10 Best Comprehensive Auto Insurance Companies in 2024

The winners for the best comprehensive auto insurance companies are State Farm, Geico, and Progressive. Taking the lead, State Farm offers comprehensive auto insurance priced at $100/mo.

We’ve done the work for you of collecting data on the best comprehensive insurance providrrs. Take a look at other insurance companies offering the best comprehensive auto insurance below.

Our Top 10 Picks: Best Comprehensive Auto Insurance Companies

Comprehensive coverage is considered an add-on since most states only require liability coverage. Shopping around and comparing quotes from the best auto insurance companies can help you find the lowest rates.

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#1 – State Farm: Top Pick Overall

Pros

• Extensive Network of Agents: State Farm customers can easily connect with their local agent, who’ll ensure that they receive coverage that aligns with their needs and budget.
• Many Coverage Options: State Farm has additional coverages such as uninsured/underinsured motorist, medical payments, rental reimbursement, and more.
• Strong Financial Stability: State Farm consistently receives high ratings from rating agencies, such as A.M. Best (A++) and Standard & Poor’s (AA). Learn more in our State Farm auto insurance review.

Cons

• Higher Premiums: While State Farm’s wide range of coverages provides enhanced protection, they may result in slightly higher premiums compared to insurers that have more limited options.
• Few Digital Resources: State Farm digital options may be more limited compared to some competitors, but customers can still access basic services through the website and mobile app.
  

#2 – Geico: Streamlined Claims Process

Pros

• Competitive Rates and Discounts: Geico’s premiums are often lower than those offered by other comprehensive insurance providers. Discounts can also help you save even more on comprehensive coverage.
• Convenient Online Tools: Geico’s user-friendly website and mobile app allow policyholders to file claims quickly and easily, upload documents and photos, and track claim status.
• Strong Financial Ratings: Geico consistently earns the highest A++ rating for financial strength from A.M. Best, a respected rating agency. Learn more in our Geico auto insurance review.

Cons

• Limited Agent Support: While Geico does have a small number of local agents across the country, some policyholders may have limited access to face-to-face agent support in their local area.
• Poor Claims Handling: Some customers have expressed dissatisfaction with the length of time it takes for Geico to process their insurance claims.

#3 – Progressive: Discounts on Comprehensive Coverage

Pros

• Progressive Snapshot: Their innovative usage-based insurance program can help safe drivers save on comprehensive auto insurance coverage. Read more in our Progressive Snapshot review.
• Easy-to-Use Online Resources: Progressive has a user-friendly app and website that makes checking policy details and making changes easy.
• Variety of Discounts: Progressive’s wide range of auto insurance discounts provide opportunities for savings on comprehensive coverage.

Cons

• Mixed Customer Service Reviews: Some customers report dissatisfaction with Progressive’s customer service, specifically about claim denials, undervaluation of damages, or lengthy delays in claim payouts.
• Expensive if High Risk: At-fault accidents, speeding tickets, DUI convictions, or citations for reckless driving may result in higher premiums. Learn more in our Progressive auto insurance review.

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#4 – Allstate: Intuitive Mobile App

Pros

• Extensive Coverage Options: In addition to comprehensive insurance, Allstate provides a diverse range of other types of car insurance to meet the varying needs of drivers (e.g., roadside assistance).
• User-Friendly Mobile App: Allstate’s mobile app offers a range of features that can streamline policy management and simplify the claims filing process for policyholders.
• Wide Range of Discounts: Allstate offers plenty of discounts to help drivers save on comprehensive coverage. Learn more in our Allstate auto insurance review.

Cons

• Can Be Expensive: Allstate’s average premiums tend to be higher compared to other providers, especially for teens, but even for drivers with good driving records.
• Mixed Customer Reviews: Some customers report difficulties in filing a claim, slow response times from claims representatives, and disputes over claim settlements.

#5 – Amica: Highly Rated for Customer Service

Pros

• Exceptional Customer Service: Customers consistently praise Amica’s prompt communication, whether it’s answering questions about policies and coverage options or assisting with claims.
• Generous Dividend Policy: Amica’s dividend policy, which involves distributing a portion of its annual profits back to its policyholders in the form of dividends, is a unique feature that sets it apart from many insurers.
• Personalized Coverage: Amica’s insurance agents take the time to understand the policyholder’s individual circumstances and customize policies to address specific requirements. Learn more in our Amica auto insurance review.

Cons

• Not Available in Hawaii: Amica offers comprehensive coverage in 49 U.S. states, except for Hawaii.
• Expensive for Some Drivers: Amica has relatively high rates for teen drivers, which could prompt these young drivers to explore alternative insurance providers for comprehensive coverage.

#6 – Nationwide: Great Reward Programs

Pros

• Multiple Coverage Options: Aside from comprehensive coverage, Nationwide has a good selection of other options, including vanishing deductible and accident forgiveness. Learn more in our Nationwide auto insurance review.
• Member Savings Programs: Nationwide offers multi-policy, safe driver, or accident-free discount and ‘On Your Side® Rewards’ program to provide added value and savings to its policyholders.
• Nationwide SmartRide: This usage-based program helps safe drivers to save on their comprehensive auto insurance coverage. Learn more in our Nationwide SmartRide app review.

Cons

• Mixed Customer Reviews: Some Nationwide customers have encountered issues with claims processing and long wait times to speak with a representative.
• Not Present in Every State: Nationwide doesn’t offer comprehensive auto insurance coverage in three states — Alaska, Louisiana, and Massachusetts.

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#7 – Liberty Mutual: Available in All States

Pros

• Customizable Coverage Options: You can choose from various coverage types, including liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, and personal injury protection (PIP).
• Multi-Policy Discounts: By bundling home and auto insurance, policyholders can often access discounted premiums compared to purchasing separate policies.
• Nationwide Availability: Liberty Mutual offers comprehensive auto insurance policies in all 50 U.S. states, including the District of Columbia (Read more: Liberty Mutual Auto Insurance Review).

Cons

• Premium Pricing: Liberty Mutual has some of the highest rates for comprehensive coverage, averaging $186/mo.
• Customer Service Experience: Some customers have reported issues with aspects of their customer service, particularly regarding claims processing and billing.

#8 – Farmers: Great Add-Ons

Pros

• Number of Add-ons: Farmers offers a long list of optional coverage choices, including comprehensive coverage. Learn more in our Farmers auto insurance review.
• Personalized Service: Farmers boasts an extensive network of local agents, available to discuss insurance options, review policy details, and address any questions.
• Multiple Discounts Available: Farmers auto insurance discounts can make comprehensive auto insurance even more affordable.

Cons

• New Policies Unavailable in Florida: As of July 2023, Farmers Insurance made the decision to suspend offering new policies in the state of Florida.
• Higher Rates for Some: Comprehensive coverage can be particularly expensive for young and senior drivers.

#9 – USAA: Low-Cost Coverage for the Military

Pros

• Exceptional Customer Service: According to a J.D. Power study, USAA has received a high customer satisfaction rating for claims handling. Learn more in our USAA auto insurance review.
• Competitive Rates and Discounts: USAA has some of the cheapest comprehensive auto insurance rates, averaging $71/mo. On top of that, USAA’s discounts help customers save even more on their comprehensive coverage.
• Exclusive Membership Benefits: USAA has a long-standing reputation for service to the military community and their families.

Cons

• Limited Eligibility: USAA’s comprehensive coverage is only available to military personnel, veterans, and their families.
• Few In-Person Agents: USAA is primarily operating online and through phone support.

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#10 – Auto-Owners: Reputable Insurer

Pros

• Long-Standing and Trusted Provider: Auto-Owners Insurance Company has been around for over 100 years and has grown into a large insurance provider.
• Personalized Touch: Auto-Owners works exclusively through local independent agents, providing customers with personalized support. Learn more in our Auto-Owners auto insurance review.
• Multiple Add-ons: Auto-Owners offers an array of add-on options, such as road trouble service, additional expense coverage, diminished value coverage, etc.

Cons

• Limited Online Presence: Auto-Owners doesn’t offer online or mobile app-based quoting, nor does it allow online claims filing.
• Limited Availability: Comprehensive coverage through Auto-Owners is limited to only 26 states.

Comprehensive Auto Insurance Coverage Cost by Provider

Auto insurance companies look at many different factors that affect auto insurance rates when they calculate your premiums. They also weigh those factors differently. This means that drivers will see different rates from each company.

The best auto insurance companies for comprehensive coverage will vary by driver. However, we can get a general idea of which companies offer the cheapest coverage that includes comprehensive insurance.

This table shows you the average monthly rate for minimum and full coverage by top providers. You will notice that some providers are significantly cheaper than others.

Comprehensive Auto Insurance Monthly Rates by Top Provider

USAA and Geico offer the cheapest rates. However, USAA only offers coverage to members of the military, veterans, and their families.

Is comprehensive insurance full coverage? No, but full coverage usually includes comprehensive and collision coverages.

Discounts From the Top Comprehensive Coverage Providers

Many auto insurance providers offer various discounts to make comprehensive coverage more affordable for their policyholders. Here are some common auto insurance discounts offered by top comprehensive coverage providers:

These acar insurance discounts can help you save up to 25 % on your comprehensive auto insurance premiums. Always check with your insurance provider to see which discounts you qualify for and how much you could save.

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What Comprehensive Coverage Includes

Comprehensive coverage helps pay for damages to your vehicle that don’t come from an accident.

This is a different kind of coverage than liability which pays for damages to another vehicle and collision which pays for damages to your car from an accident.

Examples of what comprehensive insurance covers are:

• Fire
• Theft
• Vandalism
• Floods, hurricanes, and other natural disasters
• Falling debris such as tree limbs and hail

What is the difference between collision and comprehensive auto insurance? Comprehensive coverage won’t help you if your car is damaged in an accident. Collision insurance covers damages to your car from an accident only.

What is comprehensive insurance vs. collision in an example? If a tree falls on your car, your comprehensive coverage would pay. However, if you hit a tree with your car, your collision insurance would pay. Adding collision and comprehensive coverages to your policy will help pay for any damages to your vehicle, whether from an accident or not.

Most states require drivers to have at least a minimum amount of auto insurance, and that is usually just liability coverage. However, four out of five drivers choose to add collision and comprehensive coverage.

If your car is older and not worth much money, it might be smarter to skip comprehensive and collision coverages. In those situations, you can choose to pay for repairs or replacement yourself.

How to Find the Best Comprehensive Car Insurance Companies

The best car insurance companies with comprehensive coverage will vary, but our top picks are State Farm, Geico, and Progressive.

Shop around to find the best deal on comprehensive coverage for you. Compare auto insurance quotes from multiple companies to find the best comprehensive insurance with the lowest rates.

To compare rates from the best comprehensive coverage auto insurance companies near you for free, enter your ZIP code below now.

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