The Best Car Insurance Companies of 2022
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Not every auto insurance provider is the same. To understand more about drivers’ experiences with auto insurance, we polled more than 10,000 of them. We paid particular attention to important factors like customer service, claims processing, and brand loyalty. We evaluated the top vehicle insurance providers of 2022 using that information to help you choose the best.
Which Car Insurance Company Is Best?
Our data from 2022 show that USAA is the finest auto insurance provider, however only military personnel can purchase its insurance policies. If that doesn’t apply to you, State Farm, which ranks No. 2 in our research, is your next best choice.
We looked at rate information as well as policyholder opinion to identify the top auto insurance providers, paying close attention to customer service, claims management, customer loyalty, and policy renewal. We also questioned survey respondents how likely it was that they would suggest their current insurance provider to a driver looking for a new coverage.
This list can assist you in comparing insurers for auto insurance depending on the criteria that are most important to you. Although USAA and State Farm are at the top of the list, one of the other eight firms may be a better option for you. As a result, it’s a good idea to research the costs of several insurers before you buy or renew your insurance.
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| Company | US News Rating | Average Annual Rate |
| 1. USAA | 4.3 | $1,000 |
| 2. State Farm | 4.2 | $1,267 |
| 3. Farmers | 4.1 | $1,917 |
| 3. Nationwide | 4.1 | $1,327 |
| 3. Geico | 4.1 | $1,148 |
| 6. Allstate | 4.0 | $2,047 |
| 6. Travelers | 4.0 | $1,371 |
| 8. Progressive | 3.9 | $1,533 |
| 8. AAA | 3.9 | $2,409 |
| 10. American Family | 3.7 | $1,371 |
When it comes to renewing their policy, 76 percent of State Farm customers who have not yet filed a claim say they are likely or very likely to stick with their existing insurer. The proportion of respondents who have made a claim falls to 69 percent.
Customer loyalty is best when: Nationwide and USAA
A policyholder’s readiness to suggest their insurer and renew their coverage is an indication of their level of customer loyalty. It should come as no surprise that USAA places #1 in this subrating given its outstanding renewal and recommendation scores. If USAA isn’t an option for you, think about Nationwide. In our Most Likely to be Recommended category, it comes in second, and in our Most Likely to be Renewed category, it performs above average.
Additionally joining the list of businesses with above-average customer loyalty rankings are State Farm, Travelers, and Farmers.
How much does automobile insurance run?
Our most current research indicates that the average cost of auto insurance is $1,539. However, a number of factors, such as the following, could result in your premium being higher or lower:
Age Driving History Location
Type and scope of protection
Credit rating
available reductions for auto insurance
Quotes for auto insurance are the quickest way to learn what you might have to pay. Get vehicle insurance rates online, over the phone, via email, or in person by speaking with an agent.
How much automobile insurance do I require?
Your insurance needs will vary depending on a number of variables. State standards are one of the most crucial predictors of how much coverage you might need. The majority of states have legislation requiring drivers to obtain a certain level of liability insurance. Other types of insurance, such as uninsured motorist coverage and personal injury protection, are also mandated by some jurisdictions for drivers (PIP).
Any requirements set forth by a lender or lessor come next. The amount of insurance you must carry is specified in your loan or lease agreement if you pay for your vehicle in monthly installments. Consult your loan contract or lease with your landlord or lessor.