I was with Liberty Mutual for about 15 years and was very satisfied with their prices and service, although I never filed a claim. When I retired and moved from California to Florida, my auto rate went up a ridiculous amount, to almost $10,000 a year even though I had no accidents and one minor moving violation in the last ten years. On top of that, Liberty Mutual screwed up my umbrella policy and told me it was “unenforceable,” whatever that means, but I had to pay for the policy anyway up to the time I canceled and switched to Progressive, which cost about one third the cost of Liberty Mutual for an identical policy. Even good companies change over time.
Any car insurance comparison tool you look at should have your state’s minimum car insurance requirements pre-loaded into its options. States requiring PIP or medpay are generally referred to as “no-fault” states, meaning that when injuries occur, each driver in a crash makes a claim with their own insurance company to pay for them. Beyond the PIP or medpay limit, the at-fault driver’s liability insurance kicks in to cover the rest.
Also, we accept most cars and drivers. (Yes, that means you too!) We offer free auto insurance quotes for drivers that have had a history of driving violations or accidents (in most cases considered high-risk drivers), have let their insurance expire, or have less than perfect credit. We always offer the same flexible rate plans and outstanding customer service, regardless of your driving record.
Auto insurance rates in California are among the most expensive in the nation, with annual premiums of $1,665 per year on average. Additionally, auto coverage rates in the state have increased 13% from 2017 to 2019 across the 10 largest insurers. While some price hikes are unavoidable, the best way to get low rates is to shop around and compare quotes.
There are a million things to worry about when you’re involved in an accident. Whether or not your insurance company will be able to pay your claim shouldn’t be one of them. A strong financial rating is the best way to guarantee your provider can pay what you need, when you need it, so we made sure all of our picks had strong ratings based on the Insurance Information Institute’s (III) guidelines.
Ameriprise was the winner of the J.D. Power study, scoring a 5/5 stars overall. They got top marks in their billing practices and in the flexibility of policies they offer to customers. They had slightly lower marks in their claims handling process (4/5) as well as their agents' interaction with customers. We could not get pricing for Ameriprise but the company is generally known for offering affordable and competitive rates.
Fresno’s 495,000 residents are just a short day trip’s drive of less than 80 miles from Yosemite and Sequoia National Parks. We found the most affordable car insurance rates in Fresno at GEICO, Nationwide and State Farm. Across those three insurers, the mean price was $1,085 for our sample 30 year old driver. This amount represents a 46% discount to the average Fresno rate. Rates for the top five cheap local auto insurers are as follows:
USAA’s adjustor knew he messed up big time. He told me that & I said no I don’t agree & I’m not accepting that, so, I guess you need to finish this conversation with my lawyer. He promptly snarkily replied we can’t talk if you have a lawyer… I said I guess we can’t talk then here’s his number & hung up. I think he had enough time to Google my lawyer & he called me back to back 3x. The 3rd one I said you said we can’t talk so we’re not talking. You are finishing it with my lawyer… click. I’m done messing around @ this point. I hurt. I can’t get to my follow-up doctors appointments & they’re trying to screw me out of fair market value for my truck. Just no way.
The Zebra didn’t allow me to customize coverage preferences, forcing me to choose one of four pre-assembled packages. It also didn’t list which companies allowed which discounts, making their earlier list of pre-qualified discounts less useful. On the right side of the page, the site provided an “Insurability Score” listing the factors that insurance companies use to set rates and grading the information I’d provided during the quoting process, which could help drivers looking to improve their rates in the future.
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.

Farmers Insurance fell just shy of the benchmark we set for financial stability. It took earned an “A” from A.M. Best (passing), and an “A” from S&P Global (two steps below the required “AA-”). These scores mean that Farmers has strong financials, and offers solid backing for your policy — it’s just a little less likely to weather a major financial crisis than other companies. This is why, like Liberty Mutual, we don’t rank it among the best of the best.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.
Advertising Disclosure: TheSimpleDollar.com has an advertising relationship with some of the offers included on this page. However, the rankings and listings of our reviews, tools and all other content are based on objective analysis. The Simple Dollar does not include all card/financial services companies or all card/financial services offers available in the marketplace. For more information and a complete list of our advertising partners, please check out our full Advertising Disclosure. TheSimpleDollar.com strives to keep its information accurate and up to date. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product's website. All products are presented without warranty.
My car was totaled and also Geico made superb service. The allowed me to have a car an added week. My adjuster maintained in continuous contact with me making me knowledgeable about what was happening with my insurance claim. I obtained my accident settlement in a timely manner. It was so fantastic to understand I chose the ideal insurance provider for my automobile. I intend to return to Geico when I acquire a new Acari.

Everquote also provided checkboxes to opt out of receiving calls and emails from agents. However, under the “Show My Quotes” button, the usual legal boilerplate informed me that by clicking the above button I was providing express written consent to be contacted by Everquote and a whole laundry list of insurance companies and partners, whether or not my phone number was on the Do Not Call list.

Results: The final page offered five quotes ranging from $141 per month to $215 per month, and three links to other websites that I could use to get additional quotes. Unlike the other comparison websites, the quotes weren’t in any order (the others sorted their results from smallest to largest). Each quote included a company rating, policy features and a button that would either take you to the company’s website or allow you to compare it with another company. A list of options on the left side of the page allowed me to check off the features that I wanted to include, and eliminated companies not offering those features.


Shopping for car insurance? You've come to the right place! State Farm keeps you and your family covered with great auto insurance that's also a great value. Get an online auto insurance quote, or find a car insurance agent or representative, any time, day or night. Either way, you'll learn how competitively priced auto insurance from the industry leader can be.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.
It’s important to note that every company considers credit very differently, and even among insurers this factor fluctuates by state. For example, NerdWallet’s 2019 car insurance rate analysis indicates that while State Farm charges higher rates for poor credit in many states, it doesn’t seem to do so in Maine. Similar variations are true for many other companies as well.
Auto-Owners Insurance is available in 26 states located primarily in the South and Midwest. It uses an agent-only model that promotes customer relationships, so it’s a great choice if you prefer talking to a human being. The company also scored a nearly perfect score in J.D. Power’s 2018 satisfaction report, falling short only in the realm of its rental car experience.
One of the best features we like about Allstate's auto insurance is their network of agents. They're well-versed in the various auto insurance coverage types as well as Allstate's features and benefits. With over 20,000 sales representatives, and 9,300 agencies across the United States, there is sure to be an agent within driving distance. We also like that Allstate has added a number of thoughtful components to their policies with their customers in mind. For example, Allstate offers a Claim Satisfaction Guarantee for any policyholder unhappy with their claims payout or experience. They also offer accident forgiveness and safe driving bonuses as optional features. All in all, we recommend that drivers who prefer in-person interactions consider Allstate as their car insurance company.
Large insurance companies analyze a huge amount of customers’ personal data, such as social media posts, credit scores, and even your web shopping habits. Then, they churn the data through a proprietary algorithm that estimates how likely you are to shop around or just renew your existing policy each year. By doing so, they can increase your premium just enough to raise their profit margins without attracting your attention and prompting you to shop for a new policy.
Auto-Owners Insurance Group is another powerful contender for customer ratings. In terms of claims satisfaction, Consumer Reports gives Auto-Owners a 93 (eighth place out of 27 companies rated), and J.D. Power dubs the company “better than most.” It also took first place for customer satisfaction in J.D. Power’s survey of the North Central region. To top it off, Auto-Owners matches the coverage selection at other top companies. Add-ons like roadside assistance, rental reimbursement, GAP insurance, new car replacement, and accident forgiveness can help to round out your policy.
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.
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