Geico sells insurance in Hawaii

The largest auto insurance companies

District farm

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advantages
  • Over 18,000 local agents

  • Rated highly for customer satisfaction and sophisticated service

  • Wide range of insurance products with good discounts

disadvantage
  • There are currently no insurance offers in MA or RI

County Farm is the largest auto insurer in the United States. With an easy-to-use website and a network of over 18,000 local agents, the company makes it easy to learn and buy auto insurance policies. State Farm also offers insurance for your boat, RV, motorcycle, home, health, small business and more so you can cover all of your bases. The company also has many discounts, such as up to 17% off for bundling auto and home insurance and up to 30% off on safe driver programs.

State Farm ranks above average for overall customer satisfaction and, according to J.D. Power some of the highest claims satisfaction ratings compared to other national insurers.

  • AM Best rating: A ++ Superior
  • Direct Rewards: $ 40.9 billion

GEICO (Berkshire Hathaway)

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advantages
  • 24/7 service with consistently high customer satisfaction

  • High level online tools and digital services

  • Lots of discounts

disadvantage
  • Customer service has a digital / phone focus which can be a disadvantage for policyholders who want personalized service

GEICO is a subsidiary of Berkshire Hathaway and the second largest auto insurer in the country. GEICO has established itself as a leading provider of digital tools and is a great choice for both tech-savvy and traditional customers. The company offers online listings, online policy management and a top-notch app that you can manage and report claims on, chatbots for virtual assistants, and even the option to interact with your policy through Siri, Google, or Alexa. For a more traditional service, GEICO also offers 24 hour customer support online, through a call center and through local agents. The company offers all of the usual auto insurance policies, plus some extras and a long list of discounts. According to independent surveys by J.D. Power the best auto insurer for auto insurance purchase and number 1 in 19 for customer satisfaction with the digital experience.

  • AM best rating: A ++ (Superior)
  • Direct Rewards: $ 34.9 billion

Progressive

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advantages
  • Easy online quotes with multiple options to help you find the best price

  • Name your pricing tool

  • Additional coverage options like GAP coverage, ridesharing and auto insurance in Mexico

disadvantage
  • The snapshot program can lead to increased rates for high-risk drivers (around 20% of participants see an increase).

  • Quotes can affect your credit score

Founded in 1937, Progressiv is the third largest auto insurer in the United States, providing 24/7 telephone customer support. Progressive stands out from the crowd with its Name Your Price option and the Compare Quotes feature that lets you get quotes from other insurers so you can compare prices side by side. (However, we still recommend soliciting quotes directly from other insurers to ensure they are accurate.)

Progressive was also a pioneer in usage-based insurance with its Snapshot program, which offers discounts on your premiums if you have safe driving habits. As a top insurer, the company offers all of the standard auto insurance policies you need, plus a range helpful add-ons like carpooling. GAP coverage and Mexico auto insurance.

  • AM best rating: A + (Superior)
  • Direct Rewards: $ 31 billion

Allstate

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advantages
  • New car replacement for cars under two years of age

  • Extensive list of discounts

  • Pay-per-mile and safe driver-based insurance programs offer rewards

disadvantage
  • Drivewise, Milewise, and Accident Forgiveness are not available in all states

  • The cost will vary depending on whether you are shopping from a local agent or online

Known for its “You are in good hands” slogan, Allstate is the fourth largest auto insurer in the US Review of Allstate Auto InsuranceWe found it offers good discounts and savings for drivers of all ages, including good savings programs for teenagers and young drivers, safe driver discounts through the Drivewise program and a pay-per-per-mile program called Milewise. The company also helps protect your driving record through accident forgiveness.

  • AM best rating: A + (Superior)
  • Direct Rewards: $ 23.6 billion

USAA

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advantages
  • All over the country first for customer satisfaction

  • Coverage and discounts for members of the military

  • Policyholders can receive distributions

disadvantage
  • Available to military personnel and their families only

  • Some discounts or programs may not be available depending on your location or if accidents or convictions are recorded

USAA is a member-owned organization that provides insurance only to members of the military and their families. USAA's auto insurance includes features tailored to the needs of service members, such as: B. a discount of up to 60% if you keep your car while in use. USAA also offers many other discounts for good students, policyholder children (up to 10%), and loyal members (the discount increases with membership). One benefit of USAA membership is that you are entitled to dividends, rewards, and payouts. In addition to auto insurance, USAA offers other insurance, financial services, and banking products so members can meet all of their financial needs in one place.

Due to USAA membership requirements, she cannot be included in J.D. Power to be absorbed. J.D. However, Power rates how satisfied customers are with USAA auto insurance, and these scores are consistently higher than those of its competitors.

  • AM best rating: A ++ (Superior)
  • Direct Rewards: $ 15.2 billion

Liberty Mutual

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advantages
  • Good selection of valuable optional auto insurance

  • Highly ranked for the digital customer service experience

disadvantage
  • Overall customer satisfaction varies by region (from average to below average).

In addition to basic car insurance, Liberty Mutual offers many options that allow you to customize your policy. For example, if you sign up for the Liberty Mutual Deductible Fund, you can pay an additional $ 30 in rewards each year so on lowers. The company also offers GAP coverage, options for replacing original parts, and replacing new or better cars can be an advantage over the devalued value statements normally provided by standard auto insurance for total loss.

Liberty Mutual has a high priority (2nd place out of 19 insurers) for digital customer service and lies in the shopping experience for car insurance from J.D. Power above average. According to J.D. Power, the rank of customer satisfaction across the country varies from average to below average depending on the region.

  • AM Best Rating: A (Excellent)
  • Direct Rewards: $ 11.7 billion

Farmers Insurance Group

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advantages
  • Good selection of optional covers

  • Provides insurance for high risk drivers

  • Wide range of discounts

disadvantage
  • Inconsistent ranking for general customer satisfaction depending on location

  • Average satisfaction scores for claims

The Farmers Insurance Group includes Farmers Insurance as well as a long list of affiliated companies such as 21st Century Insurance, Security National and Bristol West (one of our top addresses for high-risk car insurance). In addition to the usual car insurance coverage, the company offers some extras such as New car replacement, guaranteed value for collector cars, forgiveness for accidents, original parts and ride-sharing insurance. Overall customer satisfaction with Farmers ranges from above average to below average, depending on the region. This is based on surveys by J.D. When it comes to claims payment, Farmers has an average claims satisfaction score, ranking 10th out of 24 insurers in J.D.'s 2020 Auto Claims Satisfaction Study. Power.

  • AM Best Rating: A (Excellent)
  • Direct Rewards: $ 10.5 billion

Nationwide

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advantages
  • Excellent usage-based insurance savings options

  • "On Your Side Review" is an annual review of your insurance coverage

disadvantage
  • Not available in Hawaii, Alaska, Massachusetts, or Louisiana

  • SmartMiles and SmartRide programs use telematics devices that do not work with some cars

In business for nearly 100 years, Nationwide sells insurance through its website as well as local independent agents. If you love buying insurance online, Nationwide might be a company to consider as it ranks above average for its insurance digital shopping experience in customer surveys by all of the top insurers on this list except Liberty Mutual and Progressive. Nationwide has an above-average loss satisfaction rating, ranking 9th out of 25. In addition to standard auto insurance, the company offers the option of no-deductible, forgiveness and GAP coverage.

An annual review of your coverage will help you find additional discounts and other ways to get the most out of your insurance. Nationwide also offers two usage-based insurance programs that help policyholders save money based on their driving habits. The SmartMiles Pay-per-Mile program is available in 34 states. The SmartRide Safe Driving Program allows policyholders to save up to 40% (the highest discount we have received for this type of program).

  • AM best rating: A + (Superior)
  • Direct Rewards: $ 6.2 billion

Other auto insurance companies

Big vs. Small Car Insurance

Choosing the best auto insurance can be difficult, especially when you're deciding between a smaller, more regional company and a larger, national insurer. While a company's size and market share can indicate its success, smaller auto insurance policies should also be considered. In J.D Power's regional ranking for customer satisfaction in motor insurance, for example, several of the largest insurance companies rank high, but many smaller motor insurance companies also perform well.

Other questions to consider when choosing between large and small insurers are relevant to the services they offer:

  • Does the company have local offices or agents? You may want to get insurance with a broker who is familiar with the lifestyle and risks in your area.
  • Does the company specialize in your specific insurance needs? If you are considered a high risk driver or need non-owner insurance, you may find more options with smaller insurers.
  • Prefer to speak to agents in a language other than English? Some insurers offer bilingual service. For example, the Infinity website and all customer service options are available in Spanish and GEICO offers Spanish language service.

How should I choose the best car insurance for me?

What is the best car insurance for you depends on many factors. The most important considerations are that your insurance company has a good reputation and is financially stable - which means it can pay for any claims you need to make.

You can check an insurance company's reputation by contacting your state insurance commissioner's office or checking the history of their complaints on the National Association of Insurance Commissioner's website. However, because many insurers are actually groupings of different companies depending on where you are and what type of insurance you are, it can be difficult for many consumers to navigate the site.

It's also important to find a company that offers fair prices for the coverage you need. When buying car insurance, be sure to check your rates and coverage with at least three companies to get the best idea of ​​your options, especially if you are looking for specific endorsements. Remember that different insurance companies use different factors to determine their premiums, such as: B. Your payment method or whether you own your home. Carefully compare offers to determine which insurer gives you the best combination of coverage, value, discounts and total price.

Online reviews of the best auto insurance companies often include a lot of this information, but it's worth double-checking to make sure you're getting answers that are tailored to your situation and location. You can find all The Balance's auto insurance reviews in one place as well as these overviews for drivers with specific needs:

  • Best car insurance for teenagers and young drivers
  • Best auto insurance for students
  • Best Seniors' Auto Insurance Companies
  • Best car insurance for high risk drivers
  • Best military car insurance
  • Best insurance for ridesharing drivers