The Best Car Insurance Companies of 2024
While Travelers is the highest-rated provider overall, the best car insurance company for a specific person can vary significantly depending on one’s overall needs. In the sections below, we give you an in-depth look into each of the top auto insurance companies on our list.
Car Insurance Buying Guide
Our editorial team spent hundreds of hours combing through data to assess the landscape of the insurance industry. Through this research, we isolated the most important factors to consider when shopping for car insurance, each of which we highlight in detail in the sections below.
How To Find the Best Car Insurance for You
Being a top-rated national insurer doesn’t mean a car insurance company offers the best coverage for your needs and budget. With the amount of information drivers need to know about policies, finding the best car insurance for their situation can be tricky.
To find the best car insurance for you, follow these 10 steps:
1. Consider Your Timing
Shopping for coverage at the right time can impact the price of your policy. Since auto insurance rates change frequently, we recommend comparing your rates every six months to see if your current insurer is still the best fit for you.
2. Know How Much Car Insurance You Need
Most states — except for New Hampshire — require drivers to carry car insurance to legally drive. Each state sets its own basic minimum requirements, but they usually include varying amounts of liability coverage. Additionally, some states require drivers to hold uninsured motorist coverage and personal injury protection (PIP) insurance.
3. Consider Smaller Local Car Insurance Companies
National car insurance companies typically offer a greater number of add-on benefits and discounts and have better-known reputations. However, it’s good to compare large and regional companies in your area because you may get more unique coverages, better deals and a more personal customer experience with a smaller insurer.
4. Read Car Insurance Reviews
Once you know what’s available, it’s important to read reviews for the companies you’re considering to get a sense of the customer experience with each.
5. Know Where You Can Purchase Auto Insurance
Auto insurance companies sell coverage through a variety of channels. Understanding the benefits and drawbacks of each, which are highlighted in the table below, can play a major role in the price and personalization of your coverage.
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