More about the best car insurance companies

Erie Insurance offers auto insurance to buyers in 12 states — Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia and Wisconsin — plus the District of Columbia.

Erie earns strong marks in J.D. Power customer satisfaction studies:

• Second among a dozen mid-sized insurance companies in the 2020 U.S. Insurance Shopping Study, which measures satisfaction with the auto insurance shopping experience.
• Second among 14 companies in the Mid-Atlantic region, second out of 17 insurers in the Southeast region and third among 20 companies in the North Central region in the 2020 U.S. Auto Insurance Satisfaction Study.
• Third out of 23 companies nationwide in the 2019 Auto Claims Satisfaction Study.

When you buy Erie car insurance, you can lock in your rates until you change your covered drivers, covered cars or home address. Erie offers new car protection for cars under 24 months old, and rental reimbursement coverage comes standard. Accident forgiveness is available after three years with the company.

» MORE: Erie insurance review

Amica

Amica Insurance sells auto insurance in 25 states, having grown from covering just New York and New Jersey before 2017.

In J.D. Power’s 2020 studies, Amica ranked first for overall satisfaction in the New England region and eighth among 12 mid-sized insurers for insurance shopping satisfaction. J.D. Power also ranked Amica highest for overall auto claims satisfaction in 2019.

If you do have to go through the claims process, you may not even see an increase in your rates. Customers who opt for certain upgrades can earn “Advantage Points” for good driving, renewing a policy and referring other drivers. These points can be used to keep your current rate after an accident. Amica also offers free glass repair, free lock replacement and free airbag repair after deployment.

» MORE: Amica insurance review

Texas Farm Bureau Insurance

Texas Farm Bureau Insurance operates in a single state, and buying coverage requires a Farm Bureau membership, which typically costs $35 to $50 a year. That gives you access to some of the cheapest car insurance in Texas.

In J.D. Power’s 2020 U.S. Auto Insurance Satisfaction Study, Texas Farm Bureau Insurance is the highest rated auto insurer in Texas.

Texas Farm Bureau Insurance gives student drivers a discount for good grades, gives homeowners a discount for bundling and gives anyone a discount for having a car’s vehicle identification number, or VIN, etched in the glass of the car to deter theft.