Best Auto Insurance for Families in 2024 (Your Guide to the Top 10 Companies)
American Family, Erie, and Allstate offer the best auto insurance for families starting at just $22 per month. We're here to help you compare car insurance rates from these top companies, ensuring you get the best coverage and discounts tailored to your vehicle and for your reassurance.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
2,180 reviewsCompany Facts
Full Coverage for Families
A.M. Best Rating
Complaint Level
Pros & Cons
2,180 reviews
1,814 reviewsCompany Facts
Full Coverage for Families
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviews
11,413 reviewsCompany Facts
Full Coverage for Families
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
American Family distinguishes itself as the best auto insurance for families, offering competitive rates beginning at just $22 monthly for comprehensive coverage.
In conjunction with Erie and Allstate, they offer affordable prices and a wide selection of full coverage options tailored to meet your specific driving needs.
Our Top 10 Company Picks: Best Auto Insurance for Families
| Company | Rank | Family Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 11% | A | Roadside Assistance | American Family |
 | #2 | 10% | A+ | Cheap Rates | Erie |
 | #3 | 9% | A+ | Bundling Discounts | Allstate |
 | #4 | 8% | A+ | Coverage Options | Nationwide |
 | #5 | 16% | A++ | Multi-Policy Discounts | Geico |
 | #6 | 13% | A | Loyalty Rewards | Liberty Mutual |
 | #7 | 15% | A | Customizable Policies | Farmers |
 | #8 | 18% | A+ | Add-on Coverages | Progressive |
 | #9 | 11% | A | Personalized Policies | Safeco |
 | #10 | 14% | A++ | Exclusive Benefits | Travelers |
- American Family presents competitive pricing starting from $22 per month
- Leading insurance companies offer potential savings for families
- Discounts guarantee the best auto insurance for big and small families
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#1 – American Family: Top Overall Pick
Pros
- Innovative Policy Features: American Family offers unique coverage options.
- User-Friendly: Through intuitive mobile apps and online tools, American Family simplifies policy and claims management for customers.
- Financial Security: American Family’s strong financial foundation ensures policyholders have a dependable and stable insurance provider.
Cons
#2 – Erie: Best for Cheap Rates
Pros
- Cost-Effective Premiums: Our Erie auto insurance review unveils competitive rates that are friendly to various budgets.
- Flexible Coverage Choices: Erie offers policies that can be tailored to individual needs.
- Savings Opportunities: Erie provides various discounts, including those designed specifically for automobiles.
Cons
- Sparse Local Agent Network: Erie primarily operates through online and phone channels, with limited physical agent presence.
- Coverage Restrictions: Some policy enhancements may not entirely fulfill the requirements of classic cars.
#3 – Allstate: Best for Bundling Discounts
Pros
- Personalized Discounts: Allstate offers customized discount opportunities for policyholders.
- Financial Strength: Allstate boasts a robust financial backing from a stable corporation.
- Superior Customer Assistance: Allstate is celebrated for its responsive and easily accessible customer support.
Cons
- Coverage Restrictions: Certain policy enhancements may not entirely align with individual needs. Utilize our Allstate auto insurance review for insights.
- Claims Processing Challenges: Policyholders may face delays or complications throughout the claims procedure.
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#4 – Nationwide: Best for Coverage Options
Pros
- Extensive Array of Coverage Options: Nationwide presents an extensive array of coverage options, empowering customers to customize policies according to their unique needs.
- Safe Driving Rewards Program: The Vanishing Deductible initiative by Nationwide incentivizes safe driving behavior by gradually reducing deductibles over time.
- Membership Savings: Nationwide offers exclusive discounts for diverse affiliations and memberships, enhancing affordability for select groups.
Cons
- Customer Satisfaction Disparity: Customer satisfaction ratings vary across the board, as highlighted in our Nationwide insurance review, with some clients reporting average experiences.
- Premium Variability: Premium rates may fluctuate based on geographic location and individual profiles, potentially impacting overall affordability.
#5 – Geico: Best for Multi-policy Discounts
Pros
- Tailored Coverage Solutions: Geico delivers custom-tailored coverage options for automobiles.
- Cost-Effective Premiums: Geico provides budget-friendly rates. Jumpstart your affordability journey with insights from our Geico auto insurance review.
- Savings Options: Geico presents various discount opportunities, including those specifically tailored for vehicles.
Cons
- Limited Agent Accessibility: Geico predominantly operates through local agents, potentially limiting universal access.
- Policy Limitations: Certain policy enhancements may not comprehensively meet the requirements of automobiles.
#6 – Liberty Mutual: Best for Loyalty Rewards
Pros
- Customized Plans: Liberty Mutual provides tailored coverage options for auto insurance policies.
- Budget-Friendly Rates: Liberty Mutual offers cost-effective pricing.
- Outstanding Customer Care: Liberty Mutual is highly esteemed for its prompt and user-friendly service.
Cons
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#7 – Farmers: Best for Customizable Policies
Pros
- Tailored Protection Plans: Farmers, as highlighted in our Farmers auto insurance review, customizes coverage to suit individual needs.
- Budget-Friendly Premiums: Farmers offers competitively priced car insurance options.
- Savings Opportunities: Farmers provides a variety of offers, including discounts tailored for car insurance.
Cons
- Agent Accessibility Challenges: Farmers primarily operates through local agents, which may pose accessibility issues in certain regions.
- Coverage Constraints: Some specific additional coverage options may not fully align with policyholders’ requirements.
#8 – Progressive: Best for Add-on Coverages
Pros
- Tailored Policy Plans: In our Progressive auto insurance review, personalized coverage options are tailored to suit individual vehicles.
- Competitive Pricing: Progressive offers cost-effective rates.
- Savings Incentives: Progressive provides various discount opportunities, including those tailored specifically for automobiles.
Cons
- Claims Processing Challenges: Individuals may encounter delays or complications during the claims handling process.
- Discount Availability Constraints: Progressive may not provide as extensive a range of discounts as some competitors.
#9 – Safeco: Best for Personalized Policies
Pros
- Customized Protection: Safeco, as highlighted in our Safeco auto insurance review, crafts coverage to match individual needs.
- Budget-Friendly Rates: Safeco provides competitively priced car insurance.
- Savings Opportunities: Safeco offers various promotions, including those tailored for car insurance.
Cons
- Agent Accessibility Challenges: Safeco primarily operates through local agents, potentially posing accessibility issues in certain regions.
- Coverage Constraints: Certain additional coverage options may not fully align with policyholders’ requirements.
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#10 – Travelers: Best for Exclusive Benefits
Pros
- Cost-Efficient Premiums: Our Travelers auto insurance review unveils budget-friendly and competitively priced rates.
- Flexible Coverage Choices: Travelers offers policies that can be personalized to suit individual needs.
- Savings Opportunities: Travelers presents a variety of discount programs, including those specifically tailored for vehicle owners.
Cons
- Sparse Agent Presence: Travelers primarily conducts business online and via telephone channels, limiting in-person agent access.
- Policy Constraints: Some supplementary policy features may not entirely fulfill the requirements of automobiles.
Family Car Insurance Plans
Different Types of Auto Insurance Coverages for Families
Liability insurance is mandated by most states, covering damages to other drivers in accidents. Collision insurance protects your car in collisions, while comprehensive insurance handles non-collision damage.
Other options include pay-as-you-go insurance, uninsured motorist coverage, and personal injury protection. Choose wisely to maximize the benefits of auto insurance.
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Impact of Family Packages in the Cost of Auto Insurance
If one of the drivers has a relatively poor driving record or FICO score, it will raise your cost, but it might still be cheaper than getting an individual insurance policy.
Explore where to compare auto insurance rates online for the best deals and savings, ensuring you find the most suitable coverage for your needs. Enter your ZIP code to compare.
Auto Insurance for a Teenager
Teenage drivers are costly to insure, especially in states with high rates. Opting for individual insurance for a new car can be expensive. Consider limiting them to your least expensive vehicle to save money.
When buying a used car, have it inspected by a trusted mechanic, paying attention to essential safety features like seat belts and airbags. Explore the best states for cheap teen auto insurance to potentially lower costs.
Discounts on Auto Insurance
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Lowering Car Insurance Rates for my Family
Buying the Right Family Car Insurance Plan
Frequently Asked Questions
What is auto insurance for families?
Auto insurance for families is a type of insurance coverage designed to protect family members and their vehicles from potential risks and financial losses resulting from accidents, theft, or other covered events.
What does auto insurance for families typically cover?
Auto insurance for families usually includes coverage for liability (bodily injury and property damage), collision, comprehensive (damage not caused by collision, such as theft or vandalism), uninsured/underinsured motorist, and medical payments. Enter your ZIP code now to compare.
Are all family members covered under auto insurance policies?
Can I add my teenage driver to my family’s auto insurance policy?
Yes, most auto insurance companies allow you to add teenage drivers to your family policy. However, adding a teenage driver may increase the premium due to their lack of driving experience and higher accident risk.
What factors affect the cost of auto insurance for families?
Several factors can influence the cost of auto insurance for families, including the number of drivers and vehicles insured, driving records of family members, location, vehicle make and model, coverage limits, deductibles, and optional add-ons. Enter your ZIP code now.
Are there any discounts available for families on auto insurance?
How do car insurance plans work?
How do I buy the right family car insurance plan?
How do I lower my car insurance rates for my family?
How do family packages impact the cost of auto insurance?
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
