Bankrate rated the following car insurance companies using our proprietary scoring system based on each featured company’s quoted 2021 premiums. Scores from industry-trusted sources such as AM Best, Standard and Poor’s (S&P), J.D. Power and others have also been weighed and used as a point of comparison.
Based on our research, we gave each company a Bankrate Score on a scale of 0.0 to 5.0. The higher a company’s Bankrate Score, the more highly that company ranked in each scoring category. Ultimately, the best car insurance company will likely be the one most closely aligned with your specific needs. Remember that car insurance rates are personalized, and you may pay more or less than the average rates listed below. Additionally, some states do not allow insurance companies to use your credit rating to calculate your premium. Getting quotes from several companies could help you find the right fit for your needs.
Why this company made our list: USAA could be a great option for military service members and their families.
USAA writes car insurance policies across the U.S. for military personnel and veterans and their eligible family members. Throughout every region of the U.S., USAA earns the highest customer satisfaction scores among its dedicated customer base, meaning most policyholders praise its exceptional customer service and claims processing. USAA members receive many benefits, including the company’s latest SafePilot program, where members can use the designated app for safe driving rewards.
Why this company made our list: Amica’s customer service is widely considered some of the best in the industry.
Amica has earned the highest customer satisfaction score among auto insurers in New England from J.D. Power for more than 20 consecutive years, which offers peace of mind to those looking for a customer-centric business model. The company currently provides auto insurance in a limited number of states, but if you live in its service area, you could benefit from excellent discounts and reliable claims processing. Amica is one of the few carriers that offer drivers an option to receive up to 20% back on their annual premiums through dividends.
Why this company made our list: Geico’s digital tools make it easy to handle your car insurance on the go.
Geico offers auto insurance in all 50 U.S. states and Washington, D.C., with regional offices in more than 10 major cities. The insurance company has excellent offerings for military members and government employees, as these discounts could save qualifying drivers more than 10% on auto insurance premiums or individual coverages. Geico’s mobile app is highly functional, allowing policyholders to access mobile ID cards, roadside assistance, vehicle service history, vehicle damage estimates, safety recall updates and more.