What’s the best car insurance, according to Reddit?
Reddit users, also known as Redditors, have plenty of opinions when it comes to the best car insurance company. No company emerges as the unanimous No. 1 favorite, though certain companies receive more mentions than others. Below are a few companies that earn multiple endorsements on Reddit threads.
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Based on 3,806+ reviews
4.8/5
USAA
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This Redditor praises USAA for promptly handling a dangerous situation on some snowy roads. Many other customers are satisfied with USAA, which helped the company earn a customer satisfaction score of 890 out of 1,000 points in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study, which is above average.[1] Drivers should note that USAA is only available to active or retired U.S. military members and their families.
Erie Auto
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Several longtime Erie Auto customers chimed in with positive experiences. Auto insurance companies often raise rates over time, and not all offer loyalty discounts for sticking with them. So it’s worth noting that these loyal customers saw relatively consistent rates.
This poster echoed the positive sentiments, describing a very smooth claims process:
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State Farm
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State Farm is the largest car insurance company in the country by market share, serving drivers in all 50 states.[2] A few Redditors mention positive experiences with State Farm, even if the rates aren’t as low as they’d like. The above commenter didn’t buy a policy that includes rental car coverage, though the company does offer this additional option.
Many customers, like the Reddit user above, purchase auto insurance and home insurance from State Farm. State Farm’s home and auto bundle discount could save new policyholders an average of $1,127, according to its website.
Smaller insurers
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Reddit users have positive opinions about smaller insurers, too. The customer above puts up with slightly higher car insurance rates in exchange for a boutique, customer-friendly experience with American National.
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A commenter with experience in the automotive business also believes a smaller, regional insurer is the best option for most drivers. The commenter questions large insurers’ claims processes and shouts out USAA and Erie as great options, as well as GEICO if you’re looking for a larger insurer.
“Keep in mind user-generated insurance reviews may skew toward complaints and not fairly represent a company’s offerings and typical customer service,” warns financial expert Laura D. Adams. “If you see similar complaints across websites like Reddit, Facebook, Yelp, and the Better Business Bureau, those could be warning signs to watch out for.”
Reddit isn’t the only option when seeking out the best coverage.
“For objective ratings of insurers, A.M. Best, Fitch, KBRA, Moody’s, and [S&P] are independent agencies that publish data according to their own standards and rating scales that you can find online,” says Adams.
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