Best Overall Car Insurance Company: Erie
Erie is the cheapest insurance company, and arguably the most reliable insurance company as well. They score points by allowing customers to start their quote online, which we personally found to be a streamlined and fast process. Erie also scored the highest marks from the number of policies they offer. Erie offers pet coverage, free accident forgiveness, free vanishing deductibles, roadside assistance, and many more, essentially giving its customers a degree of flexibility not even found amongst the largest insurers. Customers of Erie may also be eligible for its Rate Lock program. This is a unique program where customers won’t see their rates increase except for three reasons: you move to a different area, add or remove someone from your policy, or add or subtract a car. Lastly, despite its smaller size, Erie offers the same types of discounts larger national insurers provide such as bundling, anti-lock brakes, anti-theft, young driver and senior driver among others.
The biggest downside to Erie is that it is only available in Illinois, Indiana, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin. As well, Erie still relies strongly on its agent network; which isn’t always a bad thing. A strong agent network is usually key to ensuring a smooth claims process. If you want to quickly buy car insurance without speaking to anyone though, Erie may not be the company for you. While you can start the process online, you ultimately will have to speak with an agent to finalize your quote. Erie will be ideal for any customers within its market, who do not mind putting in some extra effort to get quality and cheap auto insurance.
Best Large Car Insurance Company: State Farm
Of the biggest auto insurers in the U.S. — State Farm, GEICO, Allstate, Progressive and Farmers — State Farm ranks as the greatest overall. State Farm was rated 4/5 stars by customers and policyholders in a JD Power survey on companies shopping experience. State Farm is best known for its large agent network; they boast over 18,000 across the nation. It shouldn’t be surprising then that State Farm gets 5/5 stars for how its agents interact with customers. As well, State Farm is great when it comes to offering discounts. If you go with State Farm you will have up to 15 discounts to be eligible for which can equal hundreds of dollars worth of savings.
While State Farm’s shopping experience is well-reviewed, customers did not feel as strongly about it’s claims handling process. The company scored about the same as the other four large companies, but was still mediocre. A large national company may be expected to not be very efficient because of the various departments involved in handling individual claims. If you want the assurances guaranteed to you by a large, «legacy» carrier, then State Farm is the best to go with.
Best Auto Insurance Company after an Accident: Progressive
We found Progressive was the most affordable car insurance rates after a recent accident compared to the many auto insurance companies we surveyed. From the $1,241 average we state above, rates increased by 29% after an at-fault accident. While that may still seem high, it was the smallest rate increase we saw of any company including Erie, State Farm, GEICO and American Family.
Other pros of Progressive include it being an online company. You can get a quote directly from the Progressive website without having to speak to an agent. Cons of Progressive involve its customer service. Customers in the J.D. Power survey only gave mediocre remarks for Progressive for its buying experience and claims handling process. It isn’t the worst, but Progressive is far from the best in the field. Because of this, Progressive might be the best insurer ideally for customers prioritizing low rates, especially after an accident, and do not mind a bit more cumbersome claims handling process.
Rank Company Starting Rate After Accident Rate Percent Change
1 Progressive $1,241 $1,605 29%
2 Sentry $2,397 $3,220 35%
3 State Farm $1,372 $1,788 35%
4 Erie $1,052 $1,489 41%
5 Safe Auto $1,855 $2,634 42%
Best Car Insurance Company for Military Members: USAA
If you are or were in the military, or if your parents, parent-in-law, or spouse was in the military you are eligible for USAA auto insurance, and they may just be the best company for you. USAA scores 5/5 stars for the both shopping experience, and claims handling process in the J.D. Power study. They do particularly well on how you can report your claims to the company. You should also be highly satisfied with their final settlement claims. For more information, read here.
Best Car Insurance for Low-Mileage Drivers: Metromile
If you find yourself away from the wheel more times than not, a pay-per mile auto insurance company like Metromile may be the best company to go with. Metromile is one of the first companies in the U.S. where a bulk of a driver’s premium is determined by how much they drive. How much is too much? We found that generally for Metromile to be a good deal, drivers should only drive 7,500 miles or less per year. The biggest downsides to Metromile is a mediocre record of claims handling, in addition to the company only being available in seven states: CA, IL, NJ, OR, PA, VA, WA.
Best Auto Insurance for Handling Claims: The Hartford
Also known as AARP, The Hartford was the recipient of the 2016 J.D. Power study for car insurance companies ability to handle claims. The Hartford scored 5/5 stars for nearly every step of the claims process; from notifying them, to the repair process, and the final settlement. Those who think a smooth claims process is the most important factor for car insurance, The Hartford should definitely be considered.
Rank Company Initial Claims Process Service Appraisal Repair Process Settlement Overall
The Hartford 5 5 4 5 5 5
2 USAA 5 3 4 4 5 5
3 NJM Insurance Co. 5 5 5 3 5 5
4 Erie Insurance 5 5 5 5 5 5
5 Auto-Owners Insurance 5 5 4 4 5 5
Best Company for the Shopping Experience: Liberty Mutual
Liberty Mutual actually tied Erie insurance for this category, but since we already called Erie the best overall company, we’ll describe how Liberty Mutual is well known for a strong shopping experience. Customers of Liberty Mutual report in the study they were particularly satisfied with the flexibility of policies offered by Liberty Mutual, as well as their relationship with Liberty Mutual agents. If Erie is not located in your state, Liberty Mutual can be a good alternative if you can get a competitive rate.
Rank Company Policy Offerings Contentment w/ Pricing Local Agent Overall
1 Liberty Mutual 5 4 5 5
2 Erie 4 5 4 5
USAA 5 5 NA 5
4 The Hartford 5 5 3 5
5 American Family 4 4 4 4
The Best Car Insurance Coverage for You
To determine how much auto insurance is best for you comes down to understanding your current economic circumstances and how the different types of coverage work together. If you own a car, buying car insurance is inevitable, so it is really important you are getting the right amount for the right price. The following table gives a quick summary of what types of insurance you should have.
Type of Coverage Should You Have It?
Bodily Injury Liability
Required in mostly every state except FL
Property Damage Liability Required in every state
Uninsured Motorist Required in 22 states and/or you do not have PIP or Collision insurance
Collision and Comprehensive Recommended only if your car is worth more than $2,000
Person Injury Protection/Medical Payments Required in 15 states and/or you do not have health insurance
As to how much coverage you should have will depend on your economic situation. High net worth individuals should get high liability limits, as in those well above the minimum mandated by the state. In fact, they should have limits that equal their net worth. To read more in-depth about how much coverage you need, you should read on here.
Methodology: How We Got Our Info
We collected quotes from a variety of insurance companies across 2,700 towns and cities in the U.S, for 128 insurance companies. Our sample driver was a 30 year old male who drove a 2011 Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, and had a clean driving record. The only parameter that changed was the zip code where he lived in the U.S. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.
One Sure Insurance has quickly grown to become one of the UK’s leading independent insurance brokers. Over the years, we have established a healthy working relationship with many insurance underwriters, which allows us to pass the savings directly onto the consumer (you). If you’re on the look out for a leading independent auto insurance broker, you might just find that One Sure Insurance is able to provide affordable car insurance quotes in comparison to some of the larger car insurance comparison sites.
Helping You To Obtain The Cheapest Car Insurance Quotes
One Sure Insurance is able to offer tailored advice that is individual to your needs and requirements. As a leading car insurance broker, we are able to offer you competitive pricing over the phone. For a fast and simple way to obtain a quote for your auto vehicle, simply call us on 0800 107 0912 or 0330 100 9091 (mobile friendly).
If you prefer to carry out an online quote, we offer a simple and easy-to-use car insurance quote form that will allow us to gather all of the necessary details about you and your vehicle. All we require from you is personal information such as your date of birth, postcode and your career, as well as information relating to your driving experience, habits and your motor vehicle.
Once the form has been completed, one of our specialist car insurance sales agents will be more than happy to run through your quote and provide you with an individually tailored car insurance quote. We will be able to advise you on the different options that may also reduce your car insurance premium — such as your level of voluntary excess, the option to protect your NCB (No Claims Bonus), and the option of paying in one installment — or over monthly installments.
Comprehensive, Third-Party Fire and Theft, or Third Party
Typically speaking, our insurance partners offer three levels of cover. These are:
Did you know…?
Third Party cover only won’t cover you in the event that your car is stolen.
In 2013, 96% of all car insurance policies were under comprehensive cover, with non-comprehensive policies covering the remaining 4%. (according to ABI.org.uk).
Third Party, Fire and Theft
At One Sure Insurance, we are able to offer you guidance and advice on which type of policy may be the best for you and your driving style.
As your policy price will often depend on the level of cover you choose to take out, it’s important to decide whether you want to take out Comprehensive, Third Party, Fire and Theft, or Third Party cover. Being able to determine what type of cover is the best for you will help to speed up the comparison process and will make it easier to find a very cheap car insurance quote.
The Benefits of choosing One Sure as your Local Insurance Broker
When you decide to let One Sure do the car insurance quote searching for you, you can rest assured that you’re in good hands. We are local to the Stoke-on-Trent, Staffordshire area, and all of our call centre agents are based in the UK. We pride ourselves on our levels of customer service and support, and we consistently strive to provide an exceptional experience.
In addition to this, because we are able to work directly with the insurance companies on your behalf, we are often able to put together deals and discounts that you can’t find anywhere else. Some of these benefits include:
Free breakdown cover for 2-months — provided just in case you find yourself broken down.
Legal Expenses Cover
Personal Accident Cover
We will advise you on what optional added extras are available to you, as well as their relevant pricing structure. In some cases, you might find that we are able to provide a more cost-effective plan in comparison to some of the bigger insurance companies and comparison site — and this is one of the reasons we’re best known for being a provider of very cheap car insurance.
One Sure Insurance Provides Tailored Car Insurance Advice
Unlike many of the insurance comparison sites, we are regulated and authorised by the FCA to provide advice and guidance on which car insurance policy might be the best for you and your needs. We are able to define to you all the important wordings and sections within each policy, and to help you understand what that means in a real-world situation.
When you choose to obtain affordable car insurance through One Sure, you can rest assured knowing that we will always strive to provide advice where possible to help you not only save money, but to ensure that you are aware of all the added extras our insurers and providers offer.
Be aware that if you buy and sell cars, and are considered a Motor Trader, you will benefit more from buying either a road risks or combined premises motor trading policy. Click here to learn more about our motor trader policies.
If you’re ready to obtain a car insurance quote for your auto vehicle, please free free to contact us on 0800 107 0912 or 0330 100 9091 (mobile friendly). You can also obtain an affordable car insurance quote via our online quote form.
† This price reflects the cheapest policy we have sold this year (2015), based on ideal risk circumstances, and may not be representative of the price you’ll be quoted for your insurance policy and/or risk level.
N.B. We may need to refer your unique circumstances and situation to our underwriters for a bespoke rate. According to Intelligent Car Leasing, a leading provider of lease cars in the UK, some insurers will not be able to deal with lease cars as you do not physically own the vehicle. As such, we advise all of our customers to declare up-front that the vehicle is leased so that we can find the most appropriate insurer for you.