The Best Car Insurance Companies of 2023
Nationwide is the best car insurance company of 2023—but Travelers, Allstate, and Safeco are all strong contenders.
Written by Amy Bobinger
Edited by Jessica Barrett
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Nationwide has two usage-based insurance programs: SmartRide® , which rewards safe driving habits with premium discounts, and SmartMiles®, which offers low insurance premiums to low-mileage drivers. | Drivers with a DUI pay higher-than-average rates with Nationw |
Available in: AL, AZ, AR, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, IA, KS, KY, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
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Erie’s Rate Lock® allows drivers to lock in their car insurance rates until they make major policy changes, such as adding a new driver or vehicle. | Digital policy management options are limited, and drivers with low credit pay higher than average rates |
Available in: DC, IL, IN, KY, MD, NY, NC, OH, PA, TN, VA, WV, WI
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Travelers offers Premier New Car Replacement for totaled cars five years old or newer and a discount of up to 10% for new car owners. | Travelers’ claims process gets a low grade for a company with its size and financial strength. |
Available in: AL, AZ, AR, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, WI
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Farmers Rideshare insurance covers policyholders who drive for Uber and Lyft in the gap when waiting for customers. | Farmers’ rates are slightly higher than the national average for most customers. |
Available in: AL, AZ, AR, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY
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Allstate offers a Claim Satisfaction Guarantee: if you’re not happy with your claim, you’ll get a six-month credit on your car insurance policy. | Out of all the companies we surveyed, Allstate received the lowest grade on the 2023 CRASH Network Insurer Report Card. |
Available in: All 50 states and Washington, D.C.
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Pet coverage is included as a standard part of any comprehensive plan and automatic small accident forgiveness is included in every policy. | Customer service ratings for Progressive are mixed. |
Available in: All 50 states and Washington, D.C.
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With Safeco’s Claims-Free Cash Back program, drivers who go six months without submitting a claim can get 2.5% of their premium back. | Safeco gets below-average customer satisfaction and claims handling scores from J.D. Power. |
Available in: All 50 states and Washington, D.C.
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Mercury earned the highest overall customer satisfaction score in our analysis. | Mercury doesn’t have many extra coverage options, such as new car replacement and diminishing deductibles. |
Available in: AZ, CA, FL, GA, IL, NV, NJ, NY, OK, TX, VA
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GEICO does not offer rideshare insurance or gap coverage. |
Available in: All 50 states and Washington, D.C.
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State Farm earns some of the highest expert ratings for claims and customer satisfaction. | You can’t get an online quote—the only way to buy a policy is through a local State Farm insurance agent. |
Available in: All 50 states and Washington, D.C. (no new policies in MA and RI)