Best Car Insurance Companies Near Me

Car Insurance in California

• National General
• The General
• Direct Auto

California has some of the country’s strictest laws on what factors insurers are allowed to consider when calculating premiums. But California drivers can still find affordable coverage by comparing quotes from companies like National General, The General, and Direct Auto.
 

Car Insurance in Texas

• National General
• The General
• GAINSCO

Finding a reliable car insurance company is important for Texas drivers, since a car accident occurs every 58 seconds in the state. No matter if you live in Houston or San Antonio, it’s a good idea to shop around for quotes and evaluate a company’s customer service record before purchasing your policy.
 

Car Insurance in Florida

• National General
• The General
• GAINSCO

Florida is a no-fault state for car insurance, which means that if you’re injured in a car accident, you need to file a claim with your own insurer, regardless of who was responsible. As a result, it’s especially important to choose a good insurance company if you live in Florida, since you might end up interacting with their claims department for your own medical bills.
 

Car Insurance in New York

• National General
• The General
• PURE Insurance Company

New York is one of the most expensive states for car insurance, so it’s well worth shopping around to find the best insurer for your budget. Be sure to get quotes from multiple companies, using WalletHub’s list of the best car insurance companies in New York as a starting point. 
 

Car Insurance in Pennsylvania

• National General
• The General
• Direct Auto

Car insurance premiums are expensive in Pennsylvania, due in part to the state’s population density and its choice no-fault system for injury claims. But Pennsylvania drivers can save up to $2,500 just by shopping around for quotes, and it’s also worth taking advantage of discounts.
 

The five states listed above are the largest by population, but for the full list of best companies nearby in your state, see the table below. 

 

Tips for Finding the Best Car Insurance

 

1. Determine your coverage needs. Decide what types of coverage you need, such as liability insurance and personal injury protection (PIP), based on your assets and your state’s minimum coverage requirements. Ideally, you should have a liability coverage limit equal to your net worth in order to protect your assets and prevent lawsuits. If your car is financed, you may also be required to carry collision and comprehensive insurance by your lender or lessor.
2. Compare quotes from multiple insurers. Shop around and compare quotes from different insurance companies to see what they offer and how their prices compare. For example, you might want to compare a mix of national insurers, regional companies that operate in your area, and car insurance companies with offices near you. You can use an online comparison tool or contact insurers directly to request quotes.
3. Consider each insurance company’s reputation. Research the reputation of each insurance company you’re considering, including their financial stability and customer service record. Read online reviews and ask for recommendations from friends, family members, and colleagues.
4. Evaluate policy details. When comparing options, carefully review policy details such as the deductibles, your coverage limits and any exclusions, and make sure they meet your needs and fit your budget.
5. Ask about discounts. Ask each insurance company if they offer any discounts you may be eligible for, such as a good driver discount or a multi-policy discount.
6. Make a decision. After comparing quotes and reviewing policy details, choose the car insurance policy that provides the coverage you need at a price you can afford. Choose how you would like to pay your premium and how often you would like to renew your policy. You may be able to pay monthly, every six months or annually. Policies typically come up for renewal after six months or 12 months. 

 

Learn More About the Best Car Insurance Companies by State