We evaluated the best auto insurers to find the best car insurance companies based on best average rates for a variety of vehcile drivers, coverage best features available, levels of complaints about campany and their collision claims process. Satisfaction with car insurance companies now days is high right now, according to a recent report of many sources and Advisor survey. But many car owners are still thinking of about switching the campanies.
The Best Car Insurance Companies of 2023
- American Family – Best for Low Level of Complaints
- Auto-Owners – Best Cost for Drivers Who Have Caused an Accident
- Nationwide – Good for Usage-based or Mileage-based Insurance
- USAA – Best for Military Members & Veterans
- Geico – Best Overall Car Insurance Rates
- Travelers – Best Price for Gap Insurance
- Westfield – Best Family Discounts
- Erie – Best Grade from Collision Repair Professionals
- Progressive – Best Price for Drivers With a DUI
- State Farm – Best Renewal Discount
| Rating: | 5.0 |
| Average annual cost for good drivers: | $2,176 |
| Average annual cost for drivers with a speeding ticket: | $2,536 |
| Complaint level: | Very Low |
- American Family has a very low level of complaints made to state insurance departments about auto insurance.
- Costs are decent for drivers with a DUI.
- Will file SR-22s when needed.
- Offers accident forgiveness and vanishing deductible.
- New car owners can buy gap insurance from American Family.
- Offers a usage-based insurance program (KnowYourDrive) for good drivers who want to reduce their auto insurance costs based on driving habits.
- Offers nonowners car insurance coverage.
- Lyft and Uber drivers can get rideshare insurance with American Family.
- Has only average car insurance costs for good drivers (those with a clean driving record).
- Costs for adding a teen driver to a parent’s policy are only so-so.
- Young drivers’ and senior drivers’ auto insurance costs are mediocre.
- American Family is only available in 19 states and not nationwide.
| Rating: | 5.0 |
| Average annual cost for good drivers: | $1,628 |
| Average annual cost for drivers with a speeding ticket: | $2,250 |
| Complaint level: | Very Low |
- Superb car insurance costs for drivers who have caused an accident. (USAA is a bit cheaper but eligibility is restricted to military families and veterans.)
- Offers accident forgiveness and a diminishing deductible.
- Gives a pretty good discount of 14%, on average, for paying in full for an auto insurance policy.
- Gap insurance and new car replacement coverage are available.
- Good drivers can try out Auto-Owners’ usage-based insurance program (TrueRide) to possibly lower their car insurance costs.
- Received a high grade from collision experts on its claim process.
- There are cheaper car insurance offerings out there if you have a DUI or poor credit.
- Costs for adding on a teen driver are only so-so.
- Drivers in need of SR-22 filings will have to look elsewhere.
| Rating: | 5.0 |
| Average annual cost for good drivers: | $2,041 |
| Average annual cost for drivers with a speeding ticket: | $2,439 |
| Complaint level: | Very Low |
- Offers usage-based insurance program (SmartRide) for good drivers who want to lower their car insurance costs based on driving habits.
- Also offers a pay-per-mile insurance program (SmartMiles) for low-mileage drivers who want to save.
- Fairly good insurance rates when adding a teen driver to a policy, which is typically very expensive for parents.
- Relatively affordable premiums for drivers with poor credit.
- Offers accident forgiveness, new car replacement and vanishing deductible options to add to a policy.
- High auto insurance costs for drivers who caused an accident with injuries.
- Car insurance rates for drivers with a DUI is higher than other top competitors.
- Rideshare insurance coverage is not offered.
| Rating: | 5.0 |
| Average annual cost for good drivers: | $1,412 |
| Average annual cost for drivers with a speeding ticket: | $1,709 |
| Complaint level: | Average |
- Low costs for not only good drivers but also ones with an accident, ticket or DUI on their records.
- Also offers good rates for seniors and young drivers, two age groups that can be expensive to insure.
- Offers accident forgiveness and new car replacement.
- Offers a rideshare insurance coverage option.
- Has a usage-based insurance program (SafePilot) good drivers can use to potentially lower their car insurance costs.
- Not everyone is eligible for coverage.
- Only offers policies to veterans and active members of the military, plus their immediate families.
- USAA’s average bundling discount for auto and home insurance is fairly low at only 6%.
- There are cheaper car insurance options if you’re adding a teen to a policy.
- Does not offer gap insurance.
| Rating: | 4.5 |
| Average annual cost for good drivers: | $1,716 |
| Average annual cost for drivers with a speeding ticket: | $2,098 |
| Complaint level: | Average |
- Great auto insurance rates for good drivers and also folks who have a speeding ticket, poor credit or were caught driving without insurance.
- Also offers great rates for seniors and young drivers, who can be very expensive to insure.
- Offers accident forgiveness.
- Offers a usage-based insurance program (DriveEasy) for good drivers who want to try to reduce their auto insurance costs based on driving habits.
- Geico’s car insurance prices for drivers with a DUI are only so-so.
- You’ll have to look elsewhere if you want coverage features such as new car replacement, a vanishing deductible or rideshare insurance.
- Geico’s average discount for bundling auto and home insurance is rather low at 8%.
| Rating: | 4.5 |
| Average annual cost for good drivers: | $1,852 |
| Average annual cost for drivers with a speeding ticket: | $2,481 |
| Complaint level: | Very Low |
- Great price for loan/lease gap insurance at around $39 per year.
- Offers accident forgiveness and also minor violation forgiveness.
- Offers a usage-based insurance program (IntelliDrive), which could get safe drivers a discount.
- Has a very low level of complaints made about it to state insurance departments.
- Auto insurance costs are on the high side for adding a teen driver to a policy.
- Average cost for senior drivers is high.
- Offers rideshare insurance, but only in a couple of states.
- Travelers’ bundling discount for buying both auto and home insurance is on the low end at only 10%.
| Rating: | 4.5 |
| Average annual cost for good drivers: | $1,759 |
| Average annual cost for drivers with a speeding ticket: | $2,001 |
| Complaint level: | Very Low |
- Offers fairly low cost car insurance for good drivers and also people with an accident or ticket on their records.
- Also offers good rates for senior drivers and those with poor credit.
- Gap insurance is available.
- Has a very low level of complaints made about it to state insurance departments.
- Received a good grade from collision experts for its collision claim process.
- Offers various family discounts including a discount for teen drivers in your household and adult children obtaining their own Westfield car insurance policies.
- Highest average auto insurance cost for drivers with a DUI among the companies we analyzed.
- Pretty pricey to add a teen driver to your policy.
- Doesn’t offer new car replacement or accident forgiveness.
- Only available in 10 states, mostly in the Midwest.
| Rating: | 4.0 |
| Average annual cost for good drivers: | $2,144 |
| Average annual cost for drivers with a speeding ticket: | $2,316 |
| Complaint level: | Higher than the industry average |
- Offers terrific car insurance rates when adding a teen to a policy.
- Reasonable auto insurance prices for those who have been in an accident or for drivers with a speeding ticket on their record.
- Good for new car owners as it offers gap insurance and new car replacement coverage.
- Has accident forgiveness and vanishing deductibles.
- Received a high grade from collision experts on its claim process.
- It’s easy to budget costs with Erie’s Rate Lock, which keeps your price the same year after year unless you make certain changes to your policy, such as adding or removing a car.
- Has high average rates for drivers with bad credit.
- Doesn’t offer a usage-based auto insurance program.
- Is regional and only available in 12 states.
- Has a higher-than-average level of complaints made about its auto insurance to state insurance departments. Most complaints against Erie are related to surcharges and premiums.
| Rating: | 4.0 |
| Average annual cost for good drivers: | $2,157 |
| Average annual cost for drivers with a speeding ticket: | $2,793 |
| Complaint level: | Low |
- Great prices for drivers with a DUI on their records. (USAA is a tad cheaper but eligibility is restricted to military families and veterans.)
- New car owners can buy gap insurance.
- Offers accident forgiveness and a vanishing deductible.
- Offers nonowner car insurance and SR-22 filings.
- Only so-so auto insurance prices for good drivers, those speeding tickets and those with poor credit.
- High car insurance costs for drivers who have been in an accident or had a gap in insurance coverage.
- Senior drivers and young drivers may see high rates with Progressive.
- Doesn’t offer new car replacement.
- Good drivers can try out Progressive’s usage-based program (Snapshot) to potentially receive a decent discount. But your rates could go up if your driving score with the program is low. Progressive says rates go up for 20% of drivers who use Snapshot.
| Rating: | 4.0 |
| Average annual cost for good drivers: | $1,959 |
| Average annual cost for drivers with a speeding ticket: | $2,311 |
| Complaint level: | Low |
- Pretty good renewal discount of 14% on average if you stay with State Farm for at least three consecutive years.
- Competitive car insurance rates for drivers with speeding tickets on their records.
- Good average price for adding a teen driver to a parent’s policy.
- Will file SR-22 forms for those who must have them.
- Offers a usage-based insurance program (Drive Safe & Save) for drivers willing to be monitored to try to get a discount based on driving habits.
- A low level of complaints filed with state insurance departments about car insurance.
- Highest average rates for drivers with poor credit among the companies we analyzed.
- Mediocre auto insurance costs for good drivers and those with an accident or DUI on their record.
- Doesn’t offer gap insurance.
- You’ll have to look elsewhere if you want coverage options such as accident forgiveness, new car replacement or a vanishing deductible.
Summary: Car Insurance Company Ratings
What is Car Insurance?
Car insurance is a type of insurance that covers your car and pays for any damages that may occur in the event of an accident or other mishap. It’s important to have car insurance as it can help protect you financially in the event of an accident. Car insurance is also required by law in most states, so it’s important to have it if you plan on driving.
Benefits of Car Insurance
There are many benefits to having car insurance. First and foremost, it’s important for financial protection. Car insurance can help cover the cost of repairs, medical bills, and other expenses that may arise in the event of an accident. It can also help protect you from any legal issues that may arise. Additionally, car insurance can help lower your car payment and can even provide discounts on other types of insurance.
Average Yearly Costs for Liability, Comprehensive and Collision Insurance
Cheapest Auto Insurance Companies by State
| State | Cheapest company for good drivers | Average annual cost for a good driver |
| Alabama | Travelers | $1,176 |
| Alaska | State Farm | $1,699 |
| Arizona | Root | $876 |
| Arkansas | Nationwide | $1,357 |
| California | Wawanesa | $1,470 |
| Colorado | Colorado Farm Bureau | $1,531 |
| Connecticut | Travelers | $1,399 |
| Delaware | Travelers | $1,525 |
| Florida | Geico | $2,771 |
| Georgia | Auto-Owners | $1,439 |
| Hawaii | State Farm | $1,207 |
| Idaho | American National | $422 |
| Illinois | Mercury | $1,388 |
| Indiana | Pekin Insurance | $808 |
| Iowa | Hastings Mutual | $604 |
| Kansas | Geico | $1,022 |
| Kentucky | Auto-Owners | $1,406 |
| Louisiana | Geico | $2,484 |
| Maine | Concord Group | $852 |
| Maryland | Travelers | $1,930 |
| Massachusetts | State Farm | $1,283 |
| Michigan | Secura Insurance | $988 |
| Minnesota | American Family | $1,597 |
| Mississippi | Direct General | $1,002 |
| Missouri | State Farm | $1,699 |
| Montana | Progressive | $1,234 |
| Nebraska | Geico | $898 |
| Nevada | Geico | $1,776 |
| New Hampshire | MMG Insurance | $828 |
| New Jersey | NJM | $1,370 |
| New Mexico | Nationwide | $1,370 |
| New York | NYCM Insurance | $2,986 |
| North Carolina | North Carolina Farm Bureau | $930 |
| North Dakota | Nodak Mutual | $748 |
| Ohio | Hastings Mutual | $512 |
| Oklahoma | Oklahoma Farmers Union | $1,686 |
| Oregon | QBE | $922 |
| Pennsylvania | Travelers | $1,916 |
| Rhode Island | State Farm | $1,233 |
| South Carolina | Travelers | $1,472 |
| South Dakota | Allied | $1,148 |
| Tennessee | Penn National Insurance | $1,048 |
| Texas | Geico | $1,861 |
| Utah | Geico | $1,230 |
| Vermont | Geico | $660 |
| Virginia | Penn National Insurance | $944 |
| Washington | Pemco | $1,129 |
| West Virginia | Nationwide | $1,196 |
| Wisconsin | Secura Insurance | $1,006 |
| Wyoming | American National | $546 |
Most affordable states for car insurance
| Ranking | State | Percentage of household income going toward car insurance |
| 1 | Hawaii | 0.95% |
| 2 | New Hampshire | 0.99% |
| 3 | North Dakota | 1.00% |
| 4 | Maine | 1.10% |
| 5 | Vermont | 1.10% |
Least affordable states for car insurance
| Ranking | State | Percentage of household income going toward car insurance |
| 1 | Louisiana | 3.01% |
| 2 | Florida | 2.42% |
| 3 | Michigan | 2.33% |
| 4 | Georgia | 2.20% |
| 5 | Mississippi | 2.20% |
Types of Car Insurance
There are several different types of car insurance available. Liability insurance covers the cost of damages you cause to another person’s property. Collision insurance covers the cost of repairs to your car if it’s damaged in an accident. Comprehensive insurance covers damages caused by natural disasters, theft, and vandalism. Uninsured/Underinsured motorist coverage covers any damages you may incur if you’re involved in an accident with an uninsured or underinsured driver.
Factors that Can Influence Your Car Insurance Rates
Several factors can influence your car insurance rates. The type of car you drive, your age, your driving record, and where you live can all influence your rates. Additionally, the amount of coverage you choose and your deductible can also impact your rates. It’s important to consider all these factors when shopping for car insurance to ensure you get the best rate.
Tips for Choosing the Best Car Insurance
When choosing car insurance, it’s important to consider your needs and budget. Start by deciding how much coverage you need and what type of coverage is right for you. Then, get quotes from several different providers to compare rates. Be sure to read the fine print to understand the terms and conditions of each policy. Finally, make sure the company you choose is reliable and has good customer service.
How to Compare Car Insurance Quotes
Comparing car insurance quotes is an important part of finding the best car insurance. Start by getting quotes from several different companies. Be sure to compare the same coverage levels, deductibles, and other factors to ensure an apples-to-apples comparison. Once you’ve narrowed down your list, read reviews and ratings from past customers to make sure the company is reliable.
Once you’ve narrowed down your list of car insurance companies, it’s important to do some research to find the best one. Check the company’s financial ratings to make sure they’re stable and reputable. Additionally, read reviews and ratings from past customers to get a better idea of the company’s customer service and claims process.
How to Get the Best Deals on Car Insurance
Getting the best deals on car insurance doesn’t have to be difficult. Start by raising your deductible, which can often lower your monthly premium. Additionally, look for discounts such as multi-car, good driver, and safe driver discounts. You can also bundle car insurance with other types of insurance, such as home or life insurance, to get a better rate.
Common Car Insurance Discounts
There are several common car insurance discounts that you may be eligible for. Good driver discounts are available for drivers with a clean driving record. Multi-car discounts are available for households with multiple cars. Safe driver discounts are available for drivers who take defensive driving courses or install safety devices in their cars. Additionally, some companies offer discounts for low-mileage drivers or members of certain organizations.
What to Do After You Find the Best Car Insurance
Once you’ve found the best car insurance for your needs, it’s important to make sure you have the right coverage. Be sure to read your policy carefully and make sure you understand the terms and conditions. Additionally, make sure you keep your policy updated to reflect any changes in your situation, such as a new car or moving to a different state.
Finding the best car insurance in 2023 doesn’t have to be difficult.
By understanding the different types of car insurance, comparing car insurance quotes, and taking advantage of discounts, you can find the right insurance for your needs. Armed with the information in this guide, you’ll be ready to find the best car insurance in 2023.
CTA: Ready to find the best car insurance for your needs? Start by comparing car insurance quotes today!
