If you are looking for car insurance then you should first review the list of car insurance companies each country has to offer. For instance, the top three companies of USA are State Farm, USAA and GEICO, Australia has Australian seniors, AWN and AAMI, Canada has The cooperators, Aviva and Intact while UK has John Lewis, LV and Aviva as the best.
Different Car Insurance Companies
The car insurance companies are unlimited present in almost every country varying in their yearly prices. Some of them are best but not cheap while others maybe cheap but not best. Therefore to know and explore that How much is car insurance? you should survey all the best and worst companies of the country you live in.
Car Insurance Companies in USA
There are several insurance companies in the USA offering save insurance for your valuable asset i.e. car. Some of them are best according to the coverage they offer, others are known for their cheap rates while few are famous due to excellent customer services they offer.
1. STATE FARM:
State farm has the greatest market share in the USA. This company offers almost all the types of coverage and has the cheapest full coverage car insurance and because of having a large network of workers it is also known for the personalized or customized services.
Reputable for: Best for versatility
Discounts: It also offers several auto insurance discounts on the following conditions:
- Driving safe and save for quite sometime.
- Young driver with clean driving history for three years.
- Teen drivers getting good grades
- Bundling up the car insurance with home insurance
2. GEICO:
This company is basically the cheapest car insurance company in the whole nation. It is really known for the unlimited discount offers for even for the drivers having high risk history, also providing affordable rates for all types of coverage also including car insurance for young drivers.
Famous for: Best for in-expensive rates
Benefits: GEICO provides an easy processing ingenious online application and also loads of discounts on:
- Safe driving
- Military family
- Being loyal to the company
- Bundling of policy
- Having a safety device
3. PROGRESSIVE:
The progressive car insurance company has launched the ‘usage based insurance’, a long time ago with their feature called ‘Snapshot’. This insurance is the setting up of rate according to the true driving of your i.e. how much you drive and how you drive. It is one of the tons of car insurance policy provided by the progressive.
Renowned for: Best for variety of coverage
Unique Features:
- The snapshot program is basically installation of a snap device into your car so that it can track your driving style and will be a good proof for getting safe drive discount
- Another feature is the ‘Name your price tool’, with the help of it you can tell the agents how much you can afford to pay and according to that the insurer will offer you the best coverage.
4. USAA:
USAA has the cheapest car insurance rates and the top best customer reviews in the industry. The only specification is that it provides military car insurance policy which means your family should have a present or former military member or you are related to any military family.
Popularity: Best for military and teen drivers
Advantages: Aside from providing splendid customer services, it also has flexible payment schedules, online claim reviewing process, and it also has car insurance policy for new drivers too which is really helpful for your teens.
5. ALLSTATE:
According to the survey Allstate is among the affordable car insurance companies. There are a lot of coverage available by this company. Not only that you can also personalize your coverage according to your will.
Benefits: There are several benefits accessible for you and also variable discounts are available to save your expenses:
- Drivewise app to track safe drive
- Insurance for teens
- Rideshare policy
- Discount for new car
- Smart student savings
- Multiple policies discount
| Company Name | Average Annual Rate | Market Share | Ratings |
|---|---|---|---|
| State Farm | $1,236 | 16.12% | 4/5  |
| GECIO | $1,170 | 13.76% | 3.96/5 |
| Progressive | $1,370 | 12.24% | 3.76/5 |
| USAA | $880 | 6.01% | 5/5 |
| Travelers | $1,268 | 1.94% | 4/5 |
| Allstate | $1,879 | 9.33% | 4.5/5 |
| Liberty Mutual | $1,820 | 4.62% | 2.5/5 |
| Farmers | $1,680 | 4.16% | 4/5 |
| Nationwide | $1,865 | 2.47% | 3.5/5 |
| American Family | $1,390 | 2.28% | 2.7/5 |
| Erie | $990 | 1.34% | 3.5/5 |
| Auto-owners | $1,380 | 1.28% | 2.4/5 |
| Metlife | $1,710 | 13.4% | 3.6/5 |
| Farm Bureau Mutual | $980 | 0.25% | 2.3/5 |
| Amica | $1,352 | 0.5% | 3.3/5 |
| The Hanover | $1,500 | 10.17% | 3.5/5 |
| AAA Auto Insurance | $1,560 | 1.38% | 3.9/5 |
| The Hartford | $1,005 | 1.07% | 3.6/5 |
| NJM Insurance | $1,301 | 13.3% | 3.6/5 |
| Esurance | $1,295 | 9% | 4.3/5 |
Motor Insurance Companies in UK
Driving in UK or not you would legally have to have the motor insurance if you own a car. And for your ease, here are some of the best UK’s car insurance companies:
1. JOHN LEWIS FINANCE:
The John Lewis Finance and Partner has managed to get to the top of the list of UK’s best companies by handling and dealing with the customer problems most accurately.
Well known for: Best customer services in UK
Extra Coverage: It offers the usual car insurance policy such as courtesy car service, roadside assistance, protection from uninsured driver, etc and also:
- Protecting legally from a road accident
- Will help you protect your discount even if you haven’t claimed for four years or less
- Also cover you for 90 days each year in Europe as long as you have the green card
- You can always contact with one of the agent through UK call center
2. LIVERPOOL VICTORIA INSURANCE:
It is now commonly known as ‘LV car insurance’ and is among the best and trustworthy companies in UK. It is the second on the list of companies offering the best customer services. LV only offers two types of car insurance coverage which are third party, fire & theft and fully comprehensive coverage.
Reason to Choose: Apart from the fact that it offers best customer services, following are some other benefits which can be availed from this company:
- One policy can cover almost 6 cars and 12 drivers
- Optional coverage is available such as car seat replacement, lock and key replacement, flat tire coverage from specific garages
- Also it offers discount for members of GMB union
3. AVIVA:
Aviva is not only the largest in this country but is also one of the largest in the Europe too. They give you the advantage to compare almost all companies in UK through their car insurance comparison services and to get the car insurance according to your conditions.
Coverage: Getting insurance with Aviva would be quite considering due to the fact that it offers following coverage:
- Fully comprehensive
- Third party, fire and theft
- Multi car insurance
- Learner car insurance
- Classic car insurance
- Flat tire insurance
- Van, motor-home and caravan insurance
- Rental car insurance and much more.
4. DIRECT LINE:
It is renowned that you would be stress free if you have direct line car insurance. It also offers cheap full coverage car insurance in UK. This company believes on the fact that if you are driving less then you should pay less because saving you money is their priority. Therefore you can always ask for the money back for the distance you haven’t covered. Also it offers following discounts:
- No claim discount
- Discount on insuring multiple cars
- Safe driver discount
- First year discount for drivers with full license.
5. SAGA
The fifth ranking car insurance company offering over 50’s car insurance is Saga. Another plus point is that it provides high quality coverage at a very competitive price. Saga offers two types of coverage, namely Saga car and Saga essentials cover level which include all of the policies offered by other insurances as well. The only extinguishing feature is that:
- It provides a policy of ‘Car insurance with 3 years fixed price’ which means that if in the time period of three years nothing changes than your price will also be constant, there will be no renewal price.
| Name of the Company | Average Yearly Rate | Market Share | Ratings |
|---|---|---|---|
| John Lewis | £784 | 2,700 | 5/5 |
| LV | £1,843 | 2,661 | 4.0/5 |
| Aviva | £624 | 2,763 | 5/5 |
| Direct Line | £614 | 3,189 | 4.5/5 |
| Churchill | £777 | 1,958 | 4.0/5 |
| Saga | £1,008 | 1,390 | 5/5 |
| Diamond | £840 | 1,211 | 3.2/5 |
| Admiral | £1,291 | 3,480 | 4.0/5 |
| More Than | £1,403 | 534 | 4.2/5 |
| Hastings | £836 | 2,397 | 4.0/5 |
| Quote Me Happy | £800 | 650 | 3.4/5 |
| Age UK | £989 | 510 | 3.5/5 |
| RIAS | £405 | 661 | 4.0/5 |
| Sheila’s Wheels | £1,309 | 476 | 4.0/5 |
| Elephant | £830 | 505 | 3.5/5 |
| eSure | £1,310 | 1,289 | 3.7/5 |
| Privilege | £691 | 530 | 3.6/5 |
| RAC | £842 | 742 | 2.6/5 |
Auto Insurance Companies in Australia:
Unlike other countries, the market for car insurance in Australia is highly competitive due to which you might get difficulty in choosing the policy. Most of the time people consider the rates but there is much more to consider than that. Let’s have a look at some of the top car insurance companies:
1. AUSTRALIAN SENIORS:
Formerly known as ‘Seniors’, are there in the market to boost up your confident on the road, and they also believe that each and every driver is different. And to cover that up they offer more versatile coverage options so that you can find your perfect fit.
Customize Coverage: The seniors offer 20% discount if you apply online for following four types of policy for you to fit in:
- Comprehensive policy
- Third party property damage
- Third party, fire and theft
- Pay as you drive
Also there is another option to customize the comprehensive coverage according to your own choice.
2. AUSTRALIAN WARRANTY NETWORK:
The AWN ranked second in the car insurance company as they rate 4.7 in transparency, money and also customer services. This company is also well known for it’s breakdown coverage for almost all types of vehicle including motor-homes, caravans, scooters, bikes, and cars. This coverage has a huge impact on your finance when you undergo some sort of unexpected and really expensive damage.
3. YOUi:
The Youi company is famous for it’s friendly, informative and highly educated staff which makes it easy for you to blend in and get as much information as you need according to your conditions.
Profits: This company is among the top rated companies in Australia and offers the following benefits to their customers:
- Flexibile coverage for the drivers over the age of 25
- Offers 20% discount on bundling up the car insurance with contents insurance
- Towing assistance
- 24/7 services for claim
- Car replacement within 2 years
- Rental car insurance
4. BUDGET DIRECT:
Budget direct is also the cheapest car insurance for offering fully comprehensive coverage in this country. It also offers a big discount of 15% on the first year’s premium when registered online. This company gives you the piece of mind by providing policies that are easy to acknowledge. You can also customize you coverage by adding more than one extra features.
5. ERIC INSURANCE:
This company has more than 21 years of experience in auto insurance market and is well known for the best car insurance online. It offers comprehensive car insurance along with the vehicle warranty and tyre insurance. This coverage can cover liability, car replacement, theft of car, damage to the car or property, important repairing, etc. But you would be only allowed to avail these benefits if:
- Licensed driver as there is no car insurance without the license
- Vehicle not damaged before hand
- Car not older than 20 years, etc.
| Name of the Company | Average Full Coverage Rates | Ratings |
|---|---|---|
| Australian Seniors | $1,089 | 4.8/5 |
| AAMI | $1,052 | 4.6/5 |
| Australian Warranty Network | $1,009 | 4.4/5 |
| Youi | $1,253 | 4.1/5 |
| Budget Direct | $684 | 3.8/5 |
| NRMA | $1,740 | 1.8/5 |
| Eric | $540 | 3.3/5 |
| Real | $1,183 | 3.2/5 |
| Huddle | $1,222 | 3.2/5 |
| Woolworths | $1,200 | 2.6/5 |
| Suncorp | $1,190 | 2.3/5 |
| Bingle | $682 | 2.0/5 |
| Virgin Money | $702 | 4.5/5 |
| GIO | $1,243 | 2.3/5 |
| RAC | $845 | 2.6/5 |
| Coles | $1,048 | 1.5/5 |
| RACV | $1,317 | 2.0/5 |
| QBE | $3,015 | 3.5/5 |
| CGU | $1,637 | 1.7/5 |
| Suncorp | $1,191 | 3.0/5 |
Motor Vehicle Car Insurance in Canada:
In Canada it does not matter if you own a car or not, you would have to have to motor insurance even if you lease or finance the car. Because driving on the roads of Canada means legally having car insurance. Following are some of the best and worst companies:
1. CO-OPERATORS INSURANCE:
Best for: well known and established company
This company had crawled its way to the top of the most trusted insurance companies in the Canada. It offers all types of coverage including liability, collision, comprehensive, direct compensation property damage (dcpd), etc.
Other than that it also provides ‘All Perils’ coverage which is the most complete policy offering to you the loss or damage cover to your car or your property, also protect from theft, hails, fire, storms, animal attack and other disasters. In short it is the combination of collision and comprehensive coverage.
2. DESJARDINS:
This is the third largest insurance company of this country and also claims 95% satisfactory rate.
Known for: Various discount opportunities
Discounts: It is one of the major attractive characteristic of the Desjardins company as they offer variety of discounts to please their customers:
- 10% discount if you’re under 25 and a student
- Bundle insurance
- Save 5% for winter tires
- Multi car discount
- Loyalty discount for 3 or more year members
- Electric vehicle discount
- Savings on hybrid vehicle
3. BELAIRDIRECT:
The Belairdirect is one of the worth considering auto insurance company with around 1 million customers.
Famous for: easy online tools
Advantages: The foremost advantage is it’s best feature i.e. the use of easy online app which helps you to manage your coverage and also to track your claims.
Other than that it also offers you peace of mind by not worrying about visiting the company. The coverage offered by it are liability, accident benefit, direct compensation, flat tire assistance, collision, etc.
Most importantly for the optional coverage it provides accident forgiveness policy which helps you keep your record clean for your first at fault accident and auto-comfort which covers for you when you accidentally damage the rental car anywhere in Canada.
4. NATIONAL BANK:
National bank can get you a quote for up to 2 cars and 3 drivers maximum. There is also a Drive Savvy program for you to track your drive and get a discount of 10% from this company. It also offers coverage for maximum protection, insurance tailored to your needs, and also basic needs.Additional options include:
- Travel expenses
- Autocomfort
- Car replacement
- Rented car insurance
- Personal insurance
- Accident forgiveness
- Roadside assistance
5. INTACT INSURANCE:
Accountable for: Wide range of options
This popularity could be the best option for it to be unique among the others. Intact insurance offers the following options:
- Collision and upset cover
- Comprehensive cover
- All perils including both of them
- Minor conviction problem
- My driving discount program
- Certified repair shops
- 24 hours a day and 7 days a week customer services
| Company Name | Average Premium | Market Share | Ratings |
|---|---|---|---|
| The Cooperators | $1,805 | 5.76% | 4.0/5 |
| Aviva | $738 | 8.35% | 4.5/5 |
| Intact | $720 | 15.08% | 3.1/5 |
| Desjardins | $696 | 8.5% | 3.5/5 |
| Belairdirect | $720 | 1.42% | 4.0/5 |
| National Bank | $1,092 | 3.52% | 3.1/5 |
| Alberta | $1,320 | 0.5% | 3.0/5 |
| Economical | $1,068 | 3.86% | 4.4/5 |
| Grey Power | $2,400 | 3.33% | 5.0/5 |
| Unica | $2,028 | 1.2% | 2.1/5 |
| Lombard Canada | $2,100 | 2.0% | 4.0/5 |
| SSQ insurance | $1,524 | 2.3% | 1.3/5 |
| Manitoba Public | $2,100 | 0.9% | 1.9/5 |
| Industrial Alliance | $1,860 | 0.44% | 2.0/5 |
| Western Assurance | $1,800 | 1.33% | 1.8/5 |
| Wawanesa | $720 | 5.69% | 1.6/5 |
| La Capitale | $1,428 | 0.89% | 2.0/5 |
| Canadian Direct | $1,500 | 1.0% | 2.6/5 |
| BCAA group | $2,400 | 1.32% | 1.5/5 |
| Promutuel | $2,160 | 0.34% | 1.0/5 |
Summary:
Summarizing all this up, before choosing the company you should review everything you can about that company because not everything is perfect. The best car insurance company of the specific country are:
Australia: The Australian Seniors
USA: State Farm
UK: John Lewis Insurance
Canada: The Co-operators
Frequently Asked Questions
Who has the cheapest car insurance for seniors?
GEICO has the cheapest car insurance rates for the seniors on almost all ZIP codes. It is popular because of the phrase ‘15 minutes can save you 15% or more on car insurance’. It also provides the tips for safe drivings to those over the age of 50.
Who has the best earthquake insurance?
This type of insurance can be worth considering in case your residence is in the high risk area. Following are the five best companies for this insurance:
- California Earthquake authority
- State Farm group
- Zurich Insurance group
- Chubb Ltd. group
- American International group
Who is the best home insurance company?
The top 5 best home insurance companies from the USA are:
- Amica Mutual
- Allstate
- Metlife
- Geico
- USAA
Conclusion
After reviewing the list of car insurance companies in four above mentioned countries, it would be easier for you to decide about what type of car insurance you want? Every country has it’s own best such as Australia’ best is The seniors with 4.8 ratings, Canada’s best is The cooperators with 4.0 ratings, USA has State Farm as the best with 4.0 ratings too whereas UK’s top most is John Lewis with full 5 star rating.