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Best car insurance in Oregon for 2024
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Reviewed by
Edited by
Reviewed by
Powered by Coverage.com (NPN: 19966249)
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 in Oregon
Based on data collected by Quadrant Information Services, drivers in the Beaver State pay an average of $818 for state-mandated minimum coverage and $1,958 for full coverage. However, your insurance quotes are likely to vary based on an assortment of personal factors, including your ZIP code, age, gender, credit-based insurance score and driving history, as well as your car's make, model and age.
We understand that for many drivers, finding the best auto insurance in Oregon is about more than just price. To offer you a holistic overview of the best companies in the state, we looked at third-party scores for customer service from the 2023 J.D. Power Auto Insurance Study and financial strength ratings from AM Best. We also considered each insurance company’s range of coverage options, available discounts and digital tool capabilities. Ultimately, Geico, Progressive, State Farm, USAA and Travelers stood out from the rest.
|
|
|
|
|
|---|---|---|---|
|
4.4
|
$1,586
|
$570
|
|
|
4.4
|
$1,490
|
$677
|
|
|
4.3
|
$2,013
|
$801
|
|
|
4.2
|
$1,578
|
$617
|
|
|
4.2
|
$1,360
|
$552
|
Geico
Best for discounts
4.4
4.4
Avg. full coverage premium
$132/mo
Avg. full coverage premium
$1,586/yr
Customer satisfaction
637/1,000
-
Why Geico made our list: In addition to some of the lowest average rates, Geico has one of the longest lists of discounts in the industry, which may help you offset the cost of your policy. You might save for being a federal employee, a safe driver or a member of certain organizations like alumni groups. Geico also has a highly rated and easy-to-use mobile app for digital policy management. However, keep in mind that the company doesn’t offer certain coverage options, such as gap insurance.
Who Geico may be good for: If you're a young driver with a tight budget or someone who wants to spend as little as possible on your Oregon car insurance, Geico could be a good pick — especially if you qualify for a few of its discounts.
Progressive
Best for drivers with high-risk incidents
4.4
4.4
Avg. full coverage premium
$124/mo
Avg. full coverage premium
$1,490/yr
Customer satisfaction
607/1,000
-
Why Progressive made our list: Progressive earned a high Bankrate Score for its customizable policies and highly rated mobile app. It has an extensive list of potential discounts, including homeowner, automatic payments and the Snapshot telematics program. However, Progressive came in slightly below the segment average in the J.D. Power auto insurance study.
Who Progressive may be good for: Progressive may be more willing than some other carriers to extend coverage to individuals with a blemish or two on their driving record. While there's no way to know if you're eligible for coverage without requesting a quote, if you have a speeding ticket or accident on your record, it may be worth looking into.
State Farm
Best for local offices
4.3
4.3
Avg. full coverage premium
$168/mo
Avg. full coverage premium
$2,013/yr
Customer satisfaction
656/1,000
-
Why State Farm made our list: As the largest car insurance provider in the U.S., State Farm is a popular choice for Oregon drivers seeking a standard variety of discounts and endorsements. State Farm stands out for its two safe driving programs: Drive Safe & Save for adults and Steer Clear for drivers under 25. However, the carrier does not offer gap insurance and accident forgiveness coverage must be earned. That being said, State Farm has plenty of local agents, so you can work with an agent face to face if you have more questions.
Who State Farm may be good for: State Farm could be a great option for drivers seeking in-person service from a local agent.
USAA
Best for military-focused coverage
4.2
4.2
Avg. full coverage premium
$132/mo
Avg. full coverage premium
$1,578/yr
Customer satisfaction
743/1,000
-
Why USAA made our list: Year after year, USAA consistently receives high scores from J.D. Power for customer satisfaction. Its average full coverage premium is lower than Oregon’s average, and policyholders may earn discounts for being a good student, insuring a new car or garaging their vehicle on a military base. However, take note that USAA only sells insurance to current military members, veterans and their immediate family members, so you may not be eligible for coverage.
Who USAA may be good for: If you are stationed at Camp Rilea, Umatilla or any Oregon military installation, USAA may be a good fit for you. It may also be worth considering if a member of your immediate family is either an active-duty military member or a veteran.
Travelers
Best for policy customization
4.2
4.2
Avg. full coverage premium
$113/mo
Avg. full coverage premium
$1,360/yr
Customer satisfaction
592/1,000
-
Why Travelers made our list: Travelers has competitive average rates and stands out for its unique insurance endorsements. Potential add-ons include rental coverage, new car replacement and gap insurance. The company's discount list is extensive, including some easy-to-earn discounts such as continuous insurance and paperless billing, as well as some more uncommon options like hybrid and electric car discounts. Unfortunately, Travelers is not ranked by J.D. Power for customer satisfaction in the Northwest region, and it came in below average in the 2023 U.S. Auto Claims Satisfaction Study.
Who Travelers may be good for: Travelers policies may be a good choice for drivers looking to customize their policies with endorsements beyond standard coverage options. The carrier may also appeal to drivers of electric and hybrid cars as it offers a potential discount for eco-friendly vehicles.
How Bankrate chose the best car insurance companies in Oregon
Bankrate chose the best car insurance in Oregon through an extensive process that began by comparing average rates collected by Quadrant Information Services. The insurance editorial team assessed each company based on their coverage options, discounts and digital tool availability. Third-party customer satisfaction rankings from J.D. Power and financial strength ratings from AM Best and Standard & Poor's were also considered. After assessing all data, each company was given a Bankrate Score.
The better a carrier performed in each category, the higher its overall Bankrate Score for a total score of 5.0 out of 5.0 points. This brief overview of each carrier could be useful during your research, and may help you more effectively compare insurers.
Why you can trust Bankrate
Read our full methodologyTo help Oregon drivers find the best car insurance, 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.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in Oregon
The best car insurance for you will depend on your needs and preferences. The following steps may help you nail down what considerations to make before choosing a provider.
Related content:
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Answer a few questions to see personalized rates from top carriers in Oregon
Powered by Coverage.com (NPN: 19966249)
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 much is car insurance in Oregon?
The average cost of car insurance in Oregon is $1,958 per year for full coverage. This is quite a bit less than the national average full coverage premium of $2,388 per year. Minimum coverage car insurance in Oregon averages $818 annually, which is slightly more expensive than the national average of $664. Compared to nearby states, Oregon’s average full coverage car insurance rates are cheaper than California, which averages $2,810 per year, but more expensive than Washington, which is $1,713 per year.
Full coverage car insurance rates in Oregon could be less expensive than the national average for a few reasons. Oregon has a relatively low population density, which could contribute to less crowded roadways. The state also does not have particularly high crime rates and is home to average highway infrastructure conditions.
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But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Monroe | $1,747 | -11% |
| Oakland | $1,767 | -10% |
| Walterville | $1,810 | -8% |
| Wolf Creek | $1,796 | -9% |
| Yachats | $1,828 | -7% |
| Elmira | $1,787 | -9% |
| Junction City | $1,766 | -10% |
| Langlois | $1,791 | -9% |
| North Bend | $1,740 | -12% |
| Sixes | $1,759 | -11% |
| Cave Junction | $1,838 | -6% |
| Williams | $1,854 | -5% |
| Kimberly | $1,732 | -12% |
| Oxbow | $1,701 | -14% |
| Adrian | $1,716 | -13% |
| Westfall | $1,700 | -14% |
| Buxton | $1,933 | -1% |
| Cannon Beach | $1,872 | -5% |
| Hillsboro | $1,971 | +1% |
| Lafayette | $1,981 | +1% |
| Mcminnville | $1,928 | -2% |
| Portland | $2,165 | +10% |
| Ashland | $1,741 | -12% |
| Phoenix | $1,697 | -14% |
| Klamath Falls | $1,823 | -7% |
| Dairy | $1,884 | -4% |
| Merrill | $1,851 | -6% |
| Paulina | $1,720 | -13% |
| Warm Springs | $1,920 | -2% |
| Fossil | $1,818 | -7% |
| Imnaha | $1,744 | -12% |
| Milton Freewater | $1,747 | -11% |
| Richland | $1,728 | -12% |
| Union | $1,729 | -12% |
| Deadwood | $1,830 | -7% |
| Dorena | $1,756 | -11% |
| Drain | $1,776 | -10% |
| Florence | $1,738 | -12% |
| Lorane | $1,840 | -6% |
| Lowell | $1,777 | -10% |
| Roseburg | $1,734 | -12% |
| New Pine Creek | $1,800 | -8% |
| Paisley | $1,807 | -8% |
| Fort Rock | $1,785 | -9% |
| Sisters | $1,826 | -7% |
| Condon | $1,818 | -7% |
| Enterprise | $1,763 | -10% |
| Hermiston | $1,701 | -14% |
| Stanfield | $1,722 | -13% |
| Newberg | $1,943 | -1% |
| Sherwood | $1,915 | -2% |
| Timber | $1,950 | -0% |
| Salem | $1,968 | +1% |
| Crabtree | $1,829 | -7% |
| Midland | $1,814 | -8% |
| Brothers | $1,755 | -11% |
| Hines | $1,744 | -12% |
| La Pine | $1,784 | -9% |
| Powell Butte | $1,763 | -10% |
| Riley | $1,706 | -14% |
| Arlington | $1,758 | -11% |
| Athena | $1,753 | -11% |
| Baker City | $1,672 | -16% |
| Halfway | $1,737 | -12% |
| Wallowa | $1,772 | -10% |
| Malin | $1,839 | -6% |
| Gales Creek | $1,943 | -1% |
| Hammond | $1,843 | -6% |
| Manzanita | $1,862 | -5% |
| North Plains | $1,987 | +1% |
| Myrtle Creek | $1,756 | -11% |
| Ophir | $1,780 | -10% |
| Powers | $1,812 | -8% |
| Reedsport | $1,759 | -11% |
| Springfield | $1,713 | -13% |
| Westlake | $1,806 | -8% |
| Winston | $1,731 | -12% |
| Beaverton | $2,048 | +5% |
| Hubbard | $1,985 | +1% |
| Rufus | $1,829 | -7% |
| Welches | $2,072 | +6% |
| Aumsville | $1,875 | -4% |
| Foster | $1,782 | -9% |
| Lincoln City | $1,851 | -6% |
| Allegany | $1,787 | -9% |
| Astoria | $1,816 | -7% |
| Nehalem | $1,866 | -5% |
| Pacific City | $1,915 | -2% |
| Saint Paul | $1,965 | +0% |
| Tillamook | $1,911 | -2% |
| Warrenton | $1,830 | -7% |
| Bay City | $1,893 | -3% |
| Clackamas | $2,160 | +10% |
| Estacada | $2,163 | +10% |
| Mosier | $1,836 | -6% |
| Oregon City | $2,086 | +6% |
| Wasco | $1,839 | -6% |
| Gresham | $2,357 | +19% |
| Arch Cape | $1,890 | -4% |
| Carlton | $1,961 | +0% |
| Wheeler | $1,877 | -4% |
| Banks | $1,915 | -2% |
| Dayton | $1,957 | -0% |
| Gaston | $1,995 | +2% |
| Tolovana Park | $1,893 | -3% |
| Fort Klamath | $1,878 | -4% |
| Lakeview | $1,788 | -9% |
| Sprague River | $1,875 | -4% |
| Summer Lake | $1,799 | -8% |
| Bend | $1,747 | -11% |
| Culver | $1,823 | -7% |
| Pendleton | $1,708 | -14% |
| Canyon City | $1,770 | -10% |
| Ione | $1,795 | -9% |
| Irrigon | $1,738 | -12% |
| Mount Vernon | $1,768 | -10% |
| Pilot Rock | $1,758 | -11% |
| Seneca | $1,775 | -10% |
| Spray | $1,792 | -9% |
| Chemult | $1,833 | -7% |
| Lexington | $1,790 | -9% |
| Monument | $1,817 | -7% |
| Ukiah | $1,747 | -11% |
| Idanha | $1,883 | -4% |
| Jefferson | $1,837 | -6% |
| Sheridan | $1,902 | -3% |
| Tangent | $1,703 | -14% |
| Broadbent | $1,815 | -8% |
| Cheshire | $1,794 | -9% |
| Days Creek | $1,777 | -10% |
| Dillard | $1,804 | -8% |
| Cottage Grove | $1,700 | -14% |
| Wedderburn | $1,784 | -9% |
| Medford | $1,690 | -15% |
| Beavercreek | $2,123 | +8% |
| Canby | $1,966 | +0% |
| Maupin | $1,881 | -4% |
| Tualatin | $1,951 | -0% |
| Woodburn | $1,995 | +2% |
| Gates | $1,898 | -3% |
| Rickreall | $1,885 | -4% |
| Scotts Mills | $1,998 | +2% |
| Turner | $1,876 | -4% |
| Eugene | $1,718 | -13% |
| Cloverdale | $1,919 | -2% |
| Cornelius | $1,997 | +2% |
| Oceanside | $1,911 | -2% |
| Yamhill | $1,946 | -1% |
| Silver Lake | $1,815 | -8% |
| Burns | $1,740 | -12% |
| Frenchglen | $1,691 | -15% |
| Boardman | $1,708 | -14% |
| Haines | $1,715 | -13% |
| Helix | $1,774 | -10% |
| Keno | $1,876 | -4% |
| Camp Sherman | $1,834 | -7% |
| Prineville | $1,759 | -11% |
| Terrebonne | $1,788 | -9% |
| Umatilla | $1,720 | -13% |
| Aurora | $1,959 | +0% |
| Colton | $2,136 | +9% |
| Gervais | $1,983 | +1% |
| Hood River | $1,756 | -11% |
| Rhododendron | $2,082 | +6% |
| Warren | $1,874 | -4% |
| Shaniko | $1,848 | -6% |
| West Linn | $1,972 | +1% |
| Damascus | $2,189 | +11% |
| Ashwood | $1,771 | -10% |
| Crane | $1,666 | -16% |
| Bates | $1,743 | -12% |
| Bridgeport | $1,710 | -13% |
| Echo | $1,727 | -13% |
| Joseph | $1,767 | -10% |
| La Grande | $1,681 | -15% |
| Lostine | $1,762 | -11% |
| North Powder | $1,713 | -13% |
| Unity | $1,729 | -12% |
| Jordan Valley | $1,751 | -11% |
| Diamond | $1,700 | -14% |
| Gilchrist | $1,798 | -9% |
| Madras | $1,806 | -8% |
| Post | $1,730 | -12% |
| John Day | $1,754 | -11% |
| Chiloquin | $1,876 | -4% |
| Lyons | $1,858 | -5% |
| Mill City | $1,885 | -4% |
| Shedd | $1,719 | -13% |
| Toledo | $1,836 | -6% |
| Blue River | $1,839 | -6% |
| Coos Bay | $1,753 | -11% |
| Crawfordsville | $1,802 | -8% |
| Dallas | $1,842 | -6% |
| Monmouth | $1,839 | -6% |
| Seal Rock | $1,823 | -7% |
| Brookings | $1,742 | -12% |
| Gold Beach | $1,723 | -13% |
| Jacksonville | $1,757 | -11% |
| Trail | $1,849 | -6% |
| Donald | $1,993 | +2% |
| Kent | $1,797 | -9% |
| Rainier | $1,899 | -3% |
| The Dalles | $1,830 | -7% |
| Vernonia | $1,935 | -1% |
| Fields | $1,694 | -14% |
| Princeton | $1,692 | -15% |
| Mitchell | $1,793 | -9% |
| Dayville | $1,776 | -10% |
| Hereford | $1,721 | -13% |
| Imbler | $1,732 | -12% |
| Mapleton | $1,796 | -9% |
| Tenmile | $1,744 | -12% |
| Umpqua | $1,820 | -7% |
| Vida | $1,829 | -7% |
| Walton | $1,771 | -10% |
| Westfir | $1,806 | -8% |
| Shady Cove | $1,803 | -8% |
| Bly | $1,865 | -5% |
| Bonanza | $1,875 | -4% |
| Riverside | $1,748 | -11% |
| Corvallis | $1,681 | -15% |
| Scio | $1,832 | -7% |
| Alvadore | $1,765 | -10% |
| Azalea | $1,807 | -8% |
| Bandon | $1,757 | -11% |
| Camas Valley | $1,797 | -9% |
| Harrisburg | $1,760 | -11% |
| Noti | $1,878 | -4% |
| White City | $1,731 | -12% |
| Grants Pass | $1,693 | -14% |
| Vale | $1,711 | -13% |
| Durkee | $1,704 | -14% |
| Harper | $1,707 | -14% |
| Ironside | $1,700 | -14% |
| Ontario | $1,690 | -15% |
| Clatskanie | $1,875 | -4% |
| Sandy | $2,182 | +11% |
| Wilsonville | $1,946 | -1% |
| Boring | $2,149 | +9% |
| Grass Valley | $1,862 | -5% |
| Lake Oswego | $1,980 | +1% |
| Dufur | $1,871 | -5% |
| Moro | $1,803 | -8% |
| Saint Helens | $1,888 | -4% |
| Tygh Valley | $1,883 | -4% |
| Scappoose | $1,889 | -4% |
| Amity | $1,933 | -1% |
| Sublimity | $1,879 | -4% |
| Gleneden Beach | $1,897 | -3% |
| Garibaldi | $1,886 | -4% |
| Seaside | $1,868 | -5% |
| Grand Ronde | $1,867 | -5% |
| Logsden | $1,875 | -4% |
| Otter Rock | $1,810 | -8% |
| Stayton | $1,826 | -7% |
| Waldport | $1,828 | -7% |
| Canyonville | $1,784 | -9% |
| Cascadia | $1,785 | -9% |
| Detroit | $1,904 | -3% |
| Independence | $1,874 | -4% |
| South Beach | $1,819 | -7% |
| Philomath | $1,722 | -13% |
| Saint Benedict | $1,985 | +1% |
| Neskowin | $1,891 | -3% |
| Brightwood | $2,082 | +6% |
| Eagle Creek | $2,173 | +10% |
| Troutdale | $2,279 | +15% |
| Albany | $1,704 | -14% |
| Eddyville | $1,839 | -6% |
| Neotsu | $1,867 | -5% |
| Tidewater | $1,872 | -4% |
| Plush | $1,789 | -9% |
| Adams | $1,769 | -10% |
| Elgin | $1,754 | -11% |
| Mikkalo | $1,773 | -10% |
| Summerville | $1,755 | -11% |
| Sumpter | $1,756 | -11% |
| Dundee | $1,956 | -0% |
| Manning | $1,921 | -2% |
| Cascade Locks | $1,903 | -3% |
| Corbett | $2,179 | +11% |
| Fairview | $2,336 | +18% |
| Government Camp | $2,039 | +4% |
| Molalla | $2,094 | +7% |
| Alsea | $1,840 | -6% |
| Blodgett | $1,816 | -7% |
| Depoe Bay | $1,852 | -6% |
| Falls City | $1,913 | -2% |
| Halsey | $1,720 | -13% |
| Lebanon | $1,732 | -12% |
| Otis | $1,891 | -3% |
| Siletz | $1,860 | -5% |
| Willamina | $1,888 | -4% |
| Coquille | $1,738 | -12% |
| Beaver | $1,909 | -3% |
| Forest Grove | $1,952 | -0% |
| Rockaway Beach | $1,881 | -4% |
| Prairie City | $1,736 | -12% |
| Sutherlin | $1,739 | -12% |
| Swisshome | $1,786 | -9% |
| Tiller | $1,843 | -6% |
| Winchester | $1,738 | -12% |
| Yoncalla | $1,753 | -11% |
| Adel | $1,741 | -12% |
| Elkton | $1,825 | -7% |
| Glendale | $1,800 | -8% |
| Myrtle Point | $1,796 | -9% |
| Veneta | $1,794 | -9% |
| Central Point | $1,668 | -16% |
| Eagle Point | $1,741 | -12% |
| Gold Hill | $1,727 | -13% |
| Kerby | $1,794 | -9% |
| Selma | $1,816 | -7% |
| Merlin | $1,770 | -10% |
| Murphy | $1,784 | -9% |
| Prospect | $1,873 | -4% |
| Lakeside | $1,743 | -12% |
| Riddle | $1,794 | -9% |
| Wilbur | $1,758 | -11% |
| Butte Falls | $1,856 | -5% |
| Drewsey | $1,701 | -14% |
| Arock | $1,785 | -9% |
| Brogan | $1,712 | -13% |
| Christmas Valley | $1,848 | -6% |
| Crescent | $1,838 | -6% |
| Redmond | $1,742 | -12% |
| Cove | $1,733 | -12% |
| Heppner | $1,804 | -8% |
| Long Creek | $1,789 | -9% |
| Meacham | $1,757 | -11% |
| Antelope | $1,830 | -7% |
| Columbia City | $1,924 | -2% |
| Marylhurst | $2,040 | +4% |
| Deer Island | $1,932 | -1% |
| Creswell | $1,731 | -12% |
| Weston | $1,787 | -9% |
| Jamieson | $1,695 | -14% |
| O Brien | $1,867 | -5% |
| Wilderville | $1,828 | -7% |
| Beatty | $1,862 | -5% |
| Huntington | $1,713 | -13% |
| Juntura | $1,729 | -12% |
| Oakridge | $1,764 | -10% |
| Scottsburg | $1,826 | -7% |
| Rogue River | $1,763 | -10% |
| Talent | $1,707 | -14% |
| Crater Lake | $1,863 | -5% |
| Bridal Veil | $2,175 | +10% |
| Gladstone | $2,090 | +7% |
| Mount Hood Parkdale | $1,853 | -5% |
| Mulino | $2,101 | +7% |
| Nyssa | $1,696 | -14% |
| Hebo | $1,930 | -1% |
| Dexter | $1,755 | -11% |
| Glide | $1,826 | -7% |
| Marcola | $1,790 | -9% |
| Pleasant Hill | $1,721 | -13% |
| Port Orford | $1,738 | -12% |
| Mount Angel | $1,963 | +0% |
| Newport | $1,806 | -8% |
| Mehama | $1,865 | -5% |
| Blachly | $1,802 | -8% |
| Happy Valley | $2,274 | +15% |
| Brownsville | $1,746 | -11% |
| Silverton | $1,915 | -2% |
| Sweet Home | $1,777 | -10% |
| Agness | $1,754 | -11% |
| Fall Creek | $1,786 | -9% |
| Gardiner | $1,761 | -11% |
| Idleyld Park | $1,828 | -7% |
Estimate your car insurance cost in Oregon
As we’ve discussed, everything from your age to your driving history can affect your car insurance cost in Oregon. So, instead of just talking about it objectively, let’s crunch some numbers. By inputting some data about your profile, our Bankrate car insurance calculator will give you an estimate for your monthly car insurance costs.
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Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500These are sample rates and should only be used for comparative purposes.
Bankrate Scores
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average 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, Demotech 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.