Check Out Top 5 High Rank Auto Insurance Company 
Check Out Top 5 High Rank Auto Insurance Company 

Check Out Top 5 High Rank Auto Insurance Company 

After we thoroughly researched the auto insurance market, 5 companies stood out among the competition as the best car insurance providers. When ranking these insurers, our team considered state availability, breadth of coverage, pricing and satisfaction scores from experts like J.D. Power.

We evaluated large auto insurance companies based on average rates for a variety of drivers, coverage features available, levels of complaints, grades for collision claims from auto body repair professionals and how understandable the insurers’ websites are. See our top picks below.

Top 5 

Car Insurance Company Overall Rating Our Award
#1 USAA 9.5 Low Rates for Military
#2 Geico 9.2 Editor’s Choice
#3 State Farm 9.2 Most Popular Provider
#4 Progressive 9.2 Low Rates for High-Risk Drivers
#5 Travelers 9.1 Most Coverage Options

Our Picks for the Best Car Insurance

Our top five picks for the best car insurance are USAA, Geico, State Farm, Progressive and Travelers.

#1 USAA: Low Rates for Military

Average cost: $
Number of discounts: 12
Usage-based insurance: SafePilotTM in 37 states

USAA is our first choice for the best car insurance in the nation. It regularly tops J.D. Power auto insurance studies as one of the best providers in terms of customer satisfaction and value. The company is well known for its high customer ratings and affordable coverage options, including accident forgiveness. However, it has strict eligibility requirements and not everyone qualifies for coverage.

USAA auto insurance is only available to military members, veterans and their families, which greatly restricts who can purchase coverage. If you are eligible for a USAA insurance policy, it’s one of the best options available. Beyond the standard types of car insurance, USAA offers the following optional coverage:

#2 Geico: Editor’s Choice

Average cost: $$
Number of discounts: 16
Usage-based insurance: DriveEasy in 28 states

If you don’t qualify for USAA insurance coverage, Geico is worth considering as your top choice. The company offers reputable service, a wide selection of coverage and cheap car insurance rates, according to our rate estimates.

Besides the standard coverage options, Geico offers helpful add-ons such as:

  • Emergency roadside assistance
  • Rental car reimbursement
  • Mechanical breakdown insurance (MBI)
  • Rideshare insurance

#3 State Farm: Most Popular Provider

Average cost: $$
Number of discounts: 13
Usage-based insurance: Drive Safe & SaveTM (not available in California, Massachusetts and Rhode Island)

State Farm is another strong choice when it comes to finding the best auto insurance in the industry. Our January 2022 insurance survey found the insurer is the most popular provider among the 1,000 respondents surveyed, with 13% stating they purchased State Farm insurance coverage.

Beyond the standard types of coverage, State Farm offers:

  • Emergency road service coverage
  • Car rental and travel expenses coverage
  • Rideshare driver coverage

Our cost estimates show good drivers pay an average of about $1,481 annually for full coverage insurance with State Farm. This ranks State Farm among the most affordable national providers.

#4 Progressive: Low Rates for High-Risk Drivers

Average cost: $$
Number of discounts: 13
Usage-based insurance: Snapshot® (not available in California or North Carolina)

If you are under 21, are an elderly driver or have received a DUI/DWI, Progressive may be the best car insurance option for you. We found that Progressive tends to be one of the cheapest national providers for high-risk drivers besides USAA. Our rate estimates also show safe drivers pay about $1,611 per year for full coverage insurance with Progressive on average, which puts it just behind Geico and State Farm for affordability.

Aside from the standard types of car insurance coverage, Progressive offers:

  • Roadside assistance
  • Rental car reimbursement
  • Loan/lease payoff
  • Custom parts and equipment value
  • Rideshare coverage

On average, drivers who use Snapshot save $146 on their policies, according to Progressive. However, this program is not available in California or North Carolina.

#5 Travelers: Most Coverage Options

Average cost: $$
Number of discounts: 12
Usage-based insurance: IntelliDrive® (available in 40 states)

Travelers can be a good auto insurance option for drivers who want extra coverage options. The insurer offers the following in addition to standard types of insurance:

  • Auto loan/lease gap insurance
  • Rental car coverage
  • Roadside assistance
  • New car replacement
  • Accident forgiveness
  • Rideshare coverage
  • Named non-owner insurance
  • Umbrella insurance
According to our research, Travelers insurance pricing is slightly cheaper than the national average, costing $1,669 per year on average for a full coverage policy. The auto insurer offers a number of discounts, including savings for homeowners, good students and drivers who remain accident-free.
Check Out Top 5 High Rank Auto Insurance Company 

By Trinh

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