Reading the best auto insurance reviews can help in making a determination about which company offers the best rates, coverage, and customer service. Several preferences that factor into choosing an insurance provider include driver ages, make of vehicle, the company’s financial stability, available discounts, and reviews and ratings by customers.
Top Insurance Companies
For most states, vehicle insurance is a requirement. Not only does it protect against a negative financial impact, but it also protects your investment. The following is a current list of the top companies for insurance coverage.
- State Farm
- American Family
- New Jersey Manufacturers Insurance
Allstate covers all states and Washington, DC. and offers coverage that goes beyond basic auto insurance, which includes coverage for vehicles used for rideshare and for sound systems and provides reimbursement for rental car expenses. The company ranked above average in J.D. Power’s Auto Claims Satisfaction Study. A mobile app offers two key features: the Drivewise program and convenient policy management. The app allows access to roadside assistance, ID cards, and uploading photos. The Drivewise program reviews driving habits, provides insight to drivers, and allows a cash back reward for safe driving over six months.
Policyholders with Amica have the option to receive dividends up to 20 percent on annual premiums. The company is one of a few that offer this option. Benefits of the dividends include applying the savings to future premiums, lowering the cost of the policy, and flexibility in dividend payments. Amica insurance is not available nationwide.
Farmers was the first company to offer comprehensive coverage back in 1933 and continues to do so for all states. The company also offers other types of coverage for things such as glass and windshield repair, customized equipment, and spare parts. Depending on the state, Farmers offers 22 discounts for drivers to save. The score for Farmers on the J.D. Power Auto Claims Satisfaction Study is 872, which ranks the company higher in comparison to other industry providers.
Providing coverage in all U.S. states plus Washington, DC, Geico is considered one of the best providers of insurance having ranked in fifth place for the J.D. Power Auto Insurance Satisfaction Study for overall customer satisfaction. The company offers insurance discounts in five categories and provides excellent policy coverage for military personnel and federal employees. Geico’s mobile app also offers an exceptional user experience allowing multiple services to be conveniently accessed such as the vehicle’s history, roadside assistance, damage estimates, and more.
Progressive ranks above average in the J.S. Power Auto Insurance Study for insurance satisfaction. The company offers coverage for multiple modes of transportation that includes motorcycles, classic cars, RVs, and ATVs. Drivers have access to multiple discounts such as the Snapshot program allowing drivers to save on average $145 annually for safe driving. Other discounts include the good student discount up to 10 percent and an estimated 10 percent homeowner discount.
State Farm frequently ranks high in the J.D. Power Auto Study. In 2020, the company ranked number one in the New York and Mid-Atlantic regions in the J.D. Power satisfaction study. AM Best rates the company with an A++ to signify the company’s excellent financial strength. The company’s mobile app allows policyholders to manage their accounts and have direct access with agents. State Farm also offers discounts to drivers who are accident free and have a good driving history and offer lower rates to those striving to improve their driving history even after an accident.
Discounts available from American Family are available in some of the 19 states the company covers. Some of the discounts are for drivers completing a defensive driving program, students who are away at school, and a loyalty program. The company has apps to earn discounts. J.D. Power ranked the provided No. 17 for insurance claims satisfaction.
Chubb is not the typical insurance provider. The company’s focus is specializing in high-level white-glove coverage for high-end policyholders. Some of the coverage options include repairs using original manufacturer-made parts, rental reimbursement with a $15,000 limit, and a $10 million high liability limit. Chubb is available in 35 states and Washington, D.C.
Available in 12 states plus Washington, D.C., Erie offers a variety of benefits for policyholders. The company offers 18-year-old drivers’ low premiums, pet coverage, and physical damage coverage up to $350 for personal items. A special Erie Auto Plus policy features a $10,000 death benefit and a diminishing deductible. Erie ranked high in best car insurance companies in the J.D. Power Auto study.
In the 2020 J.D. Power Auto Claims Satisfaction Study, Nationwide ranked above average. The company has wide coverage with offices in 46 states and Washington, D.C. The company is a good choice to consider for drivers working on their driving skills. Drivers can get Nationwide’s SmartMiles and SmartRide program that cover personalized savings and accident forgiveness. SmartMiles is a mileage based program with up to 10 percent savings, and SmartRide is based on driving behavior with up to 40 percent savings.
Travelers ranked eighth for customer satisfaction and 19th for customer claims satisfaction in J.D. Power’s 2020 studies. The company operates in 42 states and Washington, D.C. The company’s telematics program, available in some states, tracks how a person drives and is eligible for a discount. In a 36 month period, a discount is available for accident forgiveness for one minor violation and one accident.
For those in the military , veterans, and eligible family members, USAA offers low rates and a variety of benefits. Some of the benefits include discounts when storing your vehicle on a military base, a 10 percent legacy discount for children when they are eligible to drive, loyalty discounts for long time members, and policies that take into account unforeseen changes due to the military-lifestyle.
New Jersey Manufacturers Insurance
New Jersey Manufacturers Insurance received the #1 ranking in the J.D. Power claims satisfaction study as “Among the best”, and third in the Auto Insurance Satisfaction Study in the mid-Atlantic region. The company is not limited to just New Jersey. Coverage is also available in Pennsylvania and Connecticut. Standard coverages include new car replacement for cars with less than 15,000 miles, gap insurance, and pet coverage.
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