Car Insurance in USA | Online Auto Insurance Calculator

Get insurance from a company that’s been trusted since 1936. See how much you can save with GEICO on insurance for your car, motorcycle, and more.

How It Works:

• Auto insurance provides financial protection in case of accidents, theft, or damage to your vehicle.
• Policyholders pay premiums in exchange for coverage.
• In the event of a covered incident, the insurance company compensates for damages based on the policy terms.
• Deductibles may apply before the insurance company pays out.

Coverage Types:

• Liability Coverage: Covers damages or injuries you cause to others in an accident.
• Collision Coverage: Pays for damages to your vehicle from a collision, regardless of fault.
• Comprehensive Coverage: Covers non-collision-related damage, such as theft, fire, or natural disasters.
• Personal Injury Protection (PIP): Covers medical expenses for you and your passengers, regardless of fault.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re in an accident with a driver who lacks sufficient insurance.

State Farm

State Farm Insurance Company, founded in 1922 and headquartered in Bloomington, Illinois, is the largest auto insurer in the United States. As a mutual company owned by its policyholders, State Farm offers a wide range of coverage options, including liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage. They also provide additional services like rental reimbursement and roadside assistance. State Farm is known for its extensive network of over 19,000 agents, providing personalized customer service, and 24/7 claims support through their mobile app and online platforms. The company offers various discounts, such as for safe driving, multiple policies, good students, and participation in the Drive Safe & Save program. With an A++ rating from AM Best, State Farm is financially strong and reliable. Although premiums may be higher than some competitors, especially without discounts, the company consistently receives high marks for customer satisfaction and claims handling, making it a top choice for those who prioritize comprehensive coverage and personal service.

GEICO
GEICO, or the Government Employees Insurance Company, was founded in 1936 and is headquartered in Chevy Chase, Maryland. It is one of the largest and most well-known auto insurers in the United States. GEICO is renowned for its affordable rates and extensive use of online and mobile platforms, making it easy for customers to obtain quotes, manage policies, and file claims. The company offers a variety of coverage options, including liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage. GEICO also provides additional services such as roadside assistance and rental car reimbursement.

One of GEICO’s standout features is its wide range of discounts, which include savings for safe driving, multiple vehicles, good students, federal employees, military members, and bundling policies. The company is particularly popular for its competitive pricing, often offering lower premiums compared to many competitors. However, GEICO has a more limited network of local agents, with much of its business conducted online or via phone, which may not appeal to customers who prefer in-person service.

Despite this, GEICO maintains strong customer satisfaction ratings and is financially stable, holding an A++ rating from AM Best. The company’s advertising, featuring its well-known gecko mascot, has also contributed to its widespread recognition. GEICO is an excellent option for those seeking affordable auto insurance with the convenience of digital management and a broad array of discounts.

Progressive

Progressive, founded in 1937 and headquartered in Mayfield Village, Ohio, is one of the largest auto insurance providers in the United States. Known for its innovative approach to insurance, Progressive was the first major insurer to offer drive-in claims service and later introduced the Snapshot program, a usage-based insurance option that allows customers to potentially lower their premiums based on their driving habits.

Progressive offers a comprehensive range of coverage options, including liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage. The company also provides additional options like rental car reimbursement, roadside assistance, and gap insurance, which covers the difference between the value of a totaled vehicle and the balance remaining on a loan or lease.

Progressive is recognized for its competitive pricing and extensive discounts, which include savings for bundling auto with home or other insurance policies, safe driving, paying in full, and having multiple vehicles. The company’s Name Your Price tool allows customers to input their budget and receive coverage options that fit within that range, making it easier for individuals to find affordable insurance.

Progressive operates both online and through a network of local agents, offering flexibility for customers who prefer either digital or in-person service. The company is financially strong, with an A+ rating from AM Best, and is known for its straightforward claims process and solid customer service.

While customer service ratings can vary by region, Progressive’s innovative tools, variety of coverage options, and competitive pricing make it a strong choice for many drivers, particularly those interested in customizing their insurance to fit their needs and budget.

USAA (For military families)

USAA, founded in 1922 and headquartered in San Antonio, Texas, is a highly respected auto insurance provider exclusively for military members, veterans, and their families. Known for its exceptional customer service and competitive rates, USAA offers a range of coverage options including liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage. Additional services such as roadside assistance, rental car reimbursement, and coverage for military-related circumstances are also available.

USAA stands out for its strong focus on serving the military community, with benefits tailored to the unique needs of service members and their families. This includes coverage for vehicles while deployed or stationed overseas and special provisions for military moves. The company is also recognized for its extensive discounts, which may include savings for safe driving, bundling policies, and membership in military associations.

The company has a reputation for outstanding customer satisfaction and is known for its efficient claims process. With an A++ rating from AM Best, USAA is financially strong and reliable. However, its services are only available to eligible military members, veterans, and their families, which limits its customer base.

Overall, USAA is a top choice for those who qualify, offering excellent coverage options, personalized service, and a strong commitment to the military community.

Allstate

Allstate, founded in 1931 and headquartered in Northbrook, Illinois, is one of the largest auto insurance providers in the United States. It offers a wide range of coverage options including liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage. Allstate also provides additional services such as rental car reimbursement, roadside assistance, and new car replacement coverage.

Known for its extensive network of local agents, Allstate provides personalized service and tailored insurance solutions. The company offers a variety of discounts, including those for safe driving, bundling multiple policies, driving a vehicle with safety features, and completing an Allstate Drivewise® program, which tracks driving habits for potential savings.

Allstate is recognized for its robust claims handling and customer service, although premium rates can be higher compared to some competitors. The company holds an A+ rating from AM Best, reflecting its strong financial stability.

With a focus on comprehensive coverage options and a wide network of agents, Allstate is a solid choice for those who value personal service and customizable insurance solutions. However, potential customers should consider comparing quotes and discounts to ensure the best value for their insurance needs.

Amica Mutual

Amica Mutual, founded in 1907 and headquartered in Lincoln, Rhode Island, is known for its high customer satisfaction and personalized service. The company offers a range of auto insurance coverage options, including liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage. Additionally, Amica provides services such as rental car reimbursement, roadside assistance, and accident forgiveness.

Amica Mutual stands out for its strong focus on customer service, with a reputation for efficient claims handling and responsive support. The company offers various discounts, including those for safe driving, bundling multiple policies, and having anti-theft devices in your vehicle. Amica is also known for its dividend program, which can return a portion of the premium to policyholders based on their claims experience.

With an A+ rating from AM Best, Amica is financially stable and reliable. Although premiums may be higher than some competitors, the company’s high customer satisfaction ratings and strong claims handling make it a preferred choice for many. Amica’s emphasis on personalized service and its dividend program are significant advantages for customers seeking both quality coverage and potential savings.

Nationwide

Nationwide, founded in 1925 and headquartered in Columbus, Ohio, is a major auto insurance provider known for its broad range of coverage options and competitive pricing. The company offers various types of auto insurance, including liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage. Nationwide also provides additional services such as rental car reimbursement, roadside assistance, and accident forgiveness.

Nationwide is recognized for its customizable insurance solutions, including features like the Vanishing Deductible® program, which reduces your deductible over time if you maintain a claims-free record. The company offers a variety of discounts, including savings for bundling policies, safe driving, having multiple vehicles, and being a good student.

With an A+ rating from AM Best, Nationwide is financially stable and well-regarded for its customer service and claims handling. While its premiums are competitive, they can vary based on individual factors such as driving history and location. Nationwide’s strong financial position and diverse range of coverage options make it a solid choice for many drivers seeking reliable and flexible auto insurance solutions.

Farmers Insurance

Farmers Insurance, founded in 1928 and headquartered in Los Angeles, California, is a prominent auto insurance provider offering a broad range of coverage options. The company provides standard coverage types such as liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage. Additional services include rental car reimbursement, roadside assistance, and accident forgiveness.

Farmers Insurance is known for its customizable policies and various optional coverages, including rideshare insurance for those who drive for services like Uber or Lyft. The company offers a range of discounts, such as those for bundling policies, having a good driving record, installing safety features in your vehicle, and completing a defensive driving course.

Farmers operates through a network of local agents, providing personalized service and tailored insurance solutions. The company holds an A rating from AM Best, reflecting its strong financial stability. While Farmers’ premiums can be higher compared to some competitors, their extensive coverage options, robust discounts, and personalized service make it a strong choice for those seeking comprehensive and flexible auto insurance solutions.

Each company has its strengths and weaknesses, so it’s important to get quotes, compare coverage, and read reviews to find the best auto insurance for your specific needs.