The Eight Greatest Auto Insurance Firms in November 2021 – Crossroads At present

Choosing the best car insurance can be a daunting task because of the many factors that affect car insurance premiums. The minimum requirements for car insurance cover also vary depending on the state, which makes choosing the right insurance cover even more confusing.

Our selection of the best car insurance policies will help you choose the best car insurance coverage for your vehicle.

Our top tips for the best auto insurance companies in November 2021

Car insurance protects so much more than the car.

Before your child goes to college, make sure they are covered with auto insurance that suits their needs. Click on your state for a free quote.

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Reviews of the best auto insurance companies

Amica Mutual

Best car insurance package

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Why we chose it: We chose Amica Mutual as the auto insurance company with the best insurance package. With Platinum Choice Auto, drivers can collect and save advantage points.


  • Free replacement of the airbag after deployment
  • Lock replacement for stolen keys
  • $ 1,000 for security deposits and wage refunds when appearing in court


  • No ridesharing insurance
  • Not all features are available nationwide
  • Insurance coverage is not available in Hawaii


A +


Highest total score (895 / 1,000)

NAIC Complaint Index

Above median (1.28)

Amica offers one of the most robust auto insurance packages, Platinum Choice Auto. This package includes Advantage Points, a program in which policyholders receive rewards for good driving performance, renew policies and recommend others. Benefit points can also reduce or even eliminate your deductible.

Amica's Platinum choices also include credit monitoring, a maximum rental of $ 5,000, and a new car replacement if your car is less than a year old and has less than 15,000 miles.

In addition to Platinum Choice Auto, Amica offers extensive coverage options to customize your auto insurance, including gap coverage and glass repairs with no excess.

Basic Amica insurance options include personal protection, property damage, personal injury and uninsured / underinsured motorists. Other policy options include auto loan / lease gap protection, comprehensive and collision insurance, roadside assistance, and rental refunds.

Amica auto insurance discounts

  • Bundle policies and insure multiple vehicles
  • Paperless payments, prepayments and AutoPay
  • Good driving habits: three years of damage free and completing a defensive driving course
  • Young drivers: for completing an apprenticeship, high-grade students and full-time students outside of school
  • With anti-theft devices, passive restraint systems or electronic stability features
  • Loyalty discounts after two years of insurance
  • Legacy discounts for drivers under 30 whose parents have been insured with Amica for at least five years

Amica car insurance tools

  • Mobile app: track claims, request breakdown assistance, pay bills
  • Car Connection Tool for price comparison of new and used cars
  • Contractor Connect provides access to a network of home remodeling contractors


Best for customizable rewards

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Why we chose it: We selected Progressive as the best auto insurance company for customizable premiums because the personalized Name-Your-Price tool enables drivers to find insurance coverage within their budget.


  • Personalized car insurance rates with Snapshot
  • Choose your premium with the Name Your Price Tool
  • Compare offers with Progressive's comparison tool
  • Loyalty rewards program


  • Prices may vary based on the type of purchase, whether online or over the phone with an insurance agent
  • Discounts vary and are not available in all states


A +


Below average (862 / 1,000)

NAIC Complaint Index

Below median (0.90)

Progressive offers the greatest control when it comes to how much you want to pay for your auto insurance. This is done via the well-known Name Your Price tool, which neatly reverses the usual method of getting an insurance quote.

All you need to do is provide some basic information (address, vehicle make and model, ownership or leased) and how much you can spend and Progressive will show you policy options within your budget.

Insurance options with Progressive include liability, fully comprehensive, medical expenses, collision and uninsured / underinsured motorist insurance. You can also add roadside assistance, loopholes, rental car refunds, special parts, and carpooling.

Progressive auto insurance discounts

  • Combine your car insurance with household, tenant or life insurance
  • Insure multiple vehicles
  • Vehicle security functions such as anti-theft alarm system
  • Automatic and paperless payments
  • Loyalty rewards through continuous coverage with Progressive
  • Teen Driver Discounts: Full-time students with good grades and students away from home

Progressive auto insurance tools

  • Get coverage options within your budget with the Name Your Price tool
  • Car insurance calculator based on your state and your personal information
  • Get personalized rates with Snapshot, a usage-based insurance program (not available in California or North Carolina)
  • Mobile app: View your driving status, recent trips and ways to improve your driving behavior

District farm

Best for young drivers

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Why we chose it: We selected State Farm as the best auto insurance company for young drivers because they offer up to 25% savings for teenage learner drivers with a GPA of 3.0 or higher.


  • Offers ridesharing insurance in most states
  • Save money with the Drive Safe & Save and Steer Clear programs
  • Travel insurance


  • Drive Safe & Save program not available in CA, MA, or RI


A ++


Above average (892-1,000)

NAIC Complaint Index

Below the median (0.70)

State Farm offers teenage drivers big savings with discounts such as good students, out of school students, driver training (up to 20%), and savings on good driving habits with the Steer Clear Safe Driving Discount.

State Farm Travel Coverage pays for meals, transportation (home or to your destination), and accommodation if your vehicle is interfered more than 50 miles from your home in an accident covered by your fully comprehensive or collision insurance. A return trip to collect your car is also included.

Additional State Farm insurance options include liability, uninsured / underinsured motorists, medical payments, roadside assistance, and ridesharing (when using your car on Uber or Lyft).

State Farm Auto Insurance Discounts

  • Bundling with tenant, home or life insurance
  • Insure multiple vehicles
  • The Drive Safe & Save telematics program rewards you for good driving habits
  • Defensive driving courses (in selected countries)
  • Vehicle safety functions (seat belt, airbags in older vehicles)

State Farm auto insurance tools

  • Mobile app: Pay bills, file claims, request roadside assistance, view IDs and link your bank account to send money
  • Make car reservations through Enterprise or Hertz, or find a reliable auto repair shop


Best for discount availability

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Why we chose it: We selected Farmers as the best auto insurance company for discounts availability because they offer multiple discount categories that few companies offer, such as:


  • Guaranteed value pays out an “agreed value” if your car is totaled
  • Multiple discount categories
  • First major insurer to offer a discount on alternative fuel vehicles


  • Eligibility for discounts and percentage vary depending on where you live
  • Does not provide gap insurance to cover the full replacement cost of a new vehicle




Above average (893 / 1,000)

NAIC Complaint Index

Below the median (0.52)

Farmers offers a wide range of insurance products and ways to save on car insurance premiums. While the company doesn't offer a wider range of discounts than other insurers, it does offer two discounts that not all auto insurance providers offer.

First of all, important workers – such as doctors, nurses, firefighters, teachers and police officers – are entitled to a premium reduction, a benefit few insurers offer.

Farmers also offers several discounts on auto and home insurance to veterans, active duty members, and discharged service members.

Farmers' standard coverage options include liability, property damage, collision, fully comprehensive, uninsured / underinsured motorists, medical payments, and personal protection. Additional types of coverage include ridesharing, loss of use, rental refunds, and roadside assistance. Classic vehicle owners and collectors will also appreciate Farmers' coverage of up to $ 750 for replacement parts.

Discounts on auto insurance for farmers

  • Bundle insurance policies and insure multiple vehicles
  • Student discounts for good grades and distance learning
  • Automatic, paperless and on-time payments
  • Shared family car (not available in California)
  • Theft, anti-lock and passive restraint systems
  • Hybrid / electric vehicles or those that run on other alternative fuels (California only)
  • Discounts for members of the military and other essential service professionals

Auto insurance tools for farmers

  • Mobile app: chat with an agent, request roadside assistance, get a quote
  • Special insurance such as motorcycle and boat insurance


Best to change existing guidelines

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Why we chose it: We selected Nationwide as the best auto insurance company for changing existing policies because drivers can review their policy to ask questions, make changes and apply for discounts.


  • Get discounts with the SmartRide app for safe driving
  • Pay according to the number of kilometers driven
  • Earn up to $ 500 in cash when you buy or lease a qualifying new car or vehicle


  • The availability of SmartRide and SmartMiles discounts varies depending on the selected state and insurance coverage
  • Accident forgiveness not available in all states


A +

J.D. Power Score

Above average (876 / 1,000)

NAIC Complaint Index

Below the median (0.61)

Nationwide offers its policyholders a free annual auto insurance review called On Your Side Review. While every insurer allows you to review your policy at any time, this scheduled review encourages customers to clarify any questions about their policy and benefits, adapt their coverage to current and future needs, and apply discounts available.

The insurer offers standard coverage options such as collision and fully comprehensive insurance, gap insurance, uninsured motorists, personal injury liability and breakdown assistance as well as policies especially for young drivers and classic car owners.

The discount list is a little more limited than other companies, but you can lower your monthly premiums by bundling insurance policies, setting up direct payments, driving fewer kilometers and staying accident-free.

Nationwide discounts on vehicle insurance

  • Save up to $ 646 when you bundle auto and home insurance
  • Vehicle security and anti-theft devices
  • Automatic and paperless billing
  • Safe driver awards for customers who have been driving for five years without any major violations or accidents
  • Complete a defensive driving course
  • Good student discounts for drivers aged 16-24

Nationwide vehicle insurance tools

  • Mobile app: manage insurance policies, make payments, register and track claims, and request roadside assistance
  • SmartMiles, a pay-per-mile auto insurance program for low-mileage drivers
  • SmartRide, a usage-based auto insurance program for safe drivers


Best mobile app

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Why we chose it: We voted GEICO as the best auto insurance with a comprehensive mobile app. In addition to the usual options (options for accessing digital insurance cards, requesting breakdown assistance and asserting claims), the GEICO app also connects to CARFAX so that you can, among other things, view the service history of your vehicle, create a maintenance plan and search for open recalls.


  • Pay bills or request roadside assistance with the mobile app
  • Coverage calculator
  • Discounts for federal and military employees, seniors, and students


  • Accident forgiveness not available in CA, CT, and MA
  • Does not offer gap insurance

AM. valuation

A ++

J.D. performance evaluation

Below average (881 / 1,000)

NAIC Complaint Index

Above median (1.32)

Although GEICO has a reputation for being one of the most affordable auto insurance providers in the country, what sets the company apart is its easy-to-use mobile experience.

GEICO's mobile app – which has a terrific 4.8 out of 5 rating from nearly three million reviews on Apple's App Store – enables customers to access their digital insurance cards, request breakdown assistance, submit photos of their cars for damage assessments, and get in touch with a virtual assistant who answers questions about motor insurance, among other things.

In terms of insurance options, GEICO offers medical payments, personal injury protection, uninsured / underinsured motorists, collision and fully comprehensive insurance. Add-ons include roadside assistance, rental refunds, and mechanical breakdown insurance. The latter can cover repairs after your new vehicle warranty has expired. GEICO is also one of only two companies on our list with a special discount for military members.

GEICO auto insurance discounts

  • Equipment discounts for new cars, airbags, anti-lock brakes, anti-theft devices and others
  • Be accident-free for five years
  • Buckle up, take defensive driving, or take driver training courses, and be a good student
  • Membership discounts for military personnel and federal employees
  • Insure multiple vehicles and have multiple policies
  • Senior driver discounts for drivers over 50

GEICO car insurance tools

  • Mobile app: Access ID cards, pay bills and request roadside assistance or customer support around the clock
  • The DriveEasy telematics program rewards safe driving behavior
  • Car insurance coverage calculator


Best usage based insurance program

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Why we chose it: We selected Allstate as the auto insurance company with the best usage-based insurance programs. While Drivewise enables policyholders to save by driving safely, Milewise enables them to save by making short or infrequent trips.


  • Get driving insights and discounts for safe driving with Drivewise
  • Safe driving bonus for every 6 months that you are accident-free
  • Receive discounts for new cars and young drivers


  • Drivewise program not available in every state
  • The rewards vary depending on whether you buy online or through a local agent

AM. Best rating

A +

J.D. performance evaluation

Above average (807 / 1,000)

NAIC Complaint Index

Above median (0.88)

Allstate's telematics program, Drivewise, offers policyholders the opportunity to get money back through safe driving every six months, as well as an additional reward for signing up. Allstate also offers Milewise, a pay-per-mile insurance option that allows those who drive infrequently and those who only travel short distances to save between 20% and 70% on premiums.

Allstate has high social media responsiveness on platforms such as Twitter and replies directly to users on weekends. In addition, the website offers easy-to-use tools to help customers understand their policy and determine how much coverage they need.

Allstate coverage options include collision, fully comprehensive, liability and medical payments, uninsured motorists, sound systems, roadside assistance, personal protection, rental refunds and extended umbrella coverage.

Allstate auto insurance discounts

  • Vehicle equipment discounts for new vehicles, anti-lock braking systems and anti-theft devices
  • Multiple guidelines
  • Save driving
  • Sing your policy seven days before it goes into effect
  • Don't miss any payments for a year
  • Discount for students with good grades who study outside the home and undergo driver training
  • Automatic payments, full payments and paperless billing

Allstate auto insurance tools

  • Mobile app: Access ID cards, pay bills, report damage, request breakdown and accident assistance
  • Drivewise, a usage-based insurance program
  • Milewise, a pay-per-mile auto insurance program
  • Bumper-to-Bumper Basics, a tool to help you choose the right coverage limits and deductibles


Best for military members

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Why we chose it: We voted USAA as the best auto insurance company for military families and veterans. In addition to offering something specifically for this group, USAA also has some of the best customer satisfaction ratings, according to J.D. Power's most recent study of auto insurance claim satisfaction.

AM. Best rating

A ++

J.D. performance evaluation

Highest total value (909 / 1,000)

NAIC Complaint Index

Above median (0.98)


  • The highest overall customer satisfaction rating among the companies we reviewed
  • Below median (0.0) for NAIC customer complaints
  • Available in all 50 states including Washington, D.C.


  • Not available to civilians
  • Offers less specialty insurance compared to other auto insurance providers

While USAA is only available to active military, veterans, and their families, it ranks highly for providing top-notch customer service to its members. It also has a very low complaint rate according to the NAIC Complaint Index.

Active service members can benefit from a discount for vehicle storage of up to 60% while they are on duty and for the accommodation of their vehicles on the basis of up to 15% on fully comprehensive insurance.

USAA coverage options include liability insurance, fully comprehensive and collision insurance, auto replacement insurance, accident forgiveness, rental reimbursement, towing and occupational and ridesharing protection gaps.

USAA auto insurance discounts

  • Safe driver discount for maintaining a good record for more than five years
  • Defensive Driving Discount for participation in a recognized course
  • Driver training discount for completing basic driver training
  • Good student for young drivers with good grades
  • New car discount for cars that are not older than 3 years
  • Discount for multiple vehicles
  • Discount for vehicle storage
  • Family discount
  • Duration of membership savings
  • Discount for military installations
  • Automatic payments

USAA auto insurance tools

  • Mobile app: manage policies, access car insurance offers, access car IDs and transfer money

Other companies we considered

We rated insurance companies based on their financial strength, discounts, technology and customer experience. The following insurers were just in second place.



  • Above average customer satisfaction with J.D. power
  • Possibility to fix tariffs until you change the insured driver, the insured car or the home address


  • It only works in IL, IN, KY, MD, NY, NC, OH, PA, TN, VA, WV, WI, and DC

Erie in the Auto Claims Satisfaction Study 2021 by J.D. Power above average and therefore one of the most powerful companies in customer service. However, Erie stands out for its unique ERIE Rate Lock feature, which freezes your car insurance premium year after year, even after a claim has been filed.

The discounts at Erie include a multi-policy discount, house and car bundling, safe driving, annual prepayment, first-accident forgiveness, deductible reduction, vehicle storage, safety savings, annual flat-rate payments, and discounts for young drivers and students.

mutual freedom


  • Save up to 30% on your policy for safe driving with the RightTrack app
  • Get a discount on your hybrid or electric vehicle
  • Get a better price when you buy your policy online


  • Highest NAIC complaint rate of any insurer on our list
  • Accident forgiveness not available in CA.

Like other insurers, Liberty Mutual offers various discounts. However, unlike others, it doesn't limit the number of discounts you may be eligible for, a feature that could significantly reduce your premium. You can also find a coverage calculator on the company's website to help you determine the right level of protection for your vehicle.

The discounts available at Liberty Mutual include: Policy Bundling, Multiple Cars, Homeownership, Military, Good Student, Student Out of School, Full Payment, Paperless Driving, Safe Driving, and more.

Liberty Mutual's coverage options start with the basics: medical expenses payment, uninsured motorists, personal protection, liability insurance, collision and fully comprehensive insurance. Other insurance options available include roadside assistance, gap coverage, rental refunds, and insurance for teachers who keep valuable materials in their cars.



  • Has two accident forgiveness plans
  • Intellidrive program can reduce tariffs by up to 20%
  • The optional Premier New Car Replacement combines the replacement of a new car, the coverage of credit / leasing gaps and a deductible for glass


  • High NAIC complaint index compared to other insurers
  • Ridesharing coverage only in CO and IL. available
  • Insurance coverage, discounts, and deductibles are not available in all states

Travelers can get you a quote in five minutes or less; You don't even need to provide a driver's license number. If you request your car insurance quote while you are still insured with another company, you will receive a discount of up to 10%.

To learn more about travel insurance products, policyholders must contact an insurance agent or independent agent. Should you have to report an accident, the insurer has over 12,000 claims experts available around the clock across Germany.

Insurance options for travelers include liability, collision, fully comprehensive, personal protection and medical expenses. It also offers additional coverage options such as credit / lease gap coverage, rent refunds, accident compensation, new car replacement and roadside assistance. Ridesharing for Uber or Lyft drivers is only available in Colorado and Illinois.

Quote wizard


  • Compare different top insurers at the same time from a single source
  • Users can compare other types of policies such as home, tenant and life insurance


  • Doesn't make any offers, the website will redirect you to lender websites
  • May share information you provide with lenders and other third parties

QuoteWizard is a great place to compare car insurance quotes from different providers without doing all of the work. As a marketplace, it enables potential customers to compare auto insurance rates and double-check the coverage details before deciding on an insurer.

Note that the average car insurance rates advertised by QuoteWizard will vary depending on the insurance options you choose. You will also need to verify that your coverage limits meet the minimum liability requirements in your state, as the website does not provide this information.

Spark auto insurance


  • Nationwide provider network
  • Partner with other auto insurance companies
  • Allows drivers to compare coverage by comparing multiple companies


  • Requires personal information to be entered before connecting to the provider network
  • Not rated by A.M. Best or J.D. power

Spark Auto Insurance is an online marketplace designed to connect potential customers with a large network of insurance providers.

This network of providers offers standard and optional coverage options, such as personal injury, damage, collision, comprehensive insurance, personal injury, health insurance and underinsured motorists, among others.

Spark Auto Insurance works with renowned insurance companies such as Liberty Mutual, Travelers and Safeco. As a marketplace, the company allows you to compare different insurance providers and help you save with numbers that fit your particular situation.

Protect yourself and your car with auto insurance.

If you are looking for insurance that fits your budget and lifestyle, get a quote and start shopping today. Click below for more information.

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Guide to car insurance

This section tells you what auto insurance covers, what types of insurance most companies offer, how much auto insurance can cost, and what factors affect those costs. We also provide a step-by-step guide on how to buy car insurance and explain why car insurance is worth your money.

How does car insurance work?

Car insurance is a form of financial protection against theft, collision and liability. Put simply, you pay premiums to an insurer and the insurer will cover the damage in accordance with your policy, which usually only includes damage to the vehicles and personal injury.

For example, if your car is broken into and your laptop is stolen, the insurer will pay to replace the window and any other damage to the car, but not the computer. To do this, you need household or tenant insurance.

Motor insurance is regulated at the state level, so the minimum liability limits on your policy will depend on local laws. All states, except New Hampshire and Virginia, require drivers to take out auto insurance or pay some sort of fee if they are not insured.

Types of auto insurance coverage

There are six standard components of motor insurance coverage:

  1. Liability insurance includes liability for property damage and personal injury; The latter covers the medical costs of others resulting from a culpable accident.
  2. Der nicht versicherte/unterversicherte Autofahrerschutz deckt Arztrechnungen und Reparaturen ab, wenn Sie einen Unfall haben, der von einem anderen Fahrer mit geringer oder keiner Versicherung verursacht wurde.
  3. Der umfassende Versicherungsschutz deckt Reparaturen ab, wenn Ihr Fahrzeug durch etwas anderes als ein anderes Fahrzeug beschädigt wird (einschließlich Hagel, Feuer, Überschwemmung, Diebstahl und Vandalismus).
  4. Die Kollisionsversicherung deckt die Reparaturkosten an Ihrem Fahrzeug, wenn Sie in einen Autounfall verwickelt sind, der als Ihr Verschulden gilt.
  5. Die Krankenversicherung deckt die medizinischen Kosten ab, wenn Sie oder Ihre Passagiere bei einem Unfall verletzt werden.
  6. Der Personenschadenschutz (PIP) deckt Arztrechnungen, Lohn- und Bestattungskosten für Sie oder Ihre Mitfahrer ab, wenn Sie einen Unfall haben, unabhängig davon, wer schuldhaft ist. Auch als Sachschadenversicherung bekannt.

Ziehen Sie optionale Versicherungen in Betracht, wenn Sie zusätzlichen Versicherungsschutz wie Pannenhilfe, Glasersatz und Mietrückerstattung benötigen.

Wie viel kostet eine Autoversicherung?

Die National Association of Insurance Commissioners (NAIC) hat kürzlich den Auto Insurance Database Report 2017-2018 veröffentlicht, der besagt, dass der nationale Durchschnitt der jährlichen Kfz-Versicherungskosten im Jahr 2018 bei 1.190 US-Dollar lag.

Dies kann jedoch in Abhängigkeit von einer Vielzahl von Überlegungen stark variieren. Tatsächlich weist die NAIC ausdrücklich darauf hin, dass Vergleiche zwischen den einzelnen Bundesstaaten aufgrund der hohen Varianz der Versicherungsanforderungen und anderer Faktoren schwierig sind.

Während Ihr Fahrausweis und die Art des von Ihnen gefahrenen Autos Ihre Prämie beeinflussen, gibt es andere Faktoren, die sich darauf auswirken, was Sie für die Autoversicherung bezahlen. Generell gilt: Je höher das Risiko für einen Versicherer, desto höher die Prämie.

  • Autonutzung: Wenn Sie nicht oft fahren, ist die Wahrscheinlichkeit geringer, dass Sie in einen Unfall verwickelt werden. Das Gegenteil ist ebenfalls der Fall; Je mehr Sie fahren, desto wahrscheinlicher ist es, dass die Versicherung einen Schadenfall auszahlen muss, was zu höheren Prämien führt.
  • Wohnort: Ihr Wohnort beeinflusst Ihre Kfz-Versicherungsprämie. Im Allgemeinen haben städtische Gebiete im Vergleich zu ländlichen Gegenden höhere Fahrzeugdiebstahl- und Vandalismus-Raten, was wiederum ein höheres Risiko für den Versicherer bedeutet und zu höheren Prämien führt.
  • Alter: Unerfahrene Fahrer unter 25 Jahren zahlen in der Regel höhere Prämien, da die Versicherer die Fahrerfahrung als Hauptfaktor zur Kollisionsvermeidung schätzen. So gelten beispielsweise jugendliche Fahrer als Hochrisiko-Segment.
  • Geschlecht: Frauen sind statistisch gesehen weniger an Autounfällen beteiligt als Männer, was zu niedrigeren Prämien führt.

Was treibt die Kfz-Versicherungsprämien in die Höhe?

Ihre Kfz-Versicherungskosten hängen von folgenden Faktoren ab:

  • Familienstand: verheiratete Fahrer gelten als sicherer und finanziell stabiler als alleinstehende Fahrer.
  • Pendeln: längere Fahrten erhöhen das Unfallrisiko.
  • Eigenheimstatus: Eigenheimbesitzer gelten als finanziell stabiler als Mieter.
  • Besitz von Luxus- oder Sportfahrzeugen: Diese Autos sind teurer in der Reparatur, haben höhere Fahrzeugdiebstahlraten und viel PS, was das Risiko im Falle einer Kollision erhöht.
  • Unfälle oder Tickets: Diese können Ihre Zahlungen zusätzlich zu den Anwaltskosten und -gebühren für drei Jahre oder länger in Anspruch nehmen. Je schlimmer das Vergehen, desto höher der Anstieg.
  • Versicherungsschutz: Ihre Deckungssumme und Ihr Selbstbehalt können die Kosten Ihrer Prämie in die Höhe treiben.
  • Kreditwürdigkeit: Viele Versicherer verwenden kreditbasierte Versicherungs-Scores, um Policen zu bewerten. Statistische Daten zeigen, dass Fahrer mit schlechter Bonität eher Versicherungsansprüche geltend machen.

So senken Sie Ihre Kfz-Versicherungsprämie

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Bundle insurance policies

On average, bundling can save you 8% on your combined premiums. Consider one of our best homeowners insurance providers if you’re looking to bundle auto and home.

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Increase your deductible

The deductible is the amount you will pay out of pocket on a claim before the insurance company pays the rest. Increasing your deductible can reduce your premium payments. This may be a worthwhile gamble, especially for infrequent drivers.

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Review your policy regularly

Reassessing your current policy annually before renewal, or whenever you make life changes that affect who is driving your car, can ensure you’re getting the type and level of coverage you need and can afford.

Apply for discounts

Companies offer discounts to policyholders that maintain a clean driving record and drive vehicles with good safety features.

Although discounts vary from one lender to the next, they often include:

  • Bundling policies with the same company
  • Insuring multiple vehicles
  • Taking a drivers education course
  • Automatic and paperless payments
  • A higher deductible
  • Maintaining continuous coverage
  • Safe driving
  • Student driver with good grades
  • Low annual mileage
  • Students away at college
  • Vehicle safety features

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Reduce coverage on old cars

You can reduce your premium by dropping collision or comprehensive coverage on vehicles older than 10 years. Similarly, you might consider dropping collision coverage on vehicles you don’t use or have in storage.

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Consider usage-based insurance

Usage-based insurance options take into account your actual driving habits to calculate your premium.

Pay-per-mile insurance can help infrequent or short-distance drivers save 20% to 40%. Pay-how-you-drive insurance could help good drivers save up to 40%, plus a discount for signing up.

Usage-based insurance options that measure how fast you drive, how quickly you turn and how abruptly you break could end up costing you more if you don’t drive safely.

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Shop for rates

Shopping around and comparing price quotes from at least three different insurance providers can help you get the lowest possible car insurance rate. Using a car insurance comparison tool can help match you with a provider that offers the best car insurance policy for your vehicle.

You can get rate quotes directly from insurance companies either online or over the phone. Some state insurance commissioners also provide information on average car insurance prices in your state.

Besides average rates, take into account available discounts, coverage limits and deductible options when shopping for coverage. If you don’t know where to start, an independent insurance agent or broker could help you narrow down your options.

Read our guide to the best cheap car insurance companies for more ways to save on auto policies.

How to get car insurance

To purchase car insurance, you need your driver’s license and vehicle registration. You will also need a copy of your existing insurance declaration page if the vehicle is already insured.

Here are some additional tips on how to buy the best car insurance:

  • Shop around for the best annual premium.
  • Try to never be underinsured. Some minimum coverage requirements tend to be low and may not cover you sufficiently in the event of a serious accident.
  • Look for policy discounts and other ways to save.
  • Decide on a deductible.
  • Taking a driving course can help if you have a DUI on your record.

Is car insurance worth it?

Considering that Virginia and New Hampshire are the only two states where some form of car insurance is not mandatory, most auto owners don’t have much of a choice in whether to insure their vehicle.

In other states, driving while uninsured is considered a misdemeanor. Paying a car insurance policy is preferable to getting into trouble with law enforcement. Driving while uninsured also leaves you vulnerable to civil action, including having your vehicle and other assets seized to settle damages you cause and any liability you incur in an accident.

Car Insurance FAQ

How does car insurance work?

Car insurance is designed to cover both vehicle repair costs and medical expenses for you and your passengers after an accident.

Some car insurance coverage options also pay for expenses related to injuries or property damage caused to others, or provide additional protection in the event you’re in an accident caused by someone who doesn’t have insurance or has insufficient coverage.

What is comprehensive car insurance?

Although comprehensive car insurance sounds like it provides coverage for everything, the truth is the name can be misleading and is often confused with “full coverage.” Comprehensive coverage includes damage to your car not caused by another vehicle, such as theft, damage from fire, hail or vandalism.

The best car insurance companies provide what’s called “full coverage,” which refers to the combination of collision and comprehensive coverage. Although these two policies are optional, cars that have both policies are considered “fully insured.”

Will my car insurance increase if I am in an accident?

Whether or not your rate will increase after an accident will depend on your insurance policy. Generally, if you are the at-fault party, your premium will go up.

How long does an accident stay on your auto insurance record?

It’s typical for accidents to stay on your driving record for a total of three years from the date of the accident.

What’s the risk of having a bare-bones policy?

A bare-bones insurance policy refers to a low-cost minimum liability car insurance coverage – typically covering only state minimums for liability which insurance experts say are too low to fully protect most people. With a basic auto insurance policy, you run the risk of being liable to pay for damages that exceed the amount your policy will cover if you’re in an at-fault accident.

If you can afford it, consider additional coverage to avoid putting assets like your home at risk if you can’t pay these expenses out-of-pocket.

How We Chose the Best Car Insurance Companies

To find the best car insurance companies in the nation, we vetted a total of 23 insurers featured on the NAIC’s 2020 Property/Casualty Market Share report for Private Passenger Auto as well as J.D. Power’s 2021 U.S. Auto Claims Satisfaction Study.

Since car insurance is regulated at a state level and most insurance providers offer the same coverage types across the board, we only considered companies with few complaints against their private passenger policies as reported by the National Association of Insurance Commissioners (NAIC). We also prioritized nationwide auto insurers with superior financial strength, ample discounts, technology integration through telematics programs and above-average customer satisfaction scores from J.D. Power.

  • Financial stability: when an insurer goes bankrupt, it typically sells its existing policies to other insurance companies. Make sure your car insurer is financially stable enough to pay out your claims when you need it.
  • Discounts: auto insurance policies beyond basic liability can be costly. Discounts could help you get the coverage you need without breaking the bank.
  • Technologie: most of the companies on our list use automation to provide quotes in a matter of minutes and process claims 24/7. Car insurance companies that use these technologies ranked higher on our list.
  • Customer experience: filing a claim can be a hassle. To help you minimize stressful situations, we carefully considered companies based on customer satisfaction ratings as reported on J.D. Power’s 2021 U.S. Auto Claims Satisfaction Study.

Summary of Money’s Best Car Insurance of November 2021

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