Car insurance provides financial protection and coverage against vehicle(cars, trucks, motorcycles and other road vehicles) damages for various reasons.
In general car insurance covers auto liability coverage, medical payments coverage, uninsured and underinsured motorist coverage, comprehensive coverage & collision coverage.
According to various estimations the average monthly car insurance cost in the United States is between $90 to $150 and average yearly cost is between $950 to $2000.
Normally car insurance rates are higher as compare to other insurance types, so to get good deal on car insurance is all about finding the balance between the protection you want and rates that fit your budget.
To get your car insurance quote you need personal information like Name, Date of Birth, Address and vehicle information like Year, Make & Model or VIN.
To precisely compare car quotes across insurers, select the same set of coverages, limits and deductibles for each quote and then compare.
In United States there are hundreds of insurance companies, but to make things easier for you we have handpicked those reliable insurance companies which are providing car/auto insurance.
Here is the list of best car insurance companies in United States with brief introduction. You can find a reliable & affordable car insurance company to protect your financial future.
Remember that these companies are not ranked, randomly listed.
Nationwide is one of the world’s largest insurance and financial service companies. It offers car & motorcycle insurance services across United States. You can get insurance coverages like collision, comprehensive, liability, medical payments and many more.
You can get discounts like Smart ride discount, Smart Miles discount, Multi-policy discount, Good Student discount, Anti-theft discount etc.
Headquarters: Des Moines, IA 50391 USA
Allstate is United State’s one of the most reliable auto insurance companies. It has been the choice of millions of household over the years. Allstate offers coverage that includes Collision coverage, Comprehensive coverage, Liability coverage, Medical payments coverage, Sound system insurance, Roadside coverage, etc.
You can also get discounts like Anti-lock brake discount, Anti-theft device discount, Multiple policy discount, Smart student discount, New car discount and many more…
Headquarters: Northbrook, Illinois, U.S
03. State Farm
State Farm is the largest auto insurance provider in the United States relies on exclusive agents called captive agents to sell insurance. It offers coverage options like Collision insurance, Comprehensive insurance, Rental insurance, Ride Share insurance etc.
You can save money with discounts like Safe Driving discounts, Teen Driver discounts, Combine Home & Auto discounts.
Headquarters: Bloomington, Illinois
04. Progressive Corporation
The Progressive Corporation is one of the largest providers of car insurance in the United States having 18 million + customers. Average annual savings for drivers who switch to Progressive car insurance is over $750.
It offers affordable coverage like Liability, Comprehensive & Collision, Uninsured/underinsured motorist, Medical payments, Roadside assistance, Deductible savings bank, etc.
You can get discounts like Multi-car, Multi-policy, Continuous insurance, Safe driver discount, Teen driver discount, Homeowner discount and many more..
Headquarters: Mayfield Village, Ohio
The GEICO(Government Employees Insurance Company), a subsidiary of Berkshire Hathaway is the second largest auto insurer in the United States.
It sells its insurance policies through local agents, called GEICO Field Representatives through phone directly to the consumer via licensed insurance agents and through their website.
GEICO was also awarded “Highest Customer Satisfaction Among Auto Insurers in The Northwest and North Central Regions” by J.D. Power.
It offers coverage that includes Liability coverages, Medical coverages, Uninsured Motorist coverages, Collision coverages, Emergency Road Service coverages etc.
You can get discounts like Air Bag Discount, Anti-Lock Brakes Discount, Anti-Theft System Discount, Daytime Running Lights Discount, New Vehicle Discount, Driver’s Education Discounts, Driver Affiliation Discounts, Military Discount, Multi-Policy Discount and many more..
Headquarters: Chevy Chase, Maryland
Metromile is a car insurance company that offers pay-per-mile insurance and a driving app. It means that the less you drive the more you can save.
You will pay a low monthly rate, plus a few cents for each mile you drive. On average Metromile customers save $741 per year.
If you drive 10,000 miles you can save $541 per year, if you drive 6000 miles you can save $741 per year and if you drive 2500 miles you can save $947 per year.
All miles over 250 (or 150 for New Jersey drivers) in one day are free. It offers coverages like Collision, Comprehensive, Road assistance etc.
Headquarters: San Francisco, California
07. Amica Mutual Insurance
Amica Mutual Insurance is the oldest mutual insurer of automobiles in the United States, offers auto insurance, home insurance and life insurance. You can save up to 25% with multiple cars & up to 20% if you insure your car and home.
It offers coverage like Property Damage Liability, Medical Payments, Uninsured/ Underinsured Motorist Property Damage, Collision, Roadside Assistance, etc.
Headquarters: Lincoln, Rhode Island
08. Liberty Mutual
Liberty Mutual is one of the largest and popular US based insurance company providing services worldwide.
It offer a wide range of insurance services that includes personal automobile, commercial automobile, homeowners, workers compensation, commercial multiple peril, general liability, global specialty, group disability and surety. You can save 12% or more by quoting online.
Headquarters: 175 Berkeley Street Boston, Massachusetts
Arbella Insurance is affordable, reliable and one of the leading providers of comprehensive car insurance in New England(Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island and Vermont), United States.
It offers coverage like Protection for losses, Physical damage to car, Auto Loan/Lease Gap Endorsement, etc.
You can get discounts like New To Arbella, Good Student, Military Away Discount For Drivers Deployed On Duty, Energy-Saving Hybrids Or Electrics, Multi Vehicles and many more…
Headquarters: Quincy, Massachusetts
10. Auto-Owners Insurance
Auto-Owners Insurance is a mutual insurance company that offers auto insurance, business insurance, life insurance & home insurance.
It is the 17th-largest insurance company in the United States, works solely through independent agents to ensure you’re getting the right protection from a skilled professional.
Auto-Owners offers variety of available discounts, road trouble service, new car replacement and a very competitive price.
Headquarters: Michigan, Delta Township, Michigan
11. Encompass Insurance Company
Encompass Insurance Company is the subsidiary of Allstate Corporation. It offers standalone auto insurance in 3 levels of coverage i.e Special, Deluxe and Elite along with rich features, high limits and valuable insurance discounts.
Its coverage includes Collision, Comprehensive, Property Damage Liability, Medical Payments, Road Trouble Service, etc.
You can get discounts like Multi-Policy Discount, Green Discount, Multi-Car, Student Discounts, Life Multi-Policy Discount
Headquarters: Northbrook, Illinois
12. Erie Insurance Group
Erie Insurance offers auto insurance, home insurance, commercial insurance and life insurance through a network of 13000+ independent insurance agents. It offers multi-policy discounts from 16% to 25%, depending on your state, when you insure your auto with them.
Its auto policy includes Pet coverage, Personal item coverage, Auto glass repair, Roadside & Rentals bundle & Locksmith services.
You can get discounts like Safe Driving discount, Car Safety Equipment discounts, Multi-car discount, Young drivers discounts, etc.
Founded: April 20, 1925
Headquarters: Erie, Pennsylvania
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13. National General
National General offers both auto insurance and commercial auto insurance for small businesses. It offers personalized coverage for autos, including a wide range of discounts.
Its small auto-business insurance protects your company against severe financial loss due to property damage, and liability.
Small business vehicles include commercial fleets, pickups, SUVs(Sport Utility Vehicles), personal autos and trailers.
Headquarters: Winston-Salem, North Carolina
14. Grange Insurance
Grange Insurance offers customizable full-coverage car insurance to meet your needs at any time of your life. It offers coverage on Identity Theft, Loan/Lease Gap, On Track Telematics, Roadside Assistance, Umbrella etc.
You can ask your agents about your discounts for which you qualify such as Multiple policy, Multiple vehicle, Paid in full, Safe driver, Good student, Away at school, Legacy loyalty, etc.
Headquarters: Ohio United States
15. Hanover Insurance
Hanover Insurance believes that the cheapest car insurance may not always be the best insurance.
It offers world-class claims handling, 24/7 online self-service tools, flexible payment plans, easy-to-read bills, combine coverages to maximize savings and coverage like liability, deductible dividends and new car replacement.
Headquarters: Worcester, Massachusetts
16. AARP Auto Insurance From The Hartford
The AARP Auto Insurance Program from The Hartford insurance has offered car insurance exclusively for AARP members.
AARP(American Association of Retired Persons) is a United States-based interest group that focuses on issues affecting those over the age of 50.
It offers coverage like New Car Replacement Coverage, Lifetime Car Repair Assurance, Disappearing Deductible for Auto Insurance and many more..
Headquarters: Hartford, Connecticut
17. Horace Mann
Horace Mann offers affordable car insurance to America’s educators and their families. Educators get special benefits and features at no additional charge.
They get coverages like Collision Coverage, Comprehensive Coverage, Emergency Road Service / Horace Mann Express Service, Rental Reimbursement, Liability Coverage and many more.
Headquarters: Springfield, Illinois
18. Kemper Corporation
Kemper Corporation offers auto and commercial auto insurance. It services approximately 6.4 million policies and represented by more than 30,000 agents and brokers.
It pays the amount necessary to repair the vehicle or pays you the amount necessary to buy a new vehicle, whichever is less.
You can ask your agents for discounts like Anti-theft Devices, Away at School, Driver Training, Good Student, Multi coverage, Package, Passive Restraint/Airbags, etc.
Headquarters: 200 East Randolph St.Chicago, Illinois.
19. Mercury Insurance
Mercury Insurance primary focuses on auto insurance and homeowners insurance. It offers coverages to meet everyone’s needs at very affordable rates along with other services.
You can get discounts like Anti-Theft Discount, Multi-Policy Discount, Good Driver Discount, Multi-Vehicle Discount, Good Grades Discount, etc.
Headquarters: Wilshire Boulevard, Los Angeles, California
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20. NJM Insurance Group
NJM Insurance offers auto insurance, classic car insurance, collector car insurance, motorcycle insurance and ATV insurance.
It offers discounts like Defensive Driving, Driver Training Discount, Electronic Payment, Good Student Discount, Home and Auto Bundle, Mature Driver Improvement, Multi-Vehicle Discount, New Car, Paperless Discount etc.
Headquarters: West Trenton, New Jersey
21. Safeco Insurance
Safeco Insurance is a member of Liberty Mutual Group. It provides necessary liability protection and other coverages required by law.
You can choose plenty of additional coverage options plus avail discounts like Safe Driver, Safety Rewards, Drive Less Pay Less, More Than One Car, Deter Thieves, Anti-Lock Brake etc.
Headquarters: Seattle, Washington
22. Shelter Insurance
Shelter Insurance Company focuses on auto insurance, property insurance, business insurance, and life Insurance. It offers coverages like Property Damage, Roadside Assistance, New Car Replacement plus some optional coverages.
Shelter Insurance also offers wide range of discounts without effecting the coverage like Safe Driver discount, Good Student discount, Pay in Full discount, Multi-Car discount, Companion Policy discount, Military discount, Anti-Theft discount, driver Training Course discount etc.
Headquarters: Columbia, Missouri
23. Travelers Insurance
Travelers Insurance is a large insurance company in the United States. It offers coverage like Liability coverage, Comprehensive coverage, Collision coverage, Medical Payments coverage, Rental coverage, Roadside Assistance, New Car Replacement, and Ride Sharing.
You can get discounts like Multi-Policy discount, Multi Car discount, Home Ownership discount, Safe Driver discount, Continuous Insurance discount, Hybrid/Electric Vehicle discount, etc.
Headquarters: New York
The USA(United Services Automobile Association) offers insurance to people and families who serve or served in the United States Armed Forces or US Military. People who switched to USAA on average save $707.
It offers coverage options like comprehensive coverage, collision coverage, liability coverage, uninsured and underinsured protection, etc.
You can get discounts like Safe Driver discounts, Defensive Driving discounts, Driver Training discounts, Good Student discounts, New Vehicle discounts, Multi Vehicle discounts, Annual Mileage discounts, Vehicle Storage discounts, Family Discount discounts, Length of Membership discounts, Military Installation discounts, No Payment Plan Fees, etc.
Founded: June 20, 1922; 98 years ago
Headquarters: San Antonio, Texas
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25. American Family Insurance
The American Family Insurance is also known as AmFam focuses on car insurance, home insurance, motorcycle insurance, boat insurance, life insurance and many more.
If you start a new personal auto policy you may qualify for a 10% Auto Premium Relief Credit plus a wide variety of money-saving discounts.
It offers coverage options like Emergency Roadside Assistance, Rental Reimbursement, Collision coverage, Property Damage Liability coverage.
You can get discounts like Bundle & Save, Make the Smart Switch, Safe Driving discount, Multiple-product discount, Multiple-vehicle discount, Early Bird, Low Mileage etc.
26. Clements Worldwide
Clements Worldwide offers comprehensive international car insurance & motorcycle insurance to expatriates, international schools, relief organizations, international organizations, contractors and medical tourists globally.
It offers coverage options like Excess Liability, Border less coverage, Protection against uninsured motorists, Home Country Rental Car Insurance Expense Reimbursement, Covers Towing and Labor Reimbursement, Windshield Replacements, etc.
You can also get Multi-policy discount when you bundle your international car insurance with any of other products.
Headquarters: Washington D.C
So these were some of the leading car insurance companies in the United States. It is up to you now that which car insurance company you chose depending on your requirements and budget.
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