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Best Car Insurance Companies for 2020 by Region & State

Everyone knows car insurance is a necessity and required by law. 

Further, the price of an auto policy is climbing twice as fast as the rate of inflation.

Drivers, like you, want the best car insurance companies at an affordable price.

On the other hand, insurers need to claim more than a cheap price.

They must have high customer satisfaction, a straightforward and easy claims process, and the best technology such as mobile apps. 

Shopping for Auto Insurance

Shopping for car insurance can be overwhelming for buyers.

The best thing to do is follow the recommendations offered by the National Associations of Insurance Commissioners (NAIC) guidelines to find the best policy.

Here are the tips the NAIC and Bankrate recommends: 

1. Be sure to read auto insurance company reviews.

2. Request quotes from three or more companies then compare the details.

3. Narrow down your options to 1 or 2 carriers then check with your state insurance commissioner if the company is properly licensed.

4. Call your insurer directly and ask about coverage details.

5. Once covered, don’t let your coverage lapse by missing a payment.

Rated best car insurance company by overall, customer service, policy options, discounts and technology.Note: In our review of the best auto insurance companies we picked the following categories for each. Overall best, customer service, policy options, discounts, technology and military. Too find out who, read on below.

Best Car Insurance Companies 2020

We have analyze the best auto insurance companies in every region of the United States from JD Power, AM Best, and most important, consumer reviews and reports.

– Overall: Amica Mutual

– Customer Service: Erie

– Policy Options: Travelers

– Discounts: Allstate

– Technology: Esurance

– Military: USAA

Best Overall Car Insurance Company: Amica

Amica is the strongest overall company in the U.S. and has since 1999 and with the highest rating from JD Power.

Among customer satisfaction they are the highly rated for the best auto insurance.

They offer coverage limits as high as 5 million while competitors may offer only $500,000.

Amica offers excellent coverage options with their Platinum Choice program.

Pros Cons
Highest scores in claims satisfactionFairly Selective
Online quote generatorDividend and non-dividend selection process is confusing
Low customer complaintsFew discount opportunities
Easy to change coverage options

Customer Service: Erie

For the past five years Erie has received JD Power’s highest customer satisfaction rating.

The best features offered from Erie are their generous discounts, rate lock program, and a vanishing deductible.

With all the features, Erie has become the best car insurance company from New York to North Carolina or the Mid-Atlantic region.

Pros Cons
Low cost compared to major brandsCustomers claim online quote is different from final quote.
Multiple discounts availableLow tolerance for risk after claims
Rate lockLimited availability in only 12 states
Vanishing deductibleAverage customer loyalty

Policy Options: Travelers

Travelers is one the few companies offering discounts for hybrid vehicles.

They have an impressive list of discounts, policy bundling, and strong coverage options.

Travelers is available in 42 states making them one of the best and largest car insurance companies.

Travelers is an excellent choice for drivers in need of multiple coverage options.

ProsCons
Multiple policy lines availableCustomer complaints reported with billing
Network of local insurance agentsFee for paying by check
Lots of available coverage optionsLimited availability for rideshare policy.
Accident forgivenessHigher than average premium

For Discounts: Allstate

Allstate is known for higher than average rates, but they have a broad range of coverage choices.

If you apply their above average discount options your rate should be more affordable.

Drivers with more expensive vehicles can find the best auto insurance coverage in nation through Allstate.

You can get more coverage for less if you take advantage of Allstate’s redeemable rewards through their safe driver program.

ProsCons
Accident forgiveness, new car replacement and a safe-driving bonus every six monthsCustomer satisfaction lower than average
Student-Away-at-School discountOnly six month policy
Offers coverage for high-end audio equipment & ridesharePurchase experience below average

For Technology: Esurance

Esurance has the best technology and mobile app development among even top insurers.

Customers like the claims process by uploading an image via their app and getting paid within a day or so.

There is the ability to have video chat with an appraiser and get paid almost immediately after filing a claim. 

Drivers in California have rated Esurance as the best car insurance company for customer satisfaction according to JD Power.

ProsCons
Variety of discounts, multi-policy discounts, online shopper, roadside assistance, and claim free discountsClaims and payouts process
Backed by AllstateHigher than average prices
Excellent JD Power ratingHigh complaint rating
Technology and mobile appTransaction fee for monthly payments

For Military: USAA

USAA has been the best auto insurance company for members of military and their relatives for years.

There is no better option for qualified drivers.

USAA has the reputation for earning a perfect score with JD Power.

Those getting an auto policy through USAA will have optional lines of home, rental, banking, and investment services.

ProsCons
Excellent customer satisfaction ratingAvailable to members of the U.S. Military and relatives
Low number of complaintsFew physical locations
Complete line of car, home, property, banking, and investmentsNo guaranteed renewal

By Region

Below is a list of the best companies by region from JD Power’s 2019 auto insurance study.

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 company and average premium price.

CompanyRegionCustomer satisfaction Claims serviceFinancial StrengthAverage Premium
EsuranceCalifornia5/54/5A+$812
Auto Club of Southern CaliforniaCalifornia4/5 3/5A+$865
AllstateFlorida4/54/5A+$932
Liberty MutualFlorida3/54/5 A$1,043
TX Farm BureauTexas5/54/5A-$983
USAATexas5/54/5A++$788
New York Central MutualNew York4/54/5A$1,397
TravelersNew York4/53/5A++$1,439
Erie InsuranceMid-Atlantic5/55/5A+$1,234
NJMMid-Atlantic5/55/5A+$1,285
ShelterCentral5/54/5A$986
Auto-OwnersCentral4/54/5A++$1,043
Amica MutualNew England5/55/5A+$1,020
WestfieldNorth Central4/44/5A$1,087
Indiana Farm BureauIndiana5/54/5A-$971
PEMCOWashington4/54/5A+$1,277
American FamilyNorth West4/53/5A$1,186
Farm Bureau Insurance - TennesseeTennessee5/53/5A+$1,282
The HartfordSouth West3/53/5A+$1,179

By Market Share

Here is the information from the National Associations of Insurance Commissioners (NAIC) ratings of insurers by market share.

The companies listed have established themselves as the best companies due to superb claims handling, low cost and excellent customer satisfaction.

CompanyWritten PremiumsMarket Share
Berkshire Hathaway$43,869,809,3856.50%
Liberty Mutual$34,605,081,2175.13%
Progressive$33,754,922,8945.00%
Allstate$33,251,176,4004.93%
Travelers$26,244,171,5903.89%
Chubb$22,008,957,1113.26%
USAA$21,984,970,0843.26%
Farmers$20,309,965,6203.01%
Nationwide$18,416,860,9372.73%
American International (AIG)$14,724,754,8982.18%
Zurich Group$12,412,211,3131.84%
The Hartford $11,054,644,065 1.64%
CNA Group$10,690,865,2521.58%
American Family$8,939,812,246 1.32%
Auto-Owners$7,918,031,3401.17%

Best Companies by State

Listed below are the best auto insurance companies by state.

Included in the list are companies more competitive by price than feature and discounts.

For example, Esurance is rated the best in California according to JD Power, but we have replaced Auto Club of Southern California since they offer a lower price with the same coverage when comparing quotes.

In many states we removed USAA as being the “best” since many drivers do not qualify.

In states like Virginia and North Dakota, with numerous former military, USAA is the best choice. 

StateCompanyStateCompany
AlabamaNational GeneralMontanaProgressive
Alaska Liberty MutualNebraskaFarm Bureau Financial Services
Arizona FarmersNevadaAllied
Arkansas FarmersNew HampshireConcord
California Auto Club of Southern CaliforniaNew JerseyNJM
Colorado ProgressiveNew MexicoFarm Bureau Financial
Connecticut AmicaNew YorkNew York Central Mutual
DelawareGrangeNorth CarolinaAuto-Owners
Florida Florida Farm BureauNorth DakotaUSAA
GeorgiaAuto-OwnersOhioErie
Hawaii Fireman's FundOklahomaOK Farmers Union
IdahoAmerican NationalOregonCountry Financial
Illinois UniquePennsylvaniaHarleysville
IndianaIndiana Farm BureauRhode IslandTravelers
IowaWestern NationalSouth CarolinaSouthern Farm Bureau
KansasFarmersSouth DakotaFarmers Mutual of Nebraska
KentuckyKentucky Farm BureauTennesseeTennessee Farmers Mutual
LouisianaSouthern Farm BureauTexasTexas Farm Bureau
MainePatriotUtahBear River
MarylandProgressiveVermontCo-operative
MassachusettsNorfolk & DedhamVirginiaUSAA
MichiganChubbWashingtonPEMCO
MinnesotaFarm Bureau MutualWest VirginiaProgressive
MississippiUnitrinWisconsinPartners Mutual
MissouriFarmersWyomingSafeco

California

Auto Club of Southern California has been in business for over 100 years. 

Though Esurance is rated higher in California according to JD Power, Auto Club of Southern California offers the same coverage with 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
  • Claims Free
  • Defensive Driver
  • Full Payment
  • Good Grades

When comparing quotes against similar companies in California, Auto Club is offering basic premiums for less.

Coupled with a broad range of discounts and mechanical breakdown coverage, they would be worth getting quotes from if you live in California.

Besides the liability coverage offered, you can get additional add-ons listed below:

  • Modified vehicle
  • Travel expense
  • Rental car
  • Non-owner liability
  • Gap coverage
  • Emergency roadside assistance

ProsCons
Locally available agentsGetting coverage can be cumbersome
Excellent roadside serviceNo accident forgiveness
Generous with policy discountsNo rideshare coverage

If your looking for additional companies to put on your list to get quotes in California then consider Ameriprise, Wawanesa and Safeco.

All three companies have high marks in customer satisfaction and policy offerings. 

Texas

Texas Farm Bureau has consistently offered competitive rates across Texas.

The only drawback is the lack of coverage options.

Otherwise, Texas Farm Bureau specializes in basic coverage offering low rates and has many happy customers to prove it.

In JD Power’s 2019 study, TX Farm Bureau receive excellent ratings in price, billing process, and claims.

Numerous discounts are offered such as:

  • Anti-theft
  • Bundling
  • Good student
  • Defensive driver

If you are driver looking for basic coverage without special add-ons, Texas Farm Bureau is the best car insurance company in Texas. 

ProsCons
Good discount offeringsDoesn’t reward loyal customers
Flexible billing optionsFew coverage options
Local agents offering a personal touch to residents No rideshare, short term, or temporary coverage
24/7 and digital claims processNo accident forgiveness

Other companies to put on your list of quotes would be Nationwide, Progressive, and Allstate.

All three companies were ranked well in JD Power’s study of Texas.

Florida

To find the best car insurance company in Florida we had to sacrifice price slightly and go with financially stable company – MetLife.

They have been in business for over 150 years and offers longer-than-standing policy lengths at 12 months.

MetLife’s prices are slightly higher than average, however, with a suite of discounts offered you should be able to get your premium down significantly.

MetLife’s array of coverage and features include:

  • Rental car
  • Major parts replacement
  • Glass repair w/o deductible
  • Legal defense fund
  • Custom sound system coverage

If you have access to MetLife’s mobile app, you can use it to pay bills, file claims and viewing of your policy.

The most noticeable consumer complaint is the long wait time and lack of communication after filing a claim. 

ProsCons
Online claims filingMinimal opportunities for savings with discounts
Group discounts through work for qualified employeesBelow average claims satisfaction
12 month policyPoor web experience
Excellent financials No accident forgiveness

If you reside in Florida, other companies to put on your list to get quotes is Florida Farm Bureau, Esurance, and Liberty Mutual.

Esurance and Liberty Mutual scored higher than average on JD Power’s latest study.

While Florida Farm Bureau requires membership.

The membership outweighs the low cost and quality features to consider them as one of the best auto insurance companies in Florida. 

New York

New York drivers can get a low cost policy with features of a nationwide company with New York Central Mutual.

JD Power’s recent study ranked them as the best company with policy offerings, customer satisfaction, and price. 

As a mutual company, NYCM pays out dividends to their customer base.

You could get cash back at the end of the year based on company profits.

Since they are a mutual company paying out dividends, their discount selection is slim.

They do have:

  • Bundling
  • Homeowner
  • Auto-pay
  • Driver training

New York Central Mutual has optional roadside assistance and rental car coverage for those who need a vehicle while theirs is being repaired.

Other coverage options include:

  • Personal injury
  • Medical payments
  • Comprehensive
  • Collision

If you do qualify for any discounts you can get from 2% to 30% off your premium.

ProsCons
Flexible billing optionsCustomers claim rate increase at policy renewal
24/7 support & roadside assistanceComplicated claims process
12 month policyNo rideshare, temporary or short term coverage
Variety of coverage options

Another company to put on your list to get quotes is Travelers.

They are ranked well in JD Power’s car insurance study with price, billing process, and policy information and interaction.

Carmoon Group, though not ranked and only 20 years old, is another company to consider.

Particularly if you weigh price heavily when looking for the best company in New York.

Pennsylvania

New Jersey Manufacturers Insurance Company has been selling insurance for 100 years.

Up until 2018, NJM insurance limited themselves to members only.

Now they are offering policies to the general public.

This makes NJM one of the best car insurance companies in Pennsylvania.

Since they are a mutual company, they pay their customers dividends with some consumers reporting dividends as high as 8%.

NJM offers standard coverage such as:

  • Collision
  • No-fault protection
  • Liability
  • Personal Injury
  • 24/7 roadside assistance

Along with standard coverage, NJM 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 according JD Power’s recent study.

If you are in the market for a new policy while looking for an excellent company in Pennsylvania, then put NJM on your list of quotes. 

ProsCons
Competitive ratesNo coverage on mechanical breakdown and personal property
Exceptional customer service with free roadside assistanceCoverage in only 2 states - Pennsylvania and New Jersey
Excellent claims process
Low complaints

If you are resident of Pennsylvania, other companies to explore are Erie, Nationwide and Plymouth Rock.

Erie is ranked 1st in JD Powers recently study for customer experience and claims satisfaction.

While Nationwide and Plymouth Rock ranked 7th and 8th respectfully.

Illinois

If you are looking for an excellent company in Illinois, you should explore Westfield.

They have been in business since 1864 and one of the 50 biggest property and casualty insurers in the U.S.

Westfield is ranked number one in JD Power’s recent auto insurance study in the areas of interaction, claims, and overall customer satisfaction.

Including the basic coverage, Westfield offers the following features:

  • Roadside assistance
  • Rental cars
  • New car protection

The pricing of Westfield policies initially are higher than average.

However, if you apply their nice array of discounts you should get a lower rate.

Below is their list of discounts:

  • Bundling
  • Loyalty
  • Military
  • Anti-theft
  • Defensive driving

There is another feature Westfield offers called Wespack.

With Wespack you can insure a high-value home and vehicle with preferred options.

The package comes with replacement cost coverage, identify theft and roadside assistance.

The do have a high number of complaints according to BBB.org which should be something to consider while shopping for a premium with Westfield.

ProsCons
Competitive ratesNo accident forgiveness
Policy discounts are excellent if you get themNo ridesharing coverage
Strong financial standingNo free policy cancellation
Customizable packages

Since getting three or more quotes is a good idea to find the best auto insurance company, you should explore Indiana Farm Bureau, Erie and Country Financial in Illinois.

All three insurers ranked high in JD Power’s study with an emphasis on policy offerings, price and overall satisfaction.

Ohio

Shelter is the best company in Ohio with excellent ratings from JD Power’s study of top companies in the central region of the U.S.

They scored 5/5 in areas of claims, price, and overall satisfaction.

The only drawback with Shelter is you have to go through an 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 coverage with policies as high as $500,000 for liability.

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 coverage and protection by adding:

  • Gap coverage
  • Rental 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. 

ProsCons
Network of 1,400 agentsCan'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 phoneNo accident forgiveness

While NAIC recommends to get three or more quotes, the best auto insurance companies to explore in Ohio are The Cincinnati, Erie and Westfield.

All three insurers ranked high in AM Best’s and JD Power’s study with a focus on price, claims, and policy offerings. 

Georgia

Even if you are not part of Alabama Farmer’s Federaton (AFF) you should consider one of the best auto insurance companies in Georgia – Alfa.

We think the coverage options and price would be worth the extra cost for non-members by getting quotes from Alfa.

Alfa ranked well in JD Power’s recent study with a focus on the billing process, price, and customer satisfaction.

The only drawback is consumer reports of subpar interaction after the claims process.

Alfa insurance has been around since 1946 and offers basic liability coverage with additional features such as:

  • Comprehensive
  • Collision
  • 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 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
  • Homeowner
  • Airbags
  • Anti-theft

Alfa doesn’t offer information about exclusions or coverage limits.

You will have to call a local agent to find what’s covered or not.

ProsCons
Special discounts and benefits for AFF (Alabama Farmers Association)Extra cost for non-farmers
Excellent financial strength ratingNo travel expenses or trip interruption coverage
Rewards safe driversCustomer complaints of slow claims process
Coverage for loss of clothing and luggage in a crashExcellent coverage in Georgia

Other insurers to consider in Georgia are Auto-Owners and USAA.

Both ranked excellent in JD Power’s study with a focus on price.

North Carolina

If you are looking for the best car insurance company in North Carolina with a wide array of coverage and discounts, your best choice is NC Farm Bureau.

The perks are not up to par as with a national company, but we think the low cost with NC Farm Bureau is worth it.

They ranked well in JD Power’s recent study with high marks in price and overall customer satisfaction.

NC Farm Bureau offers the basic liability package 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 NC Farm Bureau is the lack of customer service which is available only Monday through Friday.

Plus, their website is lackluster and your not able to sign up online.

ProsCons
Wide array of coverage options and discountsClaims process cumbersome
Regional expertiseNo 12 month premium option
Optional roadside assistanceUnable to sign up online

According to JD Power’s analysis, optional 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. 

Michigan

Michigan Farm Bureau ranked good on JD Power’s and AM Best’s recent analysis of top insurers in Michigan or north central region of the U.S.

MI Farm Bureau was founded in 1949 with a niche for farmers.

Recently, they have started to offer policies to city dwellers.

You might not get policy offerings as from nationally recognized companies, you do get low cost, decent 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 a higher than normal auto insurance quote initially with MI Farm Bureau, you could lower it substantially with the nice array of 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 is able to get excellent coverage at a cheap cost through them.

ProsCons
Excellent FinancialsNo mobile app or online quote
Top rated company with AM BestNo 12 month premium option
Good discount offerings

Other insurance companies to put on your bucket list of quotes in Michigan would be Country Financial and The Hartford.

Both companies ranked well in recent studies with high marks in customer satisfaction, claims and policy offerings.