Why you need a car insurance? The obvious answer is to peace of mind you will want to have before you get in an accident, have your car stolen, or encounter any number of situations that involve you having to make a claim and in this article, we help you to know you have selected a good auto/ car insurance company.

This list contains the best car insurance companies in the U.S. based on affordability, value of services, and responsiveness

1. Liberty Mutual

Liberty Mutual Group, more commonly known by the name of its primary line of business, Liberty Mutual Insurance, is an American diversified global insurer, and the fourth-largest property and casualty insurer in the United States.

They are the BEST out there! They are so honest, so friendly and so professional. Do your research and you will realize that Liberty Mutual is the best all around.

2. Esurance

Esurance Insurance Services, Inc. is an American company. It sells auto, home, motorcycle, and renters direct to consumers online and by phone.

Simple, easy to use online interface with little or no lag time. You can change your policy and pay bills in literally seconds. 5/5 stars for convenience alone. Competitive rates too.

I love Esurance. Hands down the best company that I have ever been to! You save a lot of money with high-quality customer service available 24/7 and the website is extremely easy to navigate. I had to file a claim for a not at fault accident and they were extremely efficient taking care of it and so easy to talk to.

3. Allstate

The Allstate Corporation is the second-largest personal lines insurer in the United States and the largest that is publicly held. The company also has personal lines insurance operations in Canada. Allstate’s response was compassionate and swift.

4. State Farm

State Farm is a group of insurance and financial services companies in the United States. The group’s main business is State Farm Mutual Automobile Insurance Company, a mutual insurance firm that also owns the other State Farm companies.

A company can’t stay number one in business unless the people in the company do what they promise. Nice being able to talk to real people 24/7, even in late at night, even when you are traveling, and in other time zones. Great service.

Great company, great service. Nice to have an Agent to help decide what coverages you need. Cost is secondary when you have a claim. Good coverage and good service are what’s important. They are number 1 for a reason.

5. Progressive

The Progressive Corporation is one of the largest providers of car insurance in the United States. The company also insures motorcycles, boats, RVs and commercial vehicles, and provides home insurance through select companies.

They are great to work with. They cover as promised and they have good rates.

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The Government Employees Insurance Company (GEICO) is an American auto insurance company headquartered in Chevy Chase, Maryland. It is the second largest auto insurer in the United States, after State Farm.

I love GEICO, they have EXCELLENT customer service. They are always great, they’re always so personal, they are always there to help all day and night and weekends and you don’t have to worry about someone being on vacation or sick because there’s always more and great agents there to help. Plus they work with other outside companies and you can get discounts other places just for being with them. I just wanted to say I think GEICO is worth calling and getting a quote if you don’t already have a policy.

Awesome rates, awesome service. Highly recommended. Liberty Mutual is way too expensive Geico is cheaper.


USAA proudly serves millions of military members and their families with competitive rates on insurance, banking and investment services. They are an honorable company who put their customers FIRST. They are fast, efficient and thorough. I highly recommend USAA to anyone who wants to be treated well. USAA is just the best for taking care of their customers and making a stressful situation virtually stress free.

USAA used to be for Officers and their families only. Not long ago they opened up membership to non-commissioned officers, then to all active military. Recently they even opened up membership to include honorably discharged veterans as well.

Without a doubt the absolute best company in the world. This is a not-for-profit company owned by members and run by well-trained professionals. Don’t see how any company can beat them on cost, service or range of coverage (cars, home, boat, personal property, individual liability).

8. Nationwide

Nationwide Mutual Insurance Company and affiliated companies is a group of large U.S. insurance and financial services companies based in Columbus, OH.

9. AAA

The American Automobile Association is a federation of motor clubs throughout North America. AAA is a non-profit member service organization; with 55.6 million members in the United States and Canada.

The response time, courteousness and professionalism shown by the AAA agent were amazing. The most feared by other companies. With AAA, nobody messes with you. On all fronts, AAA has the best customer service I’ve ever encountered.

10. 21st Century Insurance

21st Century Insurance is the American auto insurance company and is wholly owned by the Farmers Insurance Group of Companies.

21st Century keeps up the good work your customer service skills are on point as well as the compassion you show your policyholders. I would recommend this company and the savings are awesome. No one came close to the auto insurance rate.

11. Farmers Insurance

Farmers Insurance Group is an American insurer group of automobiles, homes and small businesses and also provides other insurance and financial services products.

Great agents and seem to have options to cover all your belongings. They are awesome! The agent that came out explained everything and made everything seem so clear.

12. MetLife

MetLife, Inc. is the holding corporation for the Metropolitan Life Insurance Company, better known as MetLife, and its affiliates. They were so responsive and proactive. They were so available and easy to talk with. They were so nice. They were the cheapest.

13. Travelers

Travelers Companies, Inc. is an American company. It is the second largest writer of U.S. commercial property casualty and the third largest writer of U.S. personal insurance through independent agents.

Travelers are the best. As compared to Allstate and Geico with Travelers. Travelers’ people care about their customers. Fast, fair claim service and very responsive policy services. Not the least expensive company on the street but in life, you get what you pay for. This is the best company ever

14. Amica

Amica Mutual Insurance Company is a Rhode Island-based company that offers auto, home, and life insurance. Amica was founded in 1907 by A.T. Vigneron and originally offered auto, fire and theft insurance.

Good rates and great customer service. Never had a single problem. Their rates are fair but more importantly, they provide great customer service and handled our auto accident (that was not our fault) with great satisfaction.

15. The Hartford

Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company that is part of the Fortune 500 list. My advice all you 50-year-olds try and contact Hartford and ask, you have nothing to lose.

16. Ameriprise

Ameriprise Financial, Inc. is an American diversified financial services company. Ameriprise Financial engages in business through its subsidiaries, providing financial planning, products, and services.

Great rates on higher coverage per incident. Very nice customer service. No other company has beat their rates. Great rates for higher coverage.

17. Safeco

Safeco Insurance, a member of Liberty Mutual Group, is a national U.S. insurance company. Safeco has always been there when you needed them. Safeco is one of the hidden gems of car insurance companies as they had zero problems. You will be impressed with their roadside assistance. Best service. Never raised their rates for years even if you have an accident. Customer services are excellent, Agents respond in less than 10 mins.

18. The General

The General Automobile Insurance Services, Inc. is a licensed insurance agency that is a subsidiary of PGC Holdings Corp., that focuses on car insurance.

19. American Family

Best Car Insurance Company ever. American Family is not the cheapest but if you rate your companies on price than you never have a claim. You will be shaken to the core to see what the cheap guys do when you have a claim. With American Family, we called Russ our agent and his staff help us through the whole process. When we talked to the claim adjuster, was very informative and worked with us. The most important thing to us that if you have a claim the company is going to step up to the plate and trust us you never been disappointed by the American family. What great customer service.

20. Insurance Panda

As per feedback and from lots of different people. In Insurance Panda have annoying agents, but really good prices. Their rates are as low at $24/month. Good premiums for New York drivers. It is found 25/month rates and always looking for cheaper.

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