Auto Insurance Comparison

The price of car insurance is steadily increasing, so it is vital to shop around for an affordable car insurance company that suits your needs. To help you, we evaluated multiple insurance companies to find the best auto insurer based on rates, available coverage features, complaints, and their collision claims process.

 

State Farm Car Insurance

https://www.statefarm.com/

Pros

  1. If you’ve stayed at State Farm for at least three consecutive years, the renewal discount is pretty good, averaging 14%
  2. Competitive auto insurance rates for drivers with a record of speeding tickets
  3. The average price for adding a teen driver to a parent’s policy is good.
  4. A usage-based insurance program (Drive Safe & Save) is offered to drivers willing to be monitored to try to get discounts based on driving habits.
  5. Fewer complaints about auto insurance are filed with the state insurance department.

Cons

  1. Of the companies we analyzed, drivers with bad credit had the highest average rates
  2. Car insurance costs are modest for good drivers and those with a history of accidents or drunk driving.
  3. If you want coverage options like accident forgiveness, new car replacement, or disappearing deductibles, you’ll have to find other coverage.
  4. CRASH Network’s survey of collision repair experts gave State Farm a C grade for its collision repair process.

 

Nationwide Car Insurance

https://www.nationwide.com/

Pros

  1. A usage-based insurance plan (SmartRide) for good drivers who want to reduce their car insurance costs based on driving habits.
  2. There is also a pay-per-mile insurance plan (SmartMiles) for low-mileage drivers who want to save money.
  3. The premium rates are quite good when adding teenage drivers to the policy, which is often very expensive for parents.
  4. Offer accident forgiveness, new car replacement and deductible elimination options to add to the policy.

Cons

  1. Car insurance is expensive for drivers who are injured in accidents.
  2. Car insurance rates for drunk drivers are higher than other top competitors.
  3. Carpool insurance is not available

 

American Family Car Insurance

https://www.amfam.com/

Pros:

  1. The rate of complaints filed by U.S. households with state insurance departments about auto insurance is very low.
  2. New owners can purchase difference insurance from American Family.
  3. A usage-based insurance plan (KnowYourDrive) for good drivers who want to reduce their car insurance costs based on driving habits
  4. Lyft and Uber drivers can get carpool insurance through American Family.

Cons:

  1. For good drivers (people with a good driving record), there is only the average car insurance cost.
  2. Car insurance costs are about the same for young and old drivers.
  3. American Homes is only available in 19 states, not nationwide

 

To determine the best auto insurance company, we evaluated each company based on average rates for different drivers, coverage options offered, complaints against the company, and the crash repair rating of body professionals.Hope you can find something useful from this article.