Not all car insurance companies are created equal. We surveyed more than 10,000 drivers to learn more about their car insurance experience, focusing on key areas like customer service, claims handling, and customer loyalty. Using that data, we rated the best car insurance companies of 2022 to help you find the best one.
What Is the Best Car Insurance Company?
According to our 2022 data, the best car insurance company is USAA, but its insurance products are only available to members of the military community. If that doesn’t apply to you, the next best option is State Farm, which holds the No. 2 spot in our analysis.
To determine the best car insurance companies, we analyzed rates data as well as feedback from policyholders, with specific attention to customer service, claims handling, customer loyalty, and policy renewal. We also asked survey participants how likely they were to recommend their existing insurer to a driver shopping for a new policy.
If you’re looking for auto insurance, this list can help you compare insurers based on the factors that matter most to you. Though USAA and State Farm lead the pack, you may find a better fit with one of the other eight companies in our rating. As such, it’s a good idea to compare several insurers and their rates before you purchase or renew your policy.
USAA:
USAA is the best insurance agency in our appraisals. As indicated by our 2022 study, USAA clients report the most significant level of consumer loyalty and are probably going to recharge their strategies and prescribe USAA to different drivers. USAA additionally has the least rates in our review, beating the public normal by 35%.
USAA insurance items, including auto, mortgage holders, and leaseholders contracts, are simply accessible to individuals from the tactical local area. Thusly, not all drivers will be qualified for inclusion through this backup plan.
State Farm:
State Farm is second in our examination, with better than expected scores in each subrating class. State Farm additionally has serious rates, procuring the No. 3 spot in our Cheapest Car Insurance Companies of 2022 rating. Its solid scores and low expenses make it the best backup plan for drivers who aren’t qualified for USAA participation.
Farmers:
Farmers get solid scores for client support and claims taking care, assisting it with tieing for the No. 3 spot this year. It additionally asserts the No. 3 spot in two of our subtracting classes, Customer Service and Claims Handling, and has better than expected scores in our Customer Loyalty and Most Likely to be Recommended classifications. Nonetheless, Farmers has higher-than-normal rates and below the norm scores in our Most Likely to be Renewed class.
Nationwide:
Cross country climbed two spots since our 2021 investigation, tying for the No. 3 spot. Cross country has the second-most noteworthy scores in our Customer Loyalty and Most Likely to be Recommended sub ratings or more normal scores in every one of the other subrating classes. Cross country likewise has sub-optimal rates for certain drivers, particularly those with a decent driving record or unfortunate credit.
Geico:
Geico took the No. 3 rating last year and barely ties for that equivalent spot in our 2022 examination. Its situation in the current year’s evaluation is probably a result of its higher-than-normal client support score. Geico has normal scores in other key classes, including Customer Loyalty and Most Likely to be Renewed. Its cases dealing with scores plunge somewhat sub-optimal, yet Geico’s rates, which are the second-most reduced in our review, may make it an extraordinary choice for drivers searching for reasonable inclusion.
Allstate:
Allstate climbed three spots this year, moving from No. 9 to No. 6. It has somewhat less than ideal scores for the greater part of our sub ratings, however, that didn’t prevent it from taking the No. 4 spot in our Most Likely to be Recommended subrating class. Contrasted with different backup plans in our examination, Allstate’s rates are probably the most elevated, yet a few drivers, similar to those with a speeding infringement, may view Allstate’s rates as fairly cutthroat.
Travelers:
Voyagers likewise had some vertical development this year, climbing two spots and tying for the No. 6 position. Travelers‘ client support score is lower than seven different backup plans in our examination, yet it takes the No. 1 spot in our Claims Handling subrating classification and the No. 3 spot for Most Likely to Be Renewed classification. Voyagers likewise get a better than expected score for strategy reestablishment and offer charges that are normally below the public normal.
Progressive:
Progressive takes the No. 8 spot in our examination. By and large, clients are for the most part happy no sweat of opening a strategy, yet Progressive places rearward in our Best for Customer Loyalty classification and has less than ideal scores in each other subtracting in our overview. Moderate clients likewise report being more averse to recharging their approach or prescribing the safety net provider to different drivers. Be that as it may, people with a DUI might have the option to open reserve funds with Progressive. Its rates for those drivers are among the least in our review.
AAA:
AAA is new to our Best Car Insurance Companies rating, and it attaches with Progressive for the No. 8 spot. Its scores are sub-optimal in every class we examined. It does, in any case, take the No. 6 spot in our Most Likely to be Renewed subtracting, beating Allstate, Farmers, Progressive, and American Family. AAA likewise has the most elevated normal expenses in our review, yet drivers considering AAA ought to get a statement to decide whether their singular rate is more cutthroat.
American Family:
American Family dropped four spots this year and positions No. 10 in our examination. Its scores are the least in most subrating classifications, however, American Family has a somewhat higher score than Progressive in our Best for Customer Loyalty class. Notwithstanding low scores, American Family offers serious rates for certain drivers, particularly young drivers, drivers with unfortunate acknowledge, and drivers with a mishap or DUI on their record.