The best comprehensive insurance comes from Geico, Progressive, and Esurance, based on average premiums and WalletHub editor reviews. In addition to having great reviews and competitive premiums, the best comprehensive insurance companies offer a wide range of coverage options and boast convenient claims processes.
Best Comprehensive Car Insurance Companies
Comprehensive insurance is a type of car insurance coverage that pays for damage to a vehicle caused by something other than a collision. Comprehensive insurance is not required by any state laws, but a driver will usually have to buy it for a leased or financed vehicle.
Best Comprehensive Car Insurance Companies
The best comprehensive insurance is offered by Geico, based on its affordable pricing and WalletHub editor rating of 4.5 out of 5. The company earned such a good score due to its low premiums, easy claims process, and variety of coverage options.
Progressive is an inexpensive option for drivers looking for comprehensive insurance. The company’s prices are consistently competitive, and it earned a 4.3 out of 5 WalletHub editor rating. Progressive also offers a variety of coverage add-ons, such as rideshare insurance, rental car reimbursement, and loan-lease payoff.
Esurance has the lowest average rates for comprehensive coverage. On the other hand, the company has about three times as many customer complaints as the average insurer, adjusting for market share. Nevertheless, Esurance is a good option for drivers who don’t mind buying a policy online or over the phone, since the company does not sell through agents.
USAA is only available to military servicemembers, veterans, and their families, but it provides inexpensive comprehensive coverage for drivers who qualify. The company offers lots of other coverage options, too, including accident forgiveness and extra passenger protection. However, it’s worth noting that USAA only allows policyholders to file a claim online, rather than over the phone or via a mobile app.
Mercury offers affordable comprehensive insurance for drivers in 11 states, including California, Texas, New York, and New Jersey. However, Mercury has more customer complaints than the average insurer, due to things like claim denials and delayed claims payments. Besides auto insurance, Mercury also offers other types of coverage, including homeowners, renters, and business insurance.
AAA is a good choice for budget-conscious drivers looking for comprehensive coverage because the company offers competitive rates and a wide range of discounts. Although AAA requires an annual membership fee in addition to their premiums, the roadside assistance program that’s included can be very useful in conjunction with a comprehensive policy.
Allstate receives high praise for their quick and convenient claims services, as well as their variety of coverage options and available discounts. However, Allstate tends to be one of the more expensive insurance options for comprehensive coverage.
Travelers offers comprehensive insurance at competitive rates, in addition to an extensive range of other coverage options and a variety of discounts. Travelers has an average customer service and claims support system, but customer reviews are quite positive overall.
State Farm is the nation’s biggest insurer and is available in all 50 states, which makes it a reliable choice for drivers all over the country. State Farm also offers several types of insurance, making it a good option for those who are interested in multi-policy discounts.
However, State Farm’s rates are significantly higher than their competitors, especially for comprehensive insurance. Customers also complain that the State Farm claims process can be difficult to navigate.
Liberty Mutual has a wide range of discounts and offers many types of insurance, including home insurance and umbrella insurance. Liberty Mutual, the 6th largest auto insurer in the U.S., also is available in all 50 states.
However, Liberty Mutual’s comprehensive insurance is fairly expensive, and customers often complain about the company’s claims process and settlement offers. Additionally, Liberty Mutual has poor ratings from the NAIC and mid-range reviews from WalletHub users.
Best Comprehensive Insurance Comparison
|Company||Average Full Coverage Cost||WalletHub User Rating|
|Geico||$1,955 per year||2.5/5|
|Progressive||$2,271 per year||2.7/5|
|Esurance||$1,697 per year||3.6/5|
|USAA||$1,829 per year||2.8/5|
|Mercury||$2,015 per year||2.1/5|
|AAA||$2,816 per year||2.4/5|
|Allstate||$2,438 per year||3.0/5|
|Travelers||$2,536 per year||2.2/5|
|State Farm||$2,627 per year||3.5/5|
|Liberty Mutual||$3,419 per year||2.5/5|
Note: Rates are an approximation based on a 45-year-old driver with Full coverage in California. Actual rates will vary.
4 Tips for Getting the Best Comprehensive Insurance
1. Compare Quotes Regularly
Comparing quotes from at least 3 companies and getting quotes every year is a great way to ensure you’re getting the best rates possible.
2. Seek Out Discounts
Most car insurance companies offer a lot of discounts that can make a serious difference in the cost of your premiums.
3. Consider How Your Car Affects Your Premiums
Comprehensive insurance premiums are based on the actual cash value (ACV) of your car. That means a higher value car will result in more expensive premiums.
4. Remember That Price Isn’t Everything
Companies with great customer service reviews and highly rated claims processes will be easier to work with if you ever need to file a comprehensive insurance claim. The availability of different discounts and coverage options also is important to consider when shopping for comprehensive insurance.
Video: Best Comprehensive Car Insurance
The best insurance companies for comprehensive coverage were determined by considering average premiums and overall editor rating. Both factors were given equal weight, though cost was used as a tiebreaker when necessary.
Ask the Experts
To gain more insight about Comprehensive car insurance, WalletHub posed the following questions to a panel of experts. Click on the experts below to view their bios and answers.
1. What drivers should purchase comprehensive insurance?
2. How should drivers pick their comprehensive insurance coverage levels?
3. How should drivers pick their comprehensive insurance deductible?
4. When should drivers drop comprehensive insurance?
5. Can drivers actually save as much as insurance companies advertise when switching companies?
6. Why do car insurance companies spend so much on commercials?
7. Should drivers trust their insurance company?