Knowing you have selected a good car insurance company is peace of mind you will want to have before you get in an accident, have your car stolen, or encounter any number of situations that involve you having to make a claim. You don’t want to find out too late that your car insurance provider isn’t up to par.

This list contains the top ten best auto insurance companies based on affordability, value of services, and responsiveness. Because, after all, what good is having a rock bottom rate if you don’t get enough in return or can’t get the help you need when you need it.

Don’t agree with the list? Vote for an existing item you think should be ranked higher or if you are a logged in, add a new item for others to vote on or create your own version of this list.

1. Liberty Mutual

They are the BEST out there! I have gone to different ones and had to come back to them because they are so honest, so friendly and so professional. They are not ripping you off with those 6 month policies and with a bunch of other fees. Do your research… Call around and you will be shocked at how many of those other companies are charging for their premiums (double what Liberty Mutual charges) and then once they get you the first year with somewhat low rates, they hike them back up the second year! Do your research and you will realize that Liberty Mutual is the best all around!

This is an amazing company. I remember when I was small when my mother would show me her work (At Liberty Mutual). Everybody gave me mints and gave me a caring grin. When I passed there well lit offices. I loved the people there and I still do.

 am a 40 year customer. They are personal, competitively priced, and are quick and professional wiht price. Sometimes they try to raise prices at renewal time if you don’t stay on top of your policy.

2. Esurance

Thanks Esurance for the savings, Progressive wanted
$900.00 6 months and 21st wanted $1100.00 and ESURANCE
$525.00 what more can I say!

Simple, easy to use online interface with little or no lag time. You can change your policy and pay bills in literally seconds. 5/5 stars for convenience alone. Competitive rates too.

I was tired of my insurance payments going up and up and up, so thought it was time to start shopping for new insurance. I had tried over the Internet before but hadn’t a clue what I was doing, so I just gave up. I had my previous insurance elsewhere and came to find out I was paying way, way too much. I am saving $750. 00 a year by switching to Esurance! I could not believe it! I immediately started the process of switching, and I am now a new Esurance customer and a very happy one! Today, I received my policy and cards via email just as promised and am glad I switched!

[Newest]Better priced than Progressive with the most friendly phone agents I’ve encountered. Not only was a happy about my new move and the insurance switch by the end of the conversation but I’m looking forward to chatting with Doug again – Thanks Esurance, I feel part of the family.

3. State Farm

I love State Farm, they handle all my ins. My car, car loan, my Apt., and my health ins. My old car loan charged me a lot for gap insurance, my SF car loan gives me gap insurance for free, I saved money when I refinance my car with SF. My old insurance was more money, and my coverages were less. My agent explained what I had, and I picked better coverages and pay less. I also like their website. Nice being able to talk to real people 24/7, even in late at night, m and I am traveling, and in other time zones. Great service.

A company can’t stay number one in business unless the people in the company do what they promise. I have always been delivered more than promised by my State Farm Agent. No one asks how much they were paying when one has a claim. Price becomes pretty subjective. How fast and fair claim is handled matters the most when one has a loss.

Never in my life have I ever had a problem with state farm. My family and I have been there with them for 50 years. Are the premiums high? I have been self employed for quite a few years. If you want me, you will pay a premium for that due to the service you get. State Farm rates are in with the rest, but my agent Kelly Langen is the best and I would never change for lousey service to save a buck!

[newest]

I have been with State Farm since Allstate discontinued me around 1972. This is a great company, as I have them for everything. Paul Funk is my agent in Catonsville, Md. I also consider him a good friend.S. garner.

4. Allstate

I switched from State Farm to Allstate… SF really don’t give a damn about their clients. When I retired I moved to another state and my rates doubled because SF charged me for 3 incidents because a SF policyholer rearended me and they said I could have used my policy, even though their ph was at fault 100,,,, their customer rating system is difficult to understand and they cannot explain it I’ve found a company that cares about ther clients.

One never really knows how good his or her insurance provider is until disaster strikes. I was broadsided by an SUV that ran a red light. The other driver did not have insurance, and both my wife and I went to the hospital. Allstate’s response was compassionate and swift. A few days later all bills were paid. My rates did go up, but the rate hike was well worth the peace of mind I felt. I am sticking with Allstate.

Had GEICO in the military, switched to Allstate, for car & house. A “Common Sense” company. They stood behind us for over 2 years of a law suit, because of our good record! Some kids plowed into us with his junk heap, No insurance, No State license, & they were suing for so much, as our agent said: to set themselves up for a “life of Riley”! Great folks who work for them too & Now we get rebates, 2 x a year, for our good driving record!

[newest]

I have both auto and renters with Allstate and get an awesome discount for multiple policies. My agent is local, and the customer service at 1-800-Allstate is awesome too! I know there are cheaper insurance companies out there, but I always keep this in mind, “Good insurance isn’t cheap. Cheap insurance isn’t good.”

5. GEICO

I love GEICO, they have EXCELLENT customer service! They are always great, they’re always so personal, they are always there to help all day and night and weekends and you don’t have to worry about someone being on vacation or sick because there’s always more and great agents there to help. Plus they work with other outside companies and you can get discounts other places just for being with them. I just wanted to say I think GEICO is worth calling and getting a quote if you don’t already have a policy.

Switched from Allstate after 24 1/2 year and Saved $600.00 every 6 months. Was paying $1298 and now $698. 10 and now I’m switching home insurance also. Thank You GEICO for SAVING me $1200 a year on my AUTO.

I just switched to Geico because of these comments. I thought the whole, “save you more money, ” marketing was just a gimmick, but I really did save money. My bill has gone down! I’m paying less for 2 vehicles than I was for 1 vehicle with another provider, same features! I spoke with 3 different people, and all of them were great, and personable. I didn’t feel like just another number. Awesome rates, awesome service. Highly recommended.

[newest]

I have a few dings on my credit and driving record… ok, I lied, my driving record is horrible, as is my credit. No insurance company would touch me even though I have not had an accident in 15 years. Not only did GEICO give me a policy, they made it really easy to make payments and also help me to remember to make payments and having the GEICO App on my phone makes it easy to always have the most current policy cards in my car. Thank you GEICO. Customer for Life.

6. Progressive

I used to have Farmers insurance until I got in an accident. Even though I had a local insurance agent, because I had to file my claim after hours, I had to contact a generic claims call center. Then, since I initiated the claim using the 1-800 number, I had to complete the rest of the process that way. At that point I was asking myself why I was paying a premium to have a local agent when he was doing nothing to help me. After the whole experience, I decided to shop around and ended up choosing Progressive. They had much better prices and since it no longer mattered to me to have a local agent, I signed up. I’ve had nothing but a positive experience with Progressive so far.

I shopped around for the best price for the coverage I wanted and Progressive undercut the others by around $1200. Every 6 months my monthly premium goes down. After the first six months we added another car, and the premium only went up by $6 because the policy dropped by such a significant amount. They’ve been good at getting my documents to me quickly, and having 24 hour customer service – which I’m coming to appreciate more and more with the odd hours I’m awake and work.

After I switched to Progressive I got into a car accident. I did not know exactly what I needed to do, but the people at progressive helped me the entire way. All I had to do was choose where I wanted to have my car repaired and they did the rest. Since I used one if the shops they referred I had my car back in less than a week. Quick and painless, all I had to do was make a call.

[newest]

Progressive lets you name your price. Then they give a bunch of options. You can not say no to that

7. Nationwide

I just switched from State Farm to Nationwide and State Farm was reasonable, though I wasn’t necessarily happy with the coverage. It was only $79 a month for full coverage, but they didn’t have accident forgiveness, if I got into an accident, I would have to pay 20% of the rental fee for a car, and the lowest deductible for collision they will go is $250. I switched to Nationwide a week ago and the quote was for $70 a month, (every little bit counts) but the big difference is the coverage. I got accident forgiveness included, also they pay 100% of car rental fee, and I only have $100 deductible for collision. However they do have $0 deductible but 100 I can do. This is for a 2011 Ford Focus which Focuses are generally cheap to insure.

I was 19 years old when I got my first car and my driving license.Before buying my car, I talked to many agents from different car insurance company and progressive was the cheapest one, $1500 dollars for the first year, driving a 2002 Camry with 101k miles on it. Let’s say it was a fair price for not having experience before.When I had to renew my contract, Progressive wanted me to give them $100 more per year, without having any accident or tickets.

I did my car insurance shopping again and Nationwide was giving me the same coverage for my car, better medical payment for a cheaper price.

Now I am paying only $1,100 dollars per year. Nationwide saved $400-$500 a year. The only issue I had with Nationwide is that no-one in my house can drive my car, if they do so, Nationwide won’t pay if they have an accident.

I LOVE nationwide! I previously had State farm under my parents, and switched onto my own when quoted. I received a call the next week telling me it would be 90 more a month! I called EVERYWHERE and the cheapest I could find was 4000/6 months, until I called nationwide. (I am only 18 with a new car and high coverage. ) My new agent is VERY nice and informative and I am only paying 1200/6months. One week after switching, someone totaled my car, and Nationwide was right there, helping me through everything. I would NEVER switch! Go Nationwide!

[newest]

I had USAA for many years and found that my coverages were better and rates were lower at Nationwide. It is nice to have an agent I can talk to who can explain home coverages that are actually quite confusing if you read the fine print. Nothing beats having an agent who you can talk to rather than an 800 number!

8. USAA

USAA is just the best for taking care of their customers and making a stressful situation virtually stress free.I have had USAA since 1975. I qualified based on my father’s status as a US Army Officer. In 1978, I became qualified on my own when I received a direct commission as an officer.USAA used to be for Officers and their families only. Not long ago they opened up membership to non-commissioned officers, then to all active military. Recently they even opened up membership to include honorably discharged veterans as well.

They are ALWAYS there! When I lost control of my new pick up (11 months old) on slick streets, and totaled it in 2007, I was all alone. No one for miles in any direction. I called USAA to let them know what had happened. I was scared and alone, and the representative stayed on the phone with me until someone got to me. I was physically unhurt, but scared. She eased my fear and talked me through everything I needed to do. Gave me sound advice as to where to take the truck. Everything was handled smoothly and quickly. Settlement was swift. I was in a rental car in a matter of a few hours and in new car in a matter of days. We have been with USAA since 1976. We have had three burglary claims with them over the years and every one handled well and payment was swift. They are an honorable company who put their customers FIRST. They are fast, USAA.. Can’t beat their service and efficiency. Saved half on what I was paying with State Farm. Switched from State Farm after 35 years based on the way they handle my one and only claim. They sent me a letter not to accept, my State Farm Agent never called or would talk to me (always to busy). His office in Blairsville, GA lost the paperwork 3 different times. Finally after a year, I called the main office. I did get my money but would NEVER recommend or do business with State Farm again.

USAA, HIGHLY RECOMMEND

9. AAA

I just finished up a auto claim with AAA. I had used AAA for my first car years ago, but switched to geico and then state farm since I had to be insured on a college student budget.Post grad I moved back to AAA when I was making higher income. The past weekend was the first time I’ve had to actually invoke my car insurance coverage due to a hit on run on my car while parked.The response time, courteousness and professionalism shown by the AAA agent was amazing.

I intend to stay with AAA for many, many years to come. Thumbs up.

The most feared by other insurance companies. With AAA, nobody messes with you.

Quality of Service: 5 (out of 5).
Response Time: 5
Knowledgeable: 5
Rate: 4 (comparable with State Farm, whom I just cancelled policy with).
I’ve just switched back to AAA after 2-yr with STate Farm (“non-owner policy”), where both the local office & 800 number reps speak in a general homogenous, non-caring tone of voice. Thankfully, during the 2-yr, I had no need to file claims or other complicated issues with State Farm. So, really, my rating is based on “Service Quality”. They ought to record & listen carefully to how their own rep/agents speak.

Knowing you have selected a good car insurance company is peace of mind you will want to have before you get in an accident, have your car stolen, or encounter any number of situations that involve you having to make a claim. You don’t want to find out too late that your car insurance provider isn’t up to par.

This list contains the top ten best auto insurance companies based on affordability, value of services, and responsiveness. Because, after all, what good is having a rock bottom rate if you don’t get enough in return or can’t get the help you need when you need it.

Don’t agree with the list? Vote for an existing item you think should be ranked higher or if you are a logged in, add a new item for others to vote on or create your own version of this list.

1. Liberty Mutual

They are the BEST out there! I have gone to different ones and had to come back to them because they are so honest, so friendly and so professional. They are not ripping you off with those 6 month policies and with a bunch of other fees. Do your research… Call around and you will be shocked at how many of those other companies are charging for their premiums (double what Liberty Mutual charges) and then once they get you the first year with somewhat low rates, they hike them back up the second year! Do your research and you will realize that Liberty Mutual is the best all around!

This is an amazing company. I remember when I was small when my mother would show me her work (At Liberty Mutual). Everybody gave me mints and gave me a caring grin. When I passed there well lit offices. I loved the people there and I still do.

 am a 40 year customer. They are personal, competitively priced, and are quick and professional wiht price. Sometimes they try to raise prices at renewal time if you don’t stay on top of your policy.

2. Esurance

Thanks Esurance for the savings, Progressive wanted
$900.00 6 months and 21st wanted $1100.00 and ESURANCE
$525.00 what more can I say!

Simple, easy to use online interface with little or no lag time. You can change your policy and pay bills in literally seconds. 5/5 stars for convenience alone. Competitive rates too.

I was tired of my insurance payments going up and up and up, so thought it was time to start shopping for new insurance. I had tried over the Internet before but hadn’t a clue what I was doing, so I just gave up. I had my previous insurance elsewhere and came to find out I was paying way, way too much. I am saving $750. 00 a year by switching to Esurance! I could not believe it! I immediately started the process of switching, and I am now a new Esurance customer and a very happy one! Today, I received my policy and cards via email just as promised and am glad I switched!

[Newest]Better priced than Progressive with the most friendly phone agents I’ve encountered. Not only was a happy about my new move and the insurance switch by the end of the conversation but I’m looking forward to chatting with Doug again – Thanks Esurance, I feel part of the family.

3. State Farm

I love State Farm, they handle all my ins. My car, car loan, my Apt., and my health ins. My old car loan charged me a lot for gap insurance, my SF car loan gives me gap insurance for free, I saved money when I refinance my car with SF. My old insurance was more money, and my coverages were less. My agent explained what I had, and I picked better coverages and pay less. I also like their website. Nice being able to talk to real people 24/7, even in late at night, m and I am traveling, and in other time zones. Great service.

A company can’t stay number one in business unless the people in the company do what they promise. I have always been delivered more than promised by my State Farm Agent. No one asks how much they were paying when one has a claim. Price becomes pretty subjective. How fast and fair claim is handled matters the most when one has a loss.

Never in my life have I ever had a problem with state farm. My family and I have been there with them for 50 years. Are the premiums high? I have been self employed for quite a few years. If you want me, you will pay a premium for that due to the service you get. State Farm rates are in with the rest, but my agent Kelly Langen is the best and I would never change for lousey service to save a buck!

[newest]

I have been with State Farm since Allstate discontinued me around 1972. This is a great company, as I have them for everything. Paul Funk is my agent in Catonsville, Md. I also consider him a good friend.S. garner.

4. Allstate

I switched from State Farm to Allstate… SF really don’t give a damn about their clients. When I retired I moved to another state and my rates doubled because SF charged me for 3 incidents because a SF policyholer rearended me and they said I could have used my policy, even though their ph was at fault 100,,,, their customer rating system is difficult to understand and they cannot explain it I’ve found a company that cares about ther clients.

One never really knows how good his or her insurance provider is until disaster strikes. I was broadsided by an SUV that ran a red light. The other driver did not have insurance, and both my wife and I went to the hospital. Allstate’s response was compassionate and swift. A few days later all bills were paid. My rates did go up, but the rate hike was well worth the peace of mind I felt. I am sticking with Allstate.

Had GEICO in the military, switched to Allstate, for car & house. A “Common Sense” company. They stood behind us for over 2 years of a law suit, because of our good record! Some kids plowed into us with his junk heap, No insurance, No State license, & they were suing for so much, as our agent said: to set themselves up for a “life of Riley”! Great folks who work for them too & Now we get rebates, 2 x a year, for our good driving record!

[newest]

I have both auto and renters with Allstate and get an awesome discount for multiple policies. My agent is local, and the customer service at 1-800-Allstate is awesome too! I know there are cheaper insurance companies out there, but I always keep this in mind, “Good insurance isn’t cheap. Cheap insurance isn’t good.”

5. GEICO

I love GEICO, they have EXCELLENT customer service! They are always great, they’re always so personal, they are always there to help all day and night and weekends and you don’t have to worry about someone being on vacation or sick because there’s always more and great agents there to help. Plus they work with other outside companies and you can get discounts other places just for being with them. I just wanted to say I think GEICO is worth calling and getting a quote if you don’t already have a policy.

Switched from Allstate after 24 1/2 year and Saved $600.00 every 6 months. Was paying $1298 and now $698. 10 and now I’m switching home insurance also. Thank You GEICO for SAVING me $1200 a year on my AUTO.

I just switched to Geico because of these comments. I thought the whole, “save you more money, ” marketing was just a gimmick, but I really did save money. My bill has gone down! I’m paying less for 2 vehicles than I was for 1 vehicle with another provider, same features! I spoke with 3 different people, and all of them were great, and personable. I didn’t feel like just another number. Awesome rates, awesome service. Highly recommended.

[newest]

I have a few dings on my credit and driving record… ok, I lied, my driving record is horrible, as is my credit. No insurance company would touch me even though I have not had an accident in 15 years. Not only did GEICO give me a policy, they made it really easy to make payments and also help me to remember to make payments and having the GEICO App on my phone makes it easy to always have the most current policy cards in my car. Thank you GEICO. Customer for Life.

6. Progressive

I used to have Farmers insurance until I got in an accident. Even though I had a local insurance agent, because I had to file my claim after hours, I had to contact a generic claims call center. Then, since I initiated the claim using the 1-800 number, I had to complete the rest of the process that way. At that point I was asking myself why I was paying a premium to have a local agent when he was doing nothing to help me. After the whole experience, I decided to shop around and ended up choosing Progressive. They had much better prices and since it no longer mattered to me to have a local agent, I signed up. I’ve had nothing but a positive experience with Progressive so far.

I shopped around for the best price for the coverage I wanted and Progressive undercut the others by around $1200. Every 6 months my monthly premium goes down. After the first six months we added another car, and the premium only went up by $6 because the policy dropped by such a significant amount. They’ve been good at getting my documents to me quickly, and having 24 hour customer service – which I’m coming to appreciate more and more with the odd hours I’m awake and work.

After I switched to Progressive I got into a car accident. I did not know exactly what I needed to do, but the people at progressive helped me the entire way. All I had to do was choose where I wanted to have my car repaired and they did the rest. Since I used one if the shops they referred I had my car back in less than a week. Quick and painless, all I had to do was make a call.

[newest]

Progressive lets you name your price. Then they give a bunch of options. You can not say no to that

7. Nationwide

I just switched from State Farm to Nationwide and State Farm was reasonable, though I wasn’t necessarily happy with the coverage. It was only $79 a month for full coverage, but they didn’t have accident forgiveness, if I got into an accident, I would have to pay 20% of the rental fee for a car, and the lowest deductible for collision they will go is $250. I switched to Nationwide a week ago and the quote was for $70 a month, (every little bit counts) but the big difference is the coverage. I got accident forgiveness included, also they pay 100% of car rental fee, and I only have $100 deductible for collision. However they do have $0 deductible but 100 I can do. This is for a 2011 Ford Focus which Focuses are generally cheap to insure.

I was 19 years old when I got my first car and my driving license.Before buying my car, I talked to many agents from different car insurance company and progressive was the cheapest one, $1500 dollars for the first year, driving a 2002 Camry with 101k miles on it. Let’s say it was a fair price for not having experience before.When I had to renew my contract, Progressive wanted me to give them $100 more per year, without having any accident or tickets.

I did my car insurance shopping again and Nationwide was giving me the same coverage for my car, better medical payment for a cheaper price.

Now I am paying only $1,100 dollars per year. Nationwide saved $400-$500 a year. The only issue I had with Nationwide is that no-one in my house can drive my car, if they do so, Nationwide won’t pay if they have an accident.

I LOVE nationwide! I previously had State farm under my parents, and switched onto my own when quoted. I received a call the next week telling me it would be 90 more a month! I called EVERYWHERE and the cheapest I could find was 4000/6 months, until I called nationwide. (I am only 18 with a new car and high coverage. ) My new agent is VERY nice and informative and I am only paying 1200/6months. One week after switching, someone totaled my car, and Nationwide was right there, helping me through everything. I would NEVER switch! Go Nationwide!

[newest]

I had USAA for many years and found that my coverages were better and rates were lower at Nationwide. It is nice to have an agent I can talk to who can explain home coverages that are actually quite confusing if you read the fine print. Nothing beats having an agent who you can talk to rather than an 800 number!

8. USAA

USAA is just the best for taking care of their customers and making a stressful situation virtually stress free.I have had USAA since 1975. I qualified based on my father’s status as a US Army Officer. In 1978, I became qualified on my own when I received a direct commission as an officer.USAA used to be for Officers and their families only. Not long ago they opened up membership to non-commissioned officers, then to all active military. Recently they even opened up membership to include honorably discharged veterans as well.

They are ALWAYS there! When I lost control of my new pick up (11 months old) on slick streets, and totaled it in 2007, I was all alone. No one for miles in any direction. I called USAA to let them know what had happened. I was scared and alone, and the representative stayed on the phone with me until someone got to me. I was physically unhurt, but scared. She eased my fear and talked me through everything I needed to do. Gave me sound advice as to where to take the truck. Everything was handled smoothly and quickly. Settlement was swift. I was in a rental car in a matter of a few hours and in new car in a matter of days. We have been with USAA since 1976. We have had three burglary claims with them over the years and every one handled well and payment was swift. They are an honorable company who put their customers FIRST. They are fast, USAA.. Can’t beat their service and efficiency. Saved half on what I was paying with State Farm. Switched from State Farm after 35 years based on the way they handle my one and only claim. They sent me a letter not to accept, my State Farm Agent never called or would talk to me (always to busy). His office in Blairsville, GA lost the paperwork 3 different times. Finally after a year, I called the main office. I did get my money but would NEVER recommend or do business with State Farm again.

USAA, HIGHLY RECOMMEND

9. AAA

I just finished up a auto claim with AAA. I had used AAA for my first car years ago, but switched to geico and then state farm since I had to be insured on a college student budget.Post grad I moved back to AAA when I was making higher income. The past weekend was the first time I’ve had to actually invoke my car insurance coverage due to a hit on run on my car while parked.The response time, courteousness and professionalism shown by the AAA agent was amazing.

I intend to stay with AAA for many, many years to come. Thumbs up.

The most feared by other insurance companies. With AAA, nobody messes with you.

Quality of Service: 5 (out of 5).
Response Time: 5
Knowledgeable: 5
Rate: 4 (comparable with State Farm, whom I just cancelled policy with).
I’ve just switched back to AAA after 2-yr with STate Farm (“non-owner policy”), where both the local office & 800 number reps speak in a general homogenous, non-caring tone of voice. Thankfully, during the 2-yr, I had no need to file claims or other complicated issues with State Farm. So, really, my rating is based on “Service Quality”. They ought to record & listen carefully to how their own rep/agents speak.