Best Car Insurance Companies for 2024 a Region & State Analysis
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Dec 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
UPDATED: Dec 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
Everyone knows car insurance is a necessity and required by law.
Further, the price of an auto insurance policy is climbing twice as fast as the rate of inflation.
Like you, drivers want car insurance companies to offer affordable prices to save money and control personal finance expenses. Affordable car insurance should be accessible, and by shopping around, you are ensuring that you find the best deal.
Best Car Insurance Companies for 2024
Before you read on, here are the key considerations and takeaways.
Best Companies Key Considerations & Takeaways |
---|
In our recent 2023 analysis of the best auto insurance companies, the top ones are: --Overall best: Amica --For customer service: Erie --For policy options: State Farm --For discounts: Allstate --For technology: Esurance --For military: USAA |
If you are looking to save money in California, your best options to compare insurance rates are with Auto Club Group of Southern California and Esurance. |
Drivers looking to save money in Texas should compare insurance rates with Texas Farm Bureau, Nationwide, and Progressive. |
New York drivers should compare car insurance rates with New York Central Mutual and Erie. |
An auto insurer needs to claim more than a low price.
They must have high customer satisfaction, a straightforward and easy claims process, an excellent shopping experience, and technology such as mobile apps with a good digital experience.
How to Shop for Car Insurance During the Quote Process?
Shopping for an auto insurance company can be overwhelming for buyers with or without a current policy.
The good thing to do is follow the National Association of Insurance Commissioners’ (NAIC) recommendations for finding a car insurance policy.
Here are the tips the NAIC and Bankrate (leaders in the insurance industry) recommends for a better shopping experience:
1. Make sure to read car insurance company customer reviews.
2. Request quotes from at least three or more car insurance companies from their quote tool, then make an auto insurance comparison to compare the details. Be sure to compare the same coverage levels.
3. Narrow down your car insurance coverage options to 1 or 2 carriers, and make sure to check your state insurance commissioner if the auto insurer is properly licensed.
4. Call your car insurance company directly and ask about details.
5. Once covered, make sure never to let your car insurance premium lapse by missing a payment.
Note: In our analysis among the best car insurance companies offer, we picked the following categories for each: overall, company’s customer service, shopping experience, policy options, discounts, technology, and military with multiple policies. To find out who, read on below.
Which Companies Offer The Best Car Insurance?
We have analyzed the best auto insurance providers across the United States from J.D. Power, AM Best, and most importantly, customer reviews, customer satisfaction, and reports.
Below are the top auto insurance coverage options based on service for drivers with a good driving record:
– Overall: Amica Mutual
– Customer Service: Erie Insurance
– Policy Options: State Farm
– Discounts: Allstate
– Technology: Esurance
– Military: USAA
You can find excellent car insurance companies for high-risk or young drivers here.
Overall Best Car Insurance Company: Amica
Amica Mutual is the strongest overall among auto insurers ratings in the U.S. and has since 1999 and with the highest rating from J.D. Power.
Among customer satisfaction, they are highly rated for the best auto insurance quotes.
They offer premium limits as high as 5 million, while competitors may offer only $500,000.
Amica offers excellent coverage options with their Platinum Choice program, and they are always among the top carriers.
Pros | Cons |
---|---|
Highest scores in claims satisfaction | Fairly Selective |
Online quote generator | Dividend and non-dividend selection process is confusing |
Low customer complaints | Few discount opportunities |
Easy to change options |
Best For Customer Service: Erie
For the past five years, Erie has received J.D. Power’s highest customer satisfaction rating.
The features offered by Erie are their generous discounts, rate lock program, and a vanishing deductible.
Also, they are an excellent choice for young drivers with good driving habits.
Erie has become a top car insurance company from New York to North Carolina or the Mid-Atlantic region with all the features.
Pros | Cons |
---|---|
Low cost compared to major brands | Customers claim online quote is different from final quote. |
Multiple discounts available | Low tolerance for risk after claims |
Rate lock | Limited availability in only 12 states |
Vanishing deductible | Average customer loyalty |
Best for Insurance Policy Options: State Farm
State Farm is one of the few car insurance companies offering discounts for hybrid vehicles.
They have an impressive list of discounts, policy bundling, strong policy options with great customer service.
State Farm is available in all 50 states plus Washington D.C., making them one of the best and cheapest car insurance companies.
State Farm is an excellent choice for accident-free drivers in need of multiple insurance coverage options, including home, auto, or life insurance.
Pros | Cons |
---|---|
Multiple policy lines available | Customer complaints reported with billing |
Network of local insurance agents | Fee for paying by check |
Lots of available options | Limited availability for rideshare policy. |
Accident forgiveness | Higher than average premium |
Best For Discounts: Allstate
Allstate is known for higher than average car insurance rates, but they have a broad range of policy choices with excellent claims handling.
They have excellent claims handling services in the industry with superb customer service.
If you apply their above-average discount options, your insurance rate should be more affordable.
Young drivers with more expensive vehicles can find the cheapest car insurance policy in the nation through Allstate.
You can get more protection for less if you take advantage of Allstate’s redeemable rewards through good student discounts and safe driver programs.
Bundling auto, home, and life insurance through Allstate offers considerable savings for accident-free drivers.
Pros | Cons |
---|---|
Accident forgiveness, new car replacement and a safe-driving bonus every six months | Customer satisfaction lower than average |
Student-Away-at-School discount | Only six month policy |
Covers high-end audio equipment & rideshare | Purchase experience below average |
Best For Technology: Esurance
Esurance has the best technology and mobile app development among even top auto insurance providers with an excellent digital user experience.
Customers like the claims feature by uploading an image via their app and getting paid within a day or so.
There is the ability to have a video chat with an appraiser and get paid almost immediately after filing a claim.
According to J.D. Power U.S. auto insurance claims satisfaction study, California drivers have rated Esurance as the cheapest car insurance provider for customer satisfaction.
Pros | Cons |
---|---|
Variety of discounts, multi-policy discounts, online shopper, roadside assistance, and claim free discounts | Claims and payouts process |
Backed by Allstate | Higher than average prices |
Excellent JD Power rating | High complaint rating |
Technology and mobile app | Transaction fee for monthly payments |
Best For Military: USAA
USAA is a top insurer offering cheap insurance premiums for military members, military families, and their relatives for years.
There is no better car insurance option for qualified drivers.
USAA has a reputation for earning a perfect score with J.D. Power in its recent auto claims satisfaction study and consumer survey.
Military personnel getting a car insurance policy through USAA will have optional lines of home, rental, banking, and investment products and services.
The only drawback with USAA is the lack of local branches. Service members with good driving habits will get the best rates with USAA.
Pros | Cons |
---|---|
Excellent customer satisfaction rating | Available to members of the U.S. Military and relatives |
Low number of complaints | Few physical locations |
Complete line of car, home, property, banking, and investments | No guaranteed renewal |
Best By Region
Below is a list of car insurance companies by region from J.D. Power’s 2024 U.S. auto claims satisfaction study and consumer survey.
The list is based on customer satisfaction, policy offerings, price, interaction, claims, and billing process.
Also included in the list is the financial strength of each auto insurance company rating and average premium price. When shopping for car insurance quotes, make sure to compare the same amount of coverage.
Company | Region | Customer satisfaction | Claims service | Financial Strength | Average Premium |
---|---|---|---|---|---|
Esurance | California | 5/5 | 4/5 | A+ | $812 |
Auto Club of Southern California | California | 4/5 | 3/5 | A+ | $865 |
Allstate | Florida | 4/5 | 4/5 | A+ | $932 |
Liberty Mutual | Florida | 3/5 | 4/5 | A | $1,043 |
TX Farm Bureau | Texas | 5/5 | 4/5 | A- | $983 |
USAA | Texas | 5/5 | 4/5 | A++ | $788 |
New York Central Mutual | New York | 4/5 | 4/5 | A | $1,397 |
Travelers Insurance | New York | 4/5 | 3/5 | A++ | $1,439 |
Erie Insurance | Mid-Atlantic | 5/5 | 5/5 | A+ | $1,234 |
NJM | Mid-Atlantic | 5/5 | 5/5 | A+ | $1,285 |
Shelter | Central | 5/5 | 4/5 | A | $986 |
Auto-Owners Insurance | Central | 4/5 | 4/5 | A++ | $1,043 |
Amica Mutual | New England | 5/5 | 5/5 | A+ | $1,020 |
Westfield | North Central | 4/4 | 4/5 | A | $1,087 |
Indiana Farm Bureau | Indiana | 5/5 | 4/5 | A- | $971 |
PEMCO | Washington | 4/5 | 4/5 | A+ | $1,277 |
American Family | North West | 4/5 | 3/5 | A | $1,186 |
Farm Bureau Insurance - Tennessee | Tennessee | 5/5 | 3/5 | A+ | $1,282 |
The Hartford | South West | 3/5 | 3/5 | A+ | $1,179 |
Best By Market Share
Here is the information from the National Association of Insurance Commissioners (NAIC) ratings of each auto insurance provider by market share.
The companies listed have established themselves as the best car insurance companies due to superb claims handling, low cost, and excellent customer satisfaction.
Company | Written Premiums | Market Share |
---|---|---|
Berkshire Hathaway | $43,869,809,385 | 6.50% |
State Farm | $38,884,238,229 | 5.49% |
Liberty Mutual | $34,605,081,217 | 5.13% |
Progressive | $33,754,922,894 | 5.00% |
Allstate | $33,251,176,400 | 4.93% |
Travelers | $26,244,171,590 | 3.89% |
Chubb | $22,008,957,111 | 3.26% |
USAA | $21,984,970,084 | 3.26% |
Farmers | $20,309,965,620 | 3.01% |
Nationwide | $18,416,860,937 | 2.73% |
American International (AIG) | $14,724,754,898 | 2.18% |
Zurich Group | $12,412,211,313 | 1.84% |
The Hartford | $11,054,644,065 | 1.64% |
CNA Group | $10,690,865,252 | 1.58% |
American Family | $8,939,812,246 | 1.32% |
Auto-Owners | $7,918,031,340 | 1.17% |
Best Car Insurance Companies by State
Listed below are the best car insurance companies by state.
Included in the list are companies more competitive by price than features and driver discounts.
For example, Esurance is rated top in California according to J.D. Power in their recent U.S. auto insurance claims satisfaction study.
Still, we have replaced the Auto Club Group of Southern California since they offer a lower price with the same premium when making an insurance comparison.
In many states, we removed USAA as the best auto insurance company since many drivers do not qualify.
In states like Virginia and North Dakota, with numerous former military, USAA is the best choice.
State | Insurer | State | Insurer |
---|---|---|---|
Alabama | National General | Montana | Progressive |
Alaska | Liberty Mutual | Nebraska | Farm Bureau Financial Services |
Arizona | Travelers Insurance | Nevada | Allied |
Arkansas | Farmers | New Hampshire | Concord |
California | Auto Club of Southern California | New Jersey | NJM |
Colorado | Progressive | New Mexico | Farm Bureau Financial |
Connecticut | Amica | New York | New York Central Mutual |
Delaware | Grange | North Carolina | Auto-Owners Insurance |
Florida | Florida Farm Bureau | North Dakota | USAA |
Georgia | Auto-Owners | Ohio | Erie |
Hawaii | Fireman's Fund | Oklahoma | OK Farmers Union |
Idaho | American National | Oregon | Country Financial |
Illinois | Unique | Pennsylvania | Harleysville |
Indiana | Indiana Farm Bureau | Rhode Island | Travelers Insurance |
Iowa | Western National | South Carolina | Southern Farm Bureau |
Kansas | Farmers | South Dakota | Farmers Mutual of Nebraska |
Kentucky | Kentucky Farm Bureau | Tennessee | Tennessee Farmers Mutual |
Louisiana | Southern Farm Bureau | Texas | Texas Farm Bureau |
Maine | Patriot | Utah | Bear River |
Maryland | Progressive | Vermont | Co-operative |
Massachusetts | Norfolk & Dedham | Virginia | USAA |
Michigan | Chubb | Washington | PEMCO |
Minnesota | Farm Bureau Mutual | West Virginia | Progressive |
Mississippi | Unitrin | Wisconsin | Partners Mutual |
Missouri | Farmers | Wyoming | Safeco |
Who Is The Best Car Insurance Company in California?
Auto Club Group of Southern California, CSAA Insurance Group, has been in business for over 100 years.
Though Esurance is rated higher in California according to J.D. Power, the NAIC offers the same amount of coverage type at a lower cost.
This makes, in our opinion, either insurer the best company in California.
There are numerous discounts offered by Auto Club of Southern California, such as:
- Affinity
- Claim Free
- Defensive Driver
- Full Payment
- Good Grades
When comparing auto insurance quotes against similar California companies, CSAA Insurance Group offers basic premiums for property damage and bodily injury liability coverage for less.
Coupled with a broad range of driver discounts and mechanical breakdown insurance, they would be worth getting quotes from if you live in California.
Besides liability insurance offered, you can get additional car insurance add-ons listed below:
- Modified vehicle
- Travel expense
- Rental car
- Non-owner liability
- Gap insurance
- Emergency roadside assistance
Pros | Cons |
---|---|
Locally available agents | Getting quotes can be cumbersome |
Excellent roadside service | No accident forgiveness |
Generous with policy discounts | No rideshare options |
If you are looking for additional companies to put on your list to get auto insurance quotes in California, consider Wawanesa, Safeco, and 21st Century.
All three car insurance companies offer high customer satisfaction marks and make it easy to file a claim.
Who Is The Best Insurance Company in Texas?
Texas Farm Bureau has consistently offered competitive car insurance rates across Texas.
The only drawback is the lack of policy options, such as no accident-free discounts and new car protection.
Otherwise, Texas Farm Bureau specializes in basic premiums offering the best car insurance rates, and has many happy customers to prove it.
In a U.S. auto insurance claims satisfaction study, TX Farm Bureau receives excellent ratings in price, the billing process, and customers that need to file a claim.
Numerous car insurance discounts are offered, such as:
- Anti-theft
- Bundling
- Good student
- Defensive driver
If you are a driver looking for the basic type of auto insurance coverage without special add-ons, Texas Farm Bureau is top-notch in Texas.
They offer competitive car insurance rates for drivers with fair credit history.
Pros | Cons |
---|---|
Good discount offerings | Doesn’t reward loyal customers |
Flexible billing options | Few options |
Local agents offering a personal touch to residents | No rideshare, short term, or temporary options |
24/7 and digital claims process | No accident forgiveness |
Other car insurance companies to put on your list to compare quotes would be Nationwide, Progressive, Allstate, and State Farm.
All three insurance companies were ranked well in J.D. Power’s insurance shopping study of Texas.
Who Is the Best Insurance Company In Florida?
To find the best insurance company in Florida, we had to sacrifice slightly and go with a financially stable company – Geico.
They have been in business since 1936 and offer longer-than-standing policy lengths at 12 months.
Geico’s prices are slightly higher than average; however, with a suite of drivers discounts offered, you should be able to lower your car insurance premium.
Geico’s array of car insurance offerings and features include:
— Rental car reimbursement
— Major parts replacement
— Glass repair without a deductible
— Legal defense fund
— Custom sound system
If you have access to Geico’s mobile app, you can pay bills, file claims, and view your policy.
The most noticeable consumer complaint is the long wait time and lack of communication after filing a claim.
Pros | Cons |
---|---|
Online claims filing | Minimal opportunities for savings with discounts |
Group discounts through work for qualified employees | Below average claims satisfaction |
12 month policy | Poor web experience |
Excellent financials | No accident forgiveness |
Other companies to put on your list to compare car insurance quotes are Florida Farm Bureau, Esurance, and Liberty Mutual if you reside in Florida.
Esurance and Liberty Mutual scored higher than average on J.D. Power’s latest insurance shopping study.
While Florida Farm Bureau requires membership.
The membership outweighs the low cost and quality features to consider them one of Florida’s best auto insurance companies.
Who Are the Best Car Insurance Companies in New York?
New York drivers can get a low-cost auto insurance policy with a regional insurer with New York Central Mutual.
J.D. Power’s recent U.S. auto insurance study ranked them as the best company with policy offerings, customer satisfaction, shopping experience, and price.
As a mutual insurer, NYCM pays out dividends to its customer base.
You could get cash back at the end of the year based on profits.
Plus, they have excellent user reviews at the Better Business Bureau.
Since they are a mutual insurance company paying out dividends, their discount selection is slim.
The company offers:
- Bundling
- Homeowner
- Auto-pay
- Driver training
- Good student
New York Central Mutual has optional roadside assistance and rental car coverage for those who need a vehicle while being repaired, along with the basics such as property damage and bodily injury liability coverage.
Other options include:
— Personal injury
— Medical payments
— Comprehensive
— Collision
— Uninsured motorist coverage
Additional auto coverages
If you qualify for any discounts, you can get from 2 to 30% off your premium.
Pros | Cons |
---|---|
Flexible billing options | Customers claim rate increase at policy renewal |
24/7 support & roadside assistance | Complicated claims process |
12 month policy | No rideshare, temporary or short term coverage |
Variety of coverage options |
If you have a clean driving record, another car insurer to put on your list to compare quotes is Travelers.
They are ranked well in J.D. Power’s study with price, billing, policy information, shopping experience, and interaction.
Carmoon Group, though not ranked and only 20 years old, is another auto insurer to consider.
Particularly if you weigh price heavily when looking for the best company in New York.
Who Are the Best Car Insurance Companies in Pennsylvania?
New Jersey Manufacturers Insurance has been selling insurance for 100 years.
Up until 2018, NJM insurance limited themselves to members only.
Now they are offering multiple car insurance policies to the general public.
This makes NJM a top insurance company in Pennsylvania.
Since they are a mutual firm, they pay their customers dividends, with some consumers reporting dividends as high as 8%.
NJM offers standard auto insurance coverage, such as:
— Collision coverage
— No-fault protection
— Bodily injury liability
— Property damage liability
— Personal injury protection
— 24/7 roadside assistance
Along with standard car insurance coverages, NJM company offers an array of discounts such as:
- Multi-car
- Vehicle safety
- New car
- Paid in full
- Electronic payment
- Driver training
NJM was ranked 3rd, behind USAA and NYCM, for policy offerings, price, and claims satisfaction in a recent U.S. auto insurance claims satisfaction study.
If you are in the market for a new policy while looking for an excellent car insurer in Pennsylvania, then put NJM on your list of insurance quotes.
Pros | Cons |
---|---|
Competitive rates | No coverage on mechanical breakdown and personal property |
Exceptional customer service with free roadside assistance | Coverage in only 2 states - Pennsylvania and New Jersey |
Excellent claims process | |
Low complaints |
Other car insurance companies to explore are Erie, Nationwide, and Plymouth Rock if you are a Pennsylvania resident.
Erie is ranked 1st in U.S. auto insurance claims satisfaction study for customer experience and claims satisfaction.
While Nationwide and Plymouth Rock ranked 7th and 8th, respectively.
Best Car Insurance Companies in Illinois
If you are looking for an excellent Illinois insurance provider, you should explore Auto-Owners during your car insurance comparison.
They have been in business since 1916 and one of the 50 biggest property and casualty insurers in the U.S.
Auto-Owners Insurance is ranked number one in J.D. Power’s recent auto claims satisfaction study in the areas of interaction, claims, and overall customer satisfaction.
Including the basic type of auto insurance coverage, they offer the following features:
- Roadside assistance
- Rental cars
- New car protection
- Personal injury protection
The pricing of Auto-Owners insurance policies the cost is initially is higher than average.
However, if you apply their nice array of discounts, you should get a lower rate with their coverage policies.
Below is their list of discounts:
- Bundling
- Loyalty
- Military
- Anti-theft
- Defensive driving
There is another feature they offer called Personal Automobile Plus Package.
With Personal Automobile Plus Package, you can bundle several additional auto coverages. Plus, it comes with a few perks.
The package comes with replacement cost coverage, identification theft, and roadside assistance.
According to BBB.org, they have many complaints, which should be considered while shopping for an insurance premium.
Pros | Cons |
---|---|
Competitive rates | No accident forgiveness |
Policy discounts are excellent if you get them | No ridesharing coverage |
Strong financial standing | No free policy cancellation |
Customizable packages |
Since getting three or more car insurance quotes is a good idea to find the best rates, you should explore Indiana Farm Bureau, Erie, and Country Financial in Illinois.
All three auto insurance carriers ranked high in J.D. Power’s insurance shopping study, emphasizing policy offerings, price, and overall satisfaction.
Best Car Insurance Companies in Ohio
Shelter is the best insurance provider in Ohio, with excellent ratings from J.D. Power’s study of top companies in the central region of the U.S.
They scored 5/5 in areas of claims, price, customer service, and overall satisfaction.
The only drawback with Shelter is you have to go through a car insurance agent, which means purchasing a policy online is not available.
You can makes claims online or by phone.
However, technology folks are probably not going to enjoy the lack of mobile features.
Shelter offers basic car insurance protection with policies as high as $500,000 for liability insurance.
They also offer a suite of discounts such as:
- Multi-car
- Companion
- Business
- Rideshare
- Military
- Window etching
With Shelter’s array of basic insurance packages, you can get additional car insurance coverage and protection by adding:
- Gap insurance
- Rental reimbursement
- Travel expense reimbursement
- Loss of use
- Accidental death
- Disability income
Shelter will give you a 10% discount if you pay your premium every six months rather than monthly. And they give discounts to those with a clean driving record.
Pros | Cons |
---|---|
Network of 1,400 agents | Can't purchase online |
The company has few customer's complaints, which indicates high satisfaction. | No travel expenses or trip interruption coverage |
Option of starting claim online or by phone | No accident forgiveness |
While NAIC recommends getting three or more quotes, the best companies to explore in Ohio are The Cincinnati, Erie Insurance, Westfield, and State Farm.
All three auto insurance providers ranked high in AM Best’s and J.D. Power’s study focusing on price, claims, and policy offerings.
Best Car Insurance Company in Georgia
Even if you are not part of the Alabama Farmer’s Federation (AFF), you should consider a top insurer in Georgia – Alfa during your insurance comparison.
We think coverage options and the price would be worth the extra cost for non-members by getting quotes from Alfa.
Alfa ranked well in J.D. Power’s recent study focusing on the billing process, price, and customer satisfaction.
The only drawback is consumer reports of subpar interaction after the claims process.
Alfa insurance carrier has been around since 1946 and offers basic liability insurance coverage with additional features such as:
- Comprehensive
- Collision coverage
- Roadside assistance
- Loss of use
- Loss of income
The cost to join Alfa is $30 per year, which could easily make up the difference in car insurance discounts and benefits.
Members get a $500 rebate buying a Ford and phone service discounts if they sign up with T-mobile.
The array of discounts and offerings could bring your policy down 20% or more by adding:
- Multi-car discount
- Homeowner discount
- Air bag discount
- Anti-theft discount
- Loyalty discount
Alfa doesn’t offer information about exclusions or insurance coverage limits.
You will have to call a local agent to find what’s covered or not.
Pros | Cons |
---|---|
Special discounts and benefits for AFF (Alabama Farmers Association) | Extra cost for non-farmers |
Excellent financial strength rating | No travel expenses or trip interruption coverage |
Rewards safe drivers | Customer complaints of slow claims process |
Coverage for loss of clothing and luggage in a crash | Excellent coverage in Georgia |
Other insurers to consider in Georgia are Auto-Owners and USAA.
Both ranked excellent in J.D. Power’s study with a focus on price.
Best Car Insurance Company in North Carolina
If you are looking for a car insurance provider in North Carolina with a wide array of policy options and discounts, your best choice is North Carolina Farm Bureau.
The perks are not up to par with a national company, but we think the North Carolina Farm Bureau’s low cost is worth it.
They ranked well in J.D. Power’s study with high marks in price and overall customer satisfaction.
North Carolina Farm Bureau offers the basic package with property damage liability and bodily injury insurance premiums at an affordable cost.
Coverage options include:
- Uninsured motorist
- Medical payments
- Towing
- Extended transportation
- Comprehensive
- Collision
You can get the full suite of basic discounts, including:
- Driving experience
- Multi-car
- Marital status
- Protection Plus
- Safety device
The downside to North Carolina Farm Bureau is the lack of customer service available only Monday through Friday.
Plus, their website is lackluster, and you’re not able to sign up online.
Pros | Cons |
---|---|
Wide array of coverage options and discounts | Claims process cumbersome |
Regional expertise | No 12 month premium option |
Optional roadside assistance | Unable to sign up online |
According to J.D. Power’s analysis, optional car insurance companies with excellent financials are Auto-Owners and Progressive.
Both ranked excellent in the billing, policy options, and price, while Progressive is ranked excellent for high-risk drivers.
Best Car Insurance Company in Michigan
Michigan Farm Bureau ranked good on J.D. Power’s and AM Best’s recent analysis of top insurers in Michigan or the north-central region of the U.S.
Michigan Farm Bureau was founded in 1949 with a niche for farmers.
Recently, they have started to offer car insurance policies to city dwellers.
You might not get policy offerings from nationally-recognized car insurance companies; you do get low cost, good claims service, and overall customer satisfaction.
With the typical liability packages offered, you can also get the following additional benefits:
- Rental reimbursement
- Electronic equipment
- Custom equipment
- Replacement cost
If you find you have high quotes from an auto insurance comparison initially with Michigan Farm Bureau, you could lower it substantially with the nice array of car insurance discounts offered such as:
- SmartPay bill
- Multi-car
- Bundling
- Vehicle safety
- Safe driver
MI Farm Bureau offers substantial benefits to farmers and those related to farming activity.
However, the city-dwelling type can get an auto insurance carrier at an inexpensive cost through them.
Pros | Cons |
---|---|
Excellent Financials | No mobile app or online quote |
Top rated company with AM Best | No 12 month premium option |
Good discount offerings |
Other auto insurance companies to put on your bucket list to compare quotes in Michigan would be Country Financial, The Hartford, State Farm, and Geico.
All car insurance companies ranked well in recent studies with high marks in customer satisfaction, claims, and policy offerings.
Methodology
AutoInsureSavings.org collects quotes from the state's largest car insurance companies for a 30-year-old male or female motorist for our driver profile. Each driver has a clean driving record, and we applied a good driver, anti-theft, and paperless discounts. Price quotes for each insurer are via Quadrant Information Services. The full coverage policy included: $50,000 bodily injury liability per person. $100,000 bodily injury liability per accident. $50,000 property damage liability per accident. $50,000 uninsured motorist coverage per person. $100,000 uninsured motorist coverage per accident. Collision coverage with a $500 deductible. Comprehensive coverage with a $500 deductible. AutoInsureSavings.org uses rate data from Quadrant Information Services. We sourced quotes from insurer filings that are publicly available for rate comparison. |
Sources
The National Association of Insurance Commissioners
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Dec 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.