Knowing that you have a policy with one of the top car insurance companies can help you sleep better at night. While it's good to know that you have a policy with one of the top car insurance companies, you shouldn't go overboard with it and necessarily choose the very top insurer. No two drivers are the same, and a company that matched someone else's needs won't necessarily suit yours too.
What you need to understand is that;
Rather than chasing the perfect ratings – which, by the way, you will never find – you should get quotes from the top few insurers and afterwards choose the right one for you. In no particular order, here are the top car insurance companies in the United States.
Some reviewers say Geico is by far the industry leader when it comes to the quality of services. It is a subsidiary of Berkshire Hathaway, Warren Buffet's mammoth corporation, so you can tell your money is in good hands. Due to the recent media campaigns, it is probably the best known car insurance company in North America.
Founded in the late 1930s, Geico has served millions of people. The Internet is full of reviews from people who have been with Geico for more than forty years and would never dream of switching to another provider.
USAA is rated among the top insurers but, unfortunately, their services are limited to military personnel and their families. Their customers get some unique privileges, like being able to choose any repair shop they want. They offer some of the lowest prices on the market. Despite some voices claiming that the customer support department is "less than responsive", they are still favored by a lot of US Army personnel.
USAA doesn't have a lot of branches in the country, yet they claim to have a nation-wide reach. They have strong offline presences in large metropolitan areas and everybody else can reach them over phone or Internet.
According to the latest statistics, State Farm is the largest insurance company in the United States, with more than 20% market share. Millions of people can't be wrong, so your money is safe with State Farm. They pride themselves in the top-notch customer support they offer – upon signing an insurance contract with State Farm, you are assigned a dedicated local representative that will be your contact person for the whole lifetime of the policy. Rather than calling a toll-free number and hearing a different voice every time, you can talk to the same person.
It is also worth mentioning that State Farm has partnered with American highway authorities and offer free roadside assistance on some highways in some states. For a complete list of roads covered, please consult the company's website.
State Farm is one of the oldest insurers on the market. Founded in 1922, they started off as a mutual insurance company specialized on farmers and soon grew to be ranked among the top 40 companies in the Fortune 500. State Farm is rated as an A+ company by A.M. Best, which is yet another proof that you can't go wrong with them.
The same statistics place Allstate on the second place, with a bit over 10% market reach. Allstate is a well established company with a huge portfolio of insurance offerings – so if you want to run all your insurance policies with the same company then they would be a great solution.
Allstate is an old and well grounded company, with more than 80 years of history. They were the first to realize that accidents may happen even to the safest drivers, so they introduced the "accident forgiveness" program – they don't increase your premium after the first at-fault traffic accident.
Esurance is an innovative company. They were the first to introduce the "virtual insurance office" – a way for customers to buy insurance online. Their portal allows you to pay your bills online, update your contact details, change policy details or sign new contracts. Since they maintain strictly an online presence, Esurance might not be for everybody – there are still people who prefer the traditional method of calling in for assistance.
It's also worth mentioning that, while Allstate doesn't focus on niches like antique and classic cars, they have a partnership with the Hagerty Car Insurance Company, a well-known insurer who mainly deals with old car collectors.
The list is by far non-exhaustive, but these are some of the top car insurance companies in the United States. Again, don't worry about the exact ratings and who is better than whom. You should compare the quotes from these and find the one that works best for you rather than for many other drivers. As already underlined, there is no such thing as "the best car insurance company", but rather a handful of top ones you should choose from.
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