Top 10 car insurance companies with the best buying process, according to customer reviews


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Written by
Freelance Writer
Reviewed by
Licensed Auto Insurance Agent
UPDATED: 2021-03-01T21:59:45.473Z
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A woman going through the online car insurance buying process at her desk.

On some level, each of us knows that to find cheaper car insurance, we need to do the homework of researching our options. It just takes time to buy car insurance. Many of us don’t want to go through the hassle of getting quotes and then going through the buying process.

Sometimes it feels easier to just stick with what we are currently using, even if that decision costs us money. When you buy car insurance online, your interaction is with a website or an app, which means that companies are putting a lot of thought into design that makes the online buying process fast and easy. If you buy insurance through an agent, you will have a different experience.

One of the great things about having customer reviews available is that you can see which companies make the buying process the easiest.

We wanted to see which car insurance companies were considered the best at the insurance buying process, so we analyzed thousands of customer reviews that were submitted to Clearsurance.com. Here are the top 10 car insurance companies with the best buying process, as rated by customers.

Rank Company Buying Process score (out of 5.0)
1 Auto-Owners Insurance Group 4.58
2 Esurance 4.53
3 USAA 4.51
4 Amica Mutual Insurance Company 4.48
5 Travelers Companies 4.47
6 Plymouth Rock Assurance 4.46
7 CSAA Insurance Group, a AAA Insurer 4.46
8 Liberty Mutual Insurance 4.43
9 GEICO 4.41
10 Nationwide 4.39

To be eligible for this list, companies must sell car insurance and have at least 25 reviews on Clearsurance.com that rated the company's buying process.

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1. Auto-Owners Insurance Group

The Auto-Owners Insurance group was founded in 1916, in Michigan. The company offers auto, home, life, and business insurance policies. It operates in 26 states represented by a network of 48,000 licensed agents.

Out of a possible five stars, customers rated Auto-Owners Insurance Group’s buying process as a 4.58 — ranking them highest in customer feedback on the auto insurance buying process.

Read Auto-Owners reviews on Clearsurance.

2. Esurance, Inc.

Esurance is part of Allstate and has long taken pride in its online and digital efforts to improve the car insurance buying experience. It was one of the first companies to sell car insurance online, so their decades of experience in this area really shows.

Out of a possible five stars, customers rated Esurance’s buying process as a 4.53 — a solid second place on the ratings for this aspect of auto insurance.

Read Esurance reviews on Clearsurance.

3. USAA

USAA gets high marks from its customers across the board, so it’s no surprise that their happy customer base approves of the purchasing experience as well. Not everyone qualifies for USAA insurance, as you have to be a member of the military or related to someone who is. Check and see if you are eligible to become a USAA member by reading more about who can join.

Out of a possible five stars, customers rated USAA’s buying process as a 4.51 — a very close third-place ranking on the ratings list for this component of auto insurance.

Read USAA reviews on Clearsurance.

4. Amica Mutual Insurance Company

Amica is the oldest mutual insurer of autos in America. They were established in 1907 and are now headquartered in Lincoln, Rhode Island.

Out of a possible five stars, customers rated Amica Mutual Insurance Company’s buying process as a 4.48 — putting them in fourth place in the rankings for this feature of auto insurance.

Read Amica reviews on Clearsurance.

5. Travelers Companies, Inc.

Travelers Insurance has been around for over 160 years, providing insurance for personal and business customers across the U.S. Travelers Insurance is available in all 50 states and is provided through a network of subsidiaries and around 14,000 independent agents and brokers. Personal insurance lines include home, auto, renters insurance, and more.

Out of a possible five stars, customers rated Traveler’s buying process as 4.47, earning them a very close fifth place in the rankings for this part of car insurance.

Read Travelers reviews on Clearsurance.

6. Plymouth Rock Assurance

Plymouth Rock Assurance offers its customers homeowners and auto insurance options, primarily in the New England region. Its regional focus means that its customers in Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania know their insurance company understands what challenges things like harsh weather can bring.

Out of a possible five stars, customers rated Plymouth Rock Assurance’s buying process as a 4.46 — another extremely close ranking, placing them sixth on the list for the best buying process.

Read Plymouth Rock reviews on Clearsurance.

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7. CSAA Insurance Group, a AAA Insurer

CSAA Insurance is provided to AAA members through partnerships. CSAA offers personal lines property and casualty insurance in the U.S., and although CSAA is the acronym for California State Automobile Association, the company offers insurance across a number of states.

Out of a possible five stars, customers rated CSAA Insurance Group’s buying process as a 4.46 — placing Plymouth Rock in seventh place on the ratings for this aspect of auto insurance, just below Plymouth Rock with a very close score.

Read CSAA reviews on Clearsurance.

8. Liberty Mutual Insurance

Liberty Mutual Insurance has been in existence since 1912, when it was originally launched as the Massachusetts Employees’ Insurance Association. The company is now a diversified, global insurance company that offers a wide range of insurance products, including personal lines such as auto, property, renters policies, and more.

Out of a possible five stars, customers rated the Liberty Mutual Insurance buying process as a 4.43 — landing them in the eighth spot on the ratings list.

Read Liberty Mutual reviews on Clearsurance.

9. GEICO

GEICO is the acronym for the Government Employees Insurance Company. Although GEICO originally started out as an auto insurer for federal government employees, it now provides policies to the general public, and is the second-largest auto insurer in the nation.

Out of a possible five stars, customers rated GEICO’s buying process as a 4.41, securing ninth place on the list of ratings.

Read GEICO reviews on Clearsurance.

10. Nationwide

Nationwide is a large, global insurance and financial services company. It was founded in Ohio, when the Ohio Farm Bureau decided to set up the Farm Bureau Mutual Automobile Insurance Company to provide automobile insurance to farmers.

Out of a possible five stars, customers rated Nationwide’s buying process as a 4.39, placing them tenth on the list of ratings for this aspect of auto insurance.

Read Nationwide reviews on Clearsurance.

Why are these companies rated highly for their consumer buying process?

Analyzing the reviews reveals a few common themes, for the companies rated highly and for those rated poorly. First and foremost, and perhaps unsurprisingly, customers tend to rate the buying process for auto insurance highly when they receive a premium quote that they like. That’s right, if a customer is happy with the quote, the customer is more likely to be favorable about the overall purchasing process.

The second most common element in positive reviews of the auto insurance buying process is the relative ease of progressing through the purchase. The easier and quicker this can be done, the better the reviews are for the insurance companies. A streamlined quoting and purchase process makes customers happier with the experience.

On the negative side, those unhappy with the car insurance buying process tend to focus on miscommunication. In one example, a customer incorrectly installed the driving tracker provided by the insurance company. As a result, the premium discounts that were tied to the use of that tracker never materialized and the customer was unhappy with the overall buying process.

If you’re looking for a new auto insurance provider and want to buy car insurance online, you might want to consider one of these companies that are highly rated for the ease of their purchasing process. For a list of the highest-rated companies in your zip code, visit the Clearsurance car insurance rankings page.

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