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Car insurance coverage can vary widely from one company to the next, and carrying only the bare minimum often leaves important gaps. Oftentimes, the right policy goes beyond state requirements by giving you extra options to help protect both your vehicle and your finances.<\/p>\n
To help you find the best car insurance coverage, Yahoo Finance analyzed 20 major insurers based on rates, the number of coverage types offered, and which add-ons were available. Below are the companies that rose to the top of our best car insurance coverage rankings.<\/p>\n
Note:<\/strong> Our top five reflect the highest overall scores in this best coverage analysis, though several companies were close. Progressive, Safeco, and Travelers each earned 3.8 stars and performed well across many of the same coverage categories.<\/p>\n American Family earned a perfect 5 out of 5 stars for car insurance coverage types. Its lineup covers nearly every major protection drivers might look for, including new car replacement, gap insurance, rideshare coverage, OEM and custom parts coverage, accident forgiveness, and a diminishing deductible. It even offers optional pet injury coverage, which isn\u2019t common among larger insurers.<\/p>\n Pros<\/strong><\/p>\n Offers the best add-on car insurance coverage based on our analysis<\/p>\n<\/li>\n Has affordable rates for full coverage<\/p>\n<\/li>\n Several discounts are available to lower rates even more<\/p>\n<\/li>\n<\/ul>\n Cons<\/strong><\/p>\n Average cost for full coverage car insurance:<\/strong> $151<\/p>\n<\/li>\n Availability:<\/strong> Regional (Mostly the West and Midwest)<\/p>\n<\/li>\n Crash Network grade for claims handling:<\/strong> C+<\/p>\n<\/li>\n Coverage offerings: <\/strong>11 options<\/p>\n<\/li>\n Available discounts:<\/strong> 17 types<\/p>\n<\/li>\n Digital experience score:<\/strong> 3.95 (out of 5)<\/p>\n<\/li>\n<\/ul>\n Learn more: <\/em>American Family auto insurance review<\/em><\/a><\/p>\n With 17 policy options, Farmers earns the second spot for best car insurance coverage. It offers more ways to customize a policy than most insurers we evaluated, including a usage-based insurance program (Signal) that can reduce your rates by up to 15% when you drive safely. Farmers also performed well on the digital front, with one of the highest-rated mobile apps in our analysis.<\/p>\n Pros<\/strong><\/p>\n One of the largest selections of coverage types in our analysis<\/p>\n<\/li>\n Highly rated mobile app with strong policy management tools<\/p>\n<\/li>\n Rates for full coverage are around the national average<\/p>\n<\/li>\n<\/ul>\n Cons<\/strong><\/p>\n Claims handling scores are below average<\/p>\n<\/li>\n No niche add-ons like mechanical breakdown, pet injury, or trip interruption coverage<\/p>\n<\/li>\n<\/ul>\n Average cost for full coverage car insurance:<\/strong> $182<\/p>\n<\/li>\n Availability:<\/strong> Nationwide<\/p>\n<\/li>\n Crash Network grade for claims handling:<\/strong> C-<\/p>\n<\/li>\n Coverage offerings: <\/strong>17 options<\/p>\n<\/li>\n Available discounts:<\/strong> 19 types<\/p>\n<\/li>\n Digital experience score:<\/strong> 4.75 (out of 5)<\/p>\n<\/li>\n<\/ul>\n Learn more: <\/em>Farmers auto insurance review<\/em><\/a><\/p>\n Allstate offers a wide range of coverage add-ons that make it easy to build a highly customized policy. Beyond standard options, it includes unique protections like coverage for accidental damage to paint, tires, wheels, and interior fabric. Allstate also ranked well in our study for having affordable full coverage car insurance rates.<\/p>\n Pros<\/strong><\/p>\n Broad selection of optional coverage add-ons for customization<\/p>\n<\/li>\n Several discount opportunities for safe driving and bundling<\/p>\n<\/li>\n Excellent NAIC complaint ratios, which indicate fewer customer complaints<\/p>\n<\/li>\n<\/ul>\n Cons<\/strong><\/p>\n No mechanical breakdown, OEM, or pet injury coverage<\/p>\n<\/li>\n Claims handling and customer satisfaction scores are mixed compared to competitors<\/p>\n<\/li>\n<\/ul>\n Average cost for full coverage car insurance:<\/strong> $180<\/p>\n<\/li>\n Availability:<\/strong> Nationwide<\/p>\n<\/li>\n Crash Network grade for claims handling:<\/strong> D<\/p>\n<\/li>\n Coverage offerings: <\/strong>15 options<\/p>\n<\/li>\n Available discounts:<\/strong> 12 types<\/p>\n<\/li>\n Digital experience score:<\/strong> 4.4 (out of 5)<\/p>\n<\/li>\n<\/ul>\n Learn more: <\/em>Allstate car insurance review<\/em><\/a><\/p>\n Liberty Mutual is a nationwide insurer with nearly 20 coverage options. Some of its more unique options include teacher\u2019s car insurance, Mexico car insurance if you\u2019re driving cross-border, and better car replacement coverage that\u2019ll replace your total vehicle with a newer model. You\u2019ll also find discounts for military members and students with good grades.<\/p>\n Pros<\/strong><\/p>\n One of the largest selections of coverage types<\/p>\n<\/li>\n Offers unique add-ons, like better car replacement coverage<\/p>\n<\/li>\n Deductible Fund can help reduce your collision deductible over time<\/p>\n<\/li>\n<\/ul>\n Cons<\/strong><\/p>\n Full coverage rates are slightly higher than average<\/p>\n<\/li>\n No mechanical breakdown, pet injury, or trip interruption add-ons<\/p>\n<\/li>\n<\/ul>\n Average cost for full coverage car insurance:<\/strong> $216<\/p>\n<\/li>\n Availability:<\/strong> Nationwide<\/p>\n<\/li>\n Crash Network grade for claims handling:<\/strong> D+<\/p>\n<\/li>\n Coverage offerings: <\/strong>19 options<\/p>\n<\/li>\n Available discounts:<\/strong> 13 types<\/p>\n<\/li>\n Digital experience score:<\/strong> 4.7 (out of 5)<\/p>\n<\/li>\n<\/ul>\n Learn more: <\/em>Liberty Mutual car insurance review<\/em><\/a><\/p>\n The Hartford rounds out our list of best car insurance companies for coverage types. In addition to popular add-ons like accident forgiveness and diminishing deductibles, you\u2019ll find RecoverCare coverage, which will reimburse for house cleaning and other home services if you\u2019re unable to perform them after an accident. The Hartford also scored at the top of our analysis for the best teen car insurance<\/a> and best senior car insurance companies<\/a>.<\/p>\n Pros<\/strong><\/p>\n Unique coverages include RecoverCare for home services<\/p>\n<\/li>\n Rates for full coverage tend to be below average<\/p>\n<\/li>\n Has add-ons like accident forgiveness, diminishing deductible, and new car replacement<\/p>\n<\/li>\n<\/ul>\n Cons<\/strong><\/p>\n No rideshare, OEM, trip interruption, or pet injury coverage<\/p>\n<\/li>\n Need to be an AARP member to unlock the most savings<\/p>\n<\/li>\n<\/ul>\n Average cost for full coverage car insurance:<\/strong> $153<\/p>\n<\/li>\n Availability:<\/strong> Nationwide<\/p>\n<\/li>\n Crash Network grade for claims handling:<\/strong> C+<\/p>\n<\/li>\n Coverage offerings: <\/strong>13 options<\/p>\n<\/li>\n Available discounts:<\/strong> 11 types<\/p>\n<\/li>\n Digital experience score:<\/strong> 4.7 (out of 5)<\/p>\n<\/li>\n<\/ul>\n Learn more: <\/em>The Hartford auto insurance review<\/em><\/a><\/p>\n We evaluated 20 major insurance companies to determine which offered the best coverage for your needs. The top spot went to American Family, which earned 5 stars (out of 5). The runner-up was Farmers (4.4 stars), followed by Allstate (4.2 stars), Liberty Mutual (3.9 stars), and The Hartford (3.9 stars). Progressive<\/a>, Safeco<\/a>, and Travelers<\/a> were just outside of the top five with a solid 3.8-star rating.<\/p>\n See the star ratings for all the insurers we analyzed for the best full coverage car insurance below.<\/p>\n Learn more: <\/em>Best car insurance coverage<\/em><\/a><\/p>\n If you\u2019re in search of the best car insurance coverage, you probably want more than just your state\u2019s minimum requirements<\/a>. Many of the best policies start with the basics \u2014 liability<\/a>, collision<\/a>, comprehensiv<\/a>e, and any state-mandated medical coverage, like medpay<\/a> and personal injury protection<\/a>. But what really separates the top companies is the availability of add-ons.<\/p>\n Depending on the provider, these car insurance add-ons could include:<\/p>\n Diminishing deductible<\/p>\n<\/li>\n Accident forgiveness<\/p>\n<\/li>\n New car replacement coverage<\/p>\n<\/li>\n Gap insurance<\/p>\n<\/li>\n Roadside assistance<\/p>\n<\/li>\n Trip interruption coverage<\/p>\n<\/li>\n Rideshare coverage<\/p>\n<\/li>\n OEM parts coverage<\/p>\n<\/li>\n Custom parts coverage<\/p>\n<\/li>\n Pet injury coverage<\/p>\n<\/li>\n Full glass coverage<\/p>\n<\/li>\n Mechanical breakdown coverage<\/p>\n<\/li>\n Mexico car insurance<\/p>\n<\/li>\n Custom equipment coverage<\/p>\n<\/li>\n Rental car reimbursement coverage<\/p>\n<\/li>\n Classic car insurance<\/p>\n<\/li>\n<\/ul>\n Learn more: <\/em>Most common types of car insurance explained<\/em><\/a><\/p>\n Because auto insurance costs vary by insurer, you have to comparison shop to find the lowest rates. Many of the companies in our top five tend to have full coverage policies at or below the national average.<\/p>\n Learn more: <\/em>Cheapest full coverage car insurance<\/em><\/a><\/p>\n Anytime you get a car insurance quote, you may find that rates vary widely, even if you enter the same information for each one. That\u2019s because each company weighs risk factors in its own way.<\/p>\n For instance, some insurers prioritize driving history and mileage. Others put more weight on credit-based insurance scores or vehicle type. Coverage choices (including limits and deductibles) also play a major role in what you\u2019ll pay.<\/p>\n Here are the most common factors insurers use when calculating rates:<\/p>\n Learn more: <\/em>Car insurance rates are climbing. Here are 4 reasons why and 11 ways to save<\/em><\/a>.<\/em><\/p>\n Here are tips for finding the best auto insurance coverage \u2014 because it\u2019s usually not the best idea to simply choose the cheapest quote or add every optional feature available.<\/p>\n Some insurance companies have upwards of 20 coverage options to add to your policy. But you probably don\u2019t need all of them.<\/p>\n Start by thinking about what you\u2019re actually trying to protect. If you drive a newer vehicle or still have a loan, you may opt for collision, comprehensive, and gap insurance. If you don\u2019t want your rate to hike up after one accident, accident forgiveness<\/a> may be important to you. The same goes for higher liability limits. If you\u2019ve accumulated a lot in savings, investments, or if you own a home, state minimums may not fully protect your assets after a serious accident.<\/p>\n Learn more: <\/em>How much car insurance coverage do I need?<\/em><\/a><\/p>\n Once you know which coverage types and limits you want, shop around with at least three companies to see who is offering what you want at a price you can afford. Comparing car insurance quotes<\/a> is the best way to find the lowest rates.<\/p>\n Discounts can help offset the cost of stronger coverage. Some discounts are automatically applied as you fill out a quote form, but others you have to ask about. For example, you usually have to speak to an agent to get a good student discount or student away discount. Asking an agent if you\u2019re eligible for discounts not already applied can help you find more ways to reduce your auto insurance premium.<\/p>\n Learn more: <\/em>Car insurance discounts: 17 ways to save<\/em><\/a><\/p>\n Revisit your coverage at least once a year. As your vehicle ages, your commute changes, or your financial situation shifts, your coverage needs may change too. You may find yourself comparing quotes again or switching car insurance companies<\/a> if it makes sense.<\/p>\n Learn more: <\/em>Does buying car insurance online save you money<\/em><\/a>?<\/em><\/p>\n \u201cFull coverage\u201d car insurance<\/a> typically refers to a policy that includes liability insurance plus collision and comprehensive coverage. Liability pays for injuries or damage you cause others, while collision and comprehensive protect your own vehicle from accidents, theft<\/a>, weather damage, and other non-collision events.<\/p>\n Insurers like American Family, Farmers, Allstate, Liberty Mutual, and The Hartford offer some of the broadest menus of coverage options and add-ons. These companies tend to stand out for drivers who want more customization options, including accident forgiveness, diminishing deductibles, roadside assistance<\/a>, and specialty coverage.<\/p>\n Not necessarily. The best car insurance coverage is the amount that protects you from financial loss you couldn\u2019t easily absorb on your own. While higher liability limits and add-ons will theoretically protect you more financially, paying for coverage you don\u2019t need can raise costs without adding meaningful benefit.<\/p>\n A good rule of thumb is to carry liability limits that would protect your savings, income, and property if you caused a serious accident. Reviewing your policy with an agent can help identify gaps.<\/p>\nAmerican Family pros and cons<\/h3>\n
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Farmers pros and cons<\/h3>\n
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Allstate pros and cons<\/h3>\n
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Liberty Mutual pros and cons<\/h3>\n
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The Hartford pros and cons<\/h3>\n
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