极速体育直播page极速体育直播CarThe Best Car 极速体育直播 Companies for 2020
Last updated on Oct 14, 2020

The Best Car 极速体育直播 Companies for 2020

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    The 7 Best Car 极速体育直播 companies

    Not all car insurance companies are created equal, but finding the right provider for your needs is essential. To simplify your car insurance buying experience, we reviewed the best car insurance companies for 2020 and scored them based on affordability, customer support, coverage options, customer satisfaction and online resources. 

    Best Auto 极速体育直播 Companies: Summed Up

    RankCompanyReviews.com ScoreAM Best RateJ.D. PowerAverage Annual Rate
    1Amica5/5A+898$1,499
    2USAA4.4/5A++900$1,484
    3State Farm4.4/5A++878$1,681
    4Liberty Mutual4.4/5A857N/A
    5Progressive4.2/5A+856$1,910
    6Geico4.2/5A++879$1,260
    7Erie3.6/5A+879$1,141

    Data powered by as of 9/30/2020

    Amica

    Best overall

    Amica is one of the few car insurance companies that offers dividend policies, where you can get back up to 20% of your premium.
    • 5 Reviews Score
    • A+ AM Best Rate AM Best rates car insurance provider鈥檚 creditworthiness. Ratings are based on the provider鈥檚 ability to follow through with a payout when a consumer files a claim.
    • 898 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Amica is one of the few car insurance companies that offers dividend policies, where you can get back up to 20% of your premium.

    Pros

    • Offers dividend policies
    • Variety of discounts available
    • Good customer service ratings

    Cons

    • Not available nationwide
    • Rates can be expensive
    Read More

    Types of Coverages Offered

    • Personal injury protection
    • Glass coverage
    • Roadside assistance
    • Rental car reimbursement
    • Platinum Choice Auto庐 (accident forgiveness, identity theft monitoring, and prestige rental coverage)
    • Free lock replacement
    • Free repair for a deployed airbag
    • No depreciation for totaled vehicle replacement
    • Lost wage reimbursement for court appearances
    • $1,000 for bail bonds

    Discounts available

    • Policy bundling
    • Loyalty
    • Claims-free
    • Multi-vehicle
    • 极速体育直播owner
    • Family
    • AutoPay
    • Pay in full
    • Paperless billing
    • Vehicle discounts (anti-theft device, passive restraint, electronic stability, forward collision warning, adaptive headlight)
    • Defensive driving training
    • Good student
    • Driving training
    • Student away at school

    Further Reading on Amica:

    USAA

    Best for military members

    USAA offers affordable and top-rated car insurance to members of the military, their spouses and children.
    • 4.4 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider鈥檚 creditworthiness. Ratings are based on the provider鈥檚 ability to follow through with a payout when a consumer files a claim.
    • 900 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers affordable and top-rated car insurance to members of the military, their spouses and children.

    Pros

    • Personalized customer service
    • Affordable policies
    • Many discounts

    Cons

    • Only available to active and retired military members
    • Very few branch locations
    Read More

    Types of Coverages Offered

    • Personal injury protection
    • Extended benefits coverage
    • Roadside assistance
    • Rental car reimbursement
    • Accident forgiveness

    Discounts available

    • Safe driver
    • Defensive driving course
    • Driver training course
    • Good student
    • New vehicle
    • Multi-vehicle
    • Annual mileage
    • Vehicle storage
    • Family discount
    • Length of membership
    • Military installation
    • Policy bundling

    Further Reading on USAA:

    State Farm

    Best for customer service

    State Farm offers great customer service with nearly 19,000 agents and plenty of online support options.
    • 4.4 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider鈥檚 creditworthiness. Ratings are based on the provider鈥檚 ability to follow through with a payout when a consumer files a claim.
    • 878 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm offers great customer service with nearly 19,000 agents and plenty of online support options.

    Pros

    • Impressive financial strength
    • High claims satisfaction ratings
    • Great discounts

    Cons

    • Expensive policies
    • Fewer add-on coverages than competitors
    Read More

    Types of Coverages Offered

    • Rental car and travel expenses coverage
    • Roadside assistance coverage
    • Rideshare driver coverage

    Discounts available

    • Policy bundling
    • Accident-free
    • Defensive driving course
    • Student away at school
    • Good driver
    • Driving training
    • Good student
    • Vehicle safety
    • Passive restraint
    • Anti-theft device
    • Multi-vehicle

    Further Reading on State Farm

    Liberty Mutual

    Best for car replacement coverage

    Liberty Mutual is a great pick if you鈥檙e looking for a new car or better car replacement coverage.
    • 4.4 Reviews Score
    • A AM Best Rate AM Best rates car insurance provider鈥檚 creditworthiness. Ratings are based on the provider鈥檚 ability to follow through with a payout when a consumer files a claim.
    • 857 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Liberty Mutual is a great pick if you鈥檙e looking for a new car or better car replacement coverage.

    Pros

    • Good discounts for a variety of drivers
    • Great customer experience
    • Comprehensive coverage options

    Cons

    • Higher-than-average premiums
    • Poorly rated claims handling
    Read More

    Types of Coverages Offered

    • Personal injury protection
    • Deductible fund
    • Lifetime repair guarantee
    • New car replacement coverage
    • Better car replacement coverage
    • Rental car reimbursement
    • Roadside assistance
    • Gap insurance
    • Original parts replacement coverage
    • Mexico coverage
    • Teachers coverage

    Discounts available

    • 极速体育直播owner
    • Military
    • Early shopper
    • Good student
    • Student away at school
    • Advanced safety features
    • Alternative energy discount
    • Anti-theft device
    • Accident-free
    • Violation-free
    • RightTrack program
    • Multi-policy
    • Multi-vehicle
    • AutoPay
    • Pay in full
    • Online purchase
    • Paperless billing

    Further Reading on Liberty Mutual

    Progressive

    Best for discounts

    Progressive offers a long list of discounts that can help drivers lower their auto insurance premiums.
    • 4.2 Reviews Score
    • A+ AM Best Rate AM Best rates car insurance provider鈥檚 creditworthiness. Ratings are based on the provider鈥檚 ability to follow through with a payout when a consumer files a claim.
    • 856 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive offers a long list of discounts that can help drivers lower their auto insurance premiums.

    Pros

    • Great discounts
    • Fast and efficient claims handling
    • Variety of add-on policies for customization

    Cons

    • Average customer service ratings
    • Some discounts not offered in certain states
    Read More

    Types of Coverages Offered

    • Roadside assistance
    • Gap insurance
    • Rental car reimbursement
    • Custom parts and equipment coverage
    • Rideshare coverage
    • Deductible savings bank

    Discounts available

    • Multi-policy
    • Multi-vehicle
    • Continuous insurance
    • Snapshot庐 program
    • Teen driver
    • Good student
    • Distant student
    • 极速体育直播owner
    • Online quote
    • Sign online
    • Paperless billing
    • Pay in full
    • AutoPay

    Further Reading on Progressive

    Geico

    Best for affordable policies

    Geico is known for offering cheap car insurance policies, even for high-risk drivers and drivers with poor credit.
    • 4.2 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider鈥檚 creditworthiness. Ratings are based on the provider鈥檚 ability to follow through with a payout when a consumer files a claim.
    • 879 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico is known for offering cheap car insurance policies, even for high-risk drivers and drivers with poor credit.

    Pros

    • Very affordable policies
    • Good discounts
    • Strong financial ratings

    Cons

    • Not the best customer service
    Read More

    Types of Coverages Offered

    • Personal injury protection
    • Roadside assistance
    • Rental car reimbursement
    • Mechanical breakdown coverage

    Discounts available

    • Vehicle safety features (airbags, anti-lock brakes, anti-theft system and daytime lights)
    • New vehicle
    • Good driver
    • Seat belt use
    • Defensive driving course
    • Driver education course
    • Good student
    • Emergency deployment
    • Federal employee
    • Employee membership
    • Military
    • Multi-vehicle
    • Multi-policy

    Further Reading on Geico

    ERIE 极速体育直播

    Best for add-on coverage

    Erie offers a number of add-on coverages that allow you to fully customize your car insurance policy based on your needs.
    • 3.6 Reviews Score
    • A+ AM Best Rate AM Best rates car insurance provider鈥檚 creditworthiness. Ratings are based on the provider鈥檚 ability to follow through with a payout when a consumer files a claim.
    • 879 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Erie offers a number of add-on coverages that allow you to fully customize your car insurance policy based on your needs.

    Pros

    • Good customer service
    • Great add-on coverages for customizable policies
    • Discounts to help you save

    Cons

    • Limited availability
    • More expensive premiums
    Read More

    Types of Coverages Offered

    • Pet coverage
    • Personal item coverage
    • Glass repair coverage
    • Roadside assistance
    • Rental car reimbursement
    • Locksmith coverage
    • Erie Rate Lock program
    • First accident forgiveness
    • Diminishing deductible program
    • New car protection
    • Better car protection
    • Rideshare coverage
    • Non-owners insurance

    Discounts available

    • Safe driving
    • Car safety features
    • Multi-vehicle
    • Multi-policy
    • Reduced mileage
    • Young drivers
    • Annual payment plan

    Further Reading on Erie 极速体育直播

    Factors that affect your insurance cost

    State鈥檚 minimum requirements

    Every state has a minimum amount of car insurance coverage that drivers are required to carry. The more coverage that鈥檚 required, the more expensive your insurance premium is. But even if you鈥檙e paying a higher rate, you can still take advantage of discounts that can help lower the cost.

    Financial situation

    When you file a car insurance claim, you鈥檙e required to pay a deductible before the insurance company reimburses you for the loss. Your deductible is an out-of-pocket cost, and the lower your deductible is, the higher your insurance premium is.

    Vehicle

    The vehicle you drive has a big impact on your car insurance rate. Certain makes and models, like SUVs and luxury cars, are much more expensive to insure than sedans. The age and mileage of your car will also affect your rate. Typically, newer cars with low mileage cost more to insure than older cars.

    Driving record

    Before you can buy car insurance, the company reviews your driving record to determine your past claims history and recent violations. If you have filed insurance claims in the past or have accidents or speeding tickets on your record, you can expect to pay more for your car insurance.

    How much coverage you need

    The more car insurance coverage you need, the more money you鈥檒l pay. If you choose to raise your policy limits above the standard amount, your rate will increase. You鈥檒l also pay a higher car insurance premium if you add endorsements to your policy. 

    Credit Score

    Your credit score is one of the biggest factors that goes into your car insurance rate. A driver with a poor credit score will pay significantly more for their insurance than a driver with a good credit score. 

    Location

    Car insurance prices vary by region. According to the , Louisiana, Michigan and Florida have the highest rates, whereas North Dakota, Maine and Iowa have the lowest rates. The risk of severe weather, the number of uninsured drivers, and the type of state contribute to the cost of insurance in a given state.

    Marital Status

    Surprisingly, your marital status has an impact on your car insurance premium. Married people tend to pay less for insurance than single people. Additionally, married couples often qualify for a discount if they insure two vehicles on the same policy. 

    Gender

    Gender is another thing that impacts your car insurance rate. Men typically pay less for their insurance than women. However, there are that do not consider gender when calculating car insurance rates. Those states include California, Hawaii, Massachusetts, Montana, North Carolina, Pennsylvania, and Michigan.

    Claims History

    For an insurance company, it鈥檚 much riskier to insure a driver with a history of claims. That鈥檚 why drivers who have filed insurance claims in the past pay more for their insurance. Not only do claims-free drivers pay less, but they usually qualify for a discount because of it.

    Discounts 

    Most insurance companies offer discounts, and if you qualify for one, it can lower your rate. Some examples of common discounts are policy bundling, having safety features in your car, taking a defensive driving course, being a good student, being claims-free, and paying your annual premium in full.

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com rating. These ratings were produced with you, our readers, in mind, and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. Since auto insurance rates vary widely among different profiles, we encourage you to continue researching options that fit your specific needs.

    FAQs

    About the Authors

    Elizabeth Rivelli

    Elizabeth Rivelli Contributing Writer

    Elizabeth Rivelli is a Rhode Island-based copywriter and content marketing consultant. She has expertise writing about home, auto and business insurance, and has been published in widely-read publications, including the Simple Dollar, Bankrate and Decision Data. Elizabeth holds a BA in Communications from Northeastern University in Boston.

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