Auto insurance in the United States typically covers the risk of financial liability or the loss of a motor
vehicle that the owner may face when his/her car is in a collision that results in property/physical
damage. In other words, car insurance policies provide protection against property damage or bodily
injury liability if an accident occurs. Although all states require citizens to have different kinds of
auto/car insurance, most states require an owner to have some minimum level of liability insurance. On
the contrary, some states like Virginia don't even require an owner to have car insurance. The general
coverage of auto insurance companies in the United States includes liability coverage (combined single
limit; combines property damage liability coverage and bodily injury coverage under one single
combined limit, split limits; splits the coverage into property damage coverage and bodily injury
coverage, rental coverage). On the other hand, full coverage includes collision coverage, comprehensive
coverage (covers cars damaged by incidents that are not considered as collisions),
uninsured/underinsured motorist coverage, loss of use coverage (rental coverage), loan/lease payoff
coverage (also known as GAP coverage, it provides protection to consumers based upon buying and
market trends), vehicle towing coverage and sometimes, personal property damage coverage (it can be
bundled with homeowner's insurance, if one has a house). However, it should be kept in mind that
having car insurance is the law in 48 out of 50 states in the United States. So it doesn't matter if you
want insurance or not, you are compelled to have it, no matter what kind of car you drive.
Things to Consider Before You Sign-Up for Auto Insurance:
What sort of coverage you want.
What kind of coverage your state requires you to have.
Who the best insurers are. (that's what this article is about, we will discuss this thoroughly
later in this article).
The best payment plan for you.
Sometimes the cheapest insurance company may not offer the best benefit for someone like
you. So it's better if you look into the details before settling for a certain company.
Top 10 Auto/Car Insurance Companies in the United States according to 2020:
Geico (Average Regional J.D. Power Rating out of 1000 is 830):
Geico's customers know this company for its great service and benefits that it offers. Its customer
satisfaction rate is 97%. Apparently, it has a long list of honors, including the most desired insurer
according to Kanbay Research Institute. It runs some clever commercials that ensure it remains the top-rated car insurance company in the United States. In case you don't believe us, here's the link of its
website. Visit yourself.
https://www.geico.com/
Allstate (Average Regional J.D. Power Rating out of 1000 is 826):
Being the number one auto/car insurance company in Florida, Allstate prides itself on its scope of
coverage and offers a huge discount that it provides the most cost-effective insurance for anyone in any
situation. That's why many motorists love Allstate. Besides, it is one of those rare car insurance
companies that ranked on every single one of J.D. Power's regional customer satisfaction lists.
https://www.allstate.com/
Progressive (Average Regional J.D. Power Rating out of 1000 is 818):
It was the first insurer that offered customers safe-driving discounts. So it might be a good option for
you if you are good at driving. It has a massive reputation in the insurance world with over 18 million
customers. If it attracts you one time, it sure will retain you with its continuity to commitment in saving
its customers' money on their car insurance rates. Even today, customers who take Progressive as their
insurer save an average of $699 per year.
https://www.progressive.com/
Auto-Owners Insurance (Average Regional J.D. Power Rating out of 1000 is 841):
It may not have the most flashy marketing presence among others, but it's been a renowned car
insurance company since 1916. It's shocking how it has retained his reputation all this time. It has nearly
3 million policyholders across 26 states. Its high rankings in J.D. Power might prompt you to check if it
fulfills your auto insurance needs.
https://www.auto-owners.com/
Esurance (Average Regional J.D. Power Rating out of 1000 is 836):
It is ranked No.1 auto insurance company in California. Esurance operates in 43 states and is quickly
making inroads around the country. Esurance, a division of Allstate, promises customers that switching
or signing up for auto insurance can be as facile as possible, or to put it in other words, as "painless" as
possible. Reviews on the website call attention to how fast and easy it is to sign up, either online or
using the Esurance app, and users seem to agree with this statement. And if you don't feel like talking to
an insurance agent directly to get set up, you won't have to.
https://www.esurance.com/
Liberty Mutual Insurance (Average Regional J.D. Power Rating out of 1000 is 810):
It operates globally and is the fifth-largest property and casualty insurer in the world. Yet, the company
makes sure that you get your benefits from them and the first step in the journey is getting an insurance
coverage quote. When most car insurers offer free car insurance quote on their website, Liberty
Mutual provides you a discount for using its own. And last but not least, you can save up to 12% off your
rate by getting a policy quote online.
https://www.libertymutual.com/
Nationwide Insurance (Average Regional J.D. Power Rating out of 1000 is 808):
It has been covering drivers for over 90 years. It has a lot of experience in the business and has learned how
to keep customers satisfied. By keeping the customers satisfied, it gets more customers and retains the
previous ones. The company has its list of visions and values which shows exactly where its priorities lie.
It is top-rated on a variety of outlets (such as A.M. Best, S& P and Moody's). Nationwide was ranked 53 in
Fortune's most recent list of the "100 Best Companies to Work For." We all know those values of
Nationwide helped it to get this position.
https://www.nationwide.com/
https://www.nationwide.com/personal/about-us/careers/
Travelers Insurance (Average Regional J.D. Power Rating out of 1000 is 818):
Traveler offers many plans including a car insurance coverage policy that one can customize based on
his/her needs. Instead of upselling customers, Traveler offers a host of resources that are designed to
educate motorists beforehand. As customers know about their policy purchase beforehand, they remain
happy.
https://www.travelers.com/
https://www.travelers.com/resources
Safeco (Average Regional J.D. Power Rating out of 1000 is 810):
Safeco is a division of Liberty Mutual. It's Seattle-based. It has been in this business for over 85 years and
a national presence for more than two decades. It partners with local agents in order to communicate
with customers, get their questions answered and requests met.
https://www.safeco.com/
USAA
If you take account of customer satisfaction, United Services Automobile Association's name comes first.
It is on the top of the list for fulfilling customers’ needs. We are ranking it as 10th because its scope is
narrower than most of the other auto insurers. The company only offers coverage to service members,
veterans, and their families. Although, it must be mentioned that USAA offers prices that even beat
Geico's. Customers who switch save $707 per year.
https://mobile.usaa.com/?fromwww=true