Top car insurance companies offer a variety of discounts to help you save without skimping on the coverage you need. Between 3% and 6% of all insured drivers file property damage claims each year, resulting in more than $50 billion of insurance payouts annually. No one wants to file a claim, but it definitely pays to have the best car insurance when you have to.
To find the best car insurance in the USA for different types of drivers, WalletHub’s editors compared coverage options and rates from local, regional and national auto insurance providers. You can find the top options listed below.
Best Car Insurance Companies
- Catawba Insurance
- Armed Forces Insurance
- NCMIC Insurance Company
- Esurance
- National General Insurance
Ratings for the Best Car Insurance Companies
| Rank | Insurer | BBB Rating |
| 1 | Catawba Insurance | A+ |
| 2 | Armed Forces Insurance | A+ |
| 3 | NCMIC Insurance Company | A+ |
| 4 | Esurance | A- |
| 5 | National General Insurance | A+ |
When it comes to claims, the best auto insurance companies make the process simple and accessible, and resolve things quickly and fairly. That leads to high customer satisfaction ratings. To learn more about the best car insurance in the USA, check out the details below.
Since 1948, Catawba Insurance Agency has built personal relationships with the community. Their mission is to provide quality services to their customers on an on-going basis. In fact, their local commitment is one of the reasons that they still serve some of their original customers. Catawba Insurance Agency represents the finest national and regional insurance markets. To allow freedom of choice, they shop for the best products and prices to suit your individual needs. Their size, the quality of their employees, and the strength of their markets mean that their customers benefit from an outstanding combination of knowledge and personal attention.…show more
Clearcover is a digital car insurance provider offering better coverage for less money. The company's API-first approach enables customers to have great insurance at affordable rates. Founded in 2016, Clearcover is headquartered in Chicago, Illinois.…show more
Esurance is an online insurance company that specializes in selling bundled insurance policies at affordable prices. Founded in 1999, the company – which is known for its easy-to-use website and mobile app, as well as commercials featuring actor Dennis Quaid – has grown to offer auto and property insurance policies to customers in 43 states. Furthermore, following a 2011 acquisition, Esurance is now a wholly owned subsidiary of The Allstate Corporation. The Esurance customer service number is 800-378-7262.…show more
The General is a licensed car insurance agency based in Nashville, Tennessee. It’s a subsidiary of PGC Holdings Corp. (PGC), and it provides insurance coverage in 46 states as well as Washington, D.C. The General does not sell policies in Hawaii, Massachusetts, Michigan or New Jersey. The General is known for offering auto insurance to high-risk drivers at competitive prices, as well as for its television commercials featuring former NBA star Shaquille O’Neal. The company’s car insurance coverage is a popular option for drivers with a history of driving violations or accidents, for example, as well as people who either have not kept their insurance in force or have less-than-perfect credit. The General’s customer service phone number is 844-328-0306.…show more
Town and Country Insurance is a professional independent agency that specializes in multiple lines of insurance including Home, Auto, Business, Group and Individual Health, Senior Products, Farm and Crop Insurance. With close to 50 insurance professionals providing coverage and expertise from locations in Webster City, Eagle Grove, Clarion, Story City, Fort Dodge and Humboldt.…show more
National General Insurance was founded in 1920 and has grown to become one of the largest insurance providers in the country. From its headquarters in Winston-Salem, North Carolina, National General offers auto, homeowners and supplemental health insurance policies, as well as insurance plans for RVs, motorcycles, commercial vehicles and more, to customer all over the country. The National General Insurance customer service phone number is 888-293-5108.…show more
Elephant Insurance is a direct-to-customer insurance company that was founded in 2006 and is based in Richmond, Virginia. Elephant offers a wide range of insurance products, including car insurance, motorcycle insurance, homeowner’s insurance, renters insurance, condo insurance, umbrella insurance, and life insurance. The Elephant Insurance customer service phone number is 855-353-7426.…show more
Direct Auto Insurance is an insurance company based in Nashville, Tennessee that is known for offering auto insurance to high-risk drivers and those who need SR-22 certification. It is a subsidiary of Direct General Group and offers auto insurance, motorcycle insurance, term life insurance, roadside assistance memberships, and vehicle protection plans. Direct Auto Insurance also has a trio of celebrity endorsers: former NFL quarterback Johnny Manziel, former figure skater Tonya Harding and entertainer Fat Joe. The Direct Auto Insurance customer service number is 877-463-4732.…show more
GAINSCO, Inc. is a property and casualty insurance holding company. Through the insurance brand, GAINSCO Auto Insurance, GAINSCO, Inc. concentrates its efforts on the non-standard personal automobile market, specializing in minimum-limits personal auto insurance. GAINSCO was established in 1978 as a Texas corporation and is based in Dallas, with a regional office in Miami. Its insurance operations are conducted through MGA Insurance Company Inc., a Texas corporation.…show more
Farmers Mutual of Nebraska is the largest insurer of farms in both Nebraska and South Dakota, and the leading Nebraska-based insurer of homes, farms, and automobiles in the state. Its financial strength is supported by the A (Excellent) rating from AM Best. This success is a reflection of the confidence Farmers Mutual of Nebraska has earned from its policyholders and the independent professional agents who sell its policies.…show more
Metromile is one of the leading pay-per-mile car insurance companies in the U.S. The company uses a “Pulse” plug-in tracking device to log the number of miles a customer drives, and it uses that data to calculate their premium on a monthly basis. However, Metromile only serves eight states: Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia and Washington. Metromile was founded in 2011, is based out of San Francisco, and was accredited by the Better Business Bureau in 2013. The Metromile customer service number is 888-242-5204.…show more
Root reimagines the services people need so that they serve them better. Using data, technology, and rapid innovation, they create products and experiences that are fair, easy, personal, and affordable. They started by tackling the archaic car insurance industry. Through data and technology, they base rates on how people actually drive. The result is a more fair, more affordable, and much easier experience—thanks to it all being in an app. These same principles allow them to reimagine even more of the everyday services you need, like renters insurance. Seamless, affordable coverage for the things you value most—that’s what they deliver.…show more
Privilege Underwriters Reciprocal Exchange (PURE) is a policyholder-owned insurer dedicated to creating an exceptional experience for responsible high net worth individuals and families. PURE provides best-in-class, customizable coverage throughout the U.S. for high-value homes, automobiles, jewelry, art, personal liability, watercraft and flood. PURE's structure and focus create an alignment of interest with its members to create lasting advantages including tailored coverage to meet members' unique needs, a service experience to make members' lives easier, and savings that are passed down to members by insuring only the most successful and responsible individuals.…show more
For over 70 years, the Farm Bureau Companies have been dedicated to excellent customer service, quality, competitive products and fast friendly claims service in Mississippi. Rated A-Excellent by A.M. Best and having stood the test of time, Farm Bureau offers the strength, security and peace of mind our customers want from their insurance company. Like you, their Companies call Mississippi home. Based in Mississippi, Southern Farm Bureau Casualty and Mississippi Farm Bureau Casualty are the number 2 insurers of Homes and Automobiles in their state with adjusters in every County to provide you with the service you expect when you have a claim. Their local Agents live, work and serve in the community you call home. They understand and care about the things that you care about. They are focused on helping their clients save money and protect what matters most.…show more
State Farm is the largest provider of auto and home insurance policies in the U.S. The company is headquartered in Bloomington, Illinois and has been providing insurance products since 1922. From its beginnings selling single-line auto insurance policies, State Farm has grown to offer nearly 100 types of products and services, including small business insurance options as well as banking and investment services. [chop] State Farm is also an involved community leader, having helped pass several seat belt laws and supporting numerous safety programs/organizations. The company sponsors programs to help people buy homes and make highways/neighborhoods safer, too. The State Farm customer service number is 800-782-8332.…show more
Dairyland was founded in 1953, and it is headquartered in Stevens Point, Wisconsin. From its start, Dairyland has provided insurance policies that cater to the needs of drivers who are unable to get insurance from standard companies because of their poor driving record, a lack of driving history, or a lapse in insurance coverage. Dairyland was acquired by the Sentry Insurance Group in 1966, and it continues to specialize in providing high-risk coverage for cars and motorcycles to this day. The Dairyland customer service number is 800-334-0090.…show more
When Shelter Insurance opened in 1946, its mission was simple: to provide affordable auto insurance to Missourians. Since then it has come a long way. More than 70 years later, Shelter offers protection for your home, life, car, farm, business and more in 18 states. It has more than 1,300 licensed agents providing professional advice to its customers, helping them make insurance choices that work for their needs and budgets. Shelter's friendly, professional way of doing business has transformed it into one of the top regional insurance companies in the country.…show more
Farmers Union Insurance has always been a community-based insurance provider. The relationships and personalized care provided by their agents, who live, work and support their local communities, are the foundation upon which their company is built. At Farmers Union Insurance they value what's important to you and your way of life. Whether you're a driver, homeowner, farmer or business owner, let them show you how they can provide the protection you need.…show more
The Armed Forces Benefit Association (AFBA) was established in 1947 in the basement of the Pentagon with the support of the General of the Army, Dwight D. Eisenhower to ease the strain on military members and their families. At the time, life insurance that would pay a death benefit if the member was killed in combat was not available. Today, AFBA continues to honor its mission, in war and peace, for those who serve this great nation including the military, emergency first responders, government employees and contractors, and their families.…show more
Nationwide Insurance, founded in 1926 as Farm Bureau Mutual, has grown from a small auto insurance company to one of the largest insurance and financial services companies in the world. With headquarters in Columbus, Ohio, Nationwide offers a full range of insurance products to customers across the country, including car, motorcycle, homeowners, pet, farm, life and commercial insurance policies. Annuities, mutual funds, retirement plans, and specialty health services are also available. The Nationwide customer service number is 877-669-6877. Fun Facts: Through the Nationwide Foundation, the company’s private nonprofit corporation, Nationwide has given more than $498 million to nonprofit organizations throughout the U.S. since 2000. Retired NFL quarterback Peyton Manning and country singer Brad Paisley are spokesmen for the company.…show more
Farmers Insurance is one of the oldest auto insurance companies in the U.S., having opened in 1928. It has since grown to become the Farmers Insurance Group of Companies – a multi-line, multi-company insurance and financial services conglomerate serving more than 50 million individual policies across all 50 states. Farmers is based out of Los Angeles – where it started out insuring vehicles for rural farmers, believe it or not. Today, the company is known for advertisements featuring extraordinary insurance claims Farmers has covered over the years, hosted by actor J.K. Simmons. The Farmers Insurance customer service number is 888-327-6335.…show more
Established in 1913, NJM Insurance Group insured generations of customers with outstanding customer service and competitive rates. It is a regional insurer with a national reputation for outstanding customer and claims satisfaction, based entirely on policyholder feedback. Today, NJM insures more than 1 million drivers and nearly 320,000 homes, apartments, and condos. It also offers umbrella insurance, and provides its customers with convenient access to flood, motorcycle, ATV, watercraft, and collector car insurance.…show more
The Hartford Insurance offers a wide variety of insurance options for autos, homes and businesses, as well as mutual funds and resources for making investments. The Hartford is perhaps best known for its AARP Auto Insurance Program, which features coverage options, discounts and other benefits created specifically for drivers aged 50 and older. However, younger customers can purchase insurance policies from The Hartford, too. [chop] Officially known as The Hartford Financial Services Group, Inc., the company was founded in 1810 and is headquartered in Hartford, Connecticut. The Hartford Insurance customer service number is 860-547-5000.…show more
GEICO is the second largest auto insurer in the U.S., insuring more than 28 million vehicles across more than 17 million auto policies. In addition to auto insurance for both personal and commercial use, GEICO offers life insurance, various forms of home insurance, business insurance, flood insurance, jewelry insurance and more. The 24/7 GEICO customer service number is 800-207-7847. GEICO, which is headquartered in Maryland and owned by Warren Buffet’s Berkshire Hathaway, operates in all 50 states and Washington, D.C. [chop] Anyone today can become a customer, but that has not always been the case. GEICO stands for Government Employees Insurance Company because the company’s original target audience was government and military personnel.…show more
Progressive is the third biggest provider of private-passenger auto insurance in the U.S., and it takes the top spot when it comes to commercial auto insurance. In addition to car insurance, which drivers can purchase online, over the phone or from an agent, Progressive offers more than 30 other financial products and types of insurance coverage, including home insurance, boat insurance, life insurance and more. Progressive operates in all 50 states and Washington, D.C. The company was founded in 1937 and is based in Mayfield, Ohio. In addition to competitive rates and helpful customer service, Progressive is known for advertisements featuring Flo, Jamie and other customer-service personas. The Progressive customer service number is 800-776-4737.…show more
Allstate is the largest publicly held personal property/casualty insurance company in the U.S. and was founded in 1931 as part of Sears, Roebuck & Co. Allstate became an independent company in 1995 and now serves more than 16 million households nationwide. Allstate offers car insurance as well as home, property, condo and renters insurance, plus coverage for recreational vehicles like motorcycles, boats and more. If you are interested in getting Allstate insurance or have a question about an existing policy, the Allstate customer service number is 877-810-2920. Fun Facts: Allstate is known for its “You’re In Good Hands With Allstate®” slogan, and actor Dennis Haysbert has been a spokesman (in both English and Spanish) since 2003. Allstate also has a memorable commercial campaign that, since 2010, has featured actor Dean Winters’ “Mayhem” character.…show more
