Jun 16, 2020

4 Car Insurance Companies Everyone Should Consider

Auto insurance may be mandatory in almost every U.S. state, but you can choose the insurance company you carry a policy with. And that choice is important. Car insurance companies differ from one another greatly, and so do the policies they offer. That’s why it’s so important to search online for a car insurance company that meets your needs.

Car insurance companies offer so much more than basic coverage for drivers and their vehicles. They can give you affordable, low prices on policies. And they can help you and support you in the event you need to file a claim. But what sets the best car insurance companies apart from all the rest is budget-friendly pricing combined with great customer service and comprehensive coverage.

If you’re looking for a new car insurance company or simply want to find out which insurers are worth considering, check out the following top options.


  • Best For: New, inexperienced drivers who don’t want to pay high insurance premiums.

    Coverage Offered

    • Liability
    • Collision
    • Comprehensive
    • Personal injury
    • Uninsured motorist
    • GAP insurance
    • Mechanical breakdowns
    • Rideshare insurance
    • Emergency roadside assistance
    • Rental car reimbursement

    Biggest Pros

    • Affordable premium rates.
    • Insures those with at-fault accidents on their records.
    • Excellent, easy-to-use mobile app.
    • Available in all 50 states.

    One of the biggest reasons to consider Geico for your car insurance needs is the company’s willingness to insure most drivers. Geico offers its affordable rates to just about everyone – including drivers with poor credit scores, those with at-fault accidents on their driving records, and newly licensed drivers. And should you need to make a claim with your insurance policy, Geico makes it easy to do so. You can file claims on the insurer’s website or in just minutes with the Geico smartphone app. 

    Geico also offers a wealth of discounts that drivers can easily qualify for. For example, you can get a discount for wearing your seatbelt, being a student, taking driver education courses, being a federal employee, being a member of the military, and having safety features like airbags or anti-lock brakes. 

  • Best For: Drivers who want a more personalized insurance experience with an agent.

    Coverage Offered

    • Liability
    • Collision
    • Comprehensive
    • Personal injury protection and medical payments
    • GAP insurance
    • Uninsured motorist
    • Underinsured motorist
    • Rideshare insurance
    • Emergency roadside assistance
    • Rental car reimbursement

    Biggest Pros

    • All customers have a dedicated insurance agent.
    • It’s easy to qualify for discounts thanks to the wide range offered.
    • Available in all 50 states.
    • Drive Safe and Save app, which tracks driving history and offers special savings.

    State Farm is one of the top names when it comes to car insurance. And this insurer, like many others, built its reputation on its agents who offer personalized service for customers. However, while many companies are going digital, State Farm is sticking to a traditional model. You can connect with a real person who’ll become your agent over the phone, in person at a local branch, or online. And you’ll always have access to them to ask questions and change your coverage.

    Another reason State Farm really shines is its streamlined online experience. With the innovative Drive Safe and Save app, State Farm puts control of your insurance policy right in your hands. You can get a discount for using the app to track your driving history and behavior, and you can also make and manage claims, upload photos, and communicate with State Farm agents right from your smartphone.

  • Best For: Drivers with less-than-perfect credit or driving records.

    Coverage Offered

    • Bodily injury
    • Property damage
    • Collision
    • Comprehensive 
    • Uninsured motorist
    • Personal injury protection
    • Umbrella insurance

    Biggest Pros

    • Easy-to-use mobile app.
    • Excellent suite of online tools.
    • WIde range of discounts available.
    • Available in all 50 states.

    Allstate is a great auto insurance company for those who might struggle to get coverage with other insurers. If you have a less than perfect driving record – or perhaps even a poor or limited driving record – Allstate can cover you. Even more importantly, you can work your way towards cheaper premiums once you’re an Allstate customer. This insurance company will actually pay drivers for every six months without accidents. And your collision deductible will decrease by $100 for each year you drive without a moving violation.

    Whether you’re a high-risk driver or not, Allstate also offers other perks. It’ll cover drivers who work for rideshare companies like Uber and Lyft, and you can even get classic car coverage if you have antique vehicles. If you drive across the U.S.-Mexico border often, you can also choose Mexican travel insurance that’s designed for vehicle border crossings.

  • Best For: Drivers in need of comprehensive coverage or more in-depth coverage.

    Coverage Offered

    • New car replacement coverage
    • Comprehensive
    • Collision
    • Liability
    • Uninsured motorist
    • Underinsured motorist
    • Medical payments
    • Towing and roadside assistance
    • Accident forgiveness
    • Rideshare insurance

    Biggest Pros

    • Ability to easily manage your policy online. 
    • Many available discounts.
    • Easy claims process, which can be done online.

    Farmers Insurance offers a wide range of coverage when it comes to auto insurance. And if you’re searching for an insurance company that offers coverage that’s in-depth and customizable, you can’t beat Farmers. With basic coverage and add-on options, you can create an auto insurance policy that meets your needs in many ways. Farmers creates policies that are flexible and adaptable, meaning you can change your car insurance as your needs change over time.

    When it comes to cost savings and discounts, Farmers offers a host of typical discounts. You can save money on your premium with options like good student discounts, discounts for multiple vehicles, and even discounts for being a defensive driver. Customer service is highly rated, and you’ll have no problem getting ahold of helpful representatives whether you need to file a claim or speak to someone about adjusting your policy.

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