Whether you’re looking to switch insurers or this is your first time picking out a policy, our picks for best auto insurance companies offer all the coverage you need.
The companies on our list all offer the five main types of coverage: collision, comprehensive, personal injury protection, liability, and uninsured/underinsured motorists coverage.
They also have a slew of discounts to help offset the cost of your monthly premium. You can lower your rate by choosing paperless billing, insuring multiple cars, taking safe driving courses and staying with the same company, among others.
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| 8 Best Car Insurance Companies for June 2023 |
We prepared a comprehensive breakdown of each company’s policies, provisions and perks to help you on the road to solid and affordable protection.
So, hop in as we review the eight best auto insurance companies for June 2023.
Our Top Picks for Best Car Insurance Companies of June 2023
- Amica Mutual - Best Car Insurance Package
- Progressive - Best for Customizable Premiums
- State Farm - Best for Young Drivers
- Farmers - Best for Essential Worker and First Responder Discounts
- Nationwide - Best for Flexible Policies
- GEICO - Best Mobile App
- Allstate - Best Usage-Based Insurance Program
- USAA - Best for Military Members
Why we chose it: Amica Mutual made our list for its Platinum Choice Auto policy, which lets drivers earn Advantage Points rewards and save significantly on their deductible.
Amica Platinum Choice Auto Policy is a ready-made package that includes all the basic coverage most people need, in addition to unique perks such as identity fraud monitoring.
In addition, it offers deductible-free glass coverage, rental car coverage and an Advantage Points program where drivers can earn points to reduce their deductibles or keep rates from increasing after a claim.
Amica breaks down its coverage into two categories: the things you need to have and those that are nice to have.
Its offerings include:
- MedPay — additional coverage for medical bills and funeral expenses
- Collision — covers accident-related damage
- Comprehensive collision — covers damage caused by theft, fire or other natural disasters
- Guaranteed asset protection (GAP) — covers the “gap” between what you owe and the depreciated value of your car if it were to be totaled
- Credit monitoring service — offered by very few companies, this can help you keep track of your credit and alert you to any potential identity theft
As for customer satisfaction, Amica has had the highest score in the New England region for 10 years in a row in J.D. Power's Auto Insurance Customer Satisfaction study. Amica also has a low National Association Of Insurance Commissioners (NAIC) complaint ratio (rate increases and delays in claims handling are recurring issues) and received a B+ in the 2022 CRASH report card, where mechanics rate insurers based on how they handle policies and make payments.
Amica car insurance discounts
Bundling policies and insuring multiple vehicles
Paperless payments, up-front premium payments and AutoPay
Good driving habits: being claim-free for three years and taking a defensive driving course
Young drivers: for completing a training program, students with good grades and full-time students away at school
Having anti-theft devices, passive restraint or electronic stability features
Loyalty discounts after two years of being insured
Legacy discounts for drivers under 30 whose parents have been insured with Amica for at least five years
Why we chose it: We picked Progressive as the best car insurance for customizable premiums because its Name Your Price tool lets drivers pick coverage that fits their budget.
Customization sets Progressive apart from the rest. With the Name Your Price tool customers set a budget and Progressive creates a policy to match it. From there, policyholders can pick and choose coverage limits and deductibles.
For example, you can increase the deductible for collision coverage and save on your premium; however, note that if you're in an accident, you'll have to pay a higher amount before the insurance kicks in.
Among the notable add-ons Progressive offers is GAP coverage. For an extra $14 a month, this coverage pays up to 25% of the difference between the value of the vehicle and what you owe. Another valuable add-on is the custom equipment coverage that you can use to repair any accessories meant to aid mobility, a GPS system or any other customization you’ve done to the vehicle.
Progressive also covers some things that few other insurers do. One is rideshare coverage, which covers you if you work for any type of rideshare service (Uber, Lyft or even food delivery), whether you do it full time or as your side hustle. In addition to this, Progressive’s collision policy covers medical care for any injuries your pet sustains during an accident.
In terms of savings, Progressive's telematics Snapshot program uses driving data such as acceleration, braking and distance and gives drivers a discount for safe driving behavior. It also gives customers the option of joining its deductible savings bank. This program puts $50 into savings every six months that go by without a claim until it reaches your deductible limit. Then, if you file a claim your deductible will already be paid for.
Progressive car insurance discounts
Bundling auto insurance policy with home, renters or life insurance
Insuring multiple vehicles
Choosing automatic and paperless payments
Maintaining continuous coverage with Progressive
Teen driver discounts: full-time students with good grades and students away from home
Progressive car insurance tools
Find coverage options within your budget with the Name Your Price tool
Car insurance calculator based on your state and personal details
Get personalized rates with Snapshot, a usage-based insurance program (not available in California or North Carolina)
Mobile app: view your driving status, see recent trips and learn ways to improve your driving
Why we chose it: We chose State Farm as the best car insurance for young drivers because it rewards teenage student drivers with a GPA of 3.0 or higher with up to 25% in savings.
Teen drivers are the most expensive to insure, but State Farm stands out from other insurers by offering teen drivers steep discounts that can offset the high premiums. With the Good Student Discount policyholders can save up to 25% if their teen driver keeps a GPA of 3.0 or higher until they turn 25. Drivers under 21 can also get a discount for taking a driver’s ed course.
Additionally, the “Student Away at School” discount helps customers save by only covering the student while at home on vacation and holidays.
State Farm is well known for its network of close to 19,000 agents across all fifty states. This makes it ideal for people who prefer more personalized service, and who prefer to have a dedicated agent they can go to with questions. It was also the highest ranking car insurer In J.D. Power’s 2021 Auto Insurance Customer Satisfaction report in the Southwest region and came in second in Texas, New York and the New England and Northwestern regions.
As for its policies, State Farm offers rental cars and travel expenses coverage for when you're in an accident 50+ miles from home. Others cover road assistance if your car breaks down (i.e. you get a flat tire, need a jumpstart, or you locked your keys inside the car), whereas State Farm’s travel expenses coverage extends its roadside assistance if you're in an accident and the accident is covered by your comprehensive and collision insurance. This pays up to $500 per loss for expenses like hotel and food, as well as a rental car while your car is in the shop.
One of State Farm’s notable discounts is the Drive Safe and Save telematics program which monitors your speed, braking and other driving factors and provides feedback on these. State Farm gives you a discount just for enrolling and once you start using the app you can get up to 30% discount for safe driving habits.
State Farm car insurance discounts
Bundling with renters, homeowner’s or life insurance policies
Insuring multiple vehicles
Drive Safe & Save telematics program rewards you for good driving habits
Defensive driving courses (in select states)
Vehicle safety features (seatbelt, airbags on older vehicles)
State Farm car insurance tools
Mobile app: pay bills, file claims, request roadside assistance, view ID cards and link your bank account
Make car reservations through Enterprise or Hertz
Directory of reliable auto repair shops
Best for Essential Worker and First Responder Discounts: Farmers
Why we chose it: We chose Farmers as the best car insurance for essential workers due to its array of discounts tailored specifically for teachers, healthcare workers and other first responders.
Why we chose it: Farmers is our pick as the best car insurance for essential workers for its array of discounts aimed specifically at teachers, healthcare workers and other first responders.
Although Farmer’s rates aren’t the lowest on the market, it offsets these by offering policies and discounts that not many other insurers offer. One example is its Affinity discount, which gives healthcare professionals, members of certain organizations as well as active, reserve or honorably discharged military personnel.
Another notable discount is the Senior Driver discount for people over 55 (or 65, depending on the state) who take a state-approved safe driver training. This is valuable because senior drivers, like teen drivers, pay higher premiums because they’re seen as riskier to insure.
For classic car enthusiasts, Farmers offers classic and collector car insurance. With this coverage, you can protect your collectible at the car show down the road or even while abroad. Policyholders can pair this with spare parts coverage and get up to $750 for spare part repair or replacement, at no extra cost.
A drawback to Farmers is its slightly higher than average rates; however its unique offerings makes it a great option for those who are willing to spend a bit more for custom coverage.
Farmers car insurance discounts
Bundling insurance policies and insuring multiple vehicles
Student discounts for good grades and being away from home
Automatic, paperless and on-time payments
Shared family car (not available in California)
Anti-theft, anti-lock brake and passive restraint systems
Hybrid/electric vehicles or those powered by other alternative fuels (only in California)
Discounts for military members and other essential service professionals
Farmers car insurance tools
Mobile app: chat with an agent, request roadside assistance, get a quote
Specialty insurance options like motorcycle and boat insurance
Why we chose it: We chose Nationwide as the best for flexible policies because it offers a free yearly policy evaluation where drivers can review their coverage, ask questions, make changes and apply for discounts.
Nationwide offers a variety of standard and optional coverage to choose from. To help drivers choose the right coverage year after year, Nationwide provides the On Your Side Review, a yearly evaluation where customers can bring up questions about their policy and evaluate whether the discounts and benefits still work for them.
Nationwide offers two programs that can help you save based on your driving habits. SmartRide is a telematics program that tracks your driving (miles driven, idle time, night driving acceleration and braking) and gives you feedback to improve your driving. You get 10% off by signing up and can save up to 40% based on how safely you drive. The other program is SmartMiles which charges a base rate of $60 and a variable rate of $0.07 per mile driven every month.
Nationwide also offers the Vanishing Deductible. This discount rewards you with $100 off your deductible for each accident-free year, up to $500. So, let’s say you’ve been with Nationwide for four years without incident. If you do have an accident in your fifth year you'd pay a $100 deductible and you’ll continue earning a yearly reward of $100 the next year.
Nationwide boasts the lowest NAIC complaint index on the list with 0.39, however its ranking on J.D. Power’s U.S. Customer Satisfaction study was below average.