Best Car Insurance Companies

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The Rundown

If you're heading out on vacation or a cross-country road trip, the last thing you want to worry about is anything going wrong with your car. But the reality is that car accidents happen all the time, and being prepared is key.

While car insurance is required by law in most states, it also offers peace of mind so you can minimize the financial risks of a collision or other car trouble. To make sure your journey goes as seamlessly as possible, we scoured the internet for the best insurance companies.

Our Top Picks

01 of 05

Best Overall: Amica Mutual Insurance

Amica

Amica

Why We Chose It: If you’re looking for comprehensive coverage with well-reviewed customer support and claims satisfaction, Amica’s extensive nationwide coverage and flexible policies are the best overall.

What We Like
  • Customer service and claims satisfaction receive high marks

  • Roadside assistance includes a range of services

  • Coverage available in every state except Hawaii, plus the District of Columbia

What We Don’t Like
  • May be difficult to get a policy with a low credit score

  • More expensive than some options we considered

Available in every state except Hawaii, Amica Mutual Insurance is a well-established insurance company that provides customers with home, life, and auto insurance. Drivers can choose from a wide selection of coverage and take advantage of the company’s excellent customer service and claims satisfaction team. Amica is also one of few insurance companies that offers dividend policies, so you’ll get back about 20% of your annual premium as a dividend payment. 

Amica’s online quote builder is user-friendly and makes it easy to build a policy with everything from basic medical payment, personal and bodily injury protection, and property damage coverage to collision, comprehensive, and auto loan/lease coverage. And, like other top providers, Amica offers 24/7 roadside assistance that covers towing, tire changes, jump starts, and fuel delivery if you run out on the road. This makes it an excellent option—especially if you’re on a road trip.  

Finally, policyholders can take advantage of discounts for bundling, homeownership, safety equipment, and autopay, among others. Good students, claim-free drivers, and those who have completed young driver or defensive driver training can also save on their premiums.

02 of 05

Best Budget: GEICO

GEICO

 GEICO

Why We Chose It: With coverage in all 50 states, a wide selection of discounts, and competitive pricing, GEICO is a standout.

What We Like
  • Coverage available in all 50 states and the District of Columbia

  • Prices are more competitive than other top insurers

  • Website and online quote generator are intuitive and user friendly

What We Don’t Like
  • Claims satisfaction reviews are slightly lower than some competitors

GEICO is the second-largest auto insurance company after State Farm, and lets drivers access robust coverage options available at competitive rates. Like other insurers, GEICO offers basic bodily injury and property damage liability coverage, as well as more advanced medical, uninsured motorist, collision, and comprehensive coverage. 

Policies can be further customized with emergency road service, rental reimbursement, and mechanical breakdown insurance. The selection of discounts is also ample, and drivers can save based on vehicle equipment, driving history and habits, driver’s education, driver affiliation, and customer loyalty.

Drivers can also take advantage of GEICO’s easy-to-use online quote-building tool and streamlined enrollment process. Bonus: GEICO is well-known for its excellent mobile app, which simplifies policy management and claims reporting. Not only can policyholders download policy ID cards and report claims, but they can also request roadside assistance, and check the status of pending claims.

03 of 05

Best Customized Policies: Progressive

Progressive

 Progressive

Why We Chose It: If you’re looking for a flexible car insurance policy that fits a range of coverage, discount, and budget needs, Progessive provides the best option for drivers who want a customized policy.

What We Like
  • Online quote builder makes it easy to build a customized policy

  • Extensive coverage options, including a usage-based insurance program 

  • Policyholders can take advantage of several discounts, including the Snapshot program

What We Don’t Like
  • Does not offer mechanical breakdown coverage

As one of the largest car insurance providers in the United States, Progressive connects auto owners with affordable car insurance.

In fact, the company’s Name Your Price Tool lets drivers meet their state’s minimum coverage requirements while staying within budget. In addition to standard policy offerings, Progressive lets drivers choose from coverage for custom parts and equipment, classic cars, and Mexican travel insurance for driving across the border.

Progressive customers get access to a number of discounts and a mobile app that includes the Name Your Price Tool and Comparison Tool. Policyholders can also use the app to manage their policy, get 24/7 roadside assistance, file a claim, make payments, and obtain a digital policy ID card. That said, some policyholders report issues with claims satisfaction, though the company has a top rating with the Better Business Bureau.

04 of 05

Best for Roadside Assistance: Allstate

Allstate

Allstate

Why We Chose It: Our top pick for roadside assistance coverage, Allstate offers three flexible plans including pay-per-use, insurance add-on coverage, and a membership option that’s even available to those not otherwise insured by Allstate.

What We Like
  • Offers flexible roadside assistance plans, including for non-Allstate policyholders

  • Drivewise make it easy to become a safer driver and save on auto insurance

  • Coverage is available nationwide

What We Don’t Like
  • More expensive than many other top auto insurance providers

Boasting a nationwide network of agents, Allstate lets drivers choose from a range of policies, including liability, collision, comprehensive, and medical payments coverage. Policyholders also get access to a number of discounts—including for safety equipment, auto-pay, and multiple policies—along with Allstate’s mobile app, which simplifies ID card access, claims reporting, bill pay, and roadside assistance.

That said, Allstate is featured because of the company’s extensive roadside assistance options. Not only can Allstate policyholders opt into insurance add-on coverage for as little as roughly $25 per vehicle, but drivers insured by other providers can also take advantage of membership plans that start at around $79 annually. There’s also a pay-per-use option that starts at approximately $119 per tow for one-time, immediate service.

Continue to 5 of 5 below.
05 of 05

Best Customer Support: State Farm

State Farm

State Farm 

Why We Chose It: State Farm stands out as the best option for one-on-one customer support because of its large network of agents who can help customers build custom policies nationwide.

What We Like
  • Policyholders work directly with local State Farm agents

  • Excellent customer service record

  • May be cheaper than competitors like GEICO for certain drivers

What We Don’t Like
  • Coverage options are more limited than for some top insurers

Because State Farm is a network of insurance companies, drivers can work with one of the insurer’s 19,000 local agents. This means policyholders get access to State Farm’s robust coverage options and the support of a local agent who can walk them through a policy that fits their unique car insurance needs. State Farm also has an excellent customer support record and consistently has an above-average J.D. Power (market research) customer satisfaction rating. 

Drivers can build a policy including liability, collision, comprehensive, rental, rideshare insurance, and more. Emergency road service coverage is also available to cover towing, delivery of fuel, locksmith labor, and other common, reasonable expenses that pop up if your car breaks down.

Final Verdict

With all of the car insurance providers and coverage options available, it can be difficult to narrow down the best choice for your vehicle. However, several insurance companies stand out from the rest—especially if you’re looking for competitive prices, intuitive tech, and responsive customer support. 

Amica Mutual Insurance, our best car insurance provider overall, excels because of its high marks for customer service and claims satisfaction. Policies are available in every state except Hawaii (plus the District of Columbia), and drivers can choose from extensive, customizable policy options—including robust roadside assistance coverage.

What Does Car Insurance Cover?

Car insurance coverage depends on the type of policy you purchase. Basic liability insurance covers expenses if you cause an accident; this type of policy also covers bills if you damage property or injure someone with the insured vehicle. Personal injury protection extends coverage to medical expenses for you and your passengers, while uninsured/underinsured motorist coverage pays bills if an accident is caused by an uninsured driver. 

Though not required, collision coverage is a type of no-fault insurance that helps you pay for repairs to your own vehicle after an accident. Comprehensive insurance goes beyond by covering other types of damage—like that caused by weather, animals, theft, and vandalism.

How Much Does Car Insurance Cost?

The average annual cost of a minimum car insurance policy is about $565, while the average cost of a full coverage policy is roughly $1,674 per year. That said, the exact cost of car insurance depends on several factors, including the driver’s age, location, and credit score. 

How Much Car Insurance Do I Need?

Many states only require drivers to carry liability insurance that covers damage and injuries you’re responsible for; however, you may also be required to carry personal injury protection or uninsured/underinsured motorist protection. Policy limit requirements also vary by state—with some requiring as little as $5,000 in property damage coverage; check with a local insurance agent to determine minimum coverage requirements. 

Beyond basic coverage, you can customize a car insurance policy with collision insurance, comprehensive insurance, or add-ons for roadside assistance, personal property protection, or rideshare coverage. When deciding how much coverage you need, consider the value of your car, your driving record, and how much you’ll be able to pay out of pocket if you’re in an accident.

How We Chose the Best Car Insurance

To identify the best car insurance companies, we compared 15 insurers based on coverage options, price, discounts, customer service, and claims satisfaction reviews. We also evaluated whether each option provides drivers an easy-to-use online quote builder and a user-friendly mobile app for policy management and claims reporting. Finally, we researched each insurance provider’s roadside assistance options to ensure you’re covered on your next trip—whether it’s cross-country or just down the street.

Article Sources
TripSavvy uses only high-quality, trusted sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial policy to learn more about how we keep our content accurate, reliable and trustworthy.
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  3. Brennan, Rachael. "How Much Car Insurance Do You Really Need?" Moneygeek.

  4. Waite, Anamarie. "How Much Car Insurance Do I Need?" Wallethub.

  5. Swartz, Anna and Stephanie Nieves. "How much car insurance do you need?" Policygenius.

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