Best Auto Insurance Companies

Are you looking to save money on your auto insurance each month? Do you need to find a company that will provide you with more comprehensive insurance? Since there are so many auto insurance companies, it can be challenging to determine which is the best option to meet your needs.

To help you make a decision, we have reviewed five of the top auto insurance companies. Read through our reviews, then you'll be able to make the switch to the company that will best meet your needs.

Best 5: Auto Insurance Companies Review

Product Image & Rating (Out Of 10)

Product Name

Contact

Liberty Mutual

9.9

Farmers

9.7

Progressive

9.6

Allstate

9.4

GEICO

9.2

Recommendation #1

Liberty Mutual

9.9

Recommendation #2

Farmers

9.7

Recommendation #3

Progressive

9.6

Recommendation #4

Allstate

9.4

Recommendation #5

GEICO

9.2

Liberty Mutual

Liberty Mutual offers a lot of discounts that can help you save money on your car insurance policy. If you follow the straightforward steps to sign up for a policy online, you'll even receive a discount for that. If you have other insurance (such as homeowner's insurance), you can save even more money by getting both policies covered with Liberty Mutual.

Some of the other discounts you may be eligible for with Liberty Mutual include a military discount, early shopper discount (signing up before your current policy expires), good student discount, alternative energy discount, and anti-theft device discount.

Liberty Mutual also offers a variety of discounts related to your driving record. If you have a clean driving history, these discounts can add up to big savings. The driving-related discounts offers are the accident free discount, the violation free discount, and the RightTrack discount.

Liberty Mutual

The RightTrack program was developed to help Liberty Mutual offer rewards to safe drivers who make smart driving choices. If you choose to sign up for this program, you will receive a small device to put in your car. The device will measure items such as acceleration, braking, nighttime driving and more so Liberty Mutual can decide if you should receive a deeper discount.

Liberty Mutual's policies all include coverage for bodily injury, property damages, and medical payments. You can decide whether you want to add additional coverages such as towing, rental car coverage, or better car replacement to your policy.

Getting a personalized quote from Liberty Mutual is simple. Just visit their website where you can search for auto insurance quotes based on your zip code.

Pros

  • The RightTrack program is an easy way to decrease your insurance premiums if you are a safe driver.
  • Getting an online quote is quick and easy.
  • You can save money by signing up for your policy online.

Cons

  • You may be able to find a better rate with another company.
Farmers

When you visit Farmers Insurance's website, you'll easily be able to see all the different coverage options they offer. The 'Coverage' page helps you determine how much coverage you need for third-party liability coverage and collision coverage.

The main coverage options they offer for auto insurance include liability insurance (covers property damage and bodily injury), collision coverage, comprehensive coverage (covers your vehicle when it is damaged by something other than an accident, such as an act of nature), uninsured motorist coverage, medical payments coverage, and Personal Injury Protection (PIP). You can customize the plan you choose to adjust the amount of coverage provided under these different categories.

Farmers

In addition to their standard coverage options, Farmers Insurance also offers optional coverage options to increase what you may receive in the event of an accident. These options include new car replacement coverage, customized equipment coverage (replacing damaged add-on equipment), towing and roadside service coverage, accident forgiveness, and car rental reimbursement. You can also choose to sign up for personal liability umbrella coverage, which can add up to $10 million in additional coverage over the limits of your auto policy.

Farmers Insurance also offers discounts that can help you save more money each year. Some of these include safe driving discounts, a bundling discount, or adjusting your deductible to save money on your annual payment.

You can receive a free quote on their website. You'll just need to enter a little information about yourself, your car, and your family. If you like the quote you see, you'll be able to purchase your new policy right away.

Pros

  • There are lots of coverage options that you can add on to your policy.
  • Receiving a quote will only take a few minutes online.
  • Bundling your policies or being a safe driver can earn you a discount.

Cons

  • You will have to pay extra to add on features like reimbursement for a rental car.
Progressive

If you're interested in seeing how much Progressive may be able to save you each month, you can receive a free quote online. Doing so will only take a few minutes of your time. You'll need to enter information about yourself and your vehicle to receive an accurate and customized quote.

Once you see your personalized quote, you can use the Coverage Checker. This feature will help you identify areas where you are lacking enough coverage or would be paying for more than you need. If you are satisfied with the quote you receive, you can purchase your policy and download proof that you have auto insurance.

Progressive offers numerous ways for you to save on insurance. By bundling a home and auto policy, you can save up to 5% on your car insurance. They also offer a program called Snapshot that can help you save money.

Progressive

With the Snapshot program, you'll receive a plug-in device or can choose to use a mobile app. The device will monitor your driving and report information back to Progressive. If you're a safe driver, Progressive can give you a discount on your policy.

If you are looking to keep your coverage within a certain range, try Progressive's Name Your Price Tool. With this option, you enter the amount you are looking to pay for car insurance and Progressive will show you the available options within your price range.

You can customize your insurance policy to include different amounts of coverage for the different coverage options provide by insurance. They will provide you liability coverage, collision coverage, comprehensive coverage, uninsured motorist coverage, medical payments coverage, and rental car reimbursement.

Pros

  • Progressive's Coverage Checker can help you identify areas within your quote where you have too much or not enough coverage.
  • Just by driving around with the Snapshot tool, you can save money for being a save driver.
  • The Name Your Price Tool can show you the coverage options within your budget.

Cons

  • Depending on the coverage options you choose, you may be able to find a cheaper policy with another company.
Allstate

Allstate offers a variety of coverage options and discounts that will help you find the perfect policy to meet your needs and your budget. If you consider yourself a safe driver, consider signing up to use Drivewise. This app lets you (and Allstate) monitor your driving and can help you save money on your policy.

When you sign up with Allstate, you'll be able to customize the coverage options they offer to meet your needs. They offer collision coverage, comprehensive coverage, liability cover, medical payments coverage, in addition to many other options that you can choose and modify.

Allstate

Allstate also offers additional discounts designed to help you save money on your policy. Some of these discounts include a new car discount, multiple policy discount, smart student discount, early signing discount, and anti-theft device discount.

If you think Allstate Insurance may be right for you, enter your information on their website to receive a free quote. It will only take a few minutes of your time, and you'll be able to view the different coverage options available for you.

Pros

  • Drivewise can help you save money if you are a safe driver.
  • There are a variety of discounts that could help decrease your premiums.
  • It will only take a few minutes to receive a free quote.

Cons

  • Some policy options that only provide minimum coverage are more expensive than those offered by other companies.
GEICO

GEICO is a well-known company that could help you save money on your auto insurance policy. You will be able to choose from a variety of coverage limits to create the policy that is right for you.

To help you choose the right amount of coverage, GEICO has a personalized coverage calculator. You can enter your information into their calculator and it can help you determine the amounts of bodily injury coverage and property damage coverage that you should sign up for. The calculator can also help you set your deductible to the correct amount.

GEICO

GEICO offers discounts for people in many different groups and professions. Seniors, federal employees, students, active or retired military personnel, and those in various other groups can save money when they sign up with GEICO. You can also receive discounts based on your driving record, safety equipment in your vehicle, anti-theft systems, and for being a loyal customer.

GEICO offers an easy to use app which makes it easy to pay your bills, file a claim, and view your insurance cards. You can request a quote online which will only take a few minutes of your time. Or, if you would prefer to talk with an agent, you'll be able to locate someone local using GEICO's website.

Pros

  • GEICO has a 97% customer satisfaction rating.
  • GEICO has an app that will let you pay your bill and file claims easily.
  • Various groups and professions may qualify for a discount with GEICO.

Cons

  • Some customers feel that GEICO's customer service is not the best.

Buying Guide

If you drive, car insurance is a necessity. However, overpaying for your car insurance is not a necessity. There are many ways to save money on your policy when you choose the right company.

Before signing up for a new policy, take some time to closely compare the different companies you are considering. There are a few key factors you will want to compare between the different options on your list.

First, you will want to consider the price of the policy. However, price isn't everything. You will want to make sure you choose a policy that provides you comprehensive coverage that will protect you and your vehicle in the event you get into a car accident.

You will want to choose a policy that provides adequate medical coverage for you, other individuals who may be in your vehicle, and the other driver and their passengers. Additionally, you will want to choose a policy that will provide enough coverage to repair or replace your vehicle. The last thing you'll want to deal with after an accident is figuring out how you're going to be able to afford a new car if yours gets totaled.

You may want to look for additional features such as roadside assistance, access to rental cars after an accident, or first accident forgiveness.

Before deciding on a company to use, pay attention to the different discounts they offer that you'll be eligible for. It is always a good idea to request a quote so you'll be able to see what your actual rate will be.

Finally, look for a company that offers top-notch customer service as well as a fast claims process. This will help ensure that things will move quickly in the event you are in an accident.

Top Pick

Liberty Mutual is our favorite auto insurance company. When you choose to sign up with them, you'll have access to a wide variety of discounts that can help lower your car insurance premiums.

All of Liberty Mutual's plans include coverage for property damage, bodily injuries, and medical payments. You can customize the rest of your plan, and only pay for the additional coverage options you want.

Liberty Mutual

When you're ready to sign up for auto insurance, you'll find that it is quick and easy to do with Liberty Mutual. Visit their site today to sign up and start saving.

Frequently Asked Questions

How Can You Save Money on Car Insurance?

There are a few different things you can try if you are looking to save some money on your car insurance bill. First, always get quotes from multiple insurance companies to make sure that you are getting the best deal. If you are looking to purchase a new car, check with different companies to see how much it will cost to cover it. If it sounds like too much money, consider purchase a different car that will cost less to insure. Another way to save money on car insurance it to increase your deductible. This will mean that you will need to be prepared to pay more in the event you get into an accident, but your monthly and yearly costs will be less.

Do You Save Money If You Use the Same Company for Car and Home Insurance?

Yes, many insurance companies will give you a discount for 'bundling' your policies with them. Talk with different insurance companies, because some will offer a pretty substantial discount when you use them for multiple policies.

Why Is My Car Insurance so Expensive?

If you have received a lot of tickets or have been at fault for accidents in the past, it can affect your insurance rate. Also, if you are younger than 25 years old, you are considered a 'higher risk,' and therefore will be charged more each year. Poor credit, the type of vehicle you have, and gaps in insurance coverage can also affect your insurance premium.

How Much Auto Insurance Do I Need?

This will depend on the condition and value of your vehicle. If you have a newer vehicle that is still worth a substantial amount, you will want to fully covered in the event you get in an accident. As the value of your vehicle decreases, you may be able to decrease the amount of coverage you have. You will also want to consider the other people who are frequently in the car with you and how often you drive to help you decide whether to decrease your auto insurance.

REFERENCE & RESOURCES


The Official Top 5 Review team is dedicated to testing and researching the top products available for many different industries. We do the research and testing so that you don't have to! We welcome you to provide your feedback on your experiences with any products that you have experience with.

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