Liberty Mutual just dropped my family because of two claims that were made on my daughters car. She had her car at school freshmen year and It was parked and hit on the rear corner closest to the road. It wasn’t her fault and no one came forward to admit to the accident. She no longer has a car at school, and drives rarely when she’s home. The second accident was when she was pulling out of the carport and her front bumper caught a wooden railing when she was backing out. That was her fault, but an accident. Isn’t that why we have insurance????? Before I got this letter from Liberty mutual, I sang their praises. I will loudly have bad things to say from now on. Don’t count on Liberty Mutual
Auto insurance comparison websites, which let you instantly compare quotes from multiple insurance providers, can be a huge help in your quest for affordable car insurance. They provide accurate, personalized rates, discounts, and coverage options all on one site—much like your favorite travel comparison site that gives you airline ticket or hotel room options all on a single page.
Each insurance company evaluates personal factors in its own way, and they keep their methods as hidden as possible. So we can’t tell you which company puts high value in your occupation or emphasizes a clean driving history more than others. But to help you get going, we can show you a car insurance rate comparison for the same hypothetical driver and car, using average rates from across the country.

While it’s easy to get lured in by insurance providers offering extremely low auto insurance rates, try to remember that price is not the only factor to consider when you’re choosing a car insurance company—in fact, it’s probably not even the most important factor. In normal circumstances, the most noticeable aspect of your auto insurance policy is your premium payment, so it’s easy to focus solely on price. However, when something goes wrong—you get in an accident, your car is stolen, etc.—the other aspects of your insurance policy and the quality of your insurance company will suddenly become a lot more important. If you’ve chosen wisely, your car insurance carrier can make the claims process an easy and relatively pleasant experience; if not, your carrier can make an already miserable situation even worse.
The cheapest car insurance, period, will likely carry the minimum coverage required in your state. In most states, this is liability insurance only, which covers property damage and medical bills for others due to accidents you cause. Some states also require uninsured and underinsured motorist coverage, which pay for your injuries or damage if an at-fault driver doesn’t have enough insurance.
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"Teens are very likely to pick up the habits of their parents,” says J.C. Fawcett of the Defensive Driving School. “A parent should think about. Do I cuss at other drivers while driving? Do I speed? Do I tailgate? The training that comes from students observing their parents is very powerful. If a parent attempts to change their habits only when their teen is learning to drive, it's probably 10 years too late."


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Liability auto insurance protects you from that worst case scenario by providing a cushion between your assets and the amount you’re on the hook for. For this reason, choosing the right auto liability limits is the most important part of your car insurance quote comparison. NerdWallet typically recommends having at least as much liability coverage as your net worth.
Progressive offers a unique discount through a program called Snapshot, a usage-based insurance plan that transmits real driving data to the company. Using a telematic device installed in your vehicle, Snapshot monitors your driving behaviors — such as how rapidly you accelerate or how often you stop abruptly — as well as the miles and times you drive, which can increase your risk of an accident.
I am glad to see USAA at the bottom; but it should not be on the list at all. I am currently going through a claim with them (total loss, I got rear ended, pushed into the car in front of me and they hit the car in front of them; not at fault). I have all correspondence recorded and proof of them lying to me, and using made up regulations to justify it. When asked for the reference for said regulations, I am ignored. I have been throwing WAC at them, quote after quote as to how they are being unruly. This was in December, it is now April and they have YET to give me a valuation report in compliance with WAC. I will be more than happy to provide a copy of our correspondence (with PII edited, obviously), proving how bad USAA is at customer service and how willing they are to break the rules if it benefits them. Email me if you want to see it. I finally had enough and contacted the Washington State Insurance Commissioner; USAA has until the middle of this month to respond to them… We will see what happens next.
We researched 36 of the best auto insurance providers based on their ability to serve customers and actually pay out claims; not just on premium cost. Of course, premiums matter, but since rates depend on many different factors — like your age, driving history, and even your ZIP code — the best way to find the most affordable price on the policy you want is to compare quotes. Use our quote tool above to get started.
Beyond the standard protections, supplemental (or “add-on”) coverage will keep you protected against the additional costs that often come with accidents. Features like car rental coverage may not seem essential when you view them as just another added cost, but the increase in your rate could still be lower than the cost of renting a replacement vehicle if your damaged car is in the shop for a while. The options offered by providers vary widely in both availability and cost. Our favorites offer supplemental coverage options that can build a policy for every profile.
If you can’t imagine the idea of driving a less-than-luxury vehicle while your car is in the shop, Chubb also offers rental coverage of up to $15,000, anywhere in the world. Like many things in life, you get what you pay for: Chubb has above average customer satisfaction ratings and fewer than average complaints, as well as “superior” financial backing for their white glove service.
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If you’re an active or former military member — or related to one — then we highly recommend considering USAA for car insurance. USAA provides exceptional customer service and timely, fair claims payments, as evidenced by top ratings in J.D. Power's customer satisfaction survey and Consumer Reports’ claims satisfaction study. USAA also earns some of the best possible financial scores: “A++” from A.M. Best, “AA+” from S&P Global, and “Aaa” from Moody’s. These ratings mean that USAA promises rock-solid backing for your policy, as well as a stable credit outlook in just about any economy.
J.D. Power ranks Farmers Auto Insurance better than most for claims satisfaction — an important endorsement, considering that on-time and fairly-sized claim payouts are the ultimate goal of insurance. Besides that, Farmers has a great coverage selection. A few options, like new car replacement and custom parts coverage, we didn’t see among all our top picks. We also like the company’s accident forgiveness program, which “will forgive one at-fault accident for every three years you drive without one.”
Progressive offers a unique discount through a program called Snapshot, a usage-based insurance plan that transmits real driving data to the company. Using a telematic device installed in your vehicle, Snapshot monitors your driving behaviors — such as how rapidly you accelerate or how often you stop abruptly — as well as the miles and times you drive, which can increase your risk of an accident.
If you only drive for part of the year, you may want to consider a plan that is designed for those who drive fewer than 10,000 miles per year. Plans from Metromile are often much cheaper than a standard policy because they are broken into a base fee per month and a per-mile rate that only kicks in if you drive your vehicle. Do not worry, you won’t have to calculate your mileage – the policy comes with a plug-in device. That same device can also help you find your parked car and calculate your gas mileage, and the app that it comes with can give you alerts on no parking times so that you can avoid getting unnecessary tickets!
If you have a healthy balance in your savings account, you may be able to get away with a higher deductible and save significant money on your premiums—but don’t try this if you have little or no money saved. In that case, if you have a high deductible and get in a serious accident, you’ll either end up buried in debt or unable to pay your car repair bills. Stick to a deductible that’s equal to, or preferably less, than the amount you have tucked away in savings.

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On the other hand, if you’re still paying off your vehicle both comprehensive and collision coverage are likely required by your lender, and the lender may also set a maximum deductible on your coverage or have other requirements in place. Check with whichever company is providing your auto loan before giving up this coverage or changing your deductibles or coverage limits.
Allstate scored in the middle of the pack in J.D. Power’s 2018 Auto Insurance Study (mostly due to its higher premiums), but we’d still recommend it over The General. It dwarfs The General when it comes to discounts and supplemental coverage — meaning that going with The General’s cheaper sticker price doesn’t actually guarantee that you’ll pay less.
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