Top 7 Best Auto Insurance Companies

Best Car Insurance Companies :

When your goal is finding the best policy at an attractive price, it pays to compare several of the highest rated companies side by side. When figuring out which companies to highlight, we looked at Reviews.com Auto Insurance Study and J.D. Power’s 2015 Auto Claims Satisfaction Study. From those studies, we handpicked several companies that received high ratings across the board.

• Allstate Insurance
• Auto-Owners Insurance
• Liberty Mutual
• Progressive
• State Farm
• The Hartford
• USAA

1. Allstate Insurance:

 

 

 If you’re looking for a company that offers high quality insurance policies with the opportunity for discounts, Allstate Insurance should be on your short list. Allstate received fairly high ratings across both studies mentioned in this article, with its highest marks received from customers who reported a positive rental car experience.

Allstate Insurance offers the best of both worlds when it comes to the user experience. With brick and mortar offices and agents placed all over the country plus a user-friendly and helpful website, customers have the opportunity to get in-person help or access information online at any time.

  Why you might like Allstate:

1. Most areas have a physical office and local agents
2. Multiple opportunities for discounts for bundling, anti-theft devices, and passive restraint
3. Consumer-friendly website

Why you should keep looking:

1. Several comparable companies received higher ratings across the board
2. Can be expensive if you don’t bundle policies

2. Auto-Owners Insurance:

 

 

 

While Auto-Owners Insurance keeps a fairly low profile, they receive extremely high marks across the board. In fact, J.D. Power awarded Auto-Owners Insurance the highest rating in their 2015 Auto Claims Study, with a 5/5 in every category except for rental car experience. That puts Auto-Owners Insurance ahead of the pack in terms of overall customer satisfaction whenever a claim is filed.

The fact that Auto-Owners Insurance has been around since 1916 should also put consumer’s minds at ease. During that time, they have exhibited financial stability consistently. Auto-Owners Insurance also has 6,300 independent agents, meaning you can buy your policy directly from an individual who understands your needs.

Why you might like Auto-Owners Insurance:

1. High ratings for customer service and claims experiences
2. Individual agents who care
3. Variety of discounts available

Why you should keep looking:

1. Policies can be expensive if you don’t qualify for discounts
2. Website isn’t as user-friendly as it could be

3. Liberty Mutual Insurance:

 

 

Around since 1958, 21st Century Insurance became a wholly owned subsidiary of AIG in 2007.  Currently they insure more than 1.5 million vehicles and has some of the top customer service ratings.

 

Why you might like 21st Century:

1. Excellent ratings for claims and customer experiences
2. New car replacement free on all policies
3. Accident forgiveness standard
4. 24-hour claims service

Why you should keep looking:

1. Policies can be expensive if you are purchasing a single policy.

4. Progressive Insurance:

 

 

Progressive Insurance is known for its constant barrage of advertisements, but they also have a solid base of customers who seem quite happy with their products. Although they didn’t receive the best marks possible from J.D. Power’s 2015 Claims Study, they come in extremely competitive when it comes to pricing.

Other benefits Progressive offers include plenty of opportunity for discounts, a solid online presence, and their Snapshot program, which rewards good driving behavior.

Why you might like Progressive:

1. Plenty of available discounts and competitive pricing
2. Great online presence

Why you might keep looking:

1. Other companies receive higher ratings across the board
2. Scarce individualized attention from agents

5. State Farm

Founded in 1922, State Farm Insurance has a history of financial stability and customer service satisfaction. With physical offices and agents dispersed throughout the country, State Farm is also known for offering individual service that simply cannot be matched by online-only firms.

The company’s biggest benefits include its brick-and-mortar stores and agents, the many discounts it offers, and its strong mobile app. State Farm also makes it easy and painless to get quotes online, which means you don’t have to head into a local office if you don’t want to.

 

Why you might like State Farm:

1. Local offices and agents provide in-person help
2. Great mobile app and website
3. Plenty of discounts available

Why you might keep looking:

1. Average ratings from J.D. Power

6. The Hartford Insurance:

With more than 200 years of history in business, The Hartford has built an excellent reputation for customer service and claims processing. As of today, the company is still receiving high marks from companies like J.D. Power. In its 2015 Auto Claims Satisfaction study, The Hartford received excellent marks (4/5 or 5/5) in every category except for service interaction.
Although The Hartford is an old company, they still offer some of the best technology in the business. Using their website, you can shop around for and even apply for a new policy. Plus, you’ll have 24/7 access to agents either on the phone or online.

Why would you like The Hartford:

1. Multiple policy discounts
2. Top ratings for claims management
3. Guaranteed renewals of your policy as long as you can drive

Why you might keep looking:

1. Low ratings for service experiences during the claims process
2. The best benefits go to AARP members

7. USAA

USAA received extremely high marks from J.D. Power’s Claims Satisfaction Survey, including 5/5 in overall customer satisfaction. In addition, USAA customers were extremely satisfied with their final settlement after an accident, which is one of the most important indicators or a high quality insurance company.
The biggest downside to USAA is that it is only available to members or former members of the United State military and their close family members. So, if you’re in the general public, you won’t have the opportunity to buy a policy from USAA.

Why would you like USAA:

1. Top ratings, including overall customer satisfaction
2. Superior customer service
3. Diverse policy options to meet anyone’s needs

Why you might keep looking:

1. Only available to U.S. military members, veterans, or their close family members