The Best Car Insurance Companies of 2022

The purpose of car insurance is to protect you from additional expenses due to accidents or malfunction. It is common for most countries to require drivers to have this model of protection. There is high competition between companies. That can lead to issues with the selection, especially if you are not sure about your needs.
It is important to check more details about different options and compare them to determine the best offer. We are going to introduce you to the key features and best car insurance companies.

How To Choose the Right Option?

Car insurance companies can offer different plans, and provide advantages, but also have some downsides. Some factors can help you decide about the right option. In most cases, people check the prices before any other details. It can be beneficial to learn more about the methods they are using to calculate the premiums.
Parameters that insurance companies include in the calculation are credit rating, age, location, and marital status. According to the statistics, people with higher credit scores have fewer car accidents. The same is for drivers who are married. On the other hand, drivers with less experience and people living in high-traffic areas often have to pay more.

Best Individual Car Insurance Companies

1. Amica

Key Features:

Checking the experience of other drives is an efficient way to learn more about different solutions. Amica has a high position, with many satisfied clients. This company is offering various programs. One of the main advantages is their customer support which can always assist when you are not sure about the selection.

Types of Subscriptions:

  • Standard coverage with an average price of around $1,400 annually.
  • Platinum coverage.

Main Benefits:

  • Excellent customer service and additional benefits for Platinum users, such as protection from fraud, accident forgiveness, rental coverage, discounts, and full glass coverage.

Downsides:

  • Strict rules where some drivers find it hard to get this coverage.

2. USAA

Key Features:

This company is focusing on veterans and members of the military services to provide them with low-cost coverages. When it comes to car insurance, they are one of the best options on the market.

Types of Subscriptions:

  • A standard plan that costs $1,200 per year
  • Additional Coverages

Main Benefits:

  • The main advantage is the low price. Also, it is available all across the country.

Downsides:

  • It is limited only to military members and their families.

3. Geico

Key Features:

It represents an affordable and safe option. Also, Geico is excellent for people who prefer using online tools. The mobile app is convenient, and you can get through the whole process online. It is excellent for drivers without any recent accidents.

Types of Subscriptions:

  • Standard Plan
  • Senior
  • Military
  • Federal Employees
  • Student
  • Member and Employee

Geico provides discounts for each of these premiums.

Main Benefits:

  • Wide range of discounts, modern website and mobile app, and great customer support.

Downsides:

  • Only 150 locations are available.

4. State Farm

Key Features:

One of the main features is that there are over 19,000 agents available in the US. The standard car insurance is below the average, with the price of $1,450 when you have a clean record and up to $1,650 if you have had an accident lately. State Farm is one of the biggest car insurance companies in the United States.

Types of Subscriptions:

  • Collision Coverage
  • Comprehensive Coverage
  • Liability
  • Car Rental
  • Uninsured Coverage
  • Medical Expenses
  • Road Service
  • Rideshare

The price depends on history, driving activity, location, age, car condition, and more.

Main Benefits:

  • Accessibility, lower prices, and lower rates after an accident. Also, you can choose from a variety of plans.

Downsides:

  • It can be difficult for people who had accidents before to get this car insurance.

5. Erie

Key Features:

The main reason why this option is so popular is that it provides users with higher consistency in their premiums. Erie represents a regional insurance company, which leads to some limitations. Also, it is one of the most affordable insurances, especially for drivers with previous penalties.

Types of Subscriptions:

  • Auto Plus, is a model that offers up to 10 days of coverage for road assistance and transport of your car. Also, the coverage will increase each year without additional expenses
  • Rate Lock will keep the rates at the same level.
  • Gap Insurance is an excellent model that will protect you from expenses in case your car is totaled. This coverage will compensate for the difference in the value of the vehicle in the current condition and the real value of that model.
  • New Car Value provides you with the full coverage for the real value of the vehicle, not the current price.
  • Reimbursement will cover your expenses while the car is in the repair shop.
  • Rideshare coverage.

Main Benefits:

  • Erie offers the best premiums for covering the expenses in case of serious car accidents and complex repairs.

Downsides:

  • It is available only in 12 states, while other car insurance companies offer better accessibility.

6. Nationwide

Key Features:

If you are a confident driver without any incidents in the past, you should look for a car insurance company that knows how to award such drivers. In that matter, you should check Nationwide. Driving without any issues that will include the actions of this insurance company will provide you with a discount of up to 40%.

Types of Subscriptions:

  • Liability
  • Uninsured
  • Personal Injury Coverage.
  • Collision

Main Benefits:

  • Many satisfied clients, the ability to save money over time, and personalization of rates.

Downsides:

  • There is a lack of plans that you can combine in premiums. Also, the prices are higher when we compare it with similar car insurance companies.

7. Progressive

Key Features:

The main advantage is related to online tools that allow users to get through the process online, which is more convenient. The interface is quite simple, and it can help you to calculate the best premium. Also, it is one of the rare car insurance companies that offer coverage for pets.

Types of Subscriptions:

  • The price of a standard premium with a clean record is $1,500.
  • People with one penalty will need to pay around $1,800.
  • In case you had an accident in recent times, the price is over $2,200 annually.

Main Benefits:

  • Great selection of premiums for different types of vehicles and flexibility with an available online platform.

Downsides:

  • We can notice that the experience is not the same in all regions and that there are some complaints.

8. The Hartford

Key Features:

Hartford is the only car insurance company that offers premiums to older citizens through the AARP program.

Types of Subscriptions:

  • Recover care represents the unique model of coverage where an injured person will be provided with assistance like snow removal, dog walking, house cleaning, and more.
  • Standard and Additional Coverage plans.

Main Benefits:

  • Flexibility in choosing different coverages and focusing on older citizens.

Downsides:

  • It is one of the most expensive options.

9. Allstate

Key Features:

Provides clients with various promotions through a rewarding system. That is a great way to motivate people to drive safely. Also, there is an online platform where you can determine the best insurance for your needs.

Types of Subscriptions:

  • The membership plan provides travel and shopping discounts.
  • Additional Options like Glass Repair, Gap Coverage, Reimbursement, and more.

Main Benefits:

  • The tracking system will award you with points when you are driving safely, and you can use them to get various discounts.

Downsides:

  • Lower ratings based on clients’ reviews and higher-than-average price of premiums.

10. Clearcover

Key Features:

Clearcover represents an innovative company that is integrating digital tools to provide better service to clients. The main advantage is the simplification of the process of getting the insurance.

Types of Subscriptions:

  • Property Damage Liability.
  • Bodily Injury Compensation.
  • Uninsured Coverage.
  • Medical Expenses.
  • Collision
  • Comprehensive Coverage.

Main Benefits:

  • Adaptation of new technologies and innovative approach that provides users with up to 30% cheaper policies.

Downsides:

  • It is limited to only 16 states at the moment.