Best Car Insurance Companies
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If you’re shopping for car insurance, there is no shortage of insurers available. While there are many different auto insurance providers, not all companies will offer the coverage you need at a price you can afford. With so many options, it is important to find one that aligns with your budget and your coverage needs.
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To help you narrow down your choices, we’ve evaluated several top insurance providers. Based on our in-depth, expert analysis, these are the best car insurance companies for 2022.
Best Car Insurance Companies of May 2022
Best Overall: State Farm
Best Cheap Car Insurance and Best for Drivers Under 25: Erie
Best for Drivers with a DUI: Sentry
Best for High-Risk Drivers: New Jersey Manufacturers Group
Best for Multiple Vehicles and Best for Bundling with Home or Other Policies: Progressive
Best for Military Families: USAA
Best for Discounts: Allstate
Best for Safe Drivers: Auto-Owners
State Farm
Why We Chose It
State Farm is our overall best pick because it offers affordable and comprehensive nationwide coverage. This provider also has strong customer satisfaction and financial ratings.
Pros and Cons
Pros
Huge local agent network
Financially strong
Cons
Not available in Massachusetts or Rhode Island
Does not offer gap insurance coverage
Overview
State Farm is our top choice for the best overall car insurance company due to its wide availability, array of coverage options, generous discounts, and financial strength. State Farm policies are available in 48 states and the District of Columbia, and it offers a wide range of products, including car, motorcycle, boat, ATV, and RV insurance.1 Twenty-four-hour roadside assistance is also available.2
State Farm offers the following types of auto insurance coverage:3
Collision coverage
Comprehensive coverage
Liability coverage
Car rental and travel expenses coverage
Uninsured motor vehicle coverage
Medical payments coverage
Emergency roadside assistance
Rideshare driver coverage
Over a dozen discounts are available to State Farm policyholders. Drivers who switch to State Farm can save $1,127 on average when they bundle home and auto policies.4 State Farm also offers a Drive Safe & Save program, allowing policyholders to save up to 30% on premiums for driving safely.5 And through its Steer Clear program, you can save up to 15% off your policy if you’re under 25 years old and do not have any at-fault accidents or moving violations.6
If you’re interested in comparing policies from different insurers, State Farm offers online car insurance quotes, but you can also work directly with one of its 19,000 local agents to get a quote. Once you’ve found a policy that meets your needs, you can work with a State Farm agent to get coverage. The mobile app will help from there, allowing you to file and track claims as well as make payments.
State Farm is highly rated for financial strength by AM Best and customer satisfaction by J.D. Power.78 It also received fewer-than-average customer complaints about its passenger vehicle coverage, according to the National Association of Insurance Commissioners (NAIC).9
Erie
Why We Chose It
When you want affordable car insurance, Erie offers low rates, even to younger drivers under age 25.
Pros and Cons
Pros
Easy-to-navigate website
Extended insurance coverage
Several options for customer support
Cons
Does not allow online claims
No mobile app available
Restricted service area
Overview
Erie is our top choice for cheap coverage and for drivers under 25 due to its relatively low premiums and multiple discounts for young drivers. It’s an established insurance company with over 20 field offices and more than 13,000 independent agents.10 However, its service area is limited; coverage is only available in Washington, D.C., and 12 states, including Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin.
Erie offers several types of car insurance:11
Comprehensive
Collision
Bodily injury liability
Property damage liability
Uninsured or underinsured motorist coverage
Roadside assistance
Rental car expense coverage
New car protection
Motorcycle insurance
Pet insurance
Rideshare insurance
Policyholders can also add Erie Rate Lock and Erie Auto Plus, which provide exclusive perks like a waived or diminishing deductible, transportation expense reimbursement, and increased policy limits.12
To help policyholders save, Erie offers eight car insurance discounts, including multi-policy discounts and discounts for payments made in full upfront. It’s easy for young drivers to save with Erie, as it offers special discounts if you’re unmarried and live with your parents, if you have parents that are Erie customers, or when you complete an approved driver training course.
While Erie does not have online chat or a suite of mobile tools, it offers 24/7 customer service available to help at any time, plus convenient online payments and claims filing. Quotes can be started online and finalized by one of the more than 12,000 agents available.
Erie is among the top insurers for customer satisfaction on J.D. Power’s annual U.S. Auto Insurance Study, and it has a high AM Best rating, indicating financial stability.1314 Erie has also received a lower-than-average amount of customer complaints, according to NAIC data.9
Sentry
Why We Chose It
If you are a driver with a DUI or another serious offense on your record, Sentry can be an excellent choice, thanks to a largely forgiving acceptance policy.
Pros and Cons
Pros
24/7 customer service
Financially sound
Cons
No online quotes
Limited number of discounts
High premiums
Overview
Sentry is our top pick for insurers offering coverage for drivers with a DUI. Founded in 1904 by members of the Wisconsin Retail Hardware Association, Sentry is an established insurance company that also specializes in business auto insurance for companies.
Personal auto insurance is handled via its partner arm, Dairyland Insurance. Dairyland offers both standard and specialty coverage for cars and motorcycles. And for drivers who require proof of insurance but have a DUI on their record, SR-22 insurance is available.15
Dairyland offers multiple discounts to eligible policyholders. Several popular discounts include options like savings when you purchase an advance quote or make frequent payments. There are also discounts if you insure multiple vehicles, own your own home, or successfully complete a defensive driving course.
For added convenience, you can start the quote process online or contact an agent. You can also use online tools to make payments or pay your bill each month. Support is available 24/7 for existing customers.
Sentry’s low loss ratio and high AM Best score signal strong financial stability.1617 However, it is not rated by J.D. Power, and it logs an average number of customer complaints, according to NAIC data.
New Jersey Manufacturers Group
Why We Chose It
New Jersey Manufacturers (NJM) Group may not be as well-known, but it can be a great choice for high-risk drivers. It offers gap insurance, new car replacement coverage, and multiple discounts to help you save.
Pros and Cons
Pros
Excellent customer satisfaction
Online quotes available
Strong financial ratings
Cons
Only available in five states
Must call to purchase car insurance policies
Overview
Established in 1913, NJM has made a name for itself by supporting safe driving.18 The East Coast-based company is available in just five states, including Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania, so if you live on the West Coast, you are out of luck.19
New Jersey Manufacturers Group offers several types of car insurance coverage:20
Liability coverage
Medical expenses
Underinsured and uninsured motorist coverage
Collision
Comprehensive
Classic and collector car
Motorcycle and ATV
Boat and personal watercraft
NJM can help high-risk drivers with several types of car insurance coverage. For those with a new car, you can take advantage of NJM’s gap insurance which can cover the balance between what you owe and the total cost of damages. This insurer also offers new car replacement coverage if you total your car.
There are also 12 total insurance discounts to help you save money, including safe driver, electronic payment, good student, and full coverage discounts.21 If you bundle your home and auto insurance with NJM, you could also receive extra savings. However, if you opt to take advantage of roadside assistance, it will cost you an additional fee every time you need to use the service.
You can easily get a quote from NJM online without having to contact an agent, but you will need to call or work with an agent in order to purchase a policy. After your policy is active, you can log in to make payments and adjust your profile.
NJM has the distinction of holding the highest score for customer satisfaction by J.D. Power in the Mid-Atlantic area with very few complaints logged by the NAIC.1422 It also receives strong financial scores, making it a company rated for all-around exceptional service.
Progressive
Why We Chose It
Progressive offers opportunities to save on your premiums if you bundle coverage. Whether you are insuring multiple cars or your home and vehicle, there is a discount for having multiple policies.
Pros and Cons
Pros
24/7 customer support
Few customer complaints
Multiple insurance discounts
Cons
Additional coverage can be pricey
Low customer satisfaction ratings
May have higher premiums
Overview
With a wide array of coverage and several discounts, Progressive can help you save money when insuring multiple vehicles or policies. It has been a leading insurer since its creation in 1937, and it insures drivers in all 50 states and Washington, D.C.2425
Progressive offers several types of car insurance:26
Liability coverage
Comprehensive
Collision
Uninsured and underinsured motorist coverage
Roadside assistance
Medical payments
Gap coverage
Rental car reimbursement
Custom parts and equipment value insurance
Rideshare coverage
To help policyholders save money, Progressive offers a total of 13 auto insurance discounts, such as continuous insurance, teen driver, and student discounts.27 If you are a homeowner, you could save on your car insurance policy even if your home is not insured by Progressive.
Progressive also offers its Snapshot Program, which allows you to pay for insurance based on how much you drive, so you don’t buy more coverage than you need. You simply drive as usual and then receive a customized rate the following year based on your personal driving habits. You can even use the Name Your Price tool to customize your auto insurance coverage based on your budget.
Progressive delivers strong customer satisfaction based on high scores from J.D. Power and the National Association of Insurance Commissioners.2829 It is also financially strong based on its loss ratio and top scores from AM Best.
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