Best Auto Insurance 2022 | insurance for car

Best Car Insurance Companies of March 2022

The majority of states need car insurance as a financial precaution in case of an accident. Choosing the finest vehicle insurance has never been easier.

Find the finest auto insurance coverage for your vehicle with our top selections and runners-up.

Our Top Picks for Best Car Insurance Companies of March 2022

Best Car Insurance Companies
  1. Amica Mutual – Best Car Insurance Package
  2. Progressive – Best for Customizable Premiums
  3. State Farm – Best for Young Drivers
  4. Farmers – Best for Discount Availability
  5. Nationwide – Best for Altering Existing Policies
  6. GEICO – Best Mobile App
  7. Allstate – Best Usage-Based Insurance Program
  8. USAA – Best for Military Members

Amica has one of the most comprehensive car insurance plans, Platinum Choice Auto. This package comes with Advantage Points, which is a reward system for good driving, renewing policies, and referring others. As a bonus, Advantage Points can also cut down on or eliminate your deductible.

Amica’s Platinum Choice also comes with credit monitoring, a $5,000 rental coverage maximum, and a new car replacement if your car is less than a year old and has less than 15,000 miles on the clock.

Beyond Platinum Choice Auto, Amica has a wide range of coverage options that you can use to tailor your car insurance policy, including gap coverage and glass repair without a deductible.

Personal injury protection, property damage, bodily injury liability, and uninsured/underinsured motorists are some of the basic coverage options offered by Amica. Besides gap protection for auto loans and leases, you can also get comprehensive collision insurance, as well as roadside assistance and rental reimbursement, from other policies.

Amica car insurance gives discounts.

  • Bundling policies and insuring more than one car
  • Paperless payments, upfront premium payments, and AutoPay are all ways to pay for things without having to write them down first.
  • People who drive well have good habits: taking a defensive driving class for three years and not having a claim for three years
  • Teenagers who want to learn how to drive: students who get good grades and full-time students who aren’t at school.
  • It’s good to have anti-theft devices like passive restraints or electronic stability features.
  • After two years of being insured, you get a discount.
  • If your parents have been with Amica for at least five years, you can get a discount if you are under 30 and drive.

Amica has a lot of tools to help you get the best car insurance deal

  • Track claims, get roadside help and pay your bills with a mobile app.
  • Car Connection is a tool that lets you compare the prices of new and used cars.

Best Car Insurance Package: Amica Mutual

The reason why we chose it: We chose Amica Mutual because it has the best Platinum Choice Auto coverage package. Drivers can earn Advantage Points rewards and save a lot on their deductible with this plan.

PROS

  • No-cost airbag replacement after it deploys
  • Lock replacement in the event of stolen keys
  • $1,000 for bail bonds and wage reimbursement if you’re required to appear in court

CONS

  • No rideshare insurance
  • Not all features are available nationwide
  • Coverage is not available in Hawaii

Progressive Insurance Best for Customizable Premiums

People can choose how much they want to pay for car insurance through Progressive. Is able to do this through its well-known “Name Your Price” tool, which is a great way to get an insurance quote. You only need to give them your address, the make and model of your car, and how much money you have to spend, and Progressive will show you policies that fit your budget.

Among Progressive’s coverage options are liability and comprehensive, as well as medical expenses, collision, and uninsured/underinsured car insurance. It’s also possible to add things like roadside assistance and gap insurance. You can also get rental car reimbursement, custom parts, and rideshare coverage.

Progressive car insurance gives discounts to people who sign up for their plans early on

  • Combine your auto insurance policy with home, renters, or life insurance to get a better deal on all of them.
  • Insure a lot of different cars.
  • Features like anti-theft alarms can make your car safer.
  • In the future, all payments will be made automatically and without any paper.
  • Loyalty is rewarded by always having coverage with the same person. Progressive
  • Driver discounts for teenagers who are full-time students with good grades and students who are away from home

Progressive car insurance has a lot of tools to help you get the best

  • With the Name Your Price tool, you can find coverage options that fit your budget.
  • Based on where you live and your personal information, this calculator can help you figure out how much car insurance you should get.
  • With Snapshot, a program that charges based on how much you use your insurance, you can get a rate that is just right for you (not available in California or North Carolina)
  • The app is for mobile phones. You can see how well you’ve been driving, how many trips you’ve taken, and how to improve your driving.

Progressive is best for premiums

When looking for car insurance, we looked at Progressive because it has a tool called “Name Your Price,” which lets people shop for coverage that fits their budget.

PROS

  • Personalized car insurance rates with Snapshot
  • Pick your premium with the Name Your Price tool
  • Compare quotes with Progressive’s comparison tool
  • Loyalty Reward program

CONS

  • Pricing may vary depending on how you buy, whether online or over the phone with an insurance agent
  • Discounts vary and are not available in all states

State Farm We’re The Real Deal

State Farm has a lot of great discounts for young drivers, like good students, students away at school, driver training (up to 20%), and the Steer Clear safe driving discount. These discounts are based on good driving habits.

if your car breaks down more than 50 miles from home in an accident covered by your comprehensive or collision insurance, State Farm will pay for your meals, transportation (home or to your destination), and lodging. When you come back to pick up your car, you’re also covered for that trip back.

Additional coverage options from State Farm include liability, uninsured/underinsured motorist, medical payments, roadside assistance, rideshare, and other types of coverage, too (if you use your car for Uber or Lyft).

State Farm car insurance discounts

  • Bundling renters, homeowners, or life insurance policies into one plan
  • Insuring a lot of cars
  • Drive Safe & Save is a telematics program that gives you money if you drive safely.
  • Drivers under the age of 25 can save up to 15% if they haven’t had any accidents or moving violations in the last three years. The Steer Clear program lets them do this.
  • They teach people how to drive more safely (in select states)
  • The safety features of a car (seatbelt, airbags on older vehicles)

State Farm car insurance tools

  • Pay bills, file claims, get roadside help, look at ID cards, and link your bank account to send money with this app.
  • Use Enterprise or Hertz to book cars for rent, or look for a good auto repair shop.

Best for Young Drivers: State Farm

State Farm is the best car insurance company for young drivers because it gives up to 25% off to teenagers with a 3.0 or better GPA.

PROS

  • Offers rideshare insurance in most states
  • Save money with Drive Safe & Save and Steer Clear programs
  • Travel expenses coverage

CONS

  • Drive Safe & Save program is not available in CA, MA, or RI

Farmers Insurance

If you want to save money on car insurance, Farmers has a lot of different insurance products and ways to do that. When it comes to car insurance discounts, the company doesn’t have as many as other insurers. But it does have two discounts that other providers don’t have. For example, doctors, nurses, firefighters, teachers, and police officers are all eligible for a discount on their insurance premiums. This is a benefit that few insurance companies offer.

Farmers also give veterans, active duty service members, and honorably discharged military members a lot of discounts on their car and home insurance.

Coverage options for Farmer’s cars include liability, property damage, collision, comprehensive coverage, uninsured/underinsured driver, medical payments, and personal injury protection. Rideshare, loss of use, rental reimbursement, and roadside assistance are some of the other types of coverage. Owners and collectors of classic cars will also like Farmers’ coverage of up to $750 for spare parts, as well.

Farmer’s car insurance discounts

  • Bundling insurance policies and insuring more than one car
  • Getting good grades and going to school away from home can get you discounts at the store.
  • Paying automatically, without paper, and on time
  • Family cars that are shared (not available in California)
  • Anti-theft, anti-lock brake and passive restraint systems are some of the things that make a car less likely to be stolen.
  • hybrid or electric cars, or ones that run on other types of fuel that aren’t oil or gas (only in California)
  • Discounts are given to people who work for the military and other important people.

Farmer’s car insurance tools

  • chat with an agent, get a quote, and get help on the road with the mobile app.
  • Specialty insurance options, like motorcycle and boat insurance, can be found.

Farmers are the best for having low prices.

Why we chose Farmers: Farmers is the best car insurance company because it has a lot of discounts for people who are important workers, veterans, active duty service members, and people who have been honorably discharged from the military.

PROS

  • Guaranteed Value coverage pays out an “agreed value” if your car is totaled
  • Multiple discount categories
  • First major insurer to offer a discount for alternative-fuel vehicles

CONS

  • Discount eligibility and percentage vary depending on your place of residence
  • Does not offer gap insurance to provide the total replacement cost of a new car

Nationwide Insurance

Nationwide gives its customers a free annual car insurance review called On Your Side Review. As with any insurance policy, you can review your policy at any time, but this scheduled checkup encourages customers to clear up any questions about their policy and benefits, make changes in line with their current needs, and take advantage of any possible discounts.

The insurer has standard coverage options like collision and comprehensive insurance, gap insurance, uninsured motorist insurance, bodily injury liability, roadside assistance, and policies for young drivers and classic car owners. They also have policies for young drivers and older drivers.

In general, its list of discounts is a little smaller than those of other insurance companies. You can cut down on your monthly premiums by bundling your insurance policies and setting up direct payments, driving less, and not getting into accidents.

Nationwide car insurance discounts

  • Getting your auto and home insurance through the same company can save you up to $646 each year.
  • There are safety and anti-theft devices in cars.
  • Automatic and paper-free billing:
  • Customers who haven’t had any major violations or accidents at all for five years will get money from the company.
  • Take a defensive driving class.
  • Good discounts for drivers who are 16 to 24 years old.

Nationwide car insurance tools

  • Manage insurance policies, make payments, file and track claims, and get roadside help with the help of a mobile app.
  • In SmartMiles, low-mileage drivers pay for car insurance based on how many miles they drive.
  • SmartRide is a usage-based car insurance program for drivers who are safe.

Best for Altering Existing Policies: Nationwide

On Your Side Review: This feature lets drivers review their policy to ask questions, make changes and apply for discounts. We chose Nationwide as the best car insurance company because of this feature.

PROS

  • Get discounts with the SmartRide safe driving app
  • Pay based on how many miles you drive
  • Get up to a $500 cash bonus with the purchase or lease of a qualified new car or vehicle

CONS

  • SmartRide and SmartMiles discount availability varies per state and coverage selected
  • Accident forgiveness is not available in all states
  • Summary of Money’s Best Car Insurance of March 2022
  • Amica Mutual – Best Car Insurance Package
  • Progressive – Best for Customizable Premiums
  • State Farm – Best for Young Drivers
  • Farmers – Best Discount Availability
  • Nationwide – Best for Altering Existing Policies
  • GEICO – Best Mobile App

GEICO Insurance That Fits Your Needs

If you want cheap car insurance, GEICO is one of the best in the country. The company stands out because it has an easy-to-use mobile app.

It has a great 4.8 out of 5 ratings and almost three million reviews in Apple’s App Store. GEICO customers can access their digital insurance cards, request roadside assistance, and submit photos of their cars for damage estimates, as well as connect with a virtual assistant who can answer car insurance-related questions.

Medical payments, personal injury protection, uninsured/underinsured motorist, collision, and comprehensive coverage are some of the coverage options that GEICO has. Add-ons like roadside assistance, rental reimbursement, and mechanical breakdown insurance are also available. When your new car’s warranty ends, the latter can help pay for repairs after that. There are only two companies on our list that offer a special discount for people who have served. GEICO is one of them.

GEICO gives car insurance discounts.

  • Equipment discounts for new cars, like airbags, anti-lock brakes, anti-theft systems, and more, can be found.
  • Fifteen years without an accident
  • Making sure to buckle up, taking defensive driving classes, and being a good student are all good ways to keep yourself safe.
  • Members of the military and federal employees get discounts because they belong to a group that gives them money off.
  • Covering more than one car and having more than one policy
  • Those who are 50 or older get a discount on their gas.

There are a lot of things you can do with GEICO car insurance tools

GEICO car insurance tools

  • An easy telematics program encourages safe driving.
  • Calculator for car insurance coverage

Why did we choose it? We chose GEICO because they have the best mobile app for car insurance. GEICO’s app also connects to CARFAX, which allows you to see your car’s service history, set up a maintenance schedule, and check for open recalls, among other things. You can also get digital insurance cards, request roadside assistance, and file claims.

PROS

  • Pay bills or request roadside assistance with the Mobile app
  • Coverage calculator
  • Discounts available to federal and military employees, seniors, and students

CONS

  • Accident Forgiveness is not available in CA, CT, and MA
  • Does not offer gap insurance

How does car insurance work?

Auto insurance is a way to protect your money from theft, accidents, and other problems. To put it in simple terms, you pay a premium to an insurance company, and it pays for any losses that are covered by your policy, which usually only covers damage to the cars and injuries to the people who were in the accident.

Suppose your car is broken into and your laptop is stolen. If the insurer pays to replace the window and any other damage done to the car, but not for your laptop. There is a good chance that you’ll need to get home or renters insurance for that.

Auto insurance is regulated at the state level, so your policy’s minimum liability limits will depend on the laws in the area where your car is being driven. People in most states have to buy car insurance or pay a fee if they don’t have it. New Hampshire and Virginia are the only two that don’t.

There are different types of car insurance.

There are six main parts of car insurance coverage:

Property damage and bodily injury liability are two types of liability insurance. The bodily injury liability covers medical costs for people who were hurt in an accident caused by you.

If you get into an accident with a driver who doesn’t have enough or no insurance, uninsured/underinsured motorist coverage pays for your medical bills and repair costs.

If your car is damaged by something other than another car (like hail, fire, floods, theft, or vandalism), comprehensive insurance will pay for the repairs.

Collision coverage pays for the repair of your car if you get into a car accident that is deemed to be your fault.

Medical payments coverage pays for medical costs if you or your passengers get hurt in an accident.

Personal injury protection (PIP), also known as no-fault insurance, pays for medical bills, lost wages, and funeral costs for you or your passengers if you get into an accident, no matter who is at fault. It doesn’t matter who is at fault.

It helps your car insurance if you owe more on the car than it is worth. This is called “guaranteed asset protection,” and it comes from your car insurance company. It doesn’t cover the difference in those cases.

x