Which car insurance is best?

USAA is ranked first as the best auto insurance company, with American Family coming close to No. 1.

US car insurance review U.S. · Geico car insurance review

. So, which is the best car insurance company? That depends on a variety of factors.

Below, CNBC Select breaks down the top auto insurance companies into six main categories. See our methodology for more information on how we choose the best auto insurance companies. In addition to standard coverage options, Geico offers several optional add-ons, such as emergency roadside assistance, rental vehicle reimbursement, and insurance against mechanical breakdowns. Read our Geico Auto Insurance review.

Nationwide offers one of the broadest auto insurance networks, with coverage available in 46 states plus the District of Columbia (all states except Alaska, Hawaii, Louisiana and Massachusetts). This is an important distinction because several companies competing for your business equate to lower premiums. When it comes to coverage, Nationwide offers some of the lowest average car insurance rates for maximum coverage and some of the highest for minimum coverage. If you can combine your insurance products and save on overall coverage, Nationwide could be a good option for you.

State Farm is one of the largest auto insurers by market share and has an excellent reputation for customer satisfaction. It offers 13 discounts, including some for safe driving and for young drivers. Read our State Farm auto insurance review. According to the National Association of Insurance Commissioners (NAIC), State Farm is the largest auto insurance company in the U.S.

UU. It has the highest average of J, D. Powerful score from the companies on this list, making it the best in its class in terms of customer satisfaction. The three cheapest auto insurance companies based on average annual premiums are USAA, Auto-Owners, and Geico.

However, car insurance rates can vary significantly depending on factors such as your driving history, credit profile, and where you live. Rates can also vary by age, and the best car insurance for seniors might not be the best car insurance for a young driver, for example. Compare prices, as the cheapest insurance company for you may differ. To determine which are the best auto insurance companies, CNBC Select analyzed dozens of U.S. insurance companies that offer policies that fit a variety of needs.

After reviewing the above features, we ranked our recommendations according to the best in general terms, the best for comprehensive coverage, the best for customer satisfaction, the best for discounts, the best for drivers with drunk driving, and the best for military and veterans. Shannon Martin is a licensed insurance agent and content writer for Bankrate. With a degree in Science from the University of Louisiana at Lafayette and with 15 years of experience in the insurance industry, she enjoys helping others navigate the insurance world by learning complex jargon and empowering readers to make sound financial decisions independently. Insurance providers use unique underwriting algorithms to determine your insurance risk and how likely you are to file a claim.

Each state's insurance department is responsible for recording and supervising complaints against companies operating in their states. Get up to date with CNBC Select's comprehensive coverage on credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to keep up to date. Usually, auto insurance companies will extract your motor vehicle report when you receive a new quote or when your policy is going to be renewed. Nationwide offers several discounts and auto insurance options, with lots of extras for loyal customers.

If you're simply looking for the cheapest car insurance out there, check out NerdWallet's analysis of the cheapest car insurance. For example, if you're looking for a specific type of coverage, such as rideshare insurance, make sure the company offers it before buying a policy. Information is usually collected using a smartphone application or a device that you plug in under the dashboard of the car. The company offers a wide range of auto insurance discounts, including those for having multiple policies, not having accidents, driving defensively and having certain vehicle safety features.

Before applying for car insurance, you may want to check your credit score with a credit monitoring service, such as Chase Credit Journey or CreditWise, and take steps to improve it and ensure a lower car insurance premium. Please note that the premiums and policy structures announced for auto insurance companies are subject to fluctuation in accordance with company policies. Most auto insurance complaints focus on claims, including unsatisfactory liquidations, delays, and denials. Another good savings strategy is to combine car insurance with another policy, such as homeowners or renters insurance.

The amount of car insurance you need depends on several factors, such as your state's minimum requirements, the value of the car, your financial circumstances, and more. Liberty Mutual offers a long list of insurance products, including auto, home, umbrella, life, pet, small business and identity theft insurance. However, according to the National Association of Insurance Commissioners (NAIC), GEICO received fewer customer complaints than the average.