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What’s The Best Car Insurance In Virginia? Top 8 Revealed [2019]

Car Accident and a stop signage at the middle of the picture

Most people don't get too excited about the prospect of buying car insurance. The good news for readers of this best car insurance in Virginia review is that rates in Virginia are lower than the national average. That's thanks to some low statewide labor costs.

Even if you already have car insurance, it's worth shopping around. Those yearly rate hikes can add up, and it's not always worth it to stay with the same provider. Many providers are engaging in “price optimization,” where they calculate the highest rate a customer will bear without leaving.

Avoid the effects of this tactic by knowing your options. Read on to find out more about the best car insurance in Virginia.

FAQs

Do I Need The Best Car Insurance In Virginia?

How Do I Find The Cheapest Car Insurance In Virginia?

How Much Car Insurance Do I Need?

What Affects My Car Insurance Premiums?

Do I Need The Best Car Insurance In Virginia?

State Farm Insurance

state-farm-847x477

Summary

State Farm is one of the best car insurance in Virginia. Customers can call to get a quote or visit one of over 18,000 locations, including in Virginia.

It is a great choice for good drivers with good credit in Virginia. It has the cheapest rates around according to Nerdwallet.com, with rates averaging $77/month. It is also an excellent choice for low-mileage drivers.

People looking for bare bones auto coverage can also look to State Farm. It has the lowest minimum coverage rates around at $33/month.

State Farm is also the best choice on our list for people with an at-fault accident on their records. It had the lowest rates at $92/month.

Coverage

State Farm has basic, collision, and comprehensive coverage. You can get liability insurance, car rental and travel expenses, uninsured/underinsured motor vehicle coverage, emergency road service, and rideshare driver coverage, plus medical payment coverage.

Discounts

State Farm is one of our best car insurance in Virginia because it had great discounts.

It offers accident-free, good student, and defensive driving discounts. There are safe vehicle discounts and discounts for loyal customers with over one insured vehicle or policy through State Farm.

A.M. Best Financial Strength Rating

A++

Where to Buy

geico logo

Image Source: www.geico.com

Summary

Geico primarily sells policies direct to consumers so it can keep prices low. This makes it an easy pick for one of our best car insurance in Virginia. It also has 150 locations nationwide if you prefer meeting with an agent.

Geico offers fantastic rates to people with no accident history. It's a good choice for drivers with poor credit. High-risk drivers will see higher rates with Geico.

Geico is good for consumers because its wide range of discounts means you are likely to qualify for at least one.

Coverage

Geico has many coverage options. Its main ones are:

  • Bodily injury and property liability coverage
  • Collision and comprehensive coverage
  • Uninsured and underinsured liability coverage
  • Medical payment and personal injury protection coverage
  • Gap Insurance for leased vehicles

More Coverage

Mechanical Breakdown Insurance, combined rideshare insurance that covers drivers when they're at work and on personal time, Emergency Road Service, accident forgiveness, glass coverage, and rental reimbursement.

Vehicle Types 

Geico offers motorcycle insurance and ATV insurance, plus customers can combine their homeowners and motor home policies.

Discounts

Geico offers standard and advanced safety feature discounts, multi-policy and vehicle discounts, plus safe driver, good student, paperless and military discounts. These discounts can add up to major savings.
.
Cars with driver-side airbags can save up to 25 percent and cars with front airbags can save up to 40 percent. Drivers over the age of 50 who complete a defensive driving course can save up to 10 percent.

A.M. Best Financial Strength Rating

A++

Where to Buy

progressive

Image Source: ptmoney.com

Summary

Progressive is one of our top car insurance in Virginia and has been in business since 1937. Customers can purchase policies online or over the phone. Progressive offers a usage-based device called Snapshot that tracks driving habits and rewards drivers for good driving behavior.

Coverage

Progressive has basic coverage options that are adequate for most drivers in Virginia. It doesn't offer accident forgiveness, personal injury, property protection, or new car replacement coverage.

Some it offers are pet injury protection, gap protection and coverage for custom parts and equipment.

RV Insurance Program 

Progressive has the #1 specialty RV insurance program. RV owners get discounts if they are the original owner of their RV and if they have other policies with Progressive, plus a range of other discounts.

Owners can cover their RV and the personal property inside it.

Progressive also offers emergency expense coverage up to $750 if the RV is disabled over 50 miles away from home.

Whether you have a Class A or Class B trailer, or even a fishing boat, call 1-800-PROGRESSIVE to start your customized quote.

Discounts

We picked Progressive as one of our best car insurance in Virginia because although it doesn't have as many discounts as others, it has ones many people qualify for. There are discounts for paperless billing, signing your policy early, and even discounts for drivers under 18.

A.M. Best Financial Strength Rating

A+

Where to Buy

Nationwide headquarters

Image Source: www.bloomberg.com

Summary

Key Features of this provider include the SmartRide program, which tracks drivers' behavior through a Bluetooth device and rewards them up to 40% for good driving. Enrolling in this program can lead to significant savings.

Nationwide has a mobile app that makes it easy to access your policy documents from anywhere.

Coverage

Nationwide has the usual coverage options plus tow and labor coverage, rental car expense, and gap coverage. Some other options are Accident Forgiveness, Vanishing Deductible, total loss deductible waiver, and roadside assistance.

Discounts

Nationwide offers many discounts. These include multi-policy, Anti-theft, Safe Driver, accident-free, easy pay, defensive driving, and good student discounts. It also extends discounts to members of a wide range of professional, alumni and sports membership organizations in Virginia.

A.M. Best Financial Strength Rating

A+

Where to Buy

USAA

Image Source: www.usaa.com

Summary

USAA is one of the best car insurance in Virginia for its low rates and excellent customer service. Drivers must be affiliated with the military to be eligible.

Coverage

USAA offers full coverage including comprehensive and collision coverage. Virginia drivers need liability coverage for bodily and property damage.

Drivers can get personal injury protection and coverage for uninsured and underinsured motorists, both bodily and property damage coverage. Members can also select extended benefits coverage.

Discounts

USAA's discounts are one reason it is one of the best car insurance in Virginia. Safe drivers see considerable savings. There is also a good student discount, driver training course discount, and discount for older drivers with a clean driving record.

Plus you might be eligible for loyalty discounts and multiple-policy discounts of up to 10 percent. You can also save up to 10 percent if your parents are USAA members.

A.M. Best Financial Strength Rating

A++

Where to Buy

 Amica Mutual Insurance

Summary

Amica is a major insurance carrier that gets top marks for customer satisfaction.

Coverage

Besides the usual coverage options, it has some nice extras. These are depreciation protection if your car is totaled within one year of purchase, free lock replacement, and free airbag repair.

Platinum Choice Auto

Platinum Choice Auto is an Amica program with some great features.

Advantage Rewards is a program where drivers get points for good driving, loyalty, and for referring other drivers. They can use these points to pay down their deductible or towards accident forgiveness.

It also includes identity fraud monitoring, full glass coverage, and prestige rental coverage, which is $5,000 toward the cost of a similar car if yours is in an accident.

Discounts

Amica offers some basic discounts. These are anti-theft device discounts, student discounts, defensive driver discounts, multi-car and line discounts, auto pay, and paid in full discounts. Plus it offers legacy and loyalty discounts for young drivers who were under their family's policy and then purchased their own.

A.M. Best Financial Strength Rating

A+

Where to Buy

Travelers Insurance

Image Source:  www.businesswire.com

Summary

Travelers has been in business since 1853. It has s a lot of coverage options and discounts sure to appeal to drivers in Virginia.

Coverage

Travelers offers less common coverage options like accident forgiveness, new car replacement, gap coverage, roadside assistance, and rental car coverage.

Discounts

Travelers has the most discounts of the insurance providers on our list. It offers discounts for bundled policies, hybrid vehicles, students with good grades or who are away at school, early policy signing, new vehicles, multiple vehicles, and safe driving.

A.M. Best Financial Strength Rating

A++

Where to Buy

Erie Insurance

Image Source: www.nerdwallet.com

Summary

It is important to compare multiple providers to find the best car insurance in Virginia for you. Erie is definitely worth a look.

It's a regional insurance carrier based in Erie, Pennsylvania. Virginia drivers are lucky since it is only available in 12 states plus Washington D.C.

Customers who choose Erie are happy with their choice. It won the top award for Auto Claims Satisfaction in the 2018 J.D. Power Study.

One great feature of this provider is Rate Lock, which locks in your auto rate unless you add vehicles or move. This is great for people who hate seeing their premiums increased.

Accident forgiveness is included after 3 years of safe driving, and you can get pet coverage. Some nice extras are new car protection, better car protection, and rental car coverage that lets you upgrade to an SUV if you choose.

Coverage

Besides auto insurance, Erie also offers renters, condo, and home insurance. It offers a range of other insurance options like umbrella insurance, insurance for classic and recreational vehicles, boat insurance, identity theft insurance, and business insurance.

You can also buy retirement planning products through Erie.

Discounts

Erie offers many discounts including rate lock, multi-policy discounts, accident forgiveness, diminishing deductibles, stored vehicle discounts, safety discounts for anti-theft devices, airbags, and more, full payment discounts, and college student discounts.

A.M. Best Financial Strength Rating

A+

Where to Buy

The Verdict

We hope you have enjoyed this best car insurance in Virginia review. While we want to narrow it down to one, there is not just one provider that will please everyone. The best car insurance in Virginia for you depends on how much coverage you want.

Drivers looking for robust coverage will be thrilled with Erie Insurance. It has high claims satisfaction and excellent coverage. We love that you can lock in your rates.

Drivers who need little more than the minimum will be happy with State Farm. It had the lowest rates for minimum coverage. Drivers with spotty driving history will also find good rates at State Farm.

What’s The Best Collector Car Insurance? Top 9 Revealed [2019]

Car accident

If you have a car collection that contains vintage, classic, or specialty cars that are meant more for preservation than for driving, your insurance needs will be different from the average driver's. Most car owners have never heard co collector car insurance, but finding the best collector car insurance is an essential for any vintage car collector. Even if you don't plan on taking your most valuable cars out on the road often or at all, you'll want them protected from any eventualities.

Auto insurers have been protecting classic cars for decades, through a unique process called agreed-value insurance. With this system, the best collector car insurance policies are designed more like a negotiation, with the insurer assessing the collection and agreeing on a value with the owner. Policies are more customizable with the owner's needs and assets than the standard car insurance policy, which is based more on the client's driving record and demographics.

If you're looking for the best collector car insurance, you should look away from the top American insurance companies and towards specialty insurers who work with classic car owners. Here at Policy Academy, we've put together a list of the best collector car insurance based on their flexible policies, additional features, and price points. Read on to discover the best collector car insurance to make sure your collection is protected from any hazards.

Product FAQ

What Is Collector Car Insurance and How Does It Differ From The Average Insurance Policy

Do Major Car Insurance Companies Offer Collector Car Insurance?

Does The Best Collector Car Insurance Offer Accident Protection?

Can Collector Car Insurance Be Bundled With Other Insurance Policies?

How Do I Sign Up For The Best Collector Car Insurance?

How We Reviewed

Car accident and a stop signage at the middle of the picture

Image by Tumisu from Pixabay

The following list of the best collector car insurance companies was reviewed based on the following parameters – affordability of premiums, flexibility of policies, customer service, claims process, included perks and features, optional perks and features, and ease of bundling with other insurance policies.

Overall Price Range

Many people expect the best collector car insurance to be more than regular insurance, but this isn't the case. As collector car insurance is built to insure the asset rather than to provide liability insurance, it depends on the number and value of the cars insured. Progressive offers classic car insurance and theirs averages around $275 less per year than their standard policy and this percentage is similar with other insurers.

What We Reviewed

  • American Modern Insurance Company
  • Grundy International Insurance
  • Safeco Insurance
  • American National Insurance
  • Hagerty Classic Car Insurance
  • State Farm Insurance
  • American Collectors Insurance
  • J.C. Taylor Insurance
  • Heacock Classic Car Collector Insurance
American Modern Insurance

Image Source: www.valuepenguin.com

Summary

Backed by Geico, American Modern Insurance Company is one of the largest insurers of classic cars in the United States and gets high marks for its many features and highly customizable agreed-value policies. It's ideal for classic car owners who want to drive their cars thanks to its mileage-limit options. Deductibles can range from $0 to $10000, and the company helps you repair your cars with up to $2000 in spare parts coverage.

American Modern Insurance Company is known for its all-inclusive policies, offering money back for towing, vet expenses for injured pets, and up to $150 a day if an accident leaves you stranded. You can get discounts for installing anti-theft devices or for insuring more than one car, and the 2% per quarter inflation guard keeps your premiums low. Negatives include spotty customer service and reports of slow claims processing, but this company's eighty-year history has made it a favorite with customers.

A.M. Best Financial Strength Rating

A+

Where to Buy

Grundy Insurance

Image Source: planetforge.org

Summary

Grundy International Insurance has been providing all-purpose car insurance since 1947 and it's developed a trusted track record as one of the best insurers of collector cars on the market. They're a high-roller insurance agency, offering up to a million dollars in liability coverage, but they take care of their clients with coverage for incidentals like up to $250 in emergency towing coverage and up to $600 coverage for lodging or other trip interruption expenses.

While they specialize in private insurance policies, they offer deals for car restoration and car design businesses, and you can bundle your classic car insurance with all other vehicles (regular driving, motor homes, smaller vehicles) and your home insurance. With no model year restrictions and a 4% inflation guard per year, they're a popular choice for owners of large collections. Drawbacks include the lack of personal restoration coverage and the requirement that you keep your vehicle in a locked garage.

A.M. Best Financial Strength Rating

Grundy is underwritten by a collection of investors with A++, A+, and A ratings

Where to Buy

Safeco Insurance

Image source: www.safeco.com

Summary

Safeco Insurance is a division of major insurance company Liberty Mutual, offering coverage for regular driving and home insurance. However, they also provide coverage for classic cars under a duo of popular models. For those who drive their classic car regularly, the “Regular Use” policy lets you drive up to 10,000 miles annually, while the “Restricted Use” policy gives you up to 5,000 miles a year.

With Liberty Mutual having a hundred-year record of providing insurance, Safeco is seen as one of the more trusted brands in the field and offers a lot of user-friendly features. They offer a deductible-reduction policy, roadside and emergency assistance, and the ability to bundle your classic car policy with your home and regular auto insurance. Negatives include the lack of restoration coverage, spotty customer service, model-year and value restrictions, and the requirement to keep your car in a locked garage.

A.M. Best Financial Strength Rating

Safeco has a financial strength rating of A and an issuer credit rating of A+.

Where to Buy

American National Insurance

Summary

American National Insurance is a large insurance company that makes its name by offering bundles of home, auto, boat, and life insurance in one reasonably priced package. However, it has a loyal audience among classic car fans because it offers some of the deepest discounts in the field. If you're a member of the National Street Rod Association, you can get a 10% discount and the company attracts collectors because it offers up to 85% discounts for those who insure large numbers of cars.

American National offers standard insurance policies, but their classic car insurance rates depend on make and value. They get high marks for their discount opportunities, their top-rated customer service, and their in-person agents around the United States. Their main negative is that their site is difficult to navigate and doesn't offer specific information about policies.

A.M. Best Financial Strength Rating

American National Insurance has a financial strength rating of A.

Where to Buy

Hagerty Classic Car Insurance

Image Source: bicesterheritage.co.uk

Summary

A specialty company that focuses on insuring antique and classic cars, Hagerty Classic Car Insurance is backed by major insurer Essentia and offers low premiums based on a guaranteed agreed value. They insure all vehicle types and work with customers to develop customized policies that include a variety of add-ons. For only $20 a year you can add restoration coverage with a 10% value increase per quarter and $750 in coverage for repair tools, and for $25 a year you can add coverage for trip interruptions and accidental death.

In business for over 25 years, Hagerty has developed a fast reputation as one of the best classic car insurers in the field. They add automatic thirty-day coverage if you buy another classic car, and you can add roadside assistance for a small fee. While customer service is strong, some customers complain about long waits for towing assistance and the model-year and value restrictions.

A.M. Best Financial Strength Rating

Hagerty is underwritten by Essential Insurance Company, which carries an AM Best rating of A.

Where to Buy

State Farm Headquarters

Image Source: www.wglt.org

Summary

In business since 1922, State Farm is one of the first names people think of for insurance, and they offer coverage for home, auto, life, and assets. Their classic car program is a side business that works on agreed-value contracts and is available in all fifty states. Unlike their standard insurance policies, this program is handled in person through a local State Farm agent and can cover liability, medical payments, comprehensive, collision, loss of income, and personal injury/death payouts.

State Farm classic car insurance is geared towards those who don't drive their cars much – individual limits are negotiated, but the policy is for very limited use. They cover spare parts up to $500, offer emergency assistance for an additional fee, and provide consistent customer service. Negatives include model-year and value restrictions and lower liability limits than some specialty companies.

A.M. Best Financial Strength Rating

State Farm has an A.M. Best Financial Strength Rating of A++.

Where to Buy

American Collector Insurance

Image Source: brettinsurance.com/

Summary

American Collectors Insurance is one of the smaller companies on this list, specializing in antique and collectible cars not designed for regular driving. This means there are mileage limitations with every policy, so it's not the right fit for those who love to show their cars off on the road. In business for over forty years, they offer deep discounts for multiple vehicles, a 2% inflation guard per quarter, and automatic thirty-day coverage if you buy a second collectible car.

Where they stand out from the pack, though, is with their TLC add-on plan – considered to be the best roadside assistance plan in the insurance market. For less than $35 per year, you get assistance for towing, lockouts, and roadside repairs. The company also offers coverage for travel expenses and legal defense costs, and offers rebates for installing safety equipment. The company gets good marks for customer service, but drawbacks include model-year and value restrictions, and the lack of company information on the Better Business Bureau website.

A.M. Best Financial Strength Rating

American Collectors Insurance has an A- financial strength rating from A.M. Best

Where to Buy

J.C. Taylor Insurance

Summary

J.C. Taylor is one of the oldest companies offering an exclusive focus on antique and collectible car insurance, giving them a high trust rating among customers. They offer specialty coverage for exotic cars, hot rods, and cars that have had custom modifications. This makes them a high-ranking choice for those who like to drive their cars – while their policies have a 2,500-mile rate for underwriting purposes, they don't have an official mileage limit on their policies and offer some of the most competitive premiums in the field.

J.C. Taylor has one of the smallest client bases of any company on the list and maintains a low-tech presence, with their minimalist website lacking any information about their benefits or policies. You can set up a policy over the phone or through the mail. They have a Better Business Bureau rating of A+, but the $250 deductible on physical damage coverage is high and they require cars to be kept in a locked garage.

A.M. Best Financial Strength Rating

J.C. Taylor Insurance has an A+ rating from A.M. Best

Where to Buy

Heacock Classic Car Collector Insurance

Image Source: heacockclassic.com

Summary

Heacock Classic Car Collector Insurance is owned by the Heacock Insurance Group, a full-service insurer with almost a hundred years of service. Based in Florida but servicing all fifty states, it has ties to the Sportscar Vintage Racing Association and offers discounts for members. The company gets high marks through its attentive customer service, fulfilling policies through the phone and issuing temporary insurance cards to clients until the policy is processed.

While Heacock's premiums are middle of the road, it gets high marks for having some of the lowest deductibles in the market – with some clients getting a deductible of zero. Their insurance policies are geared towards cars not used in everyday driving, so expect mileage limitations on each policy around 5,000 miles a year. Negatives include the low-tech website and issues with negotiating insurance renewals every year.

A.M. Best Financial Strength Rating

Heacock Classic Car Collector Insurance is backed by American Modern Insurance Group, which carries an A+ rating from A.M. Best

Where to Buy

The Verdict

The nine best classic car insurance companies on this list all deliver quality service, with some geared towards regular drivers who want added protection for valuable cars and some specializing in antique cars meant for garages rather than the road. We found one consistency across these nine companies – excellent customer service, as classic car clients have high-level policies that the companies want to keep with them. All nine companies specialized in agreed-value policies, where every policy is different based on an assessment of the collection by the agency.

Where they differed was in the additional features offered to clients, such as roadside assistance, coverage of repair and renovation costs, and mileage limits. That means that your best choice will depend on the size of your collection and how you intend to use it. If you're a collector who has a large number of antique cars, American National Insurance offers the deepest discounts in the field.

However, if you like to drive your cars and want comprehensive coverage for accidents and repairs, a company like J.C. Taylor Insurance offers highly customizable policies and personal attention thanks to a smaller customer base. However, there's one company that offers the best of both worlds, with comprehensive coverage, low premiums, and excellent customer service. We give Hagerty Classic Car Insurance our nod as the best classic car insurance on the market today.

Best Car Insurance In Arizona – Top 10 Revealed

Red and Yellow Hatchback car crash covered by the best car insurance in Arizona

Car insurance is a legal requirement in the United States, and the right amount of coverage for your car can give you proper financial protection if anything unfortunate were to happen. According to the Arizona Department of Transportation, in 2017 alone, over 120,000 car crashes occurred in Arizona. The best car insurance in Arizona may not protect against the actual accident, but the damages and costs can be diminished with the right coverage!

Having good car insurance is an essential aspect if you own a car. Why? Well, in the case of a car crash, you will need something to cover your expenses. It is also a legal obligation and can be detrimental if you are found without one.

Don't think it's only limited to cars! All motorist must be insured against their liability towards other people as stipulated in the Road Traffic Act of 1988, meaning if you have a motorcycle or any other type of motored vehicle, you must be insured to go on the road. Seeing as it is illegal to drive without it, if you are found with no insurance, you can be fined or disqualified for driving altogether.

So What Exactly Is Comprehensive Car Insurance?

Fully comprehensive car insurance covers you for damage to yourself, as well as your car. It can also cover for the third party in case of a crash. On top of which, mattering on the insurance, it can cover your car being stolen, or if your car takes fire damage.

wrecked car

Image Source: ​pixabay.com

There are four types of car insurance to be wary of:

Third-party Only

Third-party only means that if you are in a car crash that is your fault, the insurance company will cover the other parties needed compensation. If your car needs any repairs, however, you will need to pay for it yourself.

Third-party, Fire, and Theft

Similar to the last policy, this protects you from having to pay for the opposite parties damages, but it also protects against your car being stolen or any fire damage.

Telematics or "Black Box"

This is a newer option that might be optimal for newer, younger drivers. Your rate is determined by how well you drive with trackers installed inside your car. The better you are, the lower your rates.

Comprehensive

This covers you for practically everything. If you're in a crash, you are compensated as well as the other party. You are also protected against fire and theft.

Each type has its strengths and weaknesses. Search around different insurance agencies and see what's right got you.

Car Insurance FAQ

1. What is the Best Car Insurance in Arizona?

​2. How Do I Apply for the Best Car Insurance in Arizona?

​3. If I Have Moving Violations, Can I Still Get Coverage?

​4. How Can I Choose the Right Level of Coverage?

How We Reviewed

To find the best car insurance in Arizona, we looked at everything each insurance company had to offer. From the top insurance company in Arizona, we then chose the best car insurance in Arizona by looking at the features, coverage options, discounts, and filing claims, as well as the general pros and cons of each car insurance.

Overall Price Range

​The price range of insurance can vary wildly depending on what you are going for. Most of the time, you are going to be paying more than $200 a month, mattering on what you need.

What We Reviewed

  • ​State Farm
  • ​American Family
  • ​GEICO
  • ​Progressive
  • ​Farmer's Insurance
  • ​Allstate
  • ​Freedom National
  • ​Auto-Owners
  • ​USAA
  • ​Travelers

State Farm

Statefarm

Image source: statefarm.com

Features

State Farm has been around since 1922. As you might expect from the name, it has special insurance options for farmers and ranchers. You can call in to get a quote or visit one of their 18, 000 State Farm agents nationwide.

Coverage Options [5 Stars]

State Farm offers basic, collision, and comprehensive coverage. It also has liability insurance, car rental and travel expenses, uninsured/underinsured motor vehicle coverage, emergency road service, and rideshare driver coverage, plus coverage for medical payments.

State Farm has coverage options for cars, motorcycles, boats, and motor homes. It also has coverage for rental cars, teen drivers, business vehicles, and antique classic cars.

Discounts [4 Stars]

State Farm offers accident-free discounts, good student discounts, defensive driving discounts. It offers safe vehicle discounts and discounts for loyal customers with over one insured vehicle or policy through State Farm.

Apps/Website [4 Stars]

Customers can log into the website or app to access their policy information.

Ease of Filing Claims [5 Stars]

Customers can file claims over the phone by calling 800-SF-CLAIM or by going online to https://www.statefarm.com/claims.

​Pros

  • ​Apply in person or over the phone
  • ​Coverage for classic cars
  • ​Good for those with spotty driving records

Cons

  • ​Rates are slightly higher
  • ​Some agents better than others
American Family Insurance-Logo

Image source: amfam.com

Features

American Family has been in business for over 90 years. It has offices in 19 states and over 10,000 employees. Its average yearly auto insurance premium for customers is $3,443 according to US News & World Report.

Coverage Options [5 Stars]

American Family has coverage for collision and comprehensive. Collision meaning that if you rear-ended someone or vice versa, you are covered.

Discounts [4 Stars]

American Family has many different discount option that may make coverage more affordable for you. For example, if you are a student and are making good grades, you are liable for a discount on your insurance. Same for if you are a good driver.

Apps/Website [4 Stars]

You can go to their site or use their app to find more information about their policies and discounts.

Ease of Filing Claims [5 Stars]

Customers report dissatisfaction with the claims filing process.

Pros

  • Low rates for high coverage amounts
  • Customers with clean driving records get good rates

Cons

  • Significantly higher rates for young and male drivers
  • Higher rates than its competitors

GEICO

geico

Image source: geico.com

Features

Geico, standing for the Government Employees Insurance Company, is one of the largest auto insurers in the United States. It was founded in 1936 by Leo Goodwin Sr. and was made to provide auto insurance directly to federal government employees and their families.

Geico is known for covering all types of vehicles including motorcycles.

Coverage Options [5 Stars]

You can get the basic collision or comprehensive car insurance coverage here.

Discounts [4 Stars]

Geico has plenty of discount options, including but not limited to safe driving discounts, good student discounts, seat belt use discounts among many more.

Apps/Website [4 Stars]

You can go on their website or app to get further information about their policies.

Ease of Filing Claims [5 Stars]

Some customers complain that the prices are at times too steep to file claims.

​Pros

  • Has many discount options
  • Can use app or website for use

Cons

  • Prices can be high
  • Has a complicated sign-up procedure.

Progressive

progressive logo

Image source: progressive.com

Features

Progressive is known to be one of the largest auto insurance companies in America. It was founded by Joseph Lewis and Jack Green in 1937 giving good insurance to more risky drivers. It is now known for giving insurance to not only cars but boats, RVs, motorcycles, among many more vehicles.

Coverage Options [5 Stars]

Progressive is known for having many coverage options to fit your specific needs.

Discounts [4 Stars]

They have many different discounts that make your insurance less of a hassle.

Apps/Website [4 Stars]

You can go on their website or app to get further information about their policies.

Ease of Filing Claims [5 Stars]

Since they are such a big firm, it is easy to file a claim. There are many different options in ways to contact them.

​Pros

  • Fast and easy process
  • Many different ways to get coverage
  • Many great discounts

Cons

  • Can still get expensive
  • Can be a bit daunting for newcomers

Farmers

farmers logo

Image source: farmers.com

Features

Key features of Farmers Insurance include personal injury protection and rideshare insurance. According to US News & World Report, the average yearly premium is $4,194.27.

Coverage Options [4 Stars]

Farmers insurance has many coverage options to fit your specific needs.

Discounts [4 Stars]

Farmers offer bundle discounts.

Apps/Website [4 Stars]

You can go on their website or app to get further information about their policies.

Ease of Filing Claims [3 Stars]

While there are several ways to contact them, it isn't as simple as pressing a button.

​Pros

  • Offers bundle discounts
  • Has many coverage options

Cons

  • Comparatively difficult to contact
  • Expensive

Allstate

Allstate logo

Image source: allstate.com

Features

Being yet another of one of the largest car insurance companies in America, Allstate was founded in 1931 as part of Sears. They have branches all over America, and even have work in Canada!

Coverage Options [5 Stars]

They offer many different coverage options to help you on your way to getting great insurance!

Discounts [4 Stars]

While not as diverse in discounts as some other big companies, Allstate does not skimp out in having various discounts to make your insurance affordable.

Apps/Website [4 Stars]

You can go on their website or app to get further information about their policies.

Ease of Filing Claims [5 Stars]

Since the firm is so large and has so many ways of contact, it is easy and simple to get your claims filed.

​Pros

  • Larger firm means easier contacts
  • Good coverage options
  • Many discounts on hand

Cons

  • Larger firms mean colder workers

Freedom National

freedom national logo

Image source: freedomgeneral

Features

Freedom National is an online insurance agency made to provide cheap and affordable car insurance for your needs. It provides for multiple products around several states making it easy to find cheap and affordable car insurance. It's one for the best car insurance in Arizona specifically because it specializes there.

Coverage Options [5 Stars]

Because liability coverage is required in Arizona, they specifically cater to that law-abiding need. They also cover physical damage and medical payments, which is rare.

Discounts [3 Stars]

While they do not explicitly express discount rates, their low overall rates make them a great option.

Apps/Website [3 Stars]

You can go on their website to get further information about their policies.

Ease of Filing Claims [3 Stars]

Due to being a smaller firm, customers seem to have difficulty getting into contact with the dealers.

​Pros

  • Local, so it can provide for specific needs
  • Has many coverage options
  • Cheap

Cons

  • Coverage can vary
  • Have long wait times

Auto-Owners

auto owners

Image source: auto-owners

Features

Holding insurance for over 200 million policyholders, Auto-Owners Insurance has won several rewards for its service and is known for good insurance.

Coverage Options [5 Stars]

Auto-Owners has many different coverage options and includes rad repair, meaning if something happens to you on the road, such as a flat tire, you can get it repaired with just a call away.

Discounts [3 Stars]

Their discounts are not freely displayed. However, they are known for their cheap and accessible rates.

Apps/Website [3 Stars]

You can go on their website to get further information about their policies.

Ease of Filing Claims [4 Stars]

Filing a claim with them is as easy as getting on their website and giving them a problem. You can also call them on their hotline.

​Pros

  • Easy claim system
  • Cheap and accessible
  • Are well established