Best car insurance company: Allstate, Geico, Progressive, or State Farm?

If there are tens of suppliers to choose from, you and your car will overwhelmingly try to find the right coverage.

In the beginning, we're looking at some of the biggest players: Allstate, Geico, Progressive and State Farm. They are the country's largest car insurers. These are companies that are worth checking while you are searching for the best car insurance, with more than 50 percent of market share between them.

We evaluate key aspects such as coverage choices, reductions, average insurance rates for vehicles, tools and resources to better assess their services. For total customer satisfaction, we also look at J.D. Power grades.

How the different companies compare

It is important to see how pricing breaks down to understand best how any vehicle insurance compares — Allstate versus Geico versus Progressive versus State Farm. In addition to the key factors like coverage, pricing, incentives, customer loyalty and customized experience, we are examining how each company compares its price rates with various types of drivers.

Best for new and young drivers: Allstate

• Coverage options: Allstate covers all your bases with liability, medical payments, collision, comprehensive, uninsured and underinsured motorist, rental reimbursement and roadside coverage options. The provider also offers protection for your car’s sound system and can extend your protection by adding a personal umbrella policy alongside your auto insurance.
• Discounts: Allstate gives you safety and anti-theft discounts, driving clean, new vehicles, smart students and various policies. You are also rewarded with early signature of your policy, a payment in time, automatic payments, paperless payment and complete payment of your policy.
• Ratings: The satisfaction scores of Allstate customers decrease across the whole size, but most areas retain low to average ratings. You should look forward to some of the best customer service in Florida though, if you live in Florida.
• Customer experience: Allstate seeks to facilitate the process of processing claims and provides a guarantee of satisfaction. Drivers receive personalized driving feedback from Allstate's Drive wise® program, and are rewarded for safe driving with lowered insurance rates.

Best for drivers looking for deep discounts: Geico

• Coverage options: Coverage options for Geico are virtually the same as for State Farms. Geico provides liability, accident, complete, medical and insured motor vehicle coverage, ambulance service, rideshare driver, and rental refunds coverage. Mechanical failure insurance is also available.
• Discounts: Geico provides many forms of discounts, including safety discounts on your vehicle, driver training, group memberships and so on (the provider offers discounts for military, federal employees and a number of other groups).
• Ratings: Geico earns an 834/1000 score within the South-West area, linked to the US Family Insurance in first place. In the southwest, northwest, north center, and New York areas, Geico is well positioned in several other regions as well.
• Customer experience: Geico has a policy calculator to help you choose how much car insurance you need and there are no online resources available. You can get your ID card, pay your bill, and file a claim from Geico's website and app. Since you can do so much online, Geico can keep costs down and in many cases give you cheaper prices.

Best for drivers with a clean claim history: Progressive

• Coverage options: Progressive provides responsibility, emergency payments, accident, comprehensive, uninsured and under-insured motoring, route assistance, car rental and driver coverage rideshare. In addition, Progressive provides distance insurance and customer parts security that you added to your automotive.
• Discounts: Snapshot® program Progressive makes you save the safer you drive. It also provides healthy drivers, homeowners, multi cars, multi-stakeholder coverage, teen drivers and strong student discounts. Moreover, you can save your quotation online, sign your documents online, get paperless, and set-up automatic payments if you are comfortable using the digital system.
• Ratings: Progressive customer support depends on the country. He is one of New York, Southwest and North Central's lowest-ranking customer service businesses yet ranks among Texas' and Central's highest.
• Customer experience: Progressive provides a deductible savings bank that reduces $50 for every six months you are free for a crash and extensive deductible. The provider also has a Coverage Checker®, where your coverage could leave you uncovered. On Facebook Messenger, you can talk with Flo to receive instant answers to questions about your car coverage.

Best for drivers with a history of accidents: State Farm

• Coverage options: State Farm provides the guidelines for vehicle coverage (liability, collision,comprehensive medical payments), additional car rental, coverage when an uninsured or under-insured driver is in an accident and emergency road services. State Farm also offers rideshare drivers and Payoff Protector® their response to insurance gaps.
• Discounts: Drive Safe & Save and Steer Clear® for new and small drivers, discounts on good driving, accident-free training, car driving protection and anti-theft characteristics and multifaceted bundling of vehicle policies and other coverage are included in the State Farm's discount.
• Ratings: Except for New York, New England and the mid atlantic, state farm offers average consumer satisfaction ratings. State Farm stands out for its customer support in places where most other businesses are faltering.
• Customer experience: State Farm is the country's largest car insurer. It offers a mobile app with nearly 18,000 agents throughout the world, making it easy to find one spot for you.

Factors that affect car insurance rates

These insurers personalize the premium based on a number of important factors, including:

• Where you are living
• What kind of car you are driving 
• your car history and driving breaches?
• Your age and sex
• Your loan value
• Your marital condition
• How far a year you drive
• Your insurance claims history

In addition, the coverage that you purchase depends on the car insurance rates. Some people want barebone coverage and buy just what the state law requires. Others want special insurance in the event that their vehicle is stolen or on the roadside. Adding additional forms of coverage to your car coverage raises your coverage cost.

Comparing the leading car insurance providers

*Based on 2020 Southeast regional ratings.

Frequently asked questions

What is the best car insurance company?

The scoring shows the service, which you can expect based primarily on the region where you live when you look at J.D. Power's State Farm, Geico, Allstate and Progressive insurance scores. In order to see what rates they can charge you based on your own specific personal variables and your coverage requirements, all the four of these companies give online quotes.

How do I make sure I have enough car insurance coverage?

A coverage calculator will help you determine how much insurance cover you need to help you choose the correct amount of compensation for your vehicle insurance. Each such company has local or live agents who willingly assist you if you prefer the coverage selection process for a live person.

How do I save on car insurance?

You should take several actions to reduce your premiums if you want to pay as little as possible for the coverage you need. Safe driving is a great way to reduce the cost of coverage. Bundle your auto insurance with the other plans you need (such as home insurance or insurance renters) and raise the deductible if you don't mind risks. Mostly to make sure you have the best possible rates, get quotes from many car insurance companies.

Methodology

Quadrant Information Services were used by CompareInsurance to analyze prices for all ZIP codes and carriers in the 50 States and Washington, D.C. Quoted rates are based on the 40-year-old driver who has a clean background, strong credit and full coverage of the following:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

The CompareInsurance used minimum coverages that meet each State's standards to define minimum coverage limits. Our sample drivers have a Honda Agreement for 2018, travel 5 days a week, drive 12,000 miles a year.

These are sample rates, which can only be used in comparison. It might be different with your quotations.