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Best Car Insurance Companies for April 2022

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The majority of US drivers will need to get some form of car insurance, as all but two states (New Hampshire and Virginia) require residents to purchase a policy before getting behind the wheel. But beyond being legally required, adequate insurance coverage is essential to driving, as it protects you from incurring excess costs if you get in an accident.

The best company, policy and price for you depends on an array of factors, the vehicle you drive and the state you live in. The average annual premium for full coverage is $1,655, according to Bankrate, but depending on the amount of coverage you buy, you might find a cheaper rate.

To ensure that you’re getting the best rates and coverage, you’ll want to do an auto insurance review once in a while. Let’s dive in.

Best car insurance companies

The top-scoring auto insurance provider overall was Geico, reporting high customer satisfaction levels in all regions of the country. This insurance carrier is also ranked among the cheapest car insurance coverage providers (and a premium can be a huge expense). Its customers give it superior ratings for great service and support, along with some of the most reasonable insurance prices.

Geico’s clever commercials have made it one of the best-known car insurance companies in the country, and it ranks high in overall customer satisfaction and auto claims satisfaction, according to J.D. Power surveys. It receives fewer consumer complaints than other major insurers, and has the highest financial strength rating from AM Best. That is, if you need something besides the gecko to convince you.

Travelers Insurance

Travelers offers car insurance policies that you can customize based on your needs. Rather than upselling users, Travelers offers a host of resources (in the form of blog posts) designed to educate motorists prior to purchasing coverage. An informed customer is a happy customer.

Like most of the companies on this list, Travelers offers savings on insurance bundles, giving you up to 13% off home and car policies under the same roof. So, if you’re able to bundle your auto and homeowners or renters insurance, you can save a pretty penny. Travelers also offers discounts for safe driving, multicar policies, becoming a loyalty member, having hybrid and electric vehicles, paying on time, completing driver training programs and being a good student.

USAA

If we were judging solely on satisfaction, the United Services Automobile Association would take the top spot among our best list here. What affects the USAA’s ranking is that its scope is narrower than those of most other auto insurers, as the company only offers coverage to service members, veterans and their families. 

That said, USAA is one of the most cost-effective insurers out there, offering prices that even beat Geico’s. Customers who switch save an average of $725 a year. Also, if you bundle home and auto insurance (or renters and auto insurance), you can save up to 10%.

The Hartford

The Hartford is an insurance carrier offering superb coverage and excellent customer care, but it isn’t for all drivers. The Hartford’s car insurance plan is geared toward drivers over 50 years old who are members of the American Association of Retired Persons. 

AARP members get a plethora of benefits, including insurance discounts (up to 10% off your premium), lifetime car repair assurance, car replacement if you total your car, as well as “recover care,” which will pay up to $2,500 for transportation, cooking and cleaning if you’re injured in a car accident and can’t perform such tasks.

Founded in 1907 in Rhode Island, Amica is the oldest mutual car insurer in the US and completely owned by its policyholders. An excellent choice for New England residents, Amica has outstanding financial strength and high customer satisfaction scores, particularly when it comes to auto claims.

This insurer does it all, from flood, condo and life insurance to auto, home, retirement and small business coverage. It offers full coverage for an average premium of $1,351 per year, coming out below the $1,600-plus industry average for full coverage, according to Bankrate. This carrier doesn’t operate in Hawaii.

The best car insurance providers, compared

Company Best for Avg. annual premium for full coverage* J.D. Claims Satisfaction** A.M. Best Financial Strength Rating***
Geico Most drivers $1,405 881 A++
Travelers Lowest price for most drivers $1,325 871 A++
USAA Military perks $1,225 909 A++
The Hardford AARP rates and rewards $2,270 905 A++
Amica Highest customer satisfaction $1,351 895 A+

*Overall average annual premiums for full coverage are $1,655.

**Industry average is 880.

***A.M. Best financial strength rating scale runs from D (lowest) to A++ (highest).

FAQs

What’s the best car insurance?

Geico, Travelers, USAA, The Hartford and Amica are our top car insurance picks for most drivers. High customer satisfaction scores and competitive rates are among the reasons we picked these carriers, but they aren’t the only good options out there. It may be worth looking into other well-known insurance providers, like Allstate, State Farm and Progressive. While these carriers didn’t beat out our top picks, depending on where you live and the type of coverage you’re interested in, they may be good options. For example, while State Farm boasts high auto claims satisfaction scores, they also have more than four times the industry standard in consumer complaints, according to the National Association of Insurance Commissioners

Moreover, we’ve compiled additional lists based on different metrics. Read our best car insurance recommendations for cheapest car insurance, military members and teens and young drivers

Does the US state you live in matter when picking auto insurance?

Yes. When shopping for car insurance, you’ll notice that rates vary by region and that state laws dictate which coverage is required on your policy and what the minimum limits are, as well. There are plenty of good insurance companies that operate regionally or only in a select amount of states. 

For example, Erie Insurance and Auto-Owners Insurance are top-rated carriers with excellent rates, a low number of complaints and superb customer satisfaction, but they operate in fewer states than other major insurers. Auto-Owners offers coverage in only 26 states, while Erie offers it in just 12.

What kind of coverage does your state legally require you to have?

In most states, bodily injury liability coverage and property damage liability are necessary to drive, but you’ll want to check the specifics of insurance premiums with auto insurance providers where you live. An insurance agent can help guide you through this process so that you know exactly what coverage you may need.

How should you decide on coverage?

Most car insurance companies offer different policies that cover a variety of damages and risks, so your first step should be to determine your risks and how you can compensate for them.

If an accident occurs, car insurance policies generally offer bodily injury liability protection and property damage protection. 

From there, you may add other coverage types, like personal injury protection, uninsured motorist coverage or collision coverage. You can also choose to increase the dollar amount of coverage and include things like roadside assistance. Some auto insurance carriers offer comprehensive coverage, which will insure your vehicle from theft or from damage caused by other events, like fires.

“Having adequate auto insurance coverage is both smart and prudent to ensure you and your family are financially protected from a catastrophic loss,” said Mark Friedlander, director of corporate communications at the Insurance Information Institute. “Comparison shopping when seeking insurance coverage is time well spent as premiums could vary by hundreds of dollars between carriers depending on numerous factors.”

What kind of insurance coverage is there?

Coverage types may roughly be split into three categories: 1. Mandatory; 2. Often required; 3. Optional. Note that this list does not include all types of coverage offered by carriers — these are just the most common. 

Mandatory coverage:

Just about all states require the two types of coverage below, which do not cover damage to your own car or property.

  • Bodily injury liability protection: This coverage pays for injuries to others caused by the policyholder and other drivers listed on the policy.
  • Property damage liability protection:This coverage pays for damage that policyholders cause to another’s property. Most prominently, this is aimed at other cars, but it can also include other personal property like fences or mailboxes. 

Often required:

Many states also require these two types of coverage.

  • Personal injury protection: This coverage pays for the medical costs and lost wages of the driver and passengers of the policyholder’s car if injury occurs, up to the policy’s limits, regardless of fault.
  • Uninsured or underinsured motorist coverage: This coverage covers you up to the policy’s limits when an underinsured or uninsured motorist causes an accident. 

Optional coverage:

State-mandated insurance coverage is the minimal for driving, and typically it doesn’t include damage to your car, which requires additional coverage. If your car is financed, your lender may require you to carry full coverage, meaning both comprehensive and collision.

  • Collision coverage: This coverage pays for damage to your vehicle in an accident resulting from a collision between your car and another car or an object.
  • Comprehensive coverage: This coverage pays for damage to your car caused by an event other than collision. This includes theft, fire, flood, hail and vandalism.

What factors influence car insurance rates? Can you get discounts?

Auto insurance rates may ultimately be determined by personal factors, such as where you live, your driving record, your credit score and the type and age of vehicle you drive. However, insurance companies offer numerous discount options that you can take advantage of if you qualify. 

For example, you may lower your insurance coverage costs if you maintain a safe driving record or work on your credit score. Bundling your car insurance policy with life, homeowners or renters insurance is another great way to save money. Young drivers might save money on their higher premium costs by demonstrating good grades. 

Methodology

CNET reviews insurance carriers and products by exhaustively comparing them across set criteria developed for each category. For auto insurance, we examine average annual premium rates for full coverage, consumer complaints, collision repair scores, the carrier’s financial strength, auto claims satisfaction and overall customer satisfaction. Our data comes from a multitude of sources. 

Auto insurance rates come from Bankrate, which gathers data using Quadrant Information Services. We also use both J.D. Power annual surveys that collect data on customer auto claims satisfaction and overall customer satisfaction.

Consumer complaints are taken from the National Association of Insurance Commissioners (NAIC), which collects consumer complaints across states, indexing complaints on a scale that takes into account the industry average. We collect the financial strength rating of each carrier from the A.M. Best Rating. Lastly, we collected collision repair scores from the Crash Network Insurer Report Card, which collects data from collision repair professionals, including mechanics, to gauge the quality of collision claims service from insurance carriers.

More car insurance advice

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.



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Overwatch 2 Beta Begins Tomorrow: Start Time and What to Expect

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Overwatch 2 starts its second beta on Tuesday, June 28, for PC and console players. The beta begins at 2 p.m. ET/11 a.m. PT and runs through Monday, July 18. Sign-ups are still open for a chance to participate, and you can still get guaranteed access if you’re willing to spend some cash.  

The next beta will be our first look at Junker Queen, a new tank hero who first appeared in posters on the Junkertown map that was released in 2017. Fans have been hoping to play her ever since, and five years later, we’re finally getting the chance. The new beta also adds a new hybrid map, Paraiso. The developers have laid out their goals for the beta, which include testing server capacity and hero balance. 

Overwatch 2 is the sequel to Blizzard’s class-based shooter, featuring two teams of five players fighting over objectives. Overwatch devs announced in June that the game will be free to play and will launch in early access on Oct. 4. The first beta injected a frantic pace into the game, which was a welcome change from the slower, more grinding pacing that’s plagued Overwatch in recent years. The free-to-play PvP element will bring the game more in line with other competitive shooters, like Valorant and Apex Legends.

How to sign up for the Overwatch 2 beta

Anyone can sign up for Overwatch 2’s second beta, but it’s not technically an open beta. The game will add people gradually as it ramps up server capacity, and the first big wave of beta access will happen on July 5, according to the beta FAQ page. Even if you were in the previous beta, you’ll need to sign up again. 

Here’s how to sign up:

1. Go to the Overwatch 2 beta site.
2. In the top right corner, log in to your Blizzard Account.
3. At the bottom of the Overwatch 2 beta page, choose your platform (and region for PlayStation players).
4. Then hit Request Beta Access.

If you want guaranteed beta access on June 28, you can purchase the Watchpoint Pack ($40). In addition to beta access on day one, you’ll also get two legendary character skins, a unique player icon and enough digital currency to buy the first two battle passes.

How do I download the Overwatch 2 beta?

Blizzard hasn’t released details on downloading the second beta, but it should follow the same process as the first beta. Here’s how that worked:

1. Log in to your Battle.net account and navigate to Overwatch on the game launcher.

2. In the bottom left, click the Game Version drop-down.

3. Select Overwatch 2 Tech Beta to install.

4. When the download is complete, hit the blue Play button to start.

Junker Queen spinning her axe

Junker Queen’s ultimate ability helps her close distance and end fights quickly.


Blizzard

Junker Queen abilities

The new beta finally gives fans a chance to play as Junker Queen, a hero we’ve all been excited about and/or thirsting over since she was first teased on the Junkertown map. Here’s what we know about Junker Queen’s abilities, from the Overwatch Twitter account:

New Hybrid Map: Paraiso

The beta also adds Paraiso, a new hybrid map that explores Lucio’s home, including the DJ’s Clube Sinestesia. As with all hybrid maps, players will start by attacking or defending a control point, and if the attackers succeed, players will spend the rest of the map attacking or defending a payload. 

An underground club with light-up floor

Clube Sinestesia is where support hero Lucio found fame as a DJ.


Blizzard

For more Overwatch 2 news, check out everything we learned from the Overwatch 2 reveal event.



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Icebergify: How To Create an Iceberg of Your Most Listened to Spotify Artists

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Been on social media today? Seen those bizarre musical Icebergs floating around in your feed? You’re not alone. Screenshots like this have been doing the rounds today, particularly on Twitter. 

It’s all created via the magic of a website called Icebergify.

Using the data from your Spotify listening habits, Icebergify creates an Iceberg of your most listened to artists ranked by popularity. At the tip of the iceberg? Your favourite “mainstream” artists. Your Taylor Swifts, your Beyonces, your Drakes, etc. The further down you go, the more obscure it becomes. It looks a little like this…

If you want to see your own iceberg, you can head to the website directly. Be warned: it does require your Spotify log-in. 

The Icebergify website was developed by Akshay Raj, a freshman studying Computer & Data Science at Rice University. He says he has no plans to monetize the site or use the data collected — which is limited to your username, Spotify account ID and the top 50 tracks and artists listened to over the past few years. 

How does it work? It’s fairly simple. Icebergify takes your most listened to artists and sorts them according to popularity rankings. Streams, shares, saves, likes, and followers are all taken into account. This is why Beyonce might be at the top of your iceberg, but lesser known artists are at the bottom, beneath the ocean. Also worth noting: It seems like Icebergify is being flooded due to its surprising popularity. Head back later if it doesn’t immediately work.





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Apple’s First Mixed-Reality Headset May Sport New M2 Processor

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Apple’s first mixed-reality headset could come with the company’s flagship M2 processor, just one of the “deluge” of new products the company is expected to unveil in the next year, Bloomberg’s Mark Gurman reported Sunday.

The M2, unveiled in June, features redesigned central processing units and a significant memory increase, which would provide a significant boost to the much-rumored headset over the previous M1 chip.

The much-rumored headset incorporating both virtual and augmented reality environments is expected to provide a boon to the gaming industry. Apple analyst Ming-Chi Kuo said earlier week that the headset — expected to be announced in January 2023 — would be the most complicated product Apple has designed yet.

Apple CEO Tim Cook has been vocal about his excitement about AR. Earlier this week, he explained that the tech industry is still in the “very early innings” of this technology’s possibilities.

“I couldn’t be more excited about the opportunities we’ve seen in this space, and sort of stay tuned and you’ll see what we have to offer,” Cook told China Daily.

Other products Gurman expects to debut in the next 12 months include four iPhone 14 models, three Apple Watch variations, several Macs with M2 and M3 chips, iPads, updated AirPods Pro earbuds, a fresh HomePod, and an upgraded Apple TV. 

Apple didn’t immediately respond to a request for comment.

Read moreApple AR, VR Headset Rumors: WWDC, Release Rumors, M1 Chip and More



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