The Best Car Insurance Companies of 2022

by | Jan 21, 2022 | 0 comments

The best car insurance company isn’t necessarily the cheapest. It’s tempting to shop for a new insurance policy based on price alone, but you need a company that will be there for you when it comes time to make a claim. After all, you don’t want to choose the cheapest car insurance quote only to find that it doesn’t provide the protection you need.

Our Best Car Insurance Companies for 2022 use pricing data and real customer feedback to help you find the best car insurance policy for you.

What Is the Best Car Insurance Company?

USAA is the best car insurance company for 2022, but you need to have a military affiliation to get it. If you don’t qualify for USAA, State Farm is the second-best auto insurer according to our data.

We asked real customers from nine of the top auto insurance companies across the country about their experiences. Their feedback provides valuable insight on how well these companies serve their customers, which can help you decide on the insurance company that most deserves your business.

We used this survey to identify the best insurance company in the country, as well as the best companies in the areas of customer service, claims handling and customer loyalty. It also identifies the insurers that are most likely to be renewed and recommended by their policyholders.

Top Ranked Car Insurance Companies

1. USAA

USAA is the best car insurance company we found. In our survey, USAA customers say they are very satisfied with this insurance provider’s customer service. They also love the company’s easy process for filing a claim, as well as the frequent updates on the status of claims. 

The only negative we could find for this company is its limited availability. USAA only offers its services to veterans, members of the military and their families. As a result, many consumers won’t qualify for insurance from USAA.

2. State Farm

A customer wearing a protective mask waits to meet with State Farm representative in Cleveland, Mississippi, U.S., on Thursday, April 30, 2020. Some retail stores began reopening at half-capacity in Mississippi after the stay-at-home order expired on April 27. Photographer: Rory Doyle/Bloomberg via Getty Images

State Farm makes it easy to file a claim, according to most survey respondents, many of whom plan to renew their policy. State Farm is also the best auto insurance company if you do not have a military affiliation. 

State Farm earned slightly lower marks when we asked if customers were satisfied with the company’s status updates during the claims process. Drivers insured through State Farm reported that the company is a good value overall.

3. Geico

Geico is the third-best car insurance company in our rankings. Consumers who have filed a claim generally agree that Geico makes the process easy. Most survey respondents also report that they plan to renew their policy, and that they’re likely to recommend Geico to family and friends. However, Geico scored lower than some competitors in terms of value, despite the fact that it offers low rates and good overall customer service.

4. Nationwide

Nationwide generally earns good scores across the board, though it didn’t stand out in any one area as being notably better than the competition. Nationwide has some downsides that keep it from breaking into the top three car insurance companies in our rankings. Some respondents indicated that they were not satisfied with Nationwide’s status updates during the claims process or with how their claims were resolved.

5. Farmers  

Farmers lands squarely in the middle of our rankings. Respondents in our survey gave this insurer decent scores in terms of satisfaction with the claims process, customer service and value. However, Farmers’ scores dropped a bit lower when we asked if drivers would recommend the company to friends or family, which indicates mediocre overall satisfaction.

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