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How To Best car insurance In USA Companies 2022

Car insurance provides a financial safety net and can help protect your finances from losses due to accidents. Because coverage is so important to your overall financial health, finding the right company for your needs is vital. Additionally, car insurance rates are rising in 2022, which means that many drivers may be shopping around to find a new policy. To help you in your search, Bankrate analyzed average quoted premiums from Quadrant Information Services from hundreds of insurance companies. We also analyzed available coverage options, discounts, digital resources and third-party customer satisfaction and financial strength ratings in our quest to find the best car insurance companies.

How Bankrate evaluated the top car insurance companies: Our insurance editorial team keeps pace with the auto insurance market to ensure we choose carriers based on factors that matter most to consumers, as informed by our team of insurance experts. Our research could help you find the best auto insurance options for your unique circumstances. Shopping around is one of the most impactful strategies to find the best car insurance company for your needs and budget, especially as rates rise to keep pace with inflation, supply chain issues and changing driving habits.

Top auto insurance companies in 2022

  • USAA: Best overall car insurance company
  • Clearcover: Best for digital presence
  • Geico: Best for driving incidents
  • State Farm: Best overall car insurance company
  • Travelers: Best for personalized coverage
  • Erie: Best for robust coverage
  • Auto-Owners: Best for discounts
  • Amica: Best for claims satisfaction
  • Nationwide: Best for coverage on a budget
  • Progressive: Best for digital policy management
  • Allstate: Best for high-value cars

How to compare the best car insurance companies

When reviewing multiple auto insurance companies, using an apples-to-apples comparison can be helpful. Knowing how to find companies that could meet your needs and how to compare those companies can be an important skill to have. While an average annual premium estimate may be a good initial indicator of how a company will stack up against others, it doesn’t provide the full story. Quotes should ideally include the same coverage levels and types, with the same personal details and vehicle information given to each company. Depending on your preferences, you may also want to review trusted third-party ratings for an additional assessment of a company’s performance, such as J.D. Power customer satisfaction ratings, the National Association of Insurance Commissioners (NAIC) consumer complaint index and financial strength grades from multiple credit rating agencies. This information can be found online, or an insurance agent can help you obtain this type of information about the auto insurers you are interested in.

How Bankrate picked the best auto insurance companies for 2022

To provide an easy-to-use shopping and comparison tool for consumers, we calculated a Bankrate Score out of 5.0 total points. The higher a company’s Bankrate Score, the more competitively that company ranked in each scoring category. Our picks highlight auto insurers that:

  • Generate a 4.0 or higher Bankrate Score
  • Earn a J.D. Power Claims Study customer satisfaction score within 20 points of the industry average or higher
  • Carry an “Excellent” or “Superior” financial strength rating from AM Best
  • Have a strong digital presence with a consumer-friendly mobile app or digital policy management features
  • Are deemed by Bankrate to be the best in a particular market category

Compare car insurance companies in April 2022

How much does car insurance usually cost?

When answering the common question “how much is car insurance,” it’s important to know that rates are highly dependent on the personal rating factors and vehicle information drivers provide when submitting for a quote. Nationally, full coverage policies average $1,771 per year. “Full coverage” refers to a policy that includes liability, collision coverage and comprehensive coverage.

In addition to the coverage types and levels you choose, other factors will significantly influence your final insurance cost. Insurers base car insurance rates on a perceived level of risk, which means that the following factors (and more) can impact your premium:

  • Driving record: If you have a history of accidents, tickets or DUI convictions, you’ll likely pay more for coverage.
  • Age and driving experience: Younger drivers tend to have less experience on the road, which means accidents are more likely and rates are usually higher than average. Hawaii and Massachusetts ban the use of age as a rating factor.
  • State and city: Different states have different insurance laws, different accident statistics and different costs of living. Even your city and ZIP code (in most states) can influence how much you pay.
  • Coverage types and levels: Choosing fewer coverage types and lower limits will generally mean a lower premium, but it also means less financial protection and higher out-of-pocket costs if you have an accident.
  • Vehicle make and model: Each make and model of vehicle has unique features which impact the likelihood of accidents, the severity of accidents and the cost to repair the vehicle itself. Because of this, each vehicle will cost a different amount to insure.
  • Credit-based insurance score: In most states, your credit tier is used to determine how likely you are to file a claim. Drivers with lower credit scores generally pay higher premiums.
  • Insurance lapse history: Because most states require drivers to have at least minimum levels of coverage, lapses in insurance can result in higher premiums when you take out a policy again.

How much is car insurance?

The table below shows the average rate for drivers with several different scenarios. Compared to the national average rate, you can see that different factors affect premiums differently.

Drivers with…Average annual full coverage premium
A lapse in coverage$1,949
One speeding ticket$2,138
One at-fault accident$2,521
One DUI conviction$3,421
Poor credit$3,002

Why location matters when choosing car insurance

Auto insurance rates are based on several factors, and your city, state and ZIP code are among the most impactful. If you recently moved, it may be a good idea to compare companies to ensure that your car insurance provider is still the best fit for your needs. This is especially true if you have moved across state lines, as auto insurance is not standardized across the country.

Adding a comprehensive review of your auto insurance coverage as part of your moving checklist is a good way to remember this important step. To view Bankrate’s picks for the best car insurance in your state, select it from the table below.

Average cost of full coverage car insurance
StateAnnual annual cost for full coverage insuranceAnnual monthly cost for full coverage insurance
Alabama$1,760$147
Alaska$1,770$148
Arizona$1,743$145
Arkansas$1,806$151
California$2,190$183
Colorado$2,019$168
Connecticut$1,533$128
Delaware$1,963$164
Florida$2,762$230
Georgia$1,985$165
Hawaii$1,206$101
Idaho$1,065$89
Illinois$1,548$129
Indiana$1,242$104
Iowa$1,254$105
Kansas$1,802$150
Kentucky$1,954$163
Louisiana$2,864$239
Maine$8,876$73
Maryland$1,931$161
Massachusetts$1,296$108
Michigan$2,345$195
Minnesota$1,692$141
Mississippi$1,701$142
Missouri$1,861$155
Montana$1,795$150
Nebraska$1,538$128
Nevada$2,426$202
New Hampshire$1,182$99
New Jersey$1,891$158
New Mexico$1,489$124
New York$2,996$250
North Carolina$1,392$116
North Dakota$1,225$102
Ohio$1,200$100
Oklahoma$1,902$159
Oregon$1,371$114
Pennsylvania$2,002$167
Rhode Island$1,847$154
South Carolina$1,464$122
South Dakota$1,542$129
Tennessee$1,383$115
Texas$1,868$156
Utah$1,449$121
Vermont$1,000$83
Virginia$1,340$112
Washington$1,313$109
Washington, D.C.$1,948$162
West Virginia$1,527$127
Wisconsin$1,249$104
Wyoming$1,510$126

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CompanyAverage annual rate (full coverage)Who it’s best forBankrate Score
USAA$1,209Best overall car insurance company5.0/5.0
Clearcover*N/ABest for digital presence5.0/5.0
Geico$1,297Best for driving incidents4.7/5.0
State Farm$1,397Best overall car insurance company4.7/5.0
Travelers$1,447Best for personalized coverage4.7/5.0
Erie$1,321Best for robust coverage4.6/5.0
Auto-Owners$1,305Best for discounts4.5/5.0
Amica$1,495Best for claims satisfaction4.5/5.0
Nationwide$1,383Best for coverage on a budget4.4/5.0
Progressive$1,561Best for digital policy management4.4/5.0
Allstate$2,438Best for high-value cars4.0/5.0

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