Personal Injury Protection (PIP) insurance covers medical expenses when a car accident results in injuries to you, other drivers listed on your policy, members of your household and your passengers. These expenses can include medical bills as well as some other expenses that are not typically covered by health insurance such as lost wages.
Infinity Review Summary: Infinity auto insurance is an option for high-risk drivers who are looking for just enough coverage to drive legally. Despite its basic offerings, Infinity insurance doesn’t come cheap. Plenty of customers have complained about high premiums, and WalletHub’s research on car insurance prices backs up these complaints. Infinity ranks 27th among the 46 auto insurers studied. And that doesn’t even factor in potential costs associated with supplemental policy options such as roadside assistance or rental reimbursement.
Infinity prides itself on catering to the Spanish-speaking community by providing bilingual services and developing its presence in major cities with large Hispanic populations. The company was acquired by Kemper insurance in 2018, and Infinity auto policies are a part of the Kemper family of insurance products.
The cheapest cars to insure in 2019 are the Subaru Forester ($1,774 average annual premium), Dodge Grand Caravan ($1,786), and Honda Odyssey ($1,800), according to WalletHub’s analysis of 26 of the most popular vehicles on the road right now. Of the 10 cheapest cars to insure, 3 are minivans, 3 are crossovers, and 2 are SUVs. Minivans are the cheapest type of vehicle to insure, with an average monthly premium of $154. And Nissan is the best car manufacturer when it comes to cheap insurance, as its vehicles cost an average of $168 per month to insure.
On the flip side, according to WalletHub’s analysis, the Lexus LS is among the most expensive makes and models to insure with an annual premium of $3,308. This is not surprising given that the Lexus is also one of the more expensive car brands to insure overall. And in terms of car types, the coupe is the most expensive variety to insure in a list that includes SUVs, pickups, and sedans, among others.
Dairyland Review Summary: Dairyland auto insurance is geared toward individuals with poor driving records who have a difficult time obtaining even the most basic coverage from traditional auto insurance companies. Dairyland’s open-door policy comes with a high price tag, however. Dairyland ranks 46th, dead last, in WalletHub’s car insurance price rankings. Customer reviews online back up our findings as well, with regular complaints about higher-than-average premiums.
Dairyland sells auto insurance policies in all 50 states and the District of Columbia. But high-risk drivers who are looking for just enough coverage to stay legal on the road should definitely shop around. You will likely find better prices from other auto insurance companies that specialize in selling high-risk policies.
Kemper Insurance Review Summary: Kemper auto insurance is a solid option for high-risk drivers who are looking for varied coverage choices and discounts. Drivers who require more attentive customer service may want to shop elsewhere, however, as Kemper auto insurance has received more complaints than other similar carriers.
Kemper insurance has several hard-to-find features when it comes to auto coverage options and discounts. They include childcare benefits, enhanced car seat replacement protection, and the married couple discount, among others. But Kemper auto policies can come with a hefty price tag, too. Kemper comes in 31st out of 46 companies in WalletHub’s car insurance price rankings.
Metromile Review Summary: Metromile insurance offers affordable usage-based car insurance policies to drivers who put fewer than 10,000 miles on their cars per year. The pay-per-mile insurance model from Metromile changes the way insurance premiums are calculated by looking at how much you drive rather than how you drive. Metromile’s plug-in tracking device logs the number of miles driven to help determine your monthly premium. As a result, Metromile’s premiums are more likely to fluctuate month to month. Other auto insurers offer similar driver-monitoring programs, but unlike Metromile, the main purpose of those tracking programs is to simply promote safer driving habits.
As a relative newcomer to the industry serving only eight states, Metromile has received poor reviews for customer service and claims support. Even though drivers might see lower monthly premiums with Metromile, prospective customers should be mindful that cheaper insurance may not always be the best insurance for your needs.
AAA Review Summary: AAA auto insurance is only available to AAA members. An annual membership can cost anywhere from $50 to $130 on average, depending on the level of membership you decide to purchase. If you’re already a member and wish to consolidate all your insurance policies with one company, AAA auto insurance is worth considering given its competitive rates, discounts, and other member benefits. In particular, AAA’s accident forgiveness and disappearing deductible benefits are worth highlighting since not all auto insurers offer those features.
However, you can certainly find a broader range of coverage options and a better insurance shopping experience with other major auto insurers. Many of the regional AAA websites have an outdated feel, and it’s often difficult to get details about policy options in your state without calling a AAA agent.
Mercury Insurance Review Summary: Mercury car insurance is hard to beat when it comes to pricing, landing in 7th place out of 46 auto insurers in WalletHub’s cost comparison. But Mercury does not stray far from the basics when it comes to coverage options, discounts, and specialty auto insurance. As a result, Mercury is best for low-maintenance drivers looking for standard coverage options at an affordable price and nothing more.
People who require attentive customer care and quality claims processing are better off shopping for car insurance elsewhere. Mercury has received below-average ratings for both. One big reason why: Drivers do not have the option of purchasing a policy or filing claims online.
Esurance Review Summary: Esurance car insurance is designed for drivers who are not intimidated by the idea of shopping for, buying, and managing their auto policies completely online. With Esurance, the process of getting your insurance directly online is surprisingly painless thanks to the company’s straightforward, easy-to-use website.
Esurance has competitive rates, essential coverage options, and generous discounts. What more can you ask for? Some policyholders would say better customer service. But don’t let Esurance’s average customer service rating be a deal-breaker, as they make up for it with a highly-rated claims service process. Still, drivers who want a longer list of coverage options and a more personalized shopping experience might want to look elsewhere. Esurance is best for the self-sufficient, tech-savvy driver looking for a wallet-friendly rate.
Farmers Review Summary: Farmers auto insurance is a winner when it comes to coverage options and quality claims support. It receives especially high marks from customers in the areas of repairs and rental experience. Farmers is generous with discounts, too, offering savings for homeowners and for individuals who drive alternative fuel vehicles, among others. In terms of pricing, however, Farmers is pretty middle of the road, landing in 25th place (out of 46 insurers) in WalletHub’s ranking.
In the sections below, learn more about Farmers Insurance’s extensive coverage options, discounts, and how they compare against competitors like State Farm, GEICO, and Allstate.
The General Review Summary: The General is one of the few companies in the auto insurance industry that sells policies to drivers with a history of traffic violations and accidents. Not only that, but The General offers traditional auto coverage options at affordable prices, throwing a lifeline to drivers who might be struggling to purchase coverage elsewhere.
Although The General has competitive rates, it doesn’t have as many coverage options and discounts as its better-known competitors. Interestingly, given the high-risk drivers it insures, The General does not provide any incentives to promote safe driving habits. The General’s lackluster website also makes it hard to nail down coverage and discount details. Prospective customers must request a quote in order to learn more about their options.
21st Century Review Summary: 21st Century auto insurance is more standard than standout. Auto insurance shoppers who want lots of choices and discounts may want to look elsewhere. You may be forced to, anyway, as 21st Century only serves California and Hawaii residents. Farmers Insurance, which owns 21st Century, is available to serve residents outside of those two states.
For those who are eligible, 21st Century’s limited coverage options and discounts do not guarantee low costs, unfortunately. Some customers have complained of high premiums and unexplained price increases.
Travelers Review Summary: Travelers auto insurance impresses with an extensive list of discounts and strong coverage options. Travelers is one of the few auto insurance companies that provide accident and violation forgiveness every three years as well as a policy discount for hybrid vehicles. However, an auto policy from Travelers can have a pretty high price tag. The company’s auto premiums come in at 28th place in WalletHub’s ranking.
All in all, Travelers auto insurance is a decent choice for drivers who prefer to purchase and bundle insurance policies from a company with a well established history in the industry.
MetLife Review Summary: MetLife auto insurance is ideal for good drivers looking for traditional coverage options at budget-friendly prices. MetLife’s standout coverage features include legal defense protection and major auto parts replacement.
Aside from these special add-ons, however, MetLife’s coverage options and discounts are rather limited compared to those available from other major car insurance companies. But this doesn’t have to be a deal-breaker, especially since MetLife’s auto insurance rates are competitive, ranking 13th out of 46 insurers in WalletHub’s price research.
When it comes to Maryland, big things really do come in small packages. In 2016, the Free State charged the eleventh most expensive car insurance premiums in the country. That’s despite having little road to cover (under 18,000 lane miles), a traffic-related fatality rate lower than that of many states (550 in 2017) and minimum liability insurance limits just slightly higher than the national average. Maryland drivers must carry at least $30,000 of coverage per person and $60,000 per accident for bodily injury and $15,000 for property damage. They must also have $30,000 per person and $60,000 per accident in uninsured motorist bodily injury coverage, $15,000 in uninsured motorist property damage coverage and $2,500 of personal injury protection.
So what’s boosting the cost?
USAA Review Summary: USAA auto insurance is an obvious choice for members of the U.S. military and their families, thanks to competitive rates and discounts tailored for those in active duty. USAA has consistently earned top marks for customer service and is among the most highly rated auto insurers in that regard. Although their list of policy discounts is limited compared to other auto insurance companies, USAA’s vehicle storage discounts can provide military members with significant savings.
Individuals who are not part of the military community are out of luck for auto insurance with USAA, as you must be a USAA member to qualify. And USAA membership is only open to active or former military and their eligible family members.
Safeco Review Summary: Safeco auto insurance features a solid list of coverage options and discounts. But if you’re looking for top-notch customer service and really competitive rates, you may want to shop elsewhere. Safeco also is not for drivers who want minimal human interaction when shopping for and managing an auto insurance policy. Although you can get a free quote online, prospective customers will have to contact a local agent to verify coverage and discount details in order to complete their purchase.
Safeco does not have the most competitive car insurance rates in the industry, either. Safeco auto insurance ranks 23rd out of the 46 major companies in WalletHub’s price comparison.
The Hartford Review Summary: The Hartford auto insurance is tailored to drivers age 50 and older, as the AARP Auto Insurance Program is the company’s flagship auto insurance product. The Hartford also sells auto policies to non-AARP members, but the benefits and discounts are not as robust. Younger drivers who are looking for quality coverage at a low cost may want to steer their shopping carts elsewhere.
The Hartford has put together coverage options, discounts, and other benefits that accommodate older drivers. Of special note is the RecoverCare feature, which ensures that policyholders who have been in an accident will receive the assistance they need for daily activities when forced to recover at home.
Allstate Review Summary: Allstate impresses with their long and varied list of auto insurance discounts, and drivers will need them if they choose to buy a policy from this big-name insurer. Allstate’s premiums are noticeably higher than their top competitors’ rates, coming in near the bottom of WalletHub’s price ranking. But if you can afford the higher-than average premiums, you will be in good hands with Allstate thanks to their 24/7 claims service, solid coverage options, and nationwide network of agents.
In other words, Allstate car insurance should be at the top of the list for more experienced drivers with a clean record, especially those looking to bundle multiple insurance products with one company. However, individuals who have just started driving or who have a poor driving record might want to look elsewhere due to the high costs.
Amica Review Summary: Amica car insurance is a solid, budget-friendly choice for drivers who want quality coverage options, a variety of discounts, and reliable customer service. Amica’s straightforward yet informative website also makes for a fast and easy car insurance shopping experience.
Buying car insurance with Amica may be stress-free, but the insurer’s auto “dividend” policy can cause confusion for those who are not familiar with this type of insurance product. Because Amica is a mutual insurance company, they are able to return a percentage of customers’ annual premium payments in the form of dividends. The dividend payments average 5% to 20% of your annual premium, depending on the year. However, such payments are not guaranteed, and this policy option is not available in all states.