USAA takes the top spot for best auto insurance company, closely followed by American Family in second place. State Farm is in third place, while Geico and Nationwide are tied for fourth place. These are the Best Car Insurance Companies of 2024
Main sockets
Within the military community, USAA leads in customer service with a 73% satisfaction rate and a 63% referral rate. For drivers out of doors in the Navy community, American Family is available in 2nd on our list, with excessive marks for claims management and client service.
Part of choosing the best company is knowing what type of insurance you need. Learn about the different coverage options to determine which one provides the best coverage for your needs.
Prices vary between insurance companies, so comparing rates can help you find the best company that fits your budget.
Car insurance is something you need but hope you never have to use it. But, if your car is damaged or you cause damage to someone else's car, you'll be glad you chose a quality company with the right policy for you. Depending on your coverage, you may also pay for medical bills, funeral expenses, legal fees, and more.
That's why choosing the right car insurance company goes beyond just getting the cheapest premium; It's peace of mind knowing you have the best company backing you when you need it.
We've reviewed more than 30 car insurance providers, analyzing their performance in customer service, claims processing, and customer loyalty to ensure you have comprehensive information to help you make the best decision.
Top Rated Car Insurance Companies
COMPANY AVERAGE ANNUAL RATE
1
USA » $1,022
2
American family» $1,383
3
State Farm » $1,279
4 (tie)
Geiko » $1,250
4(tie)
Countrywide » $1,473
6(tie)
Farmers » $2,078
6(tie)
Travelers » $1,355
6(tie)
Allstate » $2,135
6(tie) $1,958
AAA"
10
Progressive » $1,540
USAA Car Insurance Review for 2024 »
AVERAGE ANNUAL RATE
$1,022
Strong points:
you can get it in all 50 states and Washington, DC.
Order No.1 in the seller according to the policyholder
Cons:
Insurance is limited to military personnel, veterans, and their families
Based in San Antonio, USAA became based in 1922 with the aid of a set of military officials who desired to self-insure their cars. Today, USAA caters exclusively to members of the military, veterans, and their families, offering a variety of financial and insurance products.
Is USAA good insurance?
Our top auto insurance company for 2024, USAA outperformed its competitors in a wide variety of categories. Fares with USAA were found to be the cheapest, on average, of all the carriers included in our analysis and across several categories related to age, gender, and other demographics. USAA also earned top marks for customer service from our survey respondents, and its customers are more likely to renew or recommend USAA to others than any other insurer in our rating. The only subcategory in which USAA was moved into second place was Claims Handling, where American Family was #1.
USAA Customer Service
With a score of 4.4 out of 5, USAA narrowly edged out the competition to earn #1 for Customer Service. American Family and State Farm, tied for No. 2, were not far behind with a score of 4.3. About 90 percent of survey respondents said they were either satisfied or very satisfied with USAA's customer service.
USAA claims handling
USAA, with a score of 4.2, is No. 2 in our complaint handling subcategory, second only to No. 1 American Family. 1 and its score of 4.3. USAA scored high overall, but trailed American Family in satisfaction across all questions in our survey, including ease of filing a claim, status updates during the claim process, and satisfaction with how the complaint has been resolved. About 84% of USAA customers said they were either satisfied or completely satisfied with how their complaint was resolved.
SUAA customer loyalty
USAA is #1 in our customer loyalty subcategory, and 96% of survey respondents say they are likely or very likely to renew their policy. Among other insurers, only American Family got a comparable number of positive responses to the survey, with 91% of their customers also saying they plan to renew. At the other end of the scale, Farmer customers were least likely to renew, according to our subcategory ratings.
How Much Does USAA Car Insurance Cost?
Our study found an average annual rate of $1,022 at USAA, which is cheaper than any other company in our study, and about $500 less than the national average for all insurers.,022 at USAA, which is cheaper than any other company in our study and about $500 less than the national average for all insurers.
Looking at specific demographic groups, USAA was found to be the cheapest for drivers of any age or gender. USAA has additionally been located to have a decrease than common quotes for drivers with an unmarried coincidence or DUI on their file and people with bad credit. For some of these groups, the savings can be as much as For some of these groups, the savings can be as much as $1,000 to $2,000 per year compared to the national average, including teenage drivers and drivers with less,000 than $2,000 per year compared to the national average, including teenage drivers and drivers with less than stellar credit.
USAA rates for teenage drivers
USAA was found to have the cheapest average rates for teen drivers in our study, saving nearly $2,000 annually compared to the national average for a 17-year-old female and nearly $2,400 for a male. Drivers in this age group pay more for car insurance than any other age group on average, so shopping around can lead to big savings. Farmers proved the most expensive insurer for this group, with an average annual rate of $8,178 for a woman and $8,911 for a man.
USAA sells auto insurance exclusively to members of the military community, but drivers who don't qualify for USAA could try Geico or State Farm. Geico is #2 for male teens, with a rate about 35% lower than average; State Farm is No. 2 for teenage females, with a rate about 35 percent below the national average.
Rates for Female Teen Drivers
$3,129
USAA Rate for 17-Year-Old Females
$5,064
National Average for 17-Year-Old Females
Rates for Male Teen Drivers
$3,364
USAA Rate for 17-Year-Old Males
$5,750
National Average for 17-Year-Old Males
USAA rates for young adult drivers
Car insurance rates tend to decrease as drivers age, making rates for this group significantly lower than for teenage drivers. Our analysis found that the rate with USAA for a woman in this age group is about $500 less per year than the national average and about $600 less for a man of the same age. In our analysis, rates for both genders were found to be cheaper with USAA than with any other insurer. At the other end of the scale, Farmers proved to be the most expensive for this group, averaging $2,385 for a 25-year-old woman and $2,594 for a man.
The proportion of young women drivers
$1,219
USAA's rates for 25-year-old women
$1,757
The national average for women is 25
Rates for young male drivers
$1,280
USAA rates for men aged 25
$1,860
The national average for men is 25
USAA rates for adult drivers
For this group, USAA is again the cheapest option, according to our research, with savings of about $500 per year compared to the national average, regardless of gender. On the other end of the price spectrum, our study found an average annual rate of $2,092 with Allstate for women in this age group and $2,069 for men. That's more than double the USAA for drivers of both sexes.
Prices for adult drivers
940 dollars
USAA rate for 35-year-old women
$1,470
The national average for 35-year-old women
Rates for older male drivers
$943
USAA rates for men aged 35
$1,488
The national average for men is 35
USAA rates for senior drivers
Older drivers generally pay more for car insurance than other age groups, regardless of their insurer, but our study found that USAA has the cheapest rates for this group. We found USAA's rate for a 60-year-old woman or man to be nearly $500 less than the national average. For these drivers, Allstate proved to be the most expensive, paying $1,918 for a woman and $1,956 for a man. State Farm offers the second lowest rates for both senior women and men, with savings of $198 and $242, respectively, compared to the national average. Geico is No. 3 in this category.
Costs for elderly women
$872
USAA rates for women over 60
$1,332
The national average for women aged 60
Rates for Male Senior Drivers
$876
USAA Rate for 60-Year-Old Males
$1,376
National Average for 60-Year-Old Males
USAA Price After Speed Ticket
Speeding damages can raise car insurance rates at any company, but USAA is more forgiving than most. Our analysis found that the average annual rate for this group is about $700 less at USAA than the national average. It's also less than half the price of Farmers, the most expensive insurer in our ranking for a single speeding violation, at $2,659 on average. State Farm (27% below the national average) is No. 2 and Geico (17% under the average) is No. three on the subject of the common annual charge of coverage after a dashing ticket.
Price when one ticket runs
$1,232
USAA rates when one ticket runs
$1,935
National Average When One Ticket Runs
USAA's post-accident rates
Drivers with one accident on their record can expect rate increases at any insurance company, but our study found that the penalties at USAA are lower than most. The average annual rate for this group is cheaper at USAA than any other insurer, and about $800 less than the national average for all insurers.
Some companies charge more. Our research found that farmers are the most expensive for this group, with an average annual rate of $3,207. State Farm offers the second cheapest policies for post-accident drivers, with an average annual premium $690 lower than the national average.
Amount after an accident
$1,444
USAA rates after a single accident
$2,212
National average after one accident
USAA rates for drivers with poor credit
Depending on your insurance agent, a poor credit rating can raise your car insurance rates significantly. Here again, USAA is more forgiving than most, with average annual rates around $1,000 less than the national average according to our research. Geico has the second lowest annual rates for drivers with poor credit, $919 lower than the national average in this category. Our study found that AAA insurance is the most expensive for drivers with poor credit, with an annual rate of $3,993.
Rates for drivers with poor credit
$1,893
USAA rates for drivers with poor credit
$2,894
The national average for drivers with poor credit
How much is the minimum coverage with USAA?
One way to save on insurance costs is to use the lowest premium you can. At USAA, our study found that choosing low-cost insurance can save you about $500 per year compared to the national average of all companies, and that's cheaper than any individual insurance policy at the level.
Geico's annual check rate of $1,134 is the second cheapest for drivers seeking low-cost coverage, $336 below the national average. Allstate proved to be the most expensive for low-cost coverage, with an annual rate of $2,013.
The cost of insurance is low
$963
USAA rates for insurance are low
$1,470
The national average for coverage is low
How much is advanced insurance with USAA?
When drivers purchase a policy with a higher level of coverage, they will pay higher car insurance premiums. Advanced levels of insurance may include additional protections such as coverage against bodily injury, and in some states, property damage caused by uninsured or underinsured motorists. At USAA, our study found an annual average of about $600 less than the national average, and drivers who don't qualify for USAA can save $270 a year on the national average at State Farm, the second largest insurer. cheap in this category. Allstate proved to be the most expensive insurance for high coverage, with an annual cost of $2,261.
Rates for high coverage
$1,084
USAA rate for high coverage
$1,643
High Coverage National Average
USAA Auto Insurance Discounts
USAA offers a wide range of discounts to help customers save on what are already some of the cheapest rates of any insurer in our 2024 rankings. About 71% of respondents stated they had been glad or very glad with the reductions presented with the aid of using USAA. Discounts offered by USSA include:
Security discounts
Discount on anti-theft devices
Discount on newer vehicles
SafePilot discount
Performance Discounts
Discount on clean driving record
Safe driver discount
Discount on defensive driver training
Discount on the Basic Driver Training Course
Good discount for students
Job Discounts
Military discount on base
Deployment/Storage Discount
Driving less discount
Additional Discounts
Discount for multiple vehicles
Bundle and save (multi-policy discount)
Discount for loyal members
family discount
USAA SafePilot Program
USAA's non-obligatory SafePilot application tracks it slow in the back of the wheel and rewards you for secure user habits. To receive a discount of up to 30% (10% on registration only), you will need to download the SafePilot app on your smartphone and register for the program. Then just drive as normal – the app will record data like how often you drive, whether you use your phone while driving, and even whether you've been in an accident. USAA uses this information to calculate your driving score, which is reset each renewal period.
The SafePilot application isn't always to be had in Delaware, New Jersey, or California.
Other USAA Insurance
In addition to auto insurance, you can also get several other types of insurance policies from USAA, including:
Motorcycle
Bicycle and e-bike
Classic car
Motorhome/Motorhome
ATV and UTV
Boat
Personal and commercial aviation
homeowners
Renters
Condominium
Personal property
Flood
Umbrella
Farm and ranch
Small business
Professional Responsibility
Life
Health
Long-term care
Dental
Vision
pet
Trip
American Family Car Insurance Review for 2024
Average Annual Rate:
$1,383
PROS:
No. 1 in the Claims Handling subcategory of our analysis
High marks for customer support from policyholders in our survey
CONS:
Only available in 19 states
Several competitors offer lower rates
About American Family
American Family is the No. 2 insurer in our 2024 rankings, just behind No. 1 USAA. Headquartered in Madison, Wisconsin, American Family began in 1927 as a regional auto insurance company. Today, American Family sells a full line of insurance products in 19 states, primarily in the Midwest and West.
Is American family car insurance good?
The No.2 American Family gets high marks from customers in our survey and is at or near the top of many of the subcategories in our rankings, including customer service, customer loyalty, and likelihood of renewal or recommendation. The company is number 1 in our ranking for Claims Handling. American Family's rates are lower than national averages for men and women of all ages, and the company is cheaper than most others for drivers with driving violations or bad credit.
American Family Customer Service
About 90% of American Family policyholders say they're glad or absolutely glad with the customer support they receive. The organization has a number of the most powerful survey responses on this class amongst insurers in our ratings and is 2nd best to USAA in this subcategory. American Family also performs well in our survey in terms of ease of contacting customer service and has the lowest percentage of customers expressing dissatisfaction with the service they receive.
Handling complaints from American families
American Family ranks higher in claims handling than any other insurer in our review, and a high percentage of customers express satisfaction with the ease of filing a claim, status updates during the claim process, and how the claim went resolved. Approximately 87% of respondents said they were satisfied with how their claim was handled overall, while just over 3% said they were dissatisfied.
American Family Customer Loyalty
With a customer loyalty score of 4.4 out of a possible 5.0, American Family ties with USAA for first place in this subcategory in 2024. Approximately 90% of respondents said they would probably or very likely renew their policy with American Family, although just over 3% of American Family customers said they were unlikely or very unlikely to renew.
How much does American family car insurance cost?
Our study found a national average rate of $1,383 per year for drivers with American families. While this is lower than the overall national average rate of $1,547, USAA, Geico, State Farm, and Travelers have proven to be cheaper on average. Depending on your age, driving history, and other factors, American Family may be cheaper than one or more of these companies. Our study found that Allstate was the most expensive on average, with an annual sample fee of $2,135.
American Family Fares for Teen Drivers
The cost of insuring young drivers can be four times that of their older counterparts – or more, as our study found with companies like Farmers and Progressive. With American Family, the premium for a 17-year-old driver is lower, coming in at about 2.5 times the national average rate for a 60-year-old driver.
While still not cheap, American Family costs about $1,500 less than the national average rate for a 17-year-old female and $2,000 less than the average for a 17-year-old male. USAA was the cheapest in this category, at $3,129 for women and $3,364 for men. But USAA sells auto insurance policies exclusively to the military community. For those who don't qualify for USAA, Geico has the second cheapest average annual rate for male teens, about 35% lower than the national average. State Farm is the second cheapest for female teens, about 35% below average.
Fees for Female Teen Drivers
$3,550
American Family Rate for 17-Year-Old Females
$5,064
The national average for women aged 17
Rates for male teen drivers
$3,769
American Family Rate for 17-Year-Old Males
$5,750
The national average for 17-year-old males
American Family Fares for Young Adult Drivers
Auto insurance rates drop significantly when drivers turn 25, dropping by more than $3,000 on average for a woman and nearly $5,000 for a man compared to rates for teen drivers. Our study found that American Family costs about $150 less per year than the national average for a 25-year-old female driver and about $200 less for a male driver.
Farmers proved the most expensive in this category among insurers in our rankings, at $2,385 per year for a female driver and $2,594 for a male driver. The cheapest insurance company for young adult female and male drivers, on average, is USAA, at $1,219 and $1,280, respectively. Geico rates are the second lowest in this category – 23% lower than the national average for young adult female drivers and 27% cheaper for men.
Rates for young adult female drivers
$1,617
American Family Rate for 25-Year-Old Women
$1,757
The national average for women aged 25
Fares for young adult male drivers
$1,663
American Family Rate for 25-Year-Old Men
$1,860
The national average for 25-year-old men
American family fares for adult drivers
American Family customers in this age group pay about $200 less annually than the national average for auto insurance, regardless of gender. USAA is the cheapest overall for this group and about $350 per year cheaper than American Family on average for female or male drivers. Geico also offers affordable rates for drivers in this age group: $270 below the national average for female drivers and $246 cheaper for men.
Allstate is the most expensive for this group, according to our study, and costs about $800 more per year on average than American families.
Fares for adult female drivers
$1,280
American Family Rate for 35-Year-Old Women
$1,470
The national average for women aged 35
Fares for adult male drivers
$1,300
American Family Rate for 35-Year-Old Men
$1,488
The national average for men aged 35
American Family Fares for Senior Drivers
Older drivers tend to spend less on car insurance than their younger counterparts from any insurer, but our study found that the American Family is cheaper than the national average for this group. A 60-year-old woman pays about $110 less annually than the national average with American Family, while savings for a man of the same age average $160. Once again, USAA has proven itself to be cheaper, about $350 cheaper than American Family on average for an older driver of either sex. State Farm offers the second-lowest rates for female and male senior drivers, with savings of $198 and $242, respectively, compared to the national average.
Rates for older female drivers
$1,219
American family rate for 60-year-old women
1,332 dollars
The national average for 60-year-old women
Rates for older drivers
$1,217
American family rate for 60-year-old men
1,376 dollars
National average for 60-year-old men
American families' rates for speeding
Drivers with a speeding record face a rate increase with any insurance company, but our study found that sample rates with American Families are about $150 lower than the national average. Farmers proved to be the most expensive for drivers after a speeding ticket, averaging nearly $900 more per year than American Families.
USAA customers pay the least for speeding on average, with annual sample rates $550 less than American Families. The state farm is no. 2 and Geico is no. 3 for speeding insurance costs, with sample rates that are 27% and 17% below the national average.
Rates per speeding ticket
1783 dollars
American Family Rate after one speeding ticket
$1,935
The national average of one speeding ticket
American family rates after an accident
American Family clients with an unmarried coincidence on document stored greater than $500 a yr in comparison to the countrywide average, in step with our study. The savings were more than The savings were more than $1,500 compared to Farmers, who have the most expensive annual sampling rates for this group.,500 compared to Farmers, who have the most expensive annual sampling rates for this group. Drivers in this group paid the least on average with USAA, about $250 less per year than with American Families.
Rates after one accident
State Farm has the second lowest sample rate for drivers after an accident, with a premium of $690 per year lower than the national average.
Rates after one accident
$1,692
American single-accident family rate
2,212 dollars
National average after one accident
American family rates for drivers with poor credit
A poor credit rating can increase car insurance rates, but our study found a wide range of costs between companies. Here, our study found that drivers with American families pay $438 more per year than the national average. Rates with AAA and Farmers, the most expensive insurers in the category, were much higher, averaging Rates with AAA and Farmers, the most expensive insurers in the category, were much higher, averaging $1,099 and $910 more than the national average.,099 and $910 more than the national average. USAA's sample annual rate is the cheapest in our study, USAA's sample annual rate is the cheapest in our study, $1,001 less per year than the national average.,001 less per year than the national average. Geico, the second most inexpensive in this category, has a median annual price of $919 beneath the country-wide average.
Rates for drivers with poor credit
3332 dollars
Americans' circle of relatives charge for drivers with terrible credit
$2,894
The national average for drivers with poor credit
How much is the minimum coverage with the American Family?
Choosing low coverage limits is one way to save on car insurance and usually results in lower premiums. Our analysis found that low coverage with American Families is about $150 a year cheaper than the national average, but several others have even lower sample rates. USAA is the cheapest overall, with a savings of about $570 per year compared to the national average.
Geico's sample rate of $1,134 per year is the second cheapest for drivers looking for low coverage, $336 below the national average. Allstate and Farmers emerged as the most expensive, both with an average annual rate of roughly $540 higher than the national average.
Low coverage rates
$1,324
American family rate for low coverage
$1470
The national average for low coverage
How Much Is High Coverage with American Family?
Drivers pay more for car insurance when they buy a policy with a higher level of coverage. Greater coverage may include additional protection, such as coverage for bodily injury and, in some states, property damage caused by uninsured or underinsured motorists. Rates for high coverage with American Family were $170 a year cheaper than the national average and nearly $800 a year less than Allstate, the most expensive insurer we studied in this category, according to our study. Of those, USAA turned out to be the cheapest, with a sample annual rate nearly $559 cheaper than the average. Drivers who don't qualify for USAA can save $270 a year compared to the national average with State Farm, the second-cheapest insurer in the category.
Rates for high coverage
$1474
American family rate for high coverage
$1,643
The national average for high coverage
American Family Auto Insurance Discounts
American Family offers a variety of discounts to help lower your premium and most of their customers report being satisfied with the discounts available. About 69% said they were satisfied or completely satisfied with the discounts offered by American Family. Discounts offered by American Family include:
Reduced security
Free Car Security App
Teenage driver rates
Safety driver reduction
Reduced performance
Money for good driving
Low mileage reduction
KnowDrive price
Good money for students
Continue with the discount rate
Package price
Many car discounts
Reduction of many governments
Many product discounts
Other money
Reduced loyalty
Early Bird Discount
Decline in generation
Out-of-school fees
The decline in volunteering is growing
Auto Payment Reduction
Full customer fee reduction
Reduction of paperless books
State Farm Car Insurance Review for 2024
Average Annual Rate:
$1,279
Benefits:
Limits on customer service are provided by current policy holders
The cost of living is generally lower than the national average
Disadvantages:
Policies can only be purchased from this area
About State Farm
State Farm is No. 3 overall in our film of the Best Car Insurance Companies of 2024. The company offers lower-than-average annual rates for many drivers and receives top marks from policyholders for customer loyalty, suggestions, and general market activity. In terms of satisfaction and policy exclusions, State Farm did not fare as well in our customer surveys as some of the other companies reviewed. State Farm's rates for drivers with poor credit are also higher, on average than some competitors.
Is State Car Insurance Good?
State Farm set no. 3 spots in our Best Car Insurance Companies of 2024 rating with a score of 4.2 out of 5. It boasts above-average scores in some of the subcategories we analyzed, including claims management and whether customers will support the State Farm to other people looking for car insurance.
State Farm offers competitive rates for most drivers and is ranked 3rd in our latest ranking of the cheapest auto insurance companies. State consumers pay, on average, $1,279 a year for insurance, $268 less than the national rate of $1,547. USAA, which is only available to military communities, and Geico are the only insurers in our study of the cheapest auto insurance companies that offer the lowest rates.
Car customer service
In our customer service department, the State Farm link is No. 2 in American households and has a rating of 4.3 out of 5, behind No. 1 USAA. Fifty-four percent of State Farm customers say after leaving a comment that they were completely satisfied with the ease of contacting customer service and the customer service they received. Only 2% of customers say they are dissatisfied with State Farm's customer service.
Handling of vehicle claims
State Farm Union and Geico, farmers in the country in 3 countries in the management sector were charged with a score of 4.1. Only No. 1 American Family and No. 2 USAA finished higher in this category, with scores of 4.3 and 4.2, respectively.
Nearly 50% of State Farm customers say they are completely satisfied with the ease of filing a claim, according to our survey, and more than 54% describe themselves as satisfied. complete with how the company handles its claims. Although the number of state management agencies in our survey is generally above average, less than half of those surveyed say they are completely satisfied with the communication they received during the reporting experience. them.
Loyalty of state agricultural traders
State Farm, with a score of 4.2 out of 5, is No. 3 in the customer loyalty category. Only USAA and American Family members were given a higher rating. About 59 percent of survey respondents who filed complaints say they are likely to renew their auto policies, and 52 percent of respondents say they are likely to recommend State Farm to someone looking for auto insurance. down.
How much is state Farm car insurance?
State Farm's average annual rate is the third lowest overall among the industries we studied. State Farm customers pay $1,279 a year for insurance, on average. That's $268 lower than the national annual average. Only USAA and Geico, No. 1 and No. 2, respectively, in our ranking of cheapest auto insurance, offer lower premiums.
State Farm rates are below average for most drivers. The company has competitive rates for young drivers and those who have had an accident. State Farm offers affordable policies for drivers with a DUI on their record. However, drivers with poor credit may want to look at other car insurance companies, as the company ended up outside the top 5 in our ranking.
Remember, car insurance rates vary based on driving record, age, location, credit history, and vehicle type, among other factors. The type and amount of insurance you choose will also affect the amount you pay.
State Farm Rates for Teen Drivers
Car insurance rates for teenage drivers are higher than for any other vehicle in our study. But drivers who choose State Farm may find rates fall below the national average for both male and female teens. Policyholders save about $1,784 per year compared to the national average for teenage women. Policies for teenage drivers, meanwhile, are about $1,731 per year cheaper than the national average. If there is a young driver on your policy, USAA has the lowest rate, and State Farm No. 2 for female drivers and Geico No. 2 for guys. Farmers have the highest number in this sector.
Rates for Female Teen Drivers
$3,280
Agricultural employment rate for 17-year-old women
$5,064
The national average for women is 17 years
Rates for Male Teen Drivers
$4,019
State Farm Rate for Males 17 Years Old
$5,750
The national average for boys is 17 years
State Farm rates for young drivers
Once most drivers pass their early 20s, the rates they are charged for lower car insurance. Young adults have more experience behind the wheel and are no longer associated with the high level of risk insurance agents often associate with teenage drivers. State Farm offers the third lowest wages for female and male drivers, with rates that are 21% and 17% lower, respectively, than the national average for drivers at this time. USAA has the lowest rates for drivers in their mid-20s, while farmers have the highest rates.
Rates for young female drivers
$1,381
State Farm Rates for Women 25 Years Old
$1,757
The national average for women is 25
Rates for young male drivers
$1,537
State Farm Rates for Males 25 Years Old
$1,860
The national average for men is 25
State Farm Rates for Adults
Drivers in their mid-30s tend to pay lower rates for car insurance than teenagers and young adults. State Farm has the third lowest average for drivers, according to our study of cheap car insu has the highest rates.
Rates for older female drivers
$1,245
State Farm Rate for Women 35 Years Old
$1,470
The national average for women is 35
Rates for older male drivers
$1,245
State Farm Rates for Men 35 Years Old
$1,488
The national average for men is 35rance. Male and female policyholders may see rates that are 15% and 16% lower, respectively, than the national average in this category. USAA has the lowest rates for older drivers, while Allstate
State Farm Premiums for Senior Drivers
Both male and female drivers who are 60 years old and insured by State Farm pay lower than the national average and lower than most insurers offer in our ranking. The insurance company is No. 2 in this category in terms of price. USAA is No. 1, with average annual earnings of $460 lower than the national average for women and $500 lower for men. Allstate has the highest number of high-quality drivers among the companies we studied. Geico No. 3 when it comes to cheap car insurance for seniors, and passengers is 4th.
Costs for elderly women
$1,134
Fertility rates for women aged 60 years
$1,332
The national average for women aged 60
Statistics for Older Drivers
$1,134
State Farm Rates for Men 60 Years Old
$1,376
The national average for men aged 60
State Farm Fees When tickets run
Car insurance costs can rise significantly when just one ticket runs, so it's important to consider one's options when shopping for a policy. Some companies' rates are rising less, compared to the national average, than others, and State Farm is one of those. The insurer was rated No. 2 in this category, with annual rates more than $500 lower than the national average. Only USAA, which is only available to military members, has a lower price after they get a ticket. Geico is the No. 3 and American Family is fourth in relation to the price of coverage after a rushing ticket. Farmers have the highest number in this sector.
Price when one ticket runs
$1,413
State Farm Rate As one ticket runs
$1,935
National Average When One Ticket Runs
State Farm Income After Disaster
An accident can cause the rate you pay for car insurance to go up. However, State Farm is No. 2 for drivers with accidents on their record, with annual premiums of $690 lower than the national average. USAA has the lowest rate for drivers with a single accident on their record, and is $768 per year lower than the national average. American families are No. 3 in this category, and travelers are No. 4. Farmers have the highest rate after an accident, with an average annual salary 44% higher than the national average.
Amount after an accident
$1,522
State Farm rate after one accident
$2,212
National average after one accident
State Farm charges for drivers with negative credit
One thing drivers don't always think about when shopping for car insurance is how much their credit history can affect their monthly payments. State Farm has competitive rates in other categories we reviewed, but not so for drivers with poor credit. The State Farm average rate is more than 21% higher than the national average in this category. USAA has the lowest rate in this category, Geico is No. 2, and the entire nation is No. 3. AAA has the highest rate for impaired drivers.
Rates for drivers with poor credit
$3,516
State Farm charges for drivers with bad credit
$2,894
The countrywide common for drivers with negative credit
How Much Is Minimum Coverage with State Farm
Most states require drivers to hold minimal car coverage. States have different minimum requirements, in terms of amount and type of insurance required. State Farm has the third lowest rate among the insurers we studied when it comes to minimum coverage, with an annual premium of $275 per year less than the national average. USAA has the lowest rate in this category and Geico is number 2. Allstate has the highest rate for minimum coverage, $543 per year more expensive than the national average.
See: How Much Car Insurance Do I Need?
The cost of insurance is low
$1,195
Farm rates for insurance are low
$1,470
The national average for coverage is low
How Much Is High Coverage with State Farm?
Higher levels of coverage are usually more expensive than minimum coverage policies. However, they offer stronger financial protection. Advanced levels of insurance may include additional protections, such as coverage against bodily injury, and in some states, property damage caused by uninsured or underinsured drivers.
The state's farms have the second-lowest prices in this category, with prices 16% below the national average. USAA, which sells policies only to members of the US military, has the lowest rates for advanced insurance levels. Geico is preferred by Travelers No. 3 and No. 4, respectively, in terms of premiums for advanced insurance policies.
The cost of insurance is high
$1,373
Farm rates for high coverage
$1,643
The national average for insurance is high
State Farm Car Insurance Discounts
State Farm customers can pay lower prices by taking advantage of discounts. Just under 48% of State Farm's unenrolled customers say they are completely satisfied with the discounts their insurers offer, according to our survey.
Discounts available at State Farm include:
Reduced performance
Car Safe & Save Discounts
Steer Clear Discount
Reduced accident-free driving
Discounted driving lessons
Driver discount is good
Other Savings & Discounts
Reduction of theft
Reduced vehicle safety
Reduction of passive barriers
Multiple auto discounts (one car)
Multipolicy
Coverage and eligibility varies by state, so it's a good idea to contact an agent or visit the State Farm website to find out how many drivers are included in your policy.
State Farm's telematics program
Using a Bluetooth app (called a "beacon"), State Farm's Save and Save app drives and monitors your driving habits to calculate how much you can save on your insurance.
Using the location function, the app will analyze driving factors such as quick acceleration, hard braking, fast cornering, and speed to determine the discount you qualify for, up to 30 percent.
Geico Car Insurance Review for 2024
National Average:
$1,250
PROS:
Some of the lowest annual fees, on average, among the companies in our rankings
Good score in customer service, complaint handling and customer loyalty
Offers a large choice of reductions to growth savings
CONS:
Rates for DUI drivers are higher than most other insurers in our rankings
About Geico
Geico ties with Nationwide for No. 4 on our Best Auto Insurers of 2024. The company also ranks in the top five in categories including customer service, claims handling and customer loyalty. Geico is ranked second for cheapest average annual fees, falling below the national average.
Is Geico car insurance any good?
Overall, Geico could be a good choice for many drivers. It offers the second-lowest average annual rates in our study, coming in at about $300 less than the national average. Only USAA has lower rates on average, but USAA only offers insurance to members of the military community and their families. In the subcategories we analyzed, Geico also had some of the lowest rates among the insurers in our rankings. The company also ranks in the top 5 in categories such as customer service, claims handling, customer loyalty, and likelihood of renewal or recommendation.
Geico Customer Service
Geico falls in the middle when it comes to customer service. Our results, based on a combination of survey responses and other sources, found it is tied for fourth place with Nationwide, Farmers, and Travelers. When asked if they were completely satisfied with Geico's service, 50% of all respondents said yes. Half of all respondents additionally stated they had been absolutely glad with the benefit of contacting Geico's purchaser service. These numbers stay more or less identical amongst respondents who filed a criticism with Geico.
Geico Complaint Handling
For claims handling, Geico is tied with State Farm, Farmers, and Nationwide for third place in our rankings. Regarding filing a complaint, 48% of respondents said they were completely satisfied with the ease with which a complaint was filed and with the updates they received on those complaints. For complaint resolution, 49% of respondents said they were completely satisfied with the way their complaint was resolved.
Geico Customer Loyalty
In terms of customer loyalty, Geico is tied with AAA for fourth place. Among clients who did now no longer record a claim, 43% stated they could probably propose Geico to a person seeking out vehiclemobile insurance, and 55% stated they could probably do so. renew your own policy. Of customers who filed a complaint, 42% said they would likely recommend Geico to someone looking for auto insurance and 51% said they would likely renew their own policy.
How Much Is Geico Car Insurance?
According to our study, Geico has the second-lowest average annual fee at $1,250, which is 19% lower than the national average of $1,547. Only USAA has cheaper rates on average, but that company does not offer its products to the general public. While Geico doesn't have the lowest rates in any subcategory, it comes pretty close in several categories, such as teen drivers, young adult drivers, and drivers with bad credit. The only exception is drivers with a DUI, where Geico rates are some of the highest rates.
Geico Rates for Teen Drivers
For female teens, Geico's rates are nearly $1,586 lower than the national average, and for male teens, the company's rates are approximately $2,000 lower than the national average. USAA, which is available exclusively to members of the military community, offers the lowest rates for teens, costing $350 less than Geico for women and nearly $380 less for men. State Farm has the second-lowest charges for lady youngster-ager drivers, and Geico has the third-lowest. For male teen drivers, Geico has the second lowest rates and American Family is third. Geico's rates are less than half the most expensive teen rates from farmers. For female teens, Geico costs $4,700 less, and for male teens, Geico costs almost $5,200 less.
Fees for Female Teen Drivers
$3,478
Geico Fee for 17-Year-Old Females
$5,064
The national average for women aged 17
Rates for male teen drivers
$3,742
Geico fee for 17-year-old males
$5,750
The national average for 17-year-old males
Geico fares for young adult drivers
Geico has affordable rates for young adults, coming in at approximately $400 less than the national annual average for women and $500 less than the national average for men. The enterprise has the second one lowest cost in this class amongst insurers in our rating. For the category, USAA has the cheapest rates, while Farmers has the highest rates for young adults, costing For the category, USAA has the cheapest rates, while Farmers has the highest rates for young adults, costing $1,039 more for female young adults and more than $1,200 more,039 more for female young adults and more than For the category, USAA has the cheapest rates, while Farmers has the highest rates for young adults, costing $1,039 more for female young adults and more than $1,200 more,200 more for men than Geico.
Rates for young adult female drivers
$1,346
Geico Rate for 25-Year-Old Women
$1,747
National average for women aged 25
Fares for young adult male drivers
$1,357
Geico Rate for 25-Year-Old Men
$1,860
National average for 25-year-old men
Geico fares for adult drivers
Geico's annual sample fees are $270 less for women and nearly $250 less for men than national averages. The lowest prices come from USAA, which are $260 much less for girls and $three hundred much less for guys than Geico's prices. Geico's premiums, the second cheapest in this category, are slightly lower than Allstate's, which are the highest. Geico costs almost $900 less for adult females and $827 less for adult males than Allstate.
Fares for adult female drivers
$1,200
Geico Rate for 35-Year-Old Women
$1,470
National average for women aged 35
Fares for adult male drivers
$1,241
Geico Rate for 35-Year-Old Men
$1,488
The national average for men aged 35
Geico Rates for Senior Drivers
Older drivers generally pay less for car insurance than younger drivers. Geico's average annual fees for senior women are $179 less than the national average and $174 less than the national average for men. Geico's rates are higher than USAA, which has the cheapest rates for seniors, and slightly higher than State Farm, which had the second-lowest rates in this category. USAA fees are almost $300 less for women and approximately $325 less for men than Geico fees. Allstate's annual sample fees, which are the most expensive, are $765 higher for women and $754 higher for men than Geico.
Fares for senior female drivers
$1,153
Geico Rate for Women Over 60
$1,332
The national average for women aged 60
Fares for senior male drivers
$1,202
Geico Rate for Men Over 60
$1,376
The national average for men aged 60
Geico Fees After a Speeding Ticket
Drivers with a speeding ticket on their driving record generally have higher car insurance rates than drivers with a clean record. Still, Geico's rates for a driver with a speeding ticket are $324 less than the national average, and the third lowest in our study. Geico's rates are higher than USAA's rates, which are the cheapest we found, and State Farm's rates, which are the second lowest. USAA costs $379 less than Geico for drivers with a speeding ticket on their record. Farmers, the most expensive insurer in this category, costs $1,048 more on average than Geico.
Fees after a speeding ticket
$1,611
Geico Fee After a Speeding Ticket
$1,935
National average after a speeding ticket
Geico Rates for Drivers with Bad Credit
A driver's credit score is one of many factors that insurance companies use to determine car insurance rates. Geico has decrease fees than the country wide average, specifically $919 less. Geico's fees are the second lowest in the category, behind only USAA, which has fees that are $82 lower than Geico's. Nationwide and Travelers are in 4th and 5th place, respectively, in this category. AAA has the highest rates for drivers with bad credit, coming in at approximately $2,000 more than Geico's rates.
Fees for Drivers with Bad Credit
$1,975
Geico Fee for Drivers with Bad Credit
$2,894
National Average for Drivers with Bad Credit
What is the minimum amount of car insurance covered by Geico?
Drivers who want to save money on car insurance generally purchase the minimum amount of liability coverage required by the state. With Geico, drivers who buy minimal insurance pay $336 much less in line with 12 months than the country wide average. In fact, Geico's quotes are the second one lowest withinside the category, at the back of USAA. Specifically, USAA's rates are Specifically, USAA's rates are Specifically, USAA's rates are Specifically, USAA's rates are $171 lower than Geico's rates for minimum coverage.71 lower than Geico's rates for minimum coverage.71 lower than Geico's rates for minimum coverage.71 lower than Geico's rates for minimum coverage. Farmers and Allstate have the most expensive average annual fees for minimum coverage, separated by just Farmers and Allstate have the most expensive average annual fees for minimum coverage, separated by just separated by just $1.. Their fees are approximately $880 more than Geico's fees for minimum coverage... Their fees are approximately $880 more than Geico's fees for minimum coverage.
Rates for Low Coverage
$1,134
Geico Rate for Low Coverage
$1,470
National Average for Low Coverage
How much does high coverage cost with Geico?
Purchasing higher levels of auto insurance coverage results in higher premiums. Higher levels of coverage may include additional protections, such as coverage against bodily injury and, in some states, property damage caused by uninsured or underinsured motorists. Geico offers some of the lowest rates in its category. Geico's quotes are $269 decrease than the country wide average, but $290 extra than USAA, which has the bottom quotes for the category. Geico is third in this category, with annual premiums just Geico is third in this category, with annual premiums just $1 cheaper than State Farm, ranked No. cheaper than State Farm, ranked No. 2, according to our study. Both cost almost $900 less than Allstate, which has the most expensive rates for drivers who purchase high coverage.
Rates for high coverage
$1,374
Geico Rate for High Coverage
$1,643
High Coverage National Average
Geico Auto Insurance Discounts
Geico offers several discounts to help customers save money when purchasing car insurance. Despite this, the handiest 40% of respondents to our survey stated they had been absolutely glad with the coverage reductions supplied through Geico. For respondents who filed a complaint with Geico, that number drops to 38%. Discounts available at Geico include the following:
Security discounts
Airbag discount
Discount on anti-lock brakes
Discount on anti-theft system
Discount on daytime running lights
Discount on new vehicles
Performance Discounts
Good discount for driver
Discount on seat belt use
Discount on defensive driving
Discount on driver education course
Good discount for students
Job Discounts
Discounts for members and employees
Emergency deployment discount
Discount for federal employees
Military Discount
Additional Discounts
Discount for multiple vehicles
Multi-policy discount
Nationwide Car Insurance Review for 2024
National Average:
$1,473
ADVANTAGES:
Above average scores in customer service and complaints management
Affordable rates for drivers with bad credit
DISADVANTAGES:
Higher minimum coverage rates than many competitors
Premiums for drivers with DUI are better than the country-wide average
About the whole country
Nationwide ranks No. 4 in our ranking of the best auto insurance companies for 2024. The company's common annual charges are close to the center of the % in most of the kinds we analyzed. Nationwide receives robust marks from policyholders while requesting whether or not they're probably to resume their rules or suggest the employer to others.
Is nationwide car insurance good?
Nationwide ranks fourth overall, tied with Geico, in our ranking of the Best Auto Insurance Companies of 2024. Nationwide's average annual premium ranks near the middle of our ratings, and the company's rates are lower than the national average in almost every category we studied. One exception is your rate for drivers with a DUI on their record.
Nationwide is tied with three other companies for #4 in the Customer Service subcategory and #3 in the Most Likely to Recommend subcategory. Nationwide is also tied for #3 in the Likely Renewal subcategory.
Nationwide Customer Service
In this subcategory, Nationwide ranks No. 4, tied with Geico, Travelers, and Farmers. When asked about the ease of opening a policy with Nationwide, 64% of respondents were satisfied. Additionally, 56% of consumers surveyed said they were completely satisfied with how easy it is to contact Nationwide customer service, while 60% of respondents are completely satisfied with the service provided.
Claims management at the national level
Nationwide ranks third in this subcategory, tied with State Farm, Farmers, and Geico. About 52% of respondents said they are completely satisfied with how easy it is to file a claim with Nationwide, while 47% described themselves as completely satisfied with the status updates they received from Nationwide regarding the claim. About 51% of respondents said they were completely satisfied with the way their claim was resolved.
Customer loyalty nationwide
Nationwide is in a four-way tie for No. 6 with Allstate, Farmers, and Travelers in this subcategory. About 53% of respondents who filed a claim say they are very likely to renew their auto insurance policy with Nationwide. When asked if they would recommend Nationwide to others looking for auto insurance, about 41% of respondents said they were very likely to do so.
How much does car insurance cost nationwide?
Nationwide's average annual rate is $1,473, less than the national average rate of $1,547. However, compared to other auto insurance companies in our rankings, Nationwide's prices are close to the middle of the pack in most categories. It has some of the lowest rates in our study for drivers with bad credit and offers below-average rates for some demographics in our analysis, including older female drivers. For drivers with a DUI on their driving record, Nationwide has some of the most expensive auto insurance rates.
Nationwide Rates for Teen Drivers
Auto insurance companies charge some of their highest premiums to insure teen drivers. Nationwide's rate for teenage girls is 2% below the national average, while its average rate for insuring teenage boys is 4% higher than average.
The company's average annual rates for teen women and men are $1,828 and $2,613 higher, respectively, than USAA, which has the cheapest rates, on average. Compared to Farmers, which have the highest rates in this category, Nationwide's rates are $3,221 per year lower for teenage girls and $2,934 lower for teenage boys.
USAA sells its auto insurance policies exclusively to members of the military community. Those who don't qualify for USAA can try State Farm or Geico. State Farm ranks second among teen drivers with a sample rate about 35% below the national average. Geico ranks second among male teens with a rate about 35% lower than average.
Rates for teen drivers
$4,957
National Rate for Women 17 Years Old
$5,064
The national average for 17-year-old women
Rates for teenage male drivers
$5,977
National Rate for Men 17 Years Old
$5,750
National average for 17-year-old men
Nationwide Rates for Young Adult Drivers
Nationwide's car insurance rates for single drivers aged 25 are close to the national average: just under 2% less for women in this category and almost 1% less for men. The company's average rates are more than $500 per year more than USAA, which is the least expensive premium for young adult drivers. Geico's rates are the second cheapest in this category, 23% lower than the national average for young adult female drivers and 27% cheaper for men. Farmers have the highest rates among the companies in our study for young adult drivers.
Rates for young adult female drivers
$1,728
National Rate for Women 25 Years Old
$1,757
The national average for women aged 25
Rates for young adult male drivers
$1,852
National Rate for Men 25 Years Old
$1,860
The national average for 25-year-old men
Nationwide rates for adult drivers
National rates for married drivers age 35 are nearly 7% lower than the national average for female drivers and more than 5% lower for male drivers. USAA has the lowest average annual rates for adult drivers, 36% below the national average for female and male drivers in this category.
Geico, with an annual rate of $270 below the national average for female drivers and $246 cheaper for men, also has affordable rates for motorists in this age range. Allstate has the highest rates in this category, about $700 more than Nationwide's rates.
Rates for adult female drivers
$1,370
National Rate for Women 35 Years Old
$1,470
The national average for women aged 35 years
Rates for adult male drivers
$1,410
National Rate for Men 35 Years Old
$1,488
The national average for men aged 35 years
Nationwide rates for older drivers
Male and female drivers age 60, married and insured through Nationwide pay rates below the national average. National average auto insurance rates for seniors are 10% less than the national average for female drivers and 7% less for men. The company's annual rates for older female and male drivers are, respectively, $321 and $409 more than USAA, which has the cheapest rates for older drivers but is more aggressive than Allstate, which has the best costs in this category. State Farm has the second-lowest rates for older male and female drivers, and Geico is third in this category.
Rates for older female drivers
$1,193
National Rate for Women 60 Years Old
$1,332
The national average for women aged 60
Rates for older male drivers
$1,376
National Rate for Men 60 Years Old
$1,376
The national average for men aged 60
Nationwide Rates After a Speeding Ticket
An unmarried dashing price tag can cause your vehicle coverage charges to increase. The national average annual rate for drivers in this category is approximately 4% below the national average. However, it is more than $600 per year higher than USAA, which has the cheapest premium, on average, for drivers with a speeding ticket on their record. Nationwide is just over $800 cheaper than Farmers, which has the highest rate for drivers with speeding tickets. State Farm is second and Geico is third when it comes to the cost of insurance after a speeding ticket. State Farm is 27% cheaper than the national average in this category and Geico is about 17% less expensive.
Fees after a speeding ticket
$1,849
Nationwide fee after a speeding ticket
$1,935
National average after a speeding ticket
Nationwide rates after an accident
Nationwide's price for drivers with a twist of fate on their report is almost equal to the countrywide common price. However, it is almost $800 per year more expensive than USAA, which has the lowest average annual rate in this category. Nationwide's price is $992 in keeping with a 12-monthly decrease than Farmers, which has the best price for drivers in this class on average. State Farm ranks second among drivers with an accident history, with an average annual premium that is $690 less than the national average.
Rates after an accident
$2,215
Nationwide rate after an accident
$2,212
National average after an accident
Nationwide Rates for Drivers with Bad Credit
Drivers don't always consider how much their credit history can affect their premiums, but generally, the better your credit, the less you'll pay for car insurance. Conversely, people with decreased rankings pay better rates. The nationwide average annual rate for drivers with bad credit is more than 30% below the national average in this category.
Nationwide is ranked No. 3 in this category in our ranking of cheap car insurance companies. Its sample rate is more than $134 more per year than USAA, which has the lowest rate in this category, and nearly $1,966 less than AAA, which has the34 more per year than USAA, which has the lowest rate in this category, and nearly Its sample rate is more than $134 more per year than USAA, which has the lowest rate in this category, and nearly $1,966 less than AAA, which has the,966 less than AAA, which has the highest average annual rate.
Rates for drivers with bad credit
$2,027
The national rate for drivers with bad credit
$2,894
The national average of drivers with bad credit
How much is the minimum coverage with Nationwide?
Purchasing only the minimum amount of coverage required in your state can be an effective way to keep auto insurance affordable. For drivers who have minimal coverage, Nationwide's sample rate is slightly higher than the national average. That's $534 per year more than USAA, which has the lowest rate, and $516 less than Allstate, which has the highest rate in this category. Geico ranks No. 2 in this category with an average annual rate of $336 below the national average.
Rates for low coverage
$1,497
National Rate for Low Coverage
$1,470
The national average of low coverage
How much is high coverage with Nationwide?
When drivers purchase a policy with higher levels of coverage, they will pay higher auto insurance rates. Higher levels of coverage may include additional protections, such as coverage against bodily injury and, in some states, property damage caused by uninsured or underinsured drivers. For drivers who have a large amount of coverage, Nationwide's sample rate is slightly higher than the national average. That's about $570 more than USAA, which has the lowest rate for drivers with high coverage, and about $600 less than Allstate, which has the highest rate in this category.
Drivers who can't get a USAA policy can save $270 per year compared to the national average with State Farm, the second cheapest insurer in our study for higher levels of coverage.
Rates for High Coverage
$1,654
National High Coverage Rate
$1,643
National average high coverage
Nationwide Auto Insurance Discounts
Nearly 49% of respondents said they are completely satisfied with the policy discounts offered by Nationwide. Those discounts include:
Security Discounts
Defensive driving
SmartRide (usage-based insurance program)
SmartMiles (based on miles driven)
Anti-theft
Safe driver
Accident-free
Additional discounts
Multipolitics
Automatic payments
Good student
Out of paper
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