What are the top three auto insurance companies?
USAA, Esurance, and Erie insurance are the top 3 auto insurance companies according to JD Powers's annual auto insurance study.
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UPDATED: Apr 29, 2022
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- Amica Mutual Auto Insurance is one of the oldest insurance companies in the United States
- USAA Auto Insurance Company provides auto insurance to military families
- State Farm Insurance Company is one of the largest insurance companies in the United States
Auto insurance provides you with financial protection if you are involved in an auto accident.
If you are looking for the best auto insurance, choosing a top auto insurance company for coverage can be the difference between an easy claim that is processed quickly and a claim that can take months to settle.
Rating systems make the job of choosing an auto insurance company a more informed process that you can do with confidence.
Being able to do a cheap auto insurance comparison is also a good way to make sure you are getting the best rates on the coverage you’re looking for.
Websites make comparison shopping quicker and easier than ever before and give you real information from insurers so that you can not only find the top three auto insurance companies but also find which ones are the top three picks for you.
Enter your ZIP code into our FREE online auto insurance comparison tool to compare rates for you right now!
Amica Mutual Auto Insurance
Amica Mutual Auto Insurance is one of the oldest insurance companies in the United States.
They are rated A+ by the Better Business Bureau and receive consistently high customer satisfaction ratings from JD Powers and Associates.
In addition to auto insurance, they also offer homeowners insurance and life insurance.
Amica offers auto liability insurance, which provides coverage for you if you are involved in an accident and are found to be responsible for the accident.
Auto liability insurance applies to repairs to the other driver’s car and medical expenses associated with the accident. It does not provide coverage for repairs to your car or for medical expenses for injuries you or your passengers experience.
Amica offers comprehensive coverage and is also one of the companies that offer cheap PIP auto insurance coverage.
Comprehensive auto insurance coverage provides you with protection if your car is damaged by hail, floods, fire or by hitting an animal.
Additionally, it provides you with coverage if your car is vandalized or stolen.
Personal injury protection works in conjunction with auto liability insurance. It provides additional coverage for medical expenses for you, your passengers and others involved in an accident.
Additionally, it can pay for expenses associated with rehabilitation services, lost wages, and legal expenses.
Personal injury protection coverage, also known as no-fault auto insurance coverage is mandatory auto insurance coverage in some states.
Amica also provides discounts for good drivers and offers identity monitoring services, coverage for glass repairs and premium rental car coverage and concierge services.
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USAA Auto Insurance Company
USAA Auto Insurance Company provides auto insurance to military families.
They are provided with the highest ratings available from the five insurance rating organizations including:
- AM Best
- Standard & Poor’s
- Fitch Ratings
They consistently receive the highest customer service satisfaction ratings possible from JD Powers and Associates.
USAA also offers:
- Home and property insurance
- Recreational vehicle insurance
- Life insurance
- Health insurance
- Medi-Care insurance
- Long-term care insurance
- Retirement planning
USAA provides liability auto insurance, comprehensive car insurance, and collision coverage.
Additionally, they also offer uninsured/underinsured bodily injury and property damage insurance coverage.
Uninsured/underinsured coverage provides you with protection if you are involved in an accident with someone who either does not have auto insurance coverage or does not have adequate car insurance coverage.
Additionally, USAA provides roadside assistance, rental reimbursement, and an accident forgiveness program.
Roadside assistance can be used if you are stranded and you need help. It can also be used if you are locked out of your car or run out of gas or need a tow.
State Farm Insurance Company
State Farm Insurance Company is one of the largest insurance companies in the United States. State Farm consistently receives high customer satisfaction rates from JD Powers and Associates.
They are given a rating of B+ by the Better Business Bureau.
State Farm operates largely through independent insurance brokers and agents who work with customers at a local level nationwide.
In addition to auto insurance, they also offer the following:
- Homeowners insurance
- Rental insurance
- Condo insurance
- Motorcycle insurance
- Life insurance
State Farm offers property and bodily injury liability car insurance.
Although most states require a minimum amount of liability car insurance to drive legally and insure your car, it is recommended that you purchase additional liability insurance for better protection.
State Farm offers multiple levels of liability insurance coverage at several deductible levels to provide you with the best insurance premium rates possible.
State Farm also offers personal injury protection (PIP) coverage, comprehensive, collision, uninsured/underinsured motorist coverage and medical payment coverage.
Medical payment coverage provides additional protection for medical and funeral expenses related to an auto accident.
State Farm also provides rental reimbursement benefits if you are unable to drive your car because it is damaged in an accident. Reimbursement levels are limited to your policy provisions and vary from state to state.
Emergency road service benefits are also available through State Farm.
Emergency roadside assistance can assist you with expenses if your car needs to be towed or you need other help, such as getting your keys out of a locked car.
State Farm also offers a wide variety of discounts to their members. Discounts are often combined to lower auto insurance premium rates up to 40 percent in some cases.
- Multiple car discounts
- Multiple policy discounts
- Good driver discounts
- Good student discounts
- Vehicle safety discounts
- Defensive driver training discounts
- Anti-theft device discounts
- Accident-free discounts
Since insurance needs change over time, you should evaluate your insurance needs each time your auto insurance policy comes up for renewal and comparison shop to decide if you are getting the best rates possible.
When choosing auto insurance, it is important to comparison shop before making a purchase decision.
You can comparison shop by visiting an online insurance comparison website, visiting our auto insurance company website, or talking to a local independent insurance broker or agent.
Enter your ZIP code into our FREE auto insurance comparison tool to get the best rates possible for your desired level of coverage.