If you’re shopping for car insurance you’ll have many choices and will likely find a wide variety of rates for the same coverage. Many auto insurance companies advertise that they can save you money, but who really has the best rates along with good service?
We evaluated insurers to find the best car insurance companies based on average car insurance rates, levels of complaints and grades for collision claims from auto body repair professionals provided by CRASH Network.
The best car insurance company isn’t necessarily the cheapest. It’s tempting to shop for a new insurance policy based on price alone, but you need a company that will be there for you when it comes time to make a claim. After all, you don't want to choose the cheapest car insurance quote only to find that it doesn't provide the protection you need.
Our Best Car Insurance Companies for 2021 use pricing data and real customer feedback to help you find the best car insurance policy for you.
What Is the Best Car Insurance Company?
USAA is the best car insurance company for 2021, but you need to have a military affiliation to get it. If you don’t qualify for USAA, State Farm is the second-best auto insurer according to our data.
We asked real customers from nine of the top auto insurance companies across the country about their experiences. Their feedback provides valuable insight on how well these companies serve their customers, which can help you decide on the insurance company that most deserves your business.
We used this survey to identify the best insurance company in the country, as well as the best companies in the areas of customer service, claims handling and customer loyalty. It also identifies the insurers that are most likely to be renewed and recommended by their policyholders.
Top Ranked Car Insurance Companies
1. USAA
USAA is the best car insurance company we found. In our survey, USAA customers say they are very satisfied with this insurance provider's customer service. They also love the company's easy process for filing a claim, as well as the frequent updates on the status of claims.
The only negative we could find for this company is its limited availability. USAA only offers its services to veterans, members of the military and their families. As a result, many consumers won't qualify for insurance from USAA.
2. State Farm
State Farm makes it easy to file a claim, according to most survey respondents, many of whom plan to renew their policy. State Farm is also the best auto insurance company if you do not have a military affiliation.
State Farm earned slightly lower marks when we asked if customers were satisfied with the company's status updates during the claims process. Drivers insured through State Farm reported that the company is a good value overall.