Auto Insurance Company Ratings
When it comes to buying auto insurance many people only think about the cost, but there are many things to take into account when purchasing an auto insurance policy, and looking at auto insurance company ratings can help you choose the right auto insurance policy for you. Two companies may offer similar car insurance quotes online, but that doesn’t mean you’ll get the same coverage.
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UPDATED: Mar 11, 2022
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Americans are blessed with a wide variety of auto insurance companies from which to choose. Whether you live in Alaska or Arizona, California or Connecticut, you can find a good car insurance provider that meets your budget and lifestyle.
In fact, there are so many car insurance companies to choose from – choosing the right one can be overwhelming!
That’s why we want to help! By checking auto insurance company ratings online, you can discover which company works best for you. Two companies may offer similar car insurance quotes online, but that doesn’t mean you’ll get the same coverage. In many cases, auto insurance companies will dazzle drivers with low prices, only for drivers to find they have minimum liability coverage – nothing else.
With that in mind, let’s take a look at auto insurance company ratings across the United States.
The Best Car Insurance Companies in the United States
There are hundreds of car insurance providers across the United States. Some insurance companies are available in all 50 states and all territories. Other insurance companies are only available in a single state or a small region. Below, you’ll find a list of some of the best and most popular car insurance companies across the United States (ranked by market share):
- State Farm
- Farmers Insurance
- Liberty Mutual
- American Family
These are all some of the largest car insurance providers in the United States because they serve customers across the country. All of the above companies serve customers nationwide.
USAA tends to rank particularly high in terms of both price and customer satisfaction. However, there is a catch: USAA isn’t available to everyone. It’s only available to retired and active duty military personnel and their families.
All of the companies above are popular and well-known. They’re some of America’s largest corporations. However, some customers will be more satisfied when buying car insurance from a smaller, regional provider.
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Sometimes, the Best Car Insurance Comes from Smaller, Regional Providers
The companies listed above have name brand recognition. However, if you’re looking for the best auto insurance company ratings in the United States, then consider choosing a smaller, regional provider. Smaller providers may serve a particular region – like the Midwest or the Northeast. Or, they might serve a specific state.
There’s nothing wrong with choosing a regional insurance company. Many customers report higher satisfaction with smaller companies. Sometimes, you might even pay lower rates. It highlights the importance of comparing as many car insurance quotes as possible when shopping around for insurance.
How to Compare Auto Insurance Ratings Online
Choosing between all of these good insurance companies can be overwhelming. Fortunately, the internet has made it easier than ever to compare auto insurance ratings online. Today, all it takes is a few minutes of your time to start shopping for the best car insurance in your local area.
Of course, shopping for car insurance isn’t always as easy as instantly picking the cheapest quote. Instead, it can take careful research and hours of shopping to find the right insurance company for you. All of this hard work is worth it, however, when you find a good car insurance company at a better price.
Here are some tips for comparing auto insurance ratings online:
Remember Each State Has Different Minimum Legal Limits: It’s important to remember that states have vastly different insurance laws. Some states are no-fault states while others are tort states. This will significantly change the way you file an insurance claim, and it can also significantly affect the price of car insurance. Make sure you’re aware of your state’s minimum insurance limits before shopping online. Only one state – New Hampshire – does not require car insurance.
Certain States Are More Expensive than Others: Another important thing to remember is that drivers in different states pay vastly different prices for the same car insurance. A minimum liability insurance plan might cost three times as much in Michigan as it does in Idaho, for example. Some states – like Florida and Louisiana – have notoriously high insurance prices while other states – like North Carolina and Maine – have some of the lowest insurance prices.
Look for Claims Satisfaction: Ideally, you’ll never need to use your car insurance policy. If you do need to use it, however, you want the claims process to go smoothly. Look for customer reviews online from people who have legitimately filed insurance claims with that company. These customers give you an inside look at what you can expect when you need to file a claim.
Price Satisfaction: Sometimes, drivers don’t mind paying higher premiums for car insurance. Good comprehensive insurance, for example, might be worth a few dollars per month more than bad comprehensive insurance. Sometimes, cheap car insurance policies will come with rules and restrictions that prevent you from ever making a claim. When looking at car insurance company ratings online, look for price satisfaction among current customers.
Ease of Shopping: If an insurance company has an easy online shopping experience, then they’ll likely be an easy company to deal with overall. Companies that invest in a good insurance quote request form also tend to be the companies that invest in mobile apps, responsive web designs, and a secure online experience.
Choose Companies with Stable Financial Situations: You depend on your insurance company to be there when you need it most. Unfortunately, insurance companies can go bankrupt or close down. That’s why it’s important to choose a car insurance company with strong financial stability. AM Best provides financial stability rankings for companies across the United States. Consider checking your insurance company’s AM Best financial strength rating before you lock down a quote.
Consider Checking J.D. Power’s Auto Insurance Rankings: J.D. Power is one of the country’s major ranking services for car insurance companies. Every year, they measure auto insurance customer satisfaction across the country. Their rankings are split into different regions, including Central, California, Florida, and other regions, making it easy to see which company leads the way in your area. You can view the average customer satisfaction rating in your region, then view the top-ranked companies. 2018’s rankings were the best on record overall, indicating customers were more satisfied with their insurance companies than ever before.
Ask About Repair Facility Restrictions: Some insurance companies require you to use specific repair facilities. You might have to drive across town to work with a specific auto body repair shop, for example.
Range of Coverage Options: America’s best insurance companies offer an extensive range of coverage options. They might offer gap insurance, for example, and interior vehicle coverage, among other bonus features. Poor car insurance companies, meanwhile, will limit coverage with various restrictions, preventing you from making claims on damages that would be covered by other car insurance companies. You might save $10 per month on your premium, but end up paying significantly more in the long run when you’re forced to pay for a claim out of pocket.
Conclusion: Compare Car Insurance Quotes Online Today for the Best Auto Insurance Company Ratings
Finding the best auto insurance quote is easier today than ever before. With a few minutes of online searching, you can find the best car insurance company for your unique needs based on customer claims satisfaction, price, coverage options, and more. Enter your ZIP code into our easy online form to start comparing auto insurance company ratings across the United States.