Best Car Insurance in Mchenry, Illinois

If you're a Mchenry, Illinois resident seeking the best protection for your vehicle, you've landed in the right place. Car insurance is not just a legal requirement; it's your safety net on the unpredictable roads of our beloved Mchenry. Let's dive into the world of car insurance in Mchenry, exploring options, considerations, and how you can make the most informed choices.

Understanding the Landscape

Car insurance in Mchenry, Illinois is a multifaceted landscape. Whether you're a daily commuter navigating the bustling streets or a weekend explorer enjoying the scenic drives, having comprehensive coverage is paramount. It ensures financial protection and peace of mind.

When delving into the car insurance market, it's essential to comprehend the basics. Liability coverage addresses third-party injuries and property damage, while collision and comprehensive coverage cater to damages to your vehicle. Striking the right balance between these components is key to tailor-fitting your insurance to your unique needs.

Navigating the Market

In Mchenry, a plethora of insurance providers vie for your attention. Giants like State Farm, GEICO, and USAA have a substantial presence, each offering distinct advantages. As you explore your options, consider factors beyond premiums. Evaluate customer reviews, financial stability, and coverage flexibility to make an informed decision.

Securing Affordable Protection

Affordability is a crucial factor in selecting the right car insurance. To find the sweet spot between cost and coverage, explore discounts offered by insurers. Bundling policies, maintaining a clean driving record, and leveraging available discounts can significantly reduce your premiums.

As you navigate through the online realm for quotes, ensure that your information is accurate. Use tools provided by insurance companies to generate precise quotes that reflect your driving profile and coverage preferences.

Tailoring Coverage to Your Needs

Car insurance isn't one-size-fits-all. Explore specialized coverage options based on your unique circumstances. Temporary insurance is ideal for those in Mchenry for a short duration, while classic car enthusiasts may benefit from policies catering specifically to vintage vehicles.

Ensuring Local Relevance

Mchenry, Illinois has its traffic nuances and local regulations. Ensure your chosen car insurance aligns with these specifics. Understanding local considerations guarantees that your coverage is not only comprehensive but also adheres to regional laws.

Scroll for the Unveiling of Exclusive Insights!

Curious to know more about finding the perfect car insurance in Mchenry, Illinois? Scroll down to uncover exclusive insights, tips, and expert advice that will revolutionize the way you approach car insurance.

As you scroll, get ready to unlock premium value. Our comprehensive guide goes beyond the basics, delving into advanced strategies to maximize your car insurance benefits. Whether you're a first-time car owner or a seasoned driver, there's something valuable waiting for you.

The Ultimate Guide to Car Insurance in Mchenry, Illinois

Decoding Policy Types: Which One Suits You?

Embark on a journey into the intricacies of policy types. Understand the differences between liability, full coverage, and specialty policies, empowering yourself to choose the ideal coverage for your unique needs.

Expert Insights and Practical Tips

Scroll deeper to access expert insights and practical tips that can redefine your approach to car insurance. Uncover hidden gems of information, explore real-life scenarios, and equip yourself with the knowledge to secure the best car insurance in Mchenry, Illinois.

Car Insurance in Mchenry, Illinois

Unlock the secrets of car insurance in Mchenry, Illinois. Our in-depth guide provides expert insights, tips, and exclusive information to help you find the perfect coverage. Discover more as you scroll through our comprehensive guide.

Conclusion:

Your journey to finding the best car insurance in Mchenry, Illinois begins here. Scroll, explore, and empower yourself with the knowledge to make informed decisions. Your vehicle deserves the utmost protection, and our guide ensures you navigate the car insurance landscape with confidence.

• The 10 Best Car Insurance Companies (April 2024)

• The best car insurance companies have high customer satisfaction ratings and lower-than-average premiums. Among the best car insurance companies are NJM, State Farm, and USAA.

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• 8+ years editing experience

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• Corporate communications director for Insurance Information Institute

• 20+ years in insurance and communications

• As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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• Updated April 30, 2024

• Save up to $717 by comparing quotes from the top 100+ insurance companies

• At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

• We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

• Cheapest recent rates

• Liberty Mutual helped a Tesla Model 3 driver in San Angelo, Texas save on car insurance with this quote.

• We just helped a driver in Charleston, South Carolina cover their Hyundai Elantra GT with this quote from Progressive.

• Allstate's average rate for drivers with good credit and a clean driving record.

• Certainly helped a Chrysler Town & Country driver in Milwaukee, Wisconsin save on car insurance with this quote.

• We just helped a driver in Apache Junction, Arizona cover their Honda Civic with this quote from Just Insure.

• A Klamath Falls, Oregon driver just saved on coverage for their Dodge RAM 1500 with this quote from Safeco.

• Direct Auto helped a KIA Soul driver in Graham, Washington save on car insurance with this quote.

• We just helped a driver in Chandler, Arizona cover their Toyota 86 with this quote from HiRoad.

• A Toledo, Ohio driver just saved on coverage for their Chrysler 200 with this quote from Dairyland.

• *Quotes generated for Insurify users within the last 10 days. Last updated on April 30, 2024

• A Chesapeake, Virginia driver just saved on coverage for their Chevrolet Spark with this quote from Liberty Mutual.

• We just helped a driver in Edmond, Oklahoma cover their Honda Accord with this quote from Progressive.

• Farmers's average rate for drivers with good credit and a clean driving record.

• A Milwaukee, Wisconsin driver just saved on coverage for their Chrysler Town & Country with this quote from Certainly.

• We just helped a driver in San Antonio, Texas cover their Nissan Murano with this quote from Mercury.

• Elephant helped a Subaru Outback driver in Norfolk, Virginia save on car insurance with this quote.

• A De Pere, Wisconsin driver just saved on coverage for their Chevrolet Impala with this quote from First Chicago.

• We just helped a driver in Columbia, South Carolina cover their Nissan Murano with this quote from Safeco.

• National General helped a Toyota Camry driver in Guntersville, Alabama save on car insurance with this quote.

• *Quotes generated for Insurify users within the last 10 days. Last updated on April 30, 2024

• Finding a car insurance company that both fits your budget and provides solid coverage can be time-consuming, which is why it’s important to shop around to find the best one.

• Check out Insurify’s ranking of the 10 best car insurance companies to get a better idea of how they stack up, and compare their advantages and disadvantages. Once you’ve browsed the list, compare policies and prices for your unique driver profile with Insurify’s car insurance comparison tool to secure the right coverage for your needs.

• Among the best car insurance companies are NJM, State Farm, and USAA.

• The best car insurance companies have high customer satisfaction ratings and lower-than-average premiums. 

• You should always shop around and get at least three quotes before buying or switching to a new insurance policy.

• Compare the best car insurance companies of 2023

• The table below shows Insurify’s top picks for car insurance companies in 2023.

• Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

• We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

• Find Your Perfect Car Insurance Match

• Let us help you find car insurance quotes you'll love.

• John Leach

• Editor and Licensed Agent, Insurify

• Every time my policy renews, I comparison shop for a better rate. But I also look at how good an insurance company is at paying claims. While I hope I won't have to file a claim, I want a company that has the financial chops and the quality customer service to pay my claim quickly and smoothly. AM Best, J.D. Powers, and the National Association of Insurance commissioners are good resources for learning about insurance companies.

• Best car insurance company overall: NJM

• Best overallNJ Manufacturers

• NJM launched in 1913 to provide workers' compensation to New Jersey businesses. In 1921, the company added auto and homeowners insurance. Today, NJM also sells renters, condo, umbrella, watercraft, motorcycle, and ATV insurance in Connecticut, Maryland, Ohio, and Pennsylvania, as well as in New Jersey. A.M. Best gives the company an A+ rating, and NJM has a much lower than expected number of consumer complaints with the National Association of Insurance Commissioners' Consumer Complaints Index.

• High scores from J.D. Power for customer satisfaction

• Numerous discounts available to help lower rate

• Only available in five states

• Cheaper rates may be available elsewhere

• Extremely High Pricing with Annual Increases

• NJM, formerly known as New Jersey Manufacturers, takes the spot as the best car insurance company overall. This regional insurer's low monthly rates for liability-only insurance ($41) and full-coverage insurance ($54) make it a solid option for budget-conscious drivers trying to save money amid rising car insurance costs.

• NJM earns a high Insurify Quality Score of 4.5 out of 5, further establishing it as a top car insurance company. Additionally, its high customer satisfaction ratings with J.D. Power, Trustpilot, and the National Association of Insurance Commissioners (NAIC) mean drivers can expect quality customer service.

• Best car insurance company for customer satisfaction: State Farm

• best for customer satisfactionState Farm

• State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.

• High rates of customer satisfaction

• Rideshare insurance available

• No gap insurance offering

• May not be the cheapest choice for drivers with violations

• Good

• Excellent

• Pricing

• State Farm earned high scores for customer satisfaction in J.D. Power’s 2022 Auto Insurance Study, Insurance Shopping Study for large insurers, and Auto Claims Satisfaction Study.[1] [2] [3] Its mobile app also has near-perfect ratings on the Google Play and Apple App stores, signaling its strength in providing customers with positive experiences.

• State Farm has middle-of-the-road rates, with averages of $107 a month for full-coverage insurance and $50 a month for liability-only coverage. As the largest U.S. auto insurer by market share, according to the Insurance Information Institute, State Farm is a solid option for drivers who value customer satisfaction over finding the cheapest rates, and it earned an Insurify Quality Score of 4.4 out of 5.

• Best car insurance for active and retired military members: USAA

• best for military membersUSAA

• In business for more than 100 years, USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products, as well as banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including for bundling, insuring multiple vehicles, living on a military base, and more. A.M. Best gives USAA an A++ rating for financial strength, and the company had the highest or second-highest rating of all insurers in every region in J.D. Power’s Overall Customer Satisfaction Index. Customer reviews are mixed for service and claims processing.

• Highest J.D. Power customer satisfaction rating among insurers

• Available in all states and Washington, D.C.

• Only available to members of the military community

• Doesn’t offer gap coverage

• Reluctant Switcher

• Excellent

• USAA is the finest. Period.

• USAA is known for its commitment to serving active-duty military, veterans, and their immediate family members. It offers top-notch customer service and a full suite of financial and insurance products, including car insurance.

• Members can expect average monthly rates of $97 for full-coverage insurance and $45 for liability-only coverage. These are comparable to the national average car insurance premium of $148 per month, making USAA a great choice for car insurance, especially if you already bank there.

• Best car insurance for drivers with a speeding ticket: Erie

• Best for drivers with speeding ticketErie Insurance

• For nearly 100 years, Erie Insurance has been selling auto coverage. The company operates in 12 states and Washington, D.C., and also offers more than two dozen types of insurance, including home, life, and business insurance. A.M. Best gives Erie an A+ rating for financial stability and credit strength. The company has a lower-than-expected number of complaints with the National Association of Insurance Commissioners Customer Complaint Index, and ranks third in overall customer satisfaction according to J.D. Power rankings. The company also has an A+ rating from the Better Business Bureau.

• Lower average premiums than competitors

• Various additional coverage options

• Low mobile app ratings

• Only available in 12 states and Washington, D.C.

• Regional insurer Erie has lower average premiums than its competitors — and this is still true for drivers with minor infractions on their record. While Erie’s average monthly premium for drivers with clean records is $132, Insurify data shows that it increases to $177 a month after a speeding ticket — a 34% increase.

• Not only are these premiums still less than other insurers’ premiums for people with marks on their records, but Erie also offers various riders for drivers to customize their coverages, including windshield repair, pet injury coverage, and accident forgiveness. Its average monthly premiums are $88 for full-coverage insurance and $64 for liability-only coverage.

• Best car insurance for discounts: American Family

• Best for discountsAmerican Family

• Founded in 1927 in Madison, Wisconsin, American Family Insurance offers more than a dozen types of insurance in 18 states throughout the midwestern and western U.S. The company has an excellent rating from A.M. Best for both financial strength and credit. American Family stands out for its high rate of customer satisfaction, with largely positive online consumer reviews and a well below-average number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index. American Family offers car insurance policyholders 16 different discounts to help lower their rates.

• Advertises more discounts than most competitors

• Offers gap, rental reimbursement, and roadside assistance coverage

• Higher average premiums than other insurers

• Only available in 19 states

• Horrible

• Excellent

• Horrible

• Although American Family has high customer satisfaction ratings, a 4.2 out of 5 IQ Score, and a long list of discounts available on its website, it has slightly higher average rates than competing insurers at $168 a month for full coverage and $74 a month for liability-only insurance. Despite American Family’s higher rates, it’s still worth considering for car insurance, especially if you’re eligible for many of its discounts. You can get reduced premiums for switching to American Family from a competitor, setting up automatic payments, driving fewer than 7,500 miles a year, driving safely in its Pay-How-You-Drive program, and more.

• Best car insurance for drivers older than 25: GEICO

• Best for drivers older than 25GEICO

• A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood insurance, life insurance, business insurance, and identity protection, among other products. A.M. Best gives GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index.

• Good rates for good drivers, seniors, and young drivers

• Accident forgiveness available

• High rates for drivers with certain violations, like DUIs

• No rideshare or new car replacement coverage available

• Excellent

• AI-Run, Money-Hungry Company

• Unexpected Increase in Premium

• Car insurance rates tend to drop after drivers turn 25 years old, when they generally have more maturity and experience behind the wheel.[4] GEICO’s rates reflect this trend — its average premium for drivers older than 25 is $152 a month.

• Additionally, GEICO has high ratings for customer satisfaction and a highly rated mobile app in the Google Play and Apple App stores for drivers who like to manage their accounts on their smartphones. Its average monthly rates are $111 for full-coverage insurance and $52 for liability-only coverage. GEICO’s average rates are comparable to its competitors and the national average.

• Best car insurance for drivers with fair credit: Travelers

• Best for drivers with fair creditTravelers

• Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.

• Below-average premiums compared to other insurers

• Fewer complaints than expected in NAIC’s complaint index

• Below-average J.D. Power satisfaction ratings

• Only available in 42 states and Washington, D.C.

• Disappointed with the Outcome

• No

• Excellent

• Most states allow car insurance companies to use a credit-based insurance score to determine premiums, so a driver’s credit score can affect their rates.[5] The lower your credit score, the higher your rates, and vice versa.

• Travelers is one of the best car insurance companies for drivers with fair credit because its monthly premiums for these drivers are only 5% higher than its average full-coverage rates. However, Travelers has below-average satisfaction ratings in recent J.D. Power auto insurance studies. Its average monthly premiums are $194 for full coverage and $88 for liability-only insurance.

• With coverage in 42 states, Travelers offers competitive rates for a variety of driver profiles.

• Best car insurance for safe drivers: Nationwide

• Best for safe driversNationwide

• In business since 1925, Nationwide is one of the largest insurers, and sells car, homeowners, life insurance, umbrella insurance, and more. In addition to liability, collision and comprehensive, Nationwide provides optional coverages such as towing and labor, rental car, and gap. The company also offers accident forgiveness, and a vanishing deductible that lowers your deductible for each year you drive safely. Nationwide has an A+ rating from A.M. Best for financial stability, and an only slightly higher-than-expected number of customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

• Coverage available in 47 states and Washington, D.C.

• Average premiums comparable to national rates

• Below-average J.D. Power claims satisfaction rating

• Higher-than-average premiums for drivers with accidents and speeding tickets

• Overpricing the Customer

• Nationwide is a good insurance company, but I'm looking for a cheaper place with the same coverage. My premiums increase every 6 months for no apparent reason. I haven't had any accidents, tickets, DUIs, or anything else. I used to wonder why a policy went to 6 months instead of 12, but I finally figured it out. They can raise your coverage twice in a year, which seems very unfair. I'm retired.

• Nationwide is not on your side

• Nationwide offers multiple ways for safe drivers to save on their car insurance premiums: a safe driver discount for people without accidents or moving violations in the past five years, an additional discount for an accident-free record, and another through its SmartRide program.

• When you sign up for the SmartRide program, Nationwide automatically gives you up to 15% off your premiums. Then, you can save even more — up to 40% — when you drive safely. Nationwide’s average premiums are $114 for full-coverage insurance and $57 for liability-only coverage.

• Best car insurance for families with teen drivers: Allstate

• Best for families with teen driversAllstate

• Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.

• Various discounts available for eligible drivers

• Above-average J.D. Power auto claim satisfaction ratings

• More complaints than average in NAIC’s complaint index

• Higher average rates than many competitors

• Change in Agency, Considering Switch

• Recommend Allstate

• Good

• Allstate provides parents with resources to help reduce the cost of adding a teen to their car insurance policies. Its teenSMART program, in partnership with ADEPT Driver, can teach teens defensive driving skills and earn families a discount on their car insurance premiums.

• Additionally, Allstate offers discounts for drivers younger than 25 who meet its scholastic requirements and for drivers younger than 21 who attend school more than 100 miles away from where they garage their car, and don't have a car on campus. Allstate’s average monthly premiums are $132 for full-coverage insurance and $61 for liability only — this is higher than other best car insurance companies on this list, but you may see lower rates with Allstate’s impressive list of discounts.

• Best car insurance for drivers younger than 25: Auto-Owners

• Best for drivers under 25Auto-Owners

• Headquartered in Lansing, Michigan, Auto-Owners is one of the nation’s largest insurers, serving nearly 3 million policyholders in 26 states. The company launched in 1916, and today sells car, home, life, and commercial insurance policies. A.M. Best gives Auto-Owners a financial strength and credit rating of A++, and the company has significantly fewer customer complaints than the industry average, according to the National Association of Insurance Commissioners Consumer Complaint Index. J.D. Power gives the company high marks for claims satisfaction. Auto-Owners offers several discounts, including ones for having multiple policies with the insurer, and for paying in full.

• High customer satisfaction

• Multiple discounts

• Poor Handling but Partial Payment Made

• Unhappy with Renewal Costs

• Fair Prices from a Trustworthy Company

• Auto-Owners average premiums for drivers younger than 25 are lower than the other best car insurance companies Insurify reviewed. Drivers in this age group have average rates of $180 a month — much lower than some other companies, which have premiums that creep into the $300 range.

• Its favorable premiums for this age group may be due in part to three teen-centric discounts for being a good student, attending school at least 100 miles away from home without a car on campus, and using a telematics program to monitor safe driving. Auto-Owners has average monthly rates of $132 for full-coverage insurance and $61 for liability-only coverage.

• Compare Car Insurance Quotes to Find Your Best Rate

• We'll search through quotes from top-rated car insurance companies to help you find savings.

• How to find the best car insurance for you

• The best car insurance for you may not be the best car insurance for another person, because factors unique to you influence your car insurance rates.[6] Here’s how you can find the right car insurance company for you, depending on your coverage needs and budget.

• Understand the different coverages

• Before starting your search for car insurance, understand the different coverage types, which ones you need, and which you can exclude from your policy. Car insurance coverages include:[7]

• This coverage is part of most states’ minimum insurance requirements and pays for the medical bills and lost wages of other people injured in an accident you cause.

• This type of coverage pays for damage you cause to property in an accident and is also included in most states’ car insurance requirements.

• This pays for damage to your car in accidents where you collide with another object, like a tree, pole, mailbox, or another car. States generally don’t require it, but if you finance or lease your car, the lienholder may require it as part of full-coverage insurance.

• This covers damage to your car that isn’t related to a collision, such as from theft, fire, vandalism, and weather-related events. Like collision coverage, most states don’t require it, but your car’s lienholder or lessor may.

• This coverage pays for the difference between an auto loan’s balance and the car’s value if the insurance company declares it a total loss. Gap insurance isn’t required, but it can be an extra layer of protection if you’re concerned you may owe more than the car is worth.

• This provides financial coverage for towing, tire changes, and more when your vehicle breaks down during travel. Roadside assistance can be a helpful add-on to your policy, but many credit card issuers also provide roadside assistance or dispatch with their products, so you may not need it from a car insurance company.

• Consider telematics programs

• Telematics programs, also known as "usage-based insurance," use GPS-enabled devices — either a phone with a mobile app installed or a device installed in your vehicle — to track your driving habits. The device captures driving information like acceleration, braking, turning, and more to determine how safely you drive.[8] Many insurance companies use telematics programs to provide potential discounts and premium reductions based on drivers’ habits.

• Using a telematics program can help lower your car insurance premiums if you have positive driving habits. But if you tend to brake hard or turn corners too quickly, then a telematics program may not be right for you, as some companies may increase your premium due to poor driving habits. You should carefully review the details about a telematics program before signing up for one. It may also be a good idea to discuss the program details with your insurance agent.

• Here are telematics programs from several insurance companies:

• Allstate Drivewise

• GEICO DriveEasy

• State Farm Drive Safe & Save

• Nationwide SmartRide

• Liberty Mutual RightTrack

• Farmers Signal

• Travelers IntelliDrive

• Look for discounts

• Discounts are an easy way to reduce your car insurance premiums. The more discounts an insurer advertises, the more chances you have of lowering your rates. Here are some of the most common:[9]

• Bundling discounts are for purchasing a car insurance policy and another type of policy with the same company, like home or renters insurance.

• Good student discounts are for high school and college students with good grades (typically a "B" average or better). This discount typically requires submitting your transcripts or grades to the insurance company. GEICO advertises a 15% discount for good grades.

• Good driver discounts are for people with clean driving records. You typically need to have no claims or infractions for a minimum of three years.

• Low-mileage discounts can help lower your car insurance premiums if you don’t drive often. For example, Auto-Owners offers a low-mileage discount for people who drive fewer than 10,000 miles a year, and American Family offers the same discount for driving 7,500 or fewer miles in a year.

• Compare multiple quotes

• You won’t be able to find the best car insurance company for you if you don’t compare insurers. Get quotes from at least three different insurers to compare their prices and coverage options and determine which one offers the best price.[9] You can go one step further by using a quote-comparison platform to see many quotes based on your driving profile in one place.

• Once you have your quotes, carefully check their rates, coverages, and limits to help you choose the insurer that meets your car insurance needs at a price that fits your budget.

• Other top companies to consider

• Insurify identified 10 of the best car insurance companies for drivers to start their auto insurance shopping, but here are five more top insurers to consider.

• Progressive: Best for usage-based insurance

• Progressive

• Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

• Rewards for good drivers

• Numerous coverage options and discounts available

• Higher-than-expected amount of complaints

• Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking

• Great Price Options

• Very Good

• Expensive

• Progressive is one of the largest insurance companies in the country, with a market share of 14.9% and an Insurify Quality Score of 4.1 out of 5.[6] It offers many of the same coverage options and discounts as other top insurance companies, but it has average premiums slightly higher than average compared to competitors. Progressive is a good option for drivers who have special coverage needs, like for custom parts and rideshare insurance.

• COUNTRY Financial: Best for couples

• Country Financial

• COUNTRY Financial launched in Illinois in 1925, and today offers auto, home, life and other types of insurance products. A.M. Best gives the company an A+ rating for financial stability and credit strength. The company has a much lower-than-expected number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index. COUNTRY Financial offers liability and full-coverage car insurance, as well as home, life and disability. Policyholders can save money with multiple discounts from COUNTRY, including discounts for multiple policies, multiple cars, legacy (unmarried children of policy holders), engaged couples, and certain occupations.

• Generally positive customer reviews

• Unique discounts available

• Not available in every state

• Does not offer rideshare insurance

• Poor

• Fair

• COUNTRY Financial offers two interesting features for drivers. First, it offers an engaged couple discount for drivers 21 and older with wedding dates in the next 12 months. Additionally, it offers new-car replacement for drivers with vehicles from the last four model years if COUNTRY Financial declares the car a total loss after an accident. COUNTRY Financial’s average premiums are much lower than its competitors, so it’s worth considering if you want potentially cheap rates.

• Safeco: Best for claims-free cash back 

• Safeco

• Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. The company has been in busines since 1923, and provides new vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco’s money-saving programs include accident forgiveness, a diminishing deductible, and a cash back program for customers who remain claims-free for six months. The company has an average amount of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and placed 13th on the J.D. Powers’ Overall Customer Satisfaction Index. A.M. Best gives Safeco a score of A for financial stability.

• Pays cash back to customers who remain claims-free

• Many options for customizing car insurance

• Limited number of discounts

• Customer reviews indicate room for improvement in customer service

• Excellent

• Bad

• It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.

• Compared to other car insurance companies, Safeco seems to fall a bit short. It has higher-than-average premiums compared to other insurers on this list, and even its new-car replacement coverage has much more stringent requirements than COUNTRY Financial. However, it scores decently in customer satisfaction in J.D. Power’s studies and offers a highly rated mobile app for digital account management. Safeco is owned by Liberty Mutual.

• Farmers: Best for customizable coverage

• Farmers

• The seventh largest insurer in the U.S., Farmers has been in business for more than 100 years. The company offers about 30 different types of insurance, including auto, home, renters, flood, earthquake, life, and business insurance. Farmers offers numerous discounts, including for multiple cars, safe driving, anti-theft equipment, and bundling. Swiss insurer Zurich Insurance owns Farmers. With an A rating from A.M. Best for financial stability, Farmers has mixed online reviews from customers, and about four times as many complaints as expected in the National Association of Insurance Commissioners Customer Complaint Index.

• Many discounts

• Robust roadside assistance program

• Lower customer satisfaction

• Tends to have higher premiums than some competitors

• It's too expensive. The rates increased by roughly $700.00 this year. I would not recommend it based on these rates.

• No

• High Rates for Good Drivers

• Farmers stands apart from the pack with its long list of discounts for various features like passive restraints, alternative fuel, and more. However, despite this long list of discounts, Farmers’ average premiums are much higher than other insurers. This insurer may be a good choice for drivers who can take advantage of its discounts or need specialty coverage, such as rideshare, custom parts, spare parts, or original manufacturer parts insurance.

• Liberty Mutual: Best for deductible fund

• Liberty Mutual

• In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.

• Wide range of available discounts

• Accident forgiveness available

• Many negative reviews and customer complaints

• Premiums are relatively high compared to industry average

• Affordable Rates

• I Want to Trust My Insurance Salesman

• Changing Carriers!!!

• Liberty Mutual offers a variety of additional coverage options that drivers can choose to customize their coverage. Add-ons like new-car replacement and better-car replacement insurance can add peace of mind if you don’t want to pay out of pocket for a new car after an accident. You should be aware of Liberty Mutual’s higher-than-average premiums, though, and shop around to find the best option that works for you.

• The best car insurance company in your state

• Remember, just because a company is considered “best” overall in your state, doesn’t mean it’s the best for you and your car. To find out which car insurance company is the best fit for you, check out Insurify’s tailored car insurance comparison tool today.

• Unlock the Best Rates in Your Area

• Get instant, personalized quotes from top-rated car insurance companies

• Car insurance rates by state

• The cost of car insurance

• Based on Insurify data, the average cost of car insurance in the U.S. is $253 a month for full coverage. But your car insurance rates may vary based on your location, driving history, age, gender, vehicle, and more.[6]

• Location is one of the most important factors, as drivers in Michigan have notoriously high average car insurance rates of $463 a month due in part to high liability requirements.[10]

• Furthermore, the cost of car insurance spiked in Oregon, Maryland, and Virginia by more than 25% in 2022, according to Insurify’s latest Auto Insurance Trends Report. Insurance rates may rise even more in 2023, so it’s important to shop around for the best car insurance company that provides the coverage you need at a price point that fits your budget.

• Compare Car Insurance Quotes

• Best car insurance FAQs

• Here are answers to some commonly asked questions about the best car insurance companies.

• What’s the best car insurance company?

• Some of the best car insurance companies are Erie, NJM, State Farm, and USAA. These insurance companies have the highest Insurify Quality Scores, strong J.D. Power customer satisfaction ratings, and great AM Best financial strength ratings. Furthermore, they tend to offer some of the lowest average rates to drivers.

• How do you get the best car insurance for cheap?

• To get the best car insurance for cheap, you should shop around and get quotes from multiple companies. Look for insurers that offer plenty of discounts you can qualify for, and consider bundling your coverage to get a multi-policy discount.

• What type of car insurance should you buy?

• Almost all states require drivers to purchase a minimum amount of car insurance to legally drive.[7] At the very least, you should buy property damage and bodily injury liability insurance, as well as any other state-required coverages. However, if you finance or lease your car, the lienholder may require comprehensive and collision coverage as well.[11]

• And keep in mind most insurance professionals recommend buying coverage that exceeds state minimums for a greater level of financial protection.

• Which insurance company has the highest customer satisfaction?

• Amica Mutual has the highest customer satisfaction in J.D. Power’s Auto Claims Satisfaction Study. USAA has the highest average customer satisfaction across all regions in J.D. Power’s Auto Insurance Satisfaction Study. And State Farm has the highest customer satisfaction rating in J.D. Power’s U.S. Insurance Shopping Study.[1] [2] [3]

• Methodology

• Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

• Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

• Liability-only premium averages correspond to policies with the following coverage limits: Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident Property damage limits between $10,000 and $50,000 No additional coverage Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to: Comprehensive coverage with a $1,000 deductible Collision coverage with a $1,000 deductible

• Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

• Sources

• Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 

• Licensed property and casualty insurance agent

• 8+ years editing experience

• John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

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• Corporate communications director for Insurance Information Institute

• 20+ years in insurance and communications

• As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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• 7+ years experience in data analysis

• Ph.D. in Computational Biology

• Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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