How to Choose the Best Auto Insurance Company

Before you choose choose the best auto insurance company you can find, read auto insurance companies' consumer reports and the best auto insurance reviews you can find. You can save as much as 70% based on where you live and up to 48% based on the auto insurance company you choose.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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We’ve put together the best consumer checklist for choosing the best auto insurance company, so if you’re asking, “How do I choose the best car insurance?” We’ve got you covered.

After reading through the different varieties of coverage, the next thing on your list should be to choose the best auto insurance company. Our site features the top 10 auto insurance companies in the USA, and in some cases, the top 20 auto insurance companies.

You’d think that automotive insurance companies would price their policies competitively in order to get more business, and that monthly premiums would be very similar between companies – but you’d be wrong. The car insurance industry is shrouded in so much secrecy, and because personal circumstances can vary significantly from one driver to another, your monthly premium could vary by $50 or more per month between providers – an overall price difference of $600 or more per year!

For this reason alone, shopping around for the best deal is essential for your financial health. We help you find cheap car insurance rates so you can make the best decision. If you’ve been wondering how to choose the best auto insurance company, the first step is comparison shopping, so enter your zip code.

Below, we have provided a short list of car insurance companies and a comparison of rates to show how much you can save by getting multiple quotes at one time based on where you live and the company you choose.

How Insurance Rates Can VaryLegend: Typical Rates in Florida Typical Rates in Colorado State FarmAllstateGrangeFarmers 102030405060708090100110120130$71$50$86$67$100$27$136$40

Shop Around, Do Your Research

To get the most out of your automotive insurance policy, you’re going to want to compare quotes from at least 3 different companies in your zip code. That way, you can be sure that you’re getting a good deal. Additionally, monthly premiums are only a part of the equation; if you’re paying a low monthly rate, but your provider doesn’t provide good service in the event that you need to file a claim, then all of that savings might be for nothing. So make sure you get an idea for your insurance company’s service record before you sign anything.

Different Companies Cater to Different Driver Needs

Do you have bad credit? Or a blemished driving record? Are you a young driver? Or maybe you have a DUI on your record and require SR-22 insurance?

Either way, different drivers have different needs. And, sometimes, those needs mean that you don’t qualify for the run-of-the-mill auto insurance policy which most companies offer. However, there are providers out there which cater to drivers with specific needs. Make sure you shop around in your area to find one of these specialty providers if any of the above scenarios apply to you.

Check the Company’s Finances

Lastly, it’s a good idea to take a look at the best insurance companies consumer reports. The reports will include ratings and financial information. Make sure that they are solvent, and able to pay their claims. Generally, this information is readily available from various rating agencies. The following are a few:

  • Fitch, Inc: 800-893-4824
  • Moody’s: 212-553-0377
  • Standard & Poor’s: 212-438-2400

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