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Best Car Insurance Companies of 2022

The best car insurance companies give their customers more than just coverage they want at a reasonable price. They also provide a customer-first experience, including a headache-free way to manage policies and make payments.

To pinpoint the best auto insurance companies, we looked at customer complaints data, consumer experience and financial strength. We also researched coverage offered and how easily you can interact with an insurer online when you’re getting a quote or filing a claim.

Based on these factors, these are our top auto insurance companies for 2022.

Why you can trust NerdWallet:

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company’s rating for other products may be different on our site. That’s why it’s smart to compare car insurance rates from several different companies before choosing an insurer.

The best car insurance companies of 2022

How we ranked the top auto insurers

NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies. Our “ease of use” category includes factors such as website transparency and how easy it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, this list of best auto insurance companies is likely to change.

Best car insurance companies: Pros and cons

Learn more about our top auto insurance companies by reading our brief summaries below. For more details, check out our comprehensive reviews.

  • American Family: Best overall

  • Auto-Owners: Best for few customer complaints

  • NJM: Best for Connecticut, Maryland, New Jersey, Ohio and Pennsylvania drivers

  • Amica: Best for discounts

  • Progressive: Best large insurer for pet owners

  • State Farm: Best large insurer for customer satisfaction

  • Travelers: Best for ease of use

  • Auto Club Group: Best insurance that requires a membership

American Family: Best overall

Bottom line: American Family tops our list as the best auto insurance company of 2022. In addition, it really shines when it comes to discounts, with savings for insuring multiple vehicles, completing a defensive driving course and having a student away at school.

Cost: About average.

Policies available in: 19 states, mainly throughout the Midwest and Pacific Northwest.

Pros: American Family offers a wide range of discounts and many coverage types.

Cons: American Family policies aren’t available in all states.

Company overview:

In J.D. Power’s 2021 customer satisfaction studies
American Family ranked first among a dozen midsized insurers for satisfaction with the insurance shopping experience and first for overall satisfaction in the Southwest region
Ranked American Family ranked No. 7 out of 18 companies for auto insurance claims satisfaction in 2021.
American Family offers a range of discounts to drivers in some states, including for loyalty, completing a defensive driving course and for students away at school. The company also has apps to monitor driving, allowing good drivers to earn discounts.

 

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