• A good place to investigate customer service is through online car insurance ratings sites such as Moody’s or Weiss Ratings as well as J.D. Power (which we’ve already spent some time discussing) and more.

• Many of these sites rate companies according to several criteria, including customer satisfaction. More information is available about this provider in our “ How do customer satisfaction ratings affect car insurance companies?.”

• Just be careful of comparison websites that glean their information from user forums or other similar resources.

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• What to Look for in Financial Stability

• In most cases, the financial stability of an insurance company won’t come into play. However, that’s not to say it’s never a factor.

• There are some insurance companies that are financially unstable and may present a problem down the road.

• The quickest and easiest way to find out where your insurance company stands is to visit the websites of some of the leading financial services rating companies.

• Two examples of these types of companies are A.M. Best and Standard & Poor’s.

• These companies rate the financial strength and future outlook of insurance companies, banks, and other financial institutions, based solely on hard numbers and forecasts by financial experts. Check out insurance savings in our complete “ How much does bankruptcy affect car insurance rates?.”

• Everything Else You Should Know About Car Insurance

• At the end of the day, whether you’re looking at the top 50 car insurance companies or the top 5 car insurance companies, the best insurance companies are the ones who can provide you with the appropriate coverage, customer satisfaction, and future stability you need.

• Finding these companies requires that you do your homework before making a decision.

• So ask friends and family, search online, and find out as much information as you can. Doing so will increase your chances of finding the right car insurance company for you.

• Get car insurance quotes from America’s best auto insurance companies by entering your ZIP code right now.

• The Major Car Insurance Companies

• When you’re looking at top-rated auto insurance companies, it’s a good idea to learn more about the major car insurance companies. Some of the factors to consider include:

• Most of the major car insurance companies appear on the Fortune 500 list, but an appearance on the Fortune 500 alone is sufficient only for identifying large companies (small car insurance companies don’t typically show up on the list).

• That list is not useful for ranking car insurance companies in the order of the major car insurers.

• Therefore, the car insurance companies identified here as the major companies serving the broader national market are identified and ranked according to market share.

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• Market Share of the Largest Car Insurance Companies

• In 2010, State Farm’s national market share was 18, meaning that it writes 18% of all of the car insurance policies written across the entire country.

• Ranking companies by market share means State Farm is at the top of the list.

• The top ten best car insurance companies in terms of market share wrote 68% of all of the car insurance policies across the country.

• Companies near the end of the list that have a market share of around only two percent still write plenty of car insurance policies.

• As an example, at the beginning of 2011, there were 254,212,610 registered highway vehicles in the United States. A two percent share of that huge market equates to more than five million policies.

• A car insurance company with only a two percent share of the market is still a large company. Keep reading to learn more about the 10 largest insurance companies in the country. Discover more about offerings in our “ The Best Car Insurance Commercials.”

• #1 – State Farm Insurance

• State Farm is the leader in the U.S. market, with a market share of 16%. Revenues decreased from $81.7 billion in 2018 to $79.4 billion in 2019.

• State Farm provides many benefits when a consumer chooses them for auto insurance.

• Although the biggest player in the auto insurance arena, State Farm will still take on car insurance for high-risk drivers with less-than-perfect driving records.

• In an auto claims satisfaction study by J.D. Power, State Farm ranked sixth compared to many of the other large insurance providers. This insurer ranks higher marks for its insurance claims process and customer service. State Farm has a local insurance agent in almost every city, so you receive more personalized attention than you do with Amica.

• The NAIC analyzed the complaints filed with state insurance regulators and concluded that State Farm was at fault for denying claims unfairly at a rate far lower than the average insurance company.

• Check out this more detailed State Farm car insurance review.

• Read More: Traits of the Worst Car Insurance Companies

• #2 – Geico

• The second-largest car insurance company in terms of market share, Geico, has been a part of Warren Buffett’s Berkshire Hathaway company for several years.

• Revenues in 2019 to $35.57 billion from $33.63 billion in 2018.

• Check out our Geico car insurance review for more information.

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• #3 – Progressive

• Progressive’s revenues increased from $31.98 billion in 2018 to $39 billion in 2019.

• Much of that increase may be attributed in part to Progressive’s extensive advertising.

• If you want more information, look into our Progressive car insurance review.

• #4 – Allstate

• In second place with a 10% share of the market, Allstate is actually larger than State Farm in terms of total revenue. Its revenues in 2018 were $39.82 billion, which increased in 2019 to $44.68 billion.

• The difference in revenues between the top two companies reflects the numbers of policies sold, not any price differences in policies.

• Check out our Allstate car insurance review if you want to learn more.

• #5 – USAA

• USAA’s revenues totaled $31.4 billion in 2009, with an increase to $35.6 billion in 2019.

• Those who are in the armed services should without a doubt look into the United Services Automobile Association or USAA. The clients of USAA are delighted with the pricing, claims, customer service, and car insurance discounts for military members provided by this carrier.

• J.D. Power and Associates rank them very high in these areas as well. The company is very strong financially, scoring the highest levels in the following five independent financial rating services:

• Their complaints are equal to or better than the average auto insurance provider as well.

• Take a look at our USAA car insurance review to learn more.

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• #6 – Liberty Mutual

• One of the oldest car insurance companies, Liberty Mutual was founded in 1912.

• It collected revenues of $41.57 billion in 2018 but increased total revenues to $43.2 billion in 2019.

• You can learn more about this company by reading our Liberty Mutual car insurance review.

• #7 – Farmers

• Founded in 1928, Farmers Insurance Group is an old company. Farmers increased its total revenues to $19.91 billion in 2019.

• See our Farmers car insurance review for more detailed information.

• #8 – Nationwide

• Nationwide is one of the smaller car insurance companies in terms of revenue, despite being founded in 1926.

• Nationwide also has been advertising extensively over the past few years, and they have a market share of 2%.

• See what Nationwide car insurance discount programs are offered.

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• #9 – American Family

• American Family Insurance, founded in 1927, increased its revenues from $10.2 billion in 2018 to $12.2 billion in 2019. As one of the United States’ top ten biggest car insurance companies, American Family holds its own in regard to customer reviews and complaints.

• In regards to customer complaints, the BBB gives it a very high mark of A+ for handling these issues in a fair, prompt, and above-board manner. Individuals in higher tax brackets seem to think highly of American Family insurance and rate the company well year after year.

• According to J.D. Power and Associates, the company does an excellent job of handling claims expeditiously and paying out quickly.

• It is a financially strong and stable company and ranks above the national average in regards to not being at fault in regards to customer complaints put before them.

• See our American Family car insurance review to learn more.

• Each car insurance company has its own personality and pursues different types of drivers. Every driver should compare quotes from several companies to find the lowest price for what fits their own situation.

• #10 – Travelers

• The Travelers Insurance Company that exists today is one that was founded in 1853.

• However, its revenues increased 4% between 2018 and 2019.

• Read more details on this company on our Travelers car insurance review page.

• How Car Insurance Company Reviews Help You

• When you’re shopping for an insurance company, whether you’re considering one of the big ten or looking specifically for the best car insurance in Washington, reviews of the companies are a good way to do some research. Some considerations when looking at reviews include:

• Since there are so many insurance companies in the industry, you may benefit from reading major car insurance company reviews. These reviews are written to inform you of the many aspects of this arena. This is a way to go beyond quote comparisons and look at the total insurance company for comparisons.

• Read more: Compare Washington DC Car Insurance Rates

• This is important since you are required to carry car insurance on your vehicle in most states in the U.S. Major car insurance company reviews include information that will educate you on choosing a good and reputable company.

• Some people may suggest a friend or family member’s recommendation. Although this type of recommendation is a good suggestion, provided this referral is in the same state, sometimes you may not receive the service you expected.

• People usually have the best intentions when they offer you a referral of any kind. If they had a good experience, they want you to have the same experience.

• Unfortunately, these good intentions sometimes backfire, and you may end up having a totally different experience from that of your friend or family member.

• Find reviews and start comparison shopping today by entering your ZIP code in our free online tool.

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• Information in Car Insurance Reviews

• When you are in the market for car insurance, your needs may be very different from somebody else’s needs. Your family makeup and all the other categories that factor into a car insurance rate may be entirely different.

• Major car insurance reviews usually contain the lines of insurance that the company offers, whether it is a large, medium, or small company, and the average capital the company earns.  Unlock details in our “Cheap Car Insurance Companies That Beat Quotes.”

• These reviews also contain the company’s rating with the most reputable insurance rating companies in the industry such as:

• Recall that we’ve noted these companies as good options in previous sections. Company ratings are typically noted in grade form.

• For example, most major car insurance companies have an “A++” or similar rating if they are solvent.

• A company’s solvency is indicative of its financial strength and ability to pay its policyholders’ claims. If the company’s future business projection does not look promising, the rating companies will give it a lower grade and offer an explanation. A company’s grade also indicates whether or not it has a good standing in the community it serves.

• Major car insurance reviews usually inform you of the types of plans they offer. The review will mention the required types of coverage for the states in which the company serves. If the company offers coverage for vehicles such as motorcycles or boats, the review may mention that as well.

• The majority of major car insurance reviews are written by policyholders and persons involved in an accident with a policyholder. These reviews are of most interest to the average consumer because they want to know the kind of service the average person receives from the company.

• Reviews written by insurance writers are more objective, and these are the ones that contain the most information about the company. If the writer is objective, they may even include information about court cases that involve major car insurance companies.

• If the company demonstrates a pattern of unethical practices and claims denials, its actions are usually made manifest in lawsuits, which are matters of public record.

• Benefits of Car Insurance Reviews

• Major car insurance company reviews are beneficial to the insurance industry because they make big corporations accountable to the public. There was a time, before the Internet when these practices went unnoticed for a longer period of time before they were made public.

• It also helps the consumer make educated decisions about who they may consider doing business with.

• Reviews are also beneficial to the insurance companies, especially those who have good intentions, and proof of it is expressed in customer and insurance writer reviews.

• There are no derogatory cases settled or pending that involve ethical companies. If there was a lesson to be learned, the company learned its lesson and is proving it by keeping its business out of the justice system. Unlock details in our “ Where to Find Car Insurance Company Reviews.”

• Disadvantages of Car Insurance Company Reviews

• For the most part, the disadvantages of major car insurance company reviews fall on the insurance company. If there are too many consistently negative customer and insurance writer reviews, the company stands to lose business.

• Bad reviews are a fair disadvantage if the company is guilty of faulty practices. There may be a couple of isolated incidents when a consumer or person involved in a serious car accident may post angry words online. However, a rational person can judge when someone is angry and emotional in a post.

• Ultimately, major car insurance company reviews carry no disadvantage to the consumer, who should have the advantage when it comes to spending their hard-earned money. Access comprehensive insights into our “ Pros and Cons of Cheap Car Insurance Companies.”

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• Compare the Best Car Insurance Companies Today

• Now that you have all of this information on the top 10 car insurance companies, are you ready to go your separate ways with your insurance provider?

• Remember when you’re shopping for a new insurance company, you should compare rates, look at company ratings for both customer satisfaction and financial stability, and company reviews.

• Remember, where you live is the most significant factor in determining what your car insurance rates will be. Delve into our evaluation of “Car Insurance Discounts: Compare the Best Discounts.”

• Before you go, use your ZIP code to get a free quote so you can start comparing rates today to make sure you get coverage from the best insurance company for your needs.

• Frequently Asked Questions

• How do I choose the best car insurance company?

• Choosing the best car insurance company involves considering several factors such as coverage options, customer service, claims handling, financial stability, and affordability. You can compare the offerings of different insurance companies, read customer reviews, and evaluate their reputation and track record to make an informed decision.

• What are the top car insurance companies?

• The top car insurance companies may vary depending on individual needs and preferences. However, some well-known and highly regarded insurance providers include State Farm, Geico, Progressive, Allstate, USAA (for military members and their families), and Liberty Mutual.

• What are the pros of choosing a reputable car insurance company?

• Pros of choosing a reputable car insurance company include:

• What are the cons of choosing a reputable car insurance company?

• Cons of choosing a reputable car insurance company may include:

• How can I find the top car insurance companies in my area?

• To find the top car insurance companies in your area, you can start by conducting online research, reading customer reviews and ratings, comparing coverage options and prices, and consulting with local insurance agents or brokers who can provide personalized recommendations.

• To find out more, explore our guide titled “The Top 5 Car Insurance Companies.”

• What are the top 10 cheapest car insurance companies?

• The top 10 cheapest car insurance companies vary by region and driver profile, but typically include providers known for low rates and discounts.

• Who are the 10 best auto insurance companies?

• The 10 best auto insurance companies are those highly rated for customer service, coverage options, and financial stability. The list can change annually based on new data.

• Where can I find auto insurance best reviews?

• Auto insurance best reviews can be found on consumer websites, insurance comparison sites, and financial industry watchdogs that evaluate and rate insurance companies.

• Which company offers the best auto insurance in Virginia?

• The best auto insurance in Virginia depends on your specific needs, but look for companies with strong local reviews and competitive pricing.

• To learn more, explore our comprehensive resource on “Erie Car Insurance Review.”

• How do I choose the best car insurance in Florida?

• To choose the best car insurance in Florida, compare rates and policies from multiple providers and consider factors like coverage options, customer service ratings, and claims satisfaction.

• What do the latest farmers insurance reviews say?

• The latest Farmers Insurance reviews often highlight their customer service, comprehensive coverage options, and the ease of filing claims.

• Get the right car insurance at the best price — enter your ZIP code below to shop for coverage from the top insurers.

• Geico vs Hartford car insurance: which is better?

• Choosing between Geico and Hartford car insurance depends on your priorities, such as cost, coverage needs, and customer service preferences, as both have their strengths.

• Are there other insurance companies like Geico?

• Yes, there are several insurance companies like Geico that offer competitive rates, extensive coverage options, and robust customer service, including Progressive and State Farm.

• To find out more, explore our guide titled “State Farm Car Insurance Review.”

• What should I know about National General Insurance?

• National General Insurance offers a range of auto insurance policies and is known for its flexible coverage options and discounts, particularly for GM vehicle owners and drivers with a spotty record.

• What is Otto Insurance?

• Otto Insurance is a broker that compares auto insurance quotes from multiple providers to help you find the best rates and coverage based on your personal needs.

• What type of insurance is most important for cars?

• Auto liability insurance is compulsory in many states. Drivers must buy at least the state-mandated minimum liability insurance. This coverage includes two parts: Bodily injury liability, which can cover expenses related to injuries of others if you are at fault in an accident.

• What is the best least expensive car insurance?

• According to our research, USAA, Nationwide, Travelers, Erie, Geico, and Progressive are the most affordable car insurance providers across the country.

• Learn more by reading our guide: “Cheap Car Insurance Companies.”

• Which is the biggest insurance company in Asia?

• About Us | AIA Group Limited: Asia’s Premier Insurance Company.

• What is the popular type of insurance?

• Term Life Insurance Plans: Term insurance is the simplest and most cost-effective type of insurance policy, offering the option to secure substantial coverage for a designated period.

• What age is car insurance most expensive?

• Car insurance tends to be most costly for young drivers between the ages of 16 and 24. This age group, typically less experienced, is prone to be involved in car accidents and make insurance claims more frequently. Consequently, insurance providers generally impose higher premiums on young drivers.

• Shop for the best liability-only car insurance with our free quote comparison tool . Enter your ZIP code below to begin.

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• Written by:

• Laura Berry

• Former Licensed Insurance Producer

• Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...

• Former Licensed Insurance Producer

• Reviewed by:

• Michael Leotta

• Insurance Operations Specialist

• Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...

• Insurance Operations Specialist

• Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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