# Insurance Companies Reference

## 12 Major US Auto Insurers

| Company | Avg Monthly | Best For | J.D. Power | AM Best | High-Risk Friendly |
|---------|------------|----------|------------|---------|-------------------|
| State Farm | $96-$184 | Bundling, families, claims satisfaction | 650/1000 | A++ | Moderate |
| Progressive | $155-$208 | High-risk drivers, comparison shoppers, rideshare | 621/1000 | A+ | Best |
| GEICO | $139-$175 | Good drivers, military, digital-first | 645/1000 | A++ | Low |
| Allstate | $170-$220 | Accident forgiveness, add-on coverages | 615/1000 | A+ | Moderate |
| USAA | $111-$150 | Military members and families (cheapest overall) | Not ranked (closed) | A++ | Low (strict membership) |
| Liberty Mutual | $185-$240 | Customizable coverage, better car replacement | 590/1000 | A | Moderate |
| Farmers | $165-$210 | Agent support, broad coverage, rideshare | 600/1000 | A | Moderate |
| Nationwide | $119-$170 | Vanishing deductible, SmartRide, bundling | 625/1000 | A+ | Moderate |
| Travelers | $130-$185 | New car replacement, responsible driver plans | 610/1000 | A++ | Low |
| American Family | $135-$190 | Midwest/West families, bundling | 630/1000 | A | Moderate |
| Erie | $95-$140 | Northeast/Midwest — cheapest with excellent service | 680/1000 (highest) | A+ | Low |
| The Hartford | $145-$195 | Drivers 50+, AARP members | 640/1000 | A+ | Low |

## Detailed Profiles

### State Farm
- **Telematics**: Drive Safe & Save
- **Discounts**: Multi-policy, multi-car, good driver, good student, defensive driving
- **Online Experience**: Moderate — agent-focused
- **Claims Satisfaction**: Highest among major insurers

### Progressive
- **Telematics**: Snapshot
- **Discounts**: Name Your Price, multi-car, online quote, continuous coverage, homeowner
- **Online Experience**: Excellent
- **Claims Satisfaction**: Average

### GEICO
- **Telematics**: DriveEasy
- **Discounts**: 18 discount types — most in industry, 25% multi-car, military, federal employee
- **Online Experience**: Excellent
- **Claims Satisfaction**: Above average

### Allstate
- **Telematics**: Drivewise
- **Discounts**: Safe driver, multi-policy, diminishing deductible, new car, anti-theft
- **Online Experience**: Good
- **Claims Satisfaction**: Average

### USAA
- **Telematics**: SafePilot
- **Discounts**: Military deployment, storage, family, multi-car, good driver
- **Online Experience**: Excellent
- **Claims Satisfaction**: Highest overall
- **Note**: Eligibility restricted to active military, veterans, and their immediate families

### Liberty Mutual
- **Telematics**: RightTrack
- **Discounts**: Multi-policy, multi-car, early shopper, homeowner
- **Online Experience**: Good
- **Claims Satisfaction**: Below average

### Farmers
- **Telematics**: Signal
- **Discounts**: Multi-line, good driver, good student, anti-theft, transfer discount
- **Online Experience**: Moderate — agent-focused
- **Claims Satisfaction**: Average

### Nationwide
- **Telematics**: SmartRide (up to 40% savings)
- **Discounts**: Multi-policy, multi-car, SmartRide, good student, anti-theft, paperless
- **Online Experience**: Good
- **Claims Satisfaction**: Above average

### Travelers
- **Telematics**: IntelliDrive
- **Discounts**: Multi-policy, multi-car, new car, hybrid/EV, continuous coverage
- **Online Experience**: Moderate
- **Claims Satisfaction**: Above average

### American Family
- **Telematics**: KnowYourDrive
- **Discounts**: Multi-policy, multi-car, loyalty, good student, smart student
- **Online Experience**: Moderate
- **Claims Satisfaction**: Above average

### Erie
- **Telematics**: YourTurn
- **Discounts**: Multi-policy, multi-car, pay-in-full, group, good student
- **Online Experience**: Basic
- **Claims Satisfaction**: Highest J.D. Power score
- **Note**: Available in Northeast/Midwest only (12 states + DC)

### The Hartford
- **Telematics**: TrueLane
- **Discounts**: AARP member, multi-car, multi-policy, loyalty, anti-theft, defensive driving
- **Online Experience**: Good
- **Claims Satisfaction**: Good for 50+ demographic