Best insurance for young drivers and my recommended companies
There are a lot of factors to consider when looking for the best car insurance. No two providers are indeed exactly alike. If you merely follow the gang when looking for your policy, you'll be disappointed. Some insurers are great at making enticing claims to get you in the door, but often don’t live up to their billing. One way to make sure that your insurance package meets your needs is by fully understanding what you’re getting. If you’re willing to get your hands dirty and do some research, you’re sure to find the data you need to help you make an informed decision.
We examined factors such as customer satisfaction, claims satisfaction, claims settlement and customer complaint scores, as well as the average six-month premium to recommend the best auto insurance company for you. For the simplest auto insurance reviews, we address industry experts, AM Best, J.D. Power, and Associates and The Zebra.
What should you look for when shopping for car insurance?
Shopping for automobile insurance can seem daunting, especially for first-time car buyers. Avoid mistakes and get the most affordable car insurance rate for you by following the National Association of Insurance Commissioners’ shopping tips:
Call or visit the website of your state’s insurance department to find out what type of insurance the law requires. Most states require a minimum of insurance, with minimum coverage levels for bodily injury and property damage.
Read auto insurance carrier reviews and ask friends and relations to recommendation companies and agents.
Request quotes from several companies and punctiliously compare the results. Pay attention to the details, including deductibles, payment options, discounts and included and excluded services.
Narrow down your options, then ask your state’s insurance department to form sure the corporate you select is correctly licensed.
Ask insurance agents about details of the coverage. Will a history of speeding tickets affect your premium? Does the corporate consider credit history to work out rates? Will the coverage protect all drivers in your household? Does the policy cover rental cars once you travel?
Always pay your premium on time, otherwise, your coverage could lapse. Some insurers offer direct withdrawal from your checking account, which can safeguard against lost coverage.
The best car insurance companies
State Farm: State Farm is the best automobile insurance company with a 17% market share and a mean 6-month premium of $779.
Geico: Geico is that the runner-up automobile insurance company with a 13% market share and a mean 6-month premium of $580.
Progressive: Progressive is that the third-best automobile insurance company with an 11% market share and a mean 6-month premium of $771.
Allstate: Allstate is that the fourth-best automobile insurance company with a 9% market share and a mean 6-month premium of $947.
USAA: USAA is that the fifth-best automobile insurance company with a 6% market share and a mean 6-month premium of $444.
The Zebra based its 2019 best auto insurance reviews on an exhaustive 8-year study of quite 400 companies, offering over 60 million automobile insurance rates, in all U.S. zip codes. They also relied on the analysis of J.D. Power and therefore the customer complaint to many the National Association of Insurance Commissioners to compile an inventory of 2019’s most reliable, financially stable and affordable automobile insurance carriers. All that, coupled with the financial ratings of AM Best, will help you dive into the market’s strengths and weaknesses to find a company that has the best products, prices, and services for you.
1. State Farm: Best for those who want an agent
According to The Zebra, State Farm insures about 17% of the cars in the United States. While State Farm policyholders often pay higher premiums than other car owners do, they enjoy the advantages of getting a fanatical agent, something many insurance companies not provide. State Farm customers can choose among coverage packages that travelers often seek like emergency roadside service, expense coverage, and rental car coverage.
State Farm offers a full range of discounts, including:
A good student and student away at school discounts
Multi-vehicle and multi-policy discounts
Defensive driving course, good driving, and safe driver discounts
Passive retrains and anti-theft system discounts
Up to 30% savings using the Drive Safe and Save app
State Farm offers an array of monetary products, including
Driver training, defensive driver training, and good student discounts
Multi-policy and multi-vehicle discounts
Family and length of membership discounts
New vehicle and vehicle in storage discounts
USAA offers most, if not all, the financial products a military family needs, including:
Homeowners, manufactured home, condominium and renter’s insurance
Life, health, dental and vision insurance
Boat, RV, motorcycle and travel trailer insurance
CDs, credit cards, mortgages and auto loans
Checking and savings accounts
Mutual funds, bonds, and IRAs
529 college savings accounts and annuities
6. Amica: Best for overall customer service
Amica has excellent customer service and has consistently high scores in customer satisfaction. In fact, J.D. Power and Associates have ranked its favorite in customer service for the past eleven years. Amica services every state except Hawaii, so likelihood is that you'll find coverage with Amica. the sole drawback is their digital services. they are doing have an app, but it’s rated poorly by consumers, consistent with J.D. Power.
Discounts include:
Loyalty discounts
Multi-line for multiple Amica policies (for example, you'll get a reduction if you insure your car and your home with Amica)
Claim free
Multiple cars
Paid-in-full
Defensive driver course
Student away at college
Homeownership
They also offer a spread of insurance products, including:
Homeowners
Life
Small business
Condo
Renters
7. Esurance: Best for educational online resources
Esurance has the support of Allstate, but consistent with J.D. Power, the corporate has mixed reviews for customer service. the web purchase experience was rated better than average because they create it very easy. consistent with the NAIC, Esurance received more complaints than average for the industry.
Where Esurance stands out most is in online educational resources. a quick check out the web site will supply you with charts to calculate what proportion coverage you ought to have. If you’re really lost, you'll talk with a coverage counselor for advice.
Services they provide include:
Rental automobile insurance
Emergency roadside assistance
Rideshare coverage
They also offer a variety of discounts:
Education
Time at residence
Credit score
Claim free
First policy (5% off)
Good student
On-time payments
Multiple policies
Drive sense app tracks what proportion and the way you drive to qualify for discounts
8. Erie: Best overall
Erie insurance offers excellent customer service, ranking at the highest in both customer satisfaction and claims satisfaction by J.D. Power. What’s the catch? Erie serves just twelve states: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Virginia, West Virginia, Tennessee and Wisconsin, and therefore the District of Columbia. it's headquartered in Erie, Pennsylvania.
Their rates are below the national average also, so if you reside during a state that Erie serves, it’s definitely worth checking them out. they're one among the highest rated companies for auto insurance.
They offer coverage for:
Auto
Motorcycle
Renters
Boat
Condo
Life
Pets
Business
They have a variety of discounts additionally to their reasonable rates, including:
Multiple policies
Safe driving record
Good student
Low usage
Rate lock
9. NJM Auto: Best for residents of latest Jersey and Pennsylvania
NJM offers outstanding customer service and satisfaction, also as rates that are below the national average. J.D. Power awarded them for an “outstanding auto claims experience.” Complaints about NJM are typically less than for other insurance companies. However, NJM only serves New Jersey and Pennsylvania. If you are doing sleep in these states, NJM is worth a glance.
You’ll get many perks together with your NJM auto policy, including:
24/7 roadside assistance
No-fault protection
Collision
Liability
Personal injury protection
They also offer many policy discounts, including:
Good students discounts
Defensive driving discounts
Multiple vehicle discounts
Anti-lock brakes
Anti-theft features
Passive restraints
10. American Family: Best for multi-product discounts
American Family Insurance offers a good range of coverages plus many options for bundling, making American Family an excellent option for those insuring multiple products. it's excellent customer service, although some customers complain that it takes too long to file a claim. American Family
offers many discounts to chop down on your automobile insurance costs
American Family discounts and features:
Multi-policy and multi-vehicle discounts
Accident-free discounts
Defensive driving course discounts
Online policy management
Emergency roadside assistance
Low mileage
Loyalty discounts
Good student discounts
24/7 support
Know Your Drive app that tracks how and where you drive. Customers who check-in for it get an automatic 5% discount.
11. Farmers: Best for comprehensive coverage
Customers of Farmers enjoy a good range of coverage options and bundles. Farmers have easy online policy management and are rated 5th overall for claims satisfaction, consistent with J.D. Power. The customer service ratings vary, earning Farmers only eighteenth place out of twenty-four insurance providers.
Farmers offer many options and add-ons to plain policies.
Discounts and features:
Alternative fuel discounts
Rideshare discounts
24/7 support
Paperless policy discounts
Accident forgiveness
Mobile glass repair
Student discounts
Safe driver discounts
Towing and roadside assistance
12. The Hartford: Best for those 55 and over
The Hartford has above average customer service and claims satisfaction. it's a singular partnership with AARP. Members of the AARP receive discounts and a lifetime renewable policy guarantee. The Hartford also researches topics like safety mobility and independence for people over 55. the superb customer service makes them a solid choice for younger drivers also .
Discounts and features:
Defensive driver discounts
Driver training credit
Anti-theft device discount
Disappearing deductible
Home and auto bundle
Lifetime car repair assurance
Airbags discount
New car replacement
Frequently asked questions what is the best automobile insurance company?
Choosing automobile insurance may be a subjective process. When buying automobile insurance, search for a corporation that's financially strong and capable of providing the simplest coverage, service, and value in your price range.
Do automobile insurance companies offer military discounts?
Some automobile insurance companies offer military discounts and a few don't. USAA caters exclusively to military personnel and their families, offering great automobile insurance rates and a number of monetary products and services.
Which company offers rock bottom auto insurance premiums for teenagers and young adults?
Of the main automobile insurance companies, Geico and USAA offer a number of rock bottom premium rates for young drivers.
Who offers the most cost-effective auto insurance?
Though we found that NJM Insurance offered the most cost-effective average six-month premium, it’s important to recollect that this rate might not apply to you. automobile insurance premiums are determined by a variety of things, which include your age, your location, your driving experience and history alongside a variety of other determinants.
<<<<<<see more