Our top selections for the finest best auto insurance companies provide all the coverage you require, regardless of whether you are wanting to transfer insurers or this is your first time choosing a best auto insurance companies policy.
The companies on our list offer all five major types of insurance: collision, comprehensive, personal injury protection, liability, and uninsured/underinsured motorist coverage.
We have put together a comprehensive summary of the policies, advantages, and restrictions of each provider to help you discover trustworthy protection at a fair price. So join us as carism.info examine the top eight best auto insurance companies for July 2023.
Best Car Insurance Package: Amica Mutual
PROS
- (After it deploys) Free airbag replacement
- Changing locks if your keys are stolen
- $1000 for bail bonds and wage reimbursement in the event that you have to go to court.
- Offers non-binary gender options
CONS
- Doesn’t provide insurance for ridesharing
- Not all functionalities are accessible everywhere.
- Hawaii doesn’t have access to coverage
Why we picked it: Amica Mutual made our list because to their Platinum Choice Auto coverage, which enables drivers to accrue Advantage Points awards and enjoy significant deductible savings.
The Amica Platinum Choice Auto Policy is a pre-packaged option that offers all the fundamental protection that the majority of people require in addition to special extras like identity fraud monitoring.
Amica divides its coverage into two groups: items you must have and things you should have.
Its services consist of:
- Additional medical and funeral expenses are covered by MedPay.
- Collision — protects against damage from accidents.
- Comprehensive collision best auto insurance companies protects against damage from fire, theft, and other natural disasters.
- If your car were to be totaled, Guaranteed Asset Protection (GAP) would fill in the “gap” between what you owe and the car’s depreciated worth.
- Credit monitoring services are provided by a relatively small number of businesses, and they can help you monitor your credit and prevent identity theft.
In the J.D. Power best auto insurance companies Customer Satisfaction study, Amica consistently received the highest score in the New England region for customer satisfaction. Amica scored a B+ on the 2022 CRASH report card, which rates insurers based on how they manage policies and deliver payments. It also has a low complaint percentage with the National Association of Insurance Commissioners (NAIC) (rate increases and delays in claims handling are common problems).
Best for Customizable Premiums: Progressive
PROS
- Join the drive-monitoring program to lower your premium.
- Search for premiums with its Name that fit your budget. Tool for Your Price
- Utilize Progressive’s comparison tool to compare prices.
- Program for Loyalty Rewards
CONS
- Depending on whether you purchase online or over the phone, prices may change.
- Discounts change and aren’t offered in every state.
Why we chose it: Because Progressive’s Name Your Price service enables users to select coverage that matches their budget, we chose it as the best best auto insurance companies for individualized pricing.
Customization distinguishes Progressive from the competition. Customers can specify a budget using the Name Your Price tool, and Progressive will tailor a policy to fit that budget. Then, policyholders have a variety of coverage limits and deductibles to select from.
Progressive additionally offers coverage for a few items that are unusual among other insurance companies. One is ridesharing insurance, which covers you whether you work full- or part-time for a rideshare business (like Uber, Lyft, or food delivery). Additionally, Progressive’s collision insurance covers any injuries that your pet sustains in an accident for medical expenses.
Progressive’s telematics Snapshot program uses driving data including acceleration, braking, and distance to calculate savings and rewards drivers for safe driving practices. Customers can also choose to join its deductible savings bank. Every six months that pass without a claim, this program puts $50 into savings, and so on, up to the amount of your deductible. If you then submit a claim, your deductible will already be covered.
Best for Young Drivers: State Farm
PROS
- The majority of states
- Drive Safe & Save and Steer Clear initiatives help you save money.
- Coverage of travel expenses
CONS
- In CA, MA, or RI, the Drive Safe & Save program is not available.
Why we chose it: State Farm is the best best auto insurance companies for young drivers since it offers discounts of up to 25% to teen drivers with GPAs of 3.0 or higher.
The most expensive drivers to insure are teen drivers, but State Farm distinguishes out from other insurers by giving teen drivers significant discounts that help reduce the high costs. If a young driver maintains a GPA of 3.0 or above until they are 25, policyholders can save up to 25% by taking advantage of the Good Student Discount. A driver’s ed course may also qualify drivers under the age of 21 for a discount.
Additionally, by just covering the student while they are at home for vacation and holidays, the “Student Away at School” discount aids consumers in saving money.
The close to 19,000 agents that State Farm has spread across all fifty states are well known. This makes it perfect for those who value more individualized service and prefer to speak with a specific agent about their needs. Additionally, it ranked first in the Southwest region of J.D. Power’s 2021 best auto insurance companies Customer Satisfaction Report and second in Texas, New York, the New England and Northwestern regions.