
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies for November 2023
Geico, Amica and USAA are among the best car insurance companies in 2023, according to Bankrate’s research.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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The best car insurance companies in 2023
The best car insurance companies offer rates, coverage options, discounts, third-party scores and digital tools that fit your individual needs. Our research revealed that these 10 insurers are some of the best car insurance companies available. We’ve highlighted each company’s standout feature to help you decide which insurer fits your specific needs. Your car insurance needs are unique to your situation, so understanding those needs when comparing auto insurance companies can be an important step to finding the best rates and coverage.
Company | Best for |
Bankrate Score
|
|
---|---|---|---|
Best overall
|
4.4
|
||
Best overall
|
4.4
|
||
Best for military-focused coverage
|
4.3
|
||
Best for added perks
|
4.3
|
||
Best for discounts
|
4.2
|
||
Best for local agencies
|
4.2
|
||
Best for digital policy management
|
4.2
|
||
Best for coverage on a budget
|
4.1
|
||
Best for bundling numerous discounts
|
4.1
|
||
Best for personalized coverage
|
4.0
|
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Geico
BANKRATE AWARD WINNER
Best auto insurance company overall (tie)
Avg. full coverage premium
$113/mo
Avg. full coverage premium
$1,353/yr
Customer satisfaction
874/1,000
-
Why this company made our list: Geico's long history as a trusted, household-name auto insurer is reflected in its high Bankrate Score. Coverage is available for virtually every type of driver, making its car insurance coverage generally accessible, even for consumers with blemished driving histories. Geico’s winning combination of metrics helped it tie for the Best Auto Insurance Company Overall in our 2023 Bankrate Awards. The insurer also won in the Best Budget Auto Insurance Company category.
Availability: Available in all 50 states
Amica
BANKRATE AWARD WINNER
Best auto insurance company overall (tie)
Avg. full coverage premium
$122/mo
Avg. full coverage premium
$1,467/yr
Customer satisfaction
903/1,000
-
Why this company made our list: Amica’s exceptional claims service and customer-centric business model make it a standout choice for drivers seeking the top auto insurance company, based on Bankrate’s analysis. In fact, Amica tied with Geico for the Best Auto Insurance Company Overall in the 2023 Bankrate Awards. You can learn more about Amica at amica.com or by calling 1-800-242-6422.
Availability: Available in all states except Hawaii.
USAA
Best for military-focused coverage
Avg. full coverage premium
$113/mo
Avg. full coverage premium
$1,361/yr
Customer satisfaction
890/1,000
-
Why this company made our list: USAA cannot officially qualify for J.D. Power rankings because of its strict eligibility requirements; the company is only available to active-duty military, veterans and their eligible family members. However, it is still included in J.D. Power’s customer satisfaction and claims satisfaction studies — and is a frequent top scorer. Additionally, USAA has impressive financial strength ratings from Moody's, S&P and AM Best. Our analysis shows that this company could be the best for military-focused benefits, including a discount of up to 60 percent for qualifying military members who put their vehicles in storage while deployed.
Availability: Available in all 50 states.
Safeco
Best for added perks
Avg. full coverage premium
Not available
Avg. full coverage premium
Not available
Customer satisfaction
865/1,000
-
Why this company made our list: Our industry experience has taught us that the best car insurance company offers more than just the cheapest rates. Instead, some drivers may want to consider the overall value their company can provide. Although average rates aren’t available for Safeco, the company offers numerous perks that may pique your interest. From its extensive list of unique add-on coverage options, like its claims-free cash back and diminishing deductible offerings, to its networks of local agents, you may want to consider Safeco if you value a breadth of coverage options.
Availability: Available in all states except Alaska, Delaware and Hawaii.
Auto-Owners
Best for discounts
Avg. full coverage premium
$113/mo
Avg. full coverage premium
$1,361/yr
Customer satisfaction
865/1,000
-
Why this company made our list: If you live in one of the 26 states where Auto-Owners writes car insurance policies, you might want to include it on your list. Not only does Auto-Owners have a low NAIC complaint index, but it also received a top AM Best rating for financial strength. Young drivers and teens may want to pay special attention to Auto-Owners: it offers three different student discounts and fairly competitive rates for drivers 25 and under. But drivers older than 25 can likely find good deals with Auto-Owners, as well.
Availability: Available in 26 states.
State Farm
Best for local agents
Avg. full coverage premium
$123/mo
Avg. full coverage premium
$1,480/yr
Customer satisfaction
882/1,000
-
Why this company made our list: As the largest national auto insurer based on market share, State Farm's reach and reputation make it one of the best auto insurance companies for drivers in most states. Its extensive local agent network showcases its customer-first approach to providing consumers with various personal and commercial insurance products. We chose State Farm as the Best Auto Insurance Company for High-Risk Drivers in the 2023 Bankrate Awards.
Availability: Available in all 50 states.
Progressive
Best for policy management
Avg. full coverage premium
$137/mo
Avg. full coverage premium
$1,642/yr
Customer satisfaction
861/1,000
-
Why this company made our list: Progressive closely trails State Farm on the list of largest car insurance companies, dominating just over 14 percent of the market. Its nationwide availability and extensive list of coverage options make it a great choice for all types of drivers, even those who have a DUI conviction and need their insurer to file an SR-22 or FR-44 on their behalf. With average full coverage rates 22 percent below the national average and minimum coverage rates 13 percent cheaper, Progressive might also appeal to a more budget-minded driver.
Availability: Available in all 50 states.
NJM
Best for coverage on a budget
Avg. full coverage premium
$102/mo
Avg. full coverage premium
$1,229/yr
Customer satisfaction
896/1,000
-
Why this company made our list: Although it’s only available in five states (Connecticut, Maryland, New Jersey, Ohio and Pennsylvania), New Jersey Manufacturers (also called NJM) is an impressive insurer. In fact, a regional insurer might even be a boon to some drivers since, hypothetically, agents who specialize in a region should be more familiar with the needs of the drivers they serve. The company earned the second-highest official ranking for claims satisfaction from J.D. Power in 2022, offers low average rates and has local agents available for its customers.
Availability: Available in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania.
Liberty Mutual
Best for bundling numerous products
Avg. full coverage premium
Not available
Avg. full coverage premium
Not available
Customer satisfaction
870/1,000
-
Why this company made our list: Liberty Mutual auto insurance can be a great option for those who want the convenience of housing multiple policies with one insurer. Not only is bundling a convenient choice, but it can also help save. Liberty Mutual advertises that drivers who switch and bundle their home and auto policies together can save up to $950 annually. Liberty Mutual’s average car insurance rates are not available, so you must contact a Liberty Mutual agent for a quote.
Availability: Available in all 50 states.
Travelers
Best for personalized coverage
Avg. full coverage premium
$129/mo
Avg. full coverage premium
$1,551/yr
Customer satisfaction
854/1,000
-
Why this company made our list: Travelers has over 150 years of experience in the auto insurance industry. Its strong independent agent network, numerous endorsement options, robust savings opportunities and proven financial track record make it a worthwhile option for drivers nationwide.
Availability: Available in 42 states and Washington D.C.
How Bankrate picked the best auto insurance companies
We used our car insurance expertise and extensive data to assess the insurance industry's landscape and provide an easy-to-use shopping and comparison tool for consumers. Along with reviewing each company’s coverage options, discount opportunities, digital features and third-party scores, we obtained up-to-date average rate information for both full and minimum coverage from Quadrant Information Services. We combined this information into a Bankrate Score out of 5.0 total points. The higher a company’s Bankrate Score, the more competitively that company ranked in each scoring category. Our picks highlight auto insurers that:
- Generate a 4.0 or higher Bankrate Score
- Earn a J.D. Power claims satisfaction score within 20 points of the industry average or higher in the 2023 U.S. Auto Claims Satisfaction Study
- Carry an “Excellent” or “Superior” financial strength rating from AM Best
- Have a strong digital presence with a consumer-friendly mobile app or digital policy management features
- Are deemed by Bankrate to be the best in a particular market category
Why you can trust Bankrate
Read our full methodologyTo help you find the best car insurance company, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company. Our review also highlights standout discounts to help drivers understand how to optimize their insurance rates. Keep in mind, though, that discount amounts and eligibility requirements vary based on state regulations, driver profiles and the company you choose.
46
years of industry expertise
122
carriers reviewed
20.7K
ZIP codes examined
1.2M
quotes analyzed
What is the best car insurance company?
Best auto insurance company overall (tie)
Geico
If Geico’s lengthy list of insurance discounts wasn’t enough, its low average rates make it all the more appealing. Bankrate’s analysis of rate data from Quadrant Information Services shows that Geico’s average full coverage and minimum coverage rates sit a comfortable 49 percent and 67 percent below the national average, respectively. Additionally, Geico boasts an above-average rating from J.D. Power for claims satisfaction.
- Geico Auto Repair Express options offer fast service and guaranteed vehicle repairs for claims for as long as you own the car
- Available in all 50 states and Washington, D.C.
- Has an A++ (Superior) AM Best financial strength rating
Best auto insurance company overall (tie)
Amica
Amica earned the highest official ranking in the latest J.D. Power claims satisfaction study. Customer representatives are also available to support policyholders 24/7. Amica also offers a robust array of coverage options and discounts to help you personalize your policy.
- Is available in all states except Hawaii
- Has a strong claims satisfaction rating from J.D. Power
- Offers numerous coverage options and discounts
The best auto insurance companies by state
Car insurance rates by state
To assist our readers no matter where they live, we’ve created the interactive map below. This information can give you a holistic view of how much car insurance averages in your state and may provide a benchmark for you to use to determine how competitive your current premium is.
State | Avg. annual full coverage premium | Avg. annual min. coverage premium |
---|---|---|
Avg. annual full coverage premium
$1,843
|
Avg. annual min. coverage premium
$441
|
|
Avg. annual full coverage premium
$1,946
|
Avg. annual min. coverage premium
$421
|
|
Avg. annual full coverage premium
$1,810
|
Avg. annual min. coverage premium
$587
|
|
Avg. annual full coverage premium
$1,907
|
Avg. annual min. coverage premium
$443
|
|
Avg. annual full coverage premium
$2,291
|
Avg. annual min. coverage premium
$636
|
|
Avg. annual full coverage premium
$2,121
|
Avg. annual min. coverage premium
$500
|
|
Avg. annual full coverage premium
$1,553
|
Avg. annual min. coverage premium
$620
|
|
Avg. annual full coverage premium
$2,103
|
Avg. annual min. coverage premium
$801
|
|
Avg. annual full coverage premium
$3,183
|
Avg. annual min. coverage premium
$1,128
|
|
Avg. annual full coverage premium
$2,085
|
Avg. annual min. coverage premium
$639
|
|
Avg. annual full coverage premium
$1,275
|
Avg. annual min. coverage premium
$344
|
|
Avg. annual full coverage premium
$1,133
|
Avg. annual min. coverage premium
$267
|
|
Avg. annual full coverage premium
$1,806
|
Avg. annual min. coverage premium
$552
|
|
Avg. annual full coverage premium
$1,295
|
Avg. annual min. coverage premium
$327
|
|
Avg. annual full coverage premium
$1,315
|
Avg. annual min. coverage premium
$223
|
|
Avg. annual full coverage premium
$1,878
|
Avg. annual min. coverage premium
$416
|
|
Avg. annual full coverage premium
$2,124
|
Avg. annual min. coverage premium
$678
|
|
Avg. annual full coverage premium
$2,909
|
Avg. annual min. coverage premium
$805
|
|
Avg. annual full coverage premium
$941
|
Avg. annual min. coverage premium
$225
|
|
Avg. annual full coverage premium
$1,971
|
Avg. annual min. coverage premium
$815
|
|
Avg. annual full coverage premium
$1,262
|
Avg. annual min. coverage premium
$429
|
|
Avg. annual full coverage premium
$2,691
|
Avg. annual min. coverage premium
$1,104
|
|
Avg. annual full coverage premium
$1,760
|
Avg. annual min. coverage premium
$585
|
|
Avg. annual full coverage premium
$1,771
|
Avg. annual min. coverage premium
$446
|
|
Avg. annual full coverage premium
$1,943
|
Avg. annual min. coverage premium
$490
|
|
Avg. annual full coverage premium
$1,889
|
Avg. annual min. coverage premium
$310
|
|
Avg. annual full coverage premium
$1,624
|
Avg. annual min. coverage premium
$359
|
|
Avg. annual full coverage premium
$2,779
|
Avg. annual min. coverage premium
$973
|
|
Avg. annual full coverage premium
$1,262
|
Avg. annual min. coverage premium
$319
|
|
Avg. annual full coverage premium
$1,754
|
Avg. annual min. coverage premium
$782
|
|
Avg. annual full coverage premium
$1,591
|
Avg. annual min. coverage premium
$346
|
|
Avg. annual full coverage premium
$3,139
|
Avg. annual min. coverage premium
$1,371
|
|
Avg. annual full coverage premium
$1,446
|
Avg. annual min. coverage premium
$432
|
|
Avg. annual full coverage premium
$1,302
|
Avg. annual min. coverage premium
$269
|
|
Avg. annual full coverage premium
$1,266
|
Avg. annual min. coverage premium
$338
|
|
Avg. annual full coverage premium
$1,998
|
Avg. annual min. coverage premium
$406
|
|
Avg. annual full coverage premium
$1,415
|
Avg. annual min. coverage premium
$616
|
|
Avg. annual full coverage premium
$2,040
|
Avg. annual min. coverage premium
$428
|
|
Avg. annual full coverage premium
$1,886
|
Avg. annual min. coverage premium
$551
|
|
Avg. annual full coverage premium
$1,532
|
Avg. annual min. coverage premium
$524
|
|
Avg. annual full coverage premium
$1,553
|
Avg. annual min. coverage premium
$276
|
|
Avg. annual full coverage premium
$1,429
|
Avg. annual min. coverage premium
$371
|
|
Avg. annual full coverage premium
$2,019
|
Avg. annual min. coverage premium
$565
|
|
Avg. annual full coverage premium
$1,510
|
Avg. annual min. coverage premium
$539
|
|
Avg. annual full coverage premium
$1,061
|
Avg. annual min. coverage premium
$238
|
|
Avg. annual full coverage premium
$1,439
|
Avg. annual min. coverage premium
$494
|
|
Avg. annual full coverage premium
$1,410
|
Avg. annual min. coverage premium
$515
|
|
Avg. annual full coverage premium
$1,580
|
Avg. annual min. coverage premium
$421
|
|
Avg. annual full coverage premium
$1,292
|
Avg. annual min. coverage premium
$358
|
|
Avg. annual full coverage premium
$1,582
|
Avg. annual min. coverage premium
$263
|
|
Avg. annual full coverage premium
$2,072
|
Avg. annual min. coverage premium
$607
|
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
What are the different types of car insurance?
One of the first steps to finding the best auto insurance for you is to understand your needs. That starts with learning about the key coverage options available and how these options work together to provide financial protection.
- Bodily injury liability coverage can help pay for costs related to the other party’s injuries if you are found at fault for an accident. Most states mandate that you carry a certain amount of bodily injury liability per person and per accident.
- Property damage liability coverage helps pay for damage you cause to someone else’s vehicle or property if you are found at fault for an accident. Property may include fences, poles, buildings and more.
- Uninsured and underinsured motorist coverage pay for your injuries (and, in some states, your property damage) if it was caused by a driver who either lacks sufficient coverage or any coverage at all.
- Personal injury protection (PIP), also known as no-fault insurance and only available in certain states, pays for medical expenses you and your passengers incur following an accident, regardless of fault. It also accounts for non-medical expenses incurred as a result of an accident, such as lost wages or the cost of childcare.
- Medical payments coverage is similar to PIP insurance coverage but includes only payments for medical expenses. It is required in some states and optional in others.
- Comprehensive coverage is for a broad range of non-collision-related damage. This can include vehicle theft, fire, weather damage and more. Comprehensive coverage can also help if you hit an animal.
- Collision coverage helps cover damage to your vehicle if you’re involved in a collision, whether you hit another vehicle, a stationary object or a pedestrian.
While the main types of car insurance coverage are listed above, every carrier is different and may offer unique or specialized coverage options. For instance, if you purchase a brand-new vehicle, you may be interested in new car replacement coverage. Or, if the roads near you are full of potholes that could pop your tire, roadside assistance might be worth looking into. Speaking with your agent and reviewing your options online can help you find coverage tailored to your needs.
Car insurance basics
What factors impact the cost of car insurance?
The coverage you choose is not the only thing that influences the cost of your policy. Insurance providers use unique underwriting algorithms to determine how much of a risk you are to insure and the likelihood that you will file a claim. Not all carriers weigh each factor the same, and they may not be able to take certain factors into account depending on your state’s laws.
- Driving record: If you have a history of at-fault accidents, tickets or DUI convictions, you may find fewer companies to choose from since high-risk drivers are not eligible for coverage from every carrier.
- Age and driving experience: Younger drivers have less experience on the road, leading to a higher accident frequency. This can often lead to higher car insurance rates. Unless you’re in Hawaii or Massachusetts, which ban age as a rating factor, the best company for drivers insuring young drivers may be ones that offer student or telematics discounts to offset premium increases.
- State and city: States have different insurance laws, accident statistics, crime rates and living costs. Because of this, insurance companies may not be available in certain states or even in some cities or ZIP codes.
- Vehicle make and model: If you drive a well-selling vehicle with easy-to-source replacement parts, your insurer may lower your rate. Driving a vehicle that comes equipped with safety features may also help you save on insurance.
- Credit-based insurance score: Unless you live in California, Hawaii, Massachusetts or Michigan, your credit history will factor into your insurance premium. Drivers with poor credit generally pay more, while drivers with good or excellent credit tend to pay less.
- Insurance lapse history: If you’ve allowed your car insurance coverage to lapse, your insurer may charge more for your policy. A lapse in coverage could signal that you are a higher-risk driver and therefore more likely to file a costly claim.

How much does car insurance cost?
Proprietary data from Quadrant Information Services indicate that the national average cost of car insurance currently sits at $2,014 per year for a full coverage policy and $622 for minimum coverage. However, these figures are just a baseline. Car insurance is highly individualized, and rates vary based on numerous personal factors. Location is just one of those factors. Our data show that drivers in Florida pay an average of $3,183 per year for full coverage, while drivers in Maine pay just $941 for the same coverage. Driving incidents can also affect the total cost of your car insurance. Drivers with speeding tickets could see their premiums costing 21 percent more compared to drivers with clean records. Your state’s laws and your age, gender and credit history can also determine how much you pay for car insurance. For a more specific overview, you might want to research the average insurance cost in your state.
Company | Annual full coverage premium | Monthly full coverage premium |
---|---|---|
$1,353
|
$113
|
|
$1,467
|
$122
|
|
$1,361
|
$113
|
|
$1,361
|
$113
|
|
$1,480
|
$123
|
|
$1,642
|
$137
|
|
$1,229
|
$102
|
|
$1,551
|
$129
|
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Company | Annual min coverage premium | Monthly min coverage premium |
---|---|---|
$373
|
$31
|
|
$429
|
$36
|
|
$371
|
$31
|
|
$325
|
$27
|
|
$464
|
$39
|
|
$553
|
$46
|
|
$357
|
$30
|
|
$495
|
$41
|
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How to find the best rates on car insurance
Although you can’t control some of the factors that are used to determine the cost of your car insurance, there are a few things you can do to help secure a competitive rate:
- Shop around: Car insurance companies use unique rating algorithms to determine your premium, so you’ll get a different rate with each carrier. You may wind up paying a lower premium if you take a little extra time to compare auto insurance companies.
- Shop early: Shopping up to a month ahead of your renewal date can be helpful, as it allows you time to gather quotes and make a decision. Most companies require at least a month’s down payment, so make sure you account for that in your budget.
- Utilize discounts: Most carriers, from the top auto insurance companies to local agencies, offer their customers a selection of discounts. Exact offerings and eligibility will vary among providers.
- Participate in a telematics program: A telematics device tracks your driving habits. If you drive safely and obey traffic laws, your insurer might reward you with a discount.
- Keep a clean driving record: At-fault accidents and tickets are signs that you may engage in risky driving behaviors and can significantly increase your rates.
- Consider your vehicle: While not the most practical step for everyone, you could consider shopping for a different vehicle if you need to lower your rates drastically.
- Set realistic expectations: Not all drivers will be able to score an amazing deal on their insurance. For example, if you have a DUI conviction on your record, data show that average rates for a full coverage policy increase by 53 percent.
Car insurance industry trends
Between 2022 and 2023, the cost of car insurance increased. Bankrate’s proprietary rate data indicate that the average cost of full coverage car insurance rose from $1,771 per year to $2,014 per year. This is 14 percent more, and rates are expected to continue rising throughout 2023. Insurance rates are reactionary — claims get more expensive, and companies increase premiums in response. This means that while car crashes have decreased in 2023, we’ll likely feel the effects of higher rates for a while.
As premiums continue to rise, it’s important to understand how car insurance costs are affected. The cost of car parts has increased over the past few years due to ongoing shortages and shipping delays. Along with higher labor costs, this makes the overall cost of claims higher. Paired with the amount of car crashes drastically increasing between 2020 and 2022, the result is higher car insurance premiums for policyholders. Finding the best coverage for your needs and budget is crucial. Ensuring you have proper coverage could help reduce the financial risk of being underinsured. Bankrate’s editorial team continues to monitor the insurance industry and speak to industry experts.
Bankrate talked to three experts in the car insurance industry to get their takes on the current environment.
Our industry experts weigh in
Mark Friedlander
Director of corporate communications, Insurance Information Institute
“To remain viable in 2023, auto insurers will have to set premiums at levels appropriate to the risks they cover. Auto premium rates reflect a range of factors related to [the] vehicle, policyholder, location and vehicle use and how these factors contribute to the insurer’s loss experience. We anticipate average U.S. auto rate increases will run in the high single digits in 2023, with several states incurring double-digit increases. As we saw in 2022, multiple increases could be implemented in some states.”
Frequently asked questions
Methodology
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.