Top auto car insurance companies
- • Click here to take the 2017 Driver Power Survey
- How much is your premium?
- If you asked for a discount, how much did you negotiate?
- How long did it take to settle a claim?
- The best car insurance companies
- 1. NFU Mutual – 95.94%
- 2. Swinton – 93.40%
- 3. Royal & Sun Alliance – 91.83%
- 4. LV – 90.42%
- 5. Lloyds – 90.19%
- 6. Ageas – 89.82%
- 7. Marks and Spencer – 89.05%
- 8. Saga – 87.90%
- 9. More Than – 87.09%
- 10. Direct Line – 86.25%
- Lowest-ranked car insurance companies 2016
- 21. Privilege – 83.09%
- 22. AA – 80.79%
- 23. Adrian Flux – 80.04%
- 24. One Call Insurance – 78.66%
- 25. Swiftcover – 73.16%
- Choose the right level of cover
- Find the best policy for you
- Should you add extras?
- How to get quotes from our comparison
- Car insurance FAQs
- About our car insurance comparison
Car insurance is a must if you own and drive a vehicle; it really is that simple. Yet even though many of us spend hours researching the very best model to suit our needs, few put the same time into finding the right insurance cover to protect us should the worst happen.
And while price is everything for many people, if you need to make an insurance claim you may end up regretting not taking out cover with a company that charges slightly higher premiums but ultimately delivers expert service during your hour of need.
• Click here to take the 2017 Driver Power Survey
To help you make the right choice, we’ve ranked the top 25 insurers across seven key areas, from the speed at which you can take out cover to making a claim.
Along the way we’ve rated how friendly and helpful the staff are, how well they can explain the exact detail of their company’s individual products – including specialist cover – and the clarity of the terms and conditions and smallprint of the policy.
Add in how good the insurer is at keeping you informed in the event of a claim, what the overall experience is and whether its policy is good value for money, and you’ve got all you need to know about insurance.
• Cheap car insurance for young drivers: top tips
So which insurer should you go with? Before we reveal all in our top 25 countdown, we’ve uncovered a few industry-wide points that may assist you when you’re searching online or picking up the phone for a quote.
How much is your premium?
Price remains the key factor when taking out car insurance, and many drivers use comparison websites. But past experience also plays a part; a company that’s given good service before and still offers a keen quote is likely to get repeat business, and 79 per cent of you stayed with your current firm. Slightly fewer people paid less than £300 for 12 months’ cover than in 2015; a few per cent more paid up to £400.
If you asked for a discount, how much did you negotiate?
Switch insurer and you’re likely to save – unless you negotiate with your current firm. More than 90 per cent of you scored discounts of up to 20 per cent by calling and haggling. However, the majority of Driver Power respondents tell us they still don’t do this, with just a third saying they’d phoned up to query a renewal fee. Our figures show more people should be doing it; what is there to lose, after all?
• Cheapest cars to insure
How long did it take to settle a claim?
Only eight per cent of respondents made a claim in the past 12 months. But when you do, you want it dealt with quickly. If there’s a dispute, a claim can rumble on, but overall insurers seem to handle cases quickly, with 73 per cent settled in under two months – that’s better than a year ago. Not so great news is that, compared with in 2015, claims are more likely to stretch to a year than be settled in five months.
The best car insurance companies
1. NFU Mutual – 95.94%
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Image 2 of 11
NFU Mutual has returned to the top of the tree in our Driver Power survey after a few lacklustre years. It’s been a serial winner before, and these latest rankings are a record high.
Three class wins and podium scores everywhere else tell you all you need to know – policyholders can’t get enough, with 100 per cent of customers saying they’ll renew with NFU. Just like our runner-up, it has local offices, suggesting the personal touch is everything. One reader said: “Local and reliable.” Another added: “There’s no mucking about when a claim arises.”
Would you renew your current policy? Yes 100% No 0%
2. Swinton – 93.40%
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Image 3 of 11
Moving up 10 places in 2015 and another nine this year to second overall is impressive form from Swinton. It’s one of the few insurers to have local branches where policyholders can talk to staff in person. One reader said this was invaluable, telling us: “Good face to face service at the local office. Take in proof of cheaper Internet-based premium and you’ll get a better quote.”
It’s not just cheap deals on offer, either, with drivers rating its ability to keep them informed during a claim first. One said: “Excellent back-up when my wife had an accident.”
Would you renew your current policy? Yes 67% No 34%
3. Royal & Sun Alliance – 91.83%
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Image 4 of 11
It’s another sterling performance for Royal & Sun Alliance as it moves back up on to the insurers’ podium. Four of its category scores rank in the top three, with 11th for keeping you informed its lowest rating. Last year, it was criticised for unclear terms and conditions, but that’s rocketed up to second now.
One happy reader told us: “It’s the best I have ever used, and is an excellent price for what I need.” This is a view that’s held by many RSA customers, with feedback such as “reasonable premium” and “professional” commonplace.
Would you renew your current policy? Yes 84% No 16%
4. LV – 90.42%
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Image 5 of 11
Last year LV fell from fourth, but it’s come back strongly in 2016 with a string of excellent scores. While value for money was previously criticised, improvements have been made, and a five per cent overall score increase should be praised.
Also impressive is the near 90 per cent who said they’d renew. Strong speed to order results suggested LV’s phone and online services are top notch. One user summed up the experience: “It was easy to set up and staff are quick to answer the phone.” You say staff are friendly and knowledgeable, too.
Would you renew your current policy? Yes 89% No 11%
5. Lloyds – 90.19%
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Image 6 of 11
The yoyo form of Lloyds continues for 2016 with its highest finish to date, having bounced around the midfield and bottom of the table for several years. A fifth place finish makes it this year’s highest riser and is a far cry from last place in 2012.
With a score of over 90 per cent, achieved by ranking eighth or above in every category, Lloyds would have finished in second place 12 months ago. One policyholder enthused: “They were very efficient and helpful, and the courtesy car arrangement was much better than I had previously experienced.”
Would you renew your current policy? Yes 80% No 20%
6. Ageas – 89.82%
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Image 7 of 11
This insurer sells cover through a broker, and is on the march in Driver Power, having climbed by three places last year and another eight in 2016. So Ageas is comfortably in the top 10.
That’s down to a set of consistent scores, with all but clarity of information ranking inside the top 10. The best of these was keeping you informed, and customers are delighted with how much detail they got during a claim. One reader told us it “takes the strain painlessly”, while another summed up: “Competitive quote, clear documentation and strong company reputation.”
Would you renew your current policy? Yes 83% No 17%
7. Marks and Spencer – 89.05%
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Image 8 of 11
Marks and Spencer is the highest-ranked shop brand, ahead of rivals like Tesco, and is also the highest new entry for 2016.
It’s racked up an impressive set of scores, with four category top 10s including for keeping you informed during a claim and value for money. One customer who’d had to claim explained: “My case was dealt with very quickly and professionally.”
Marks and Spencer also offers a quick and friendly service when ordering, although one disappointment was product knowledge, which was ranked poorly at 22nd out of 25.
Would you renew your current policy? Yes 75% No 25%
8. Saga – 87.90%
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Image 9 of 11
The Driver Power winner from two years ago has dropped down again this year, but still holds on to a decent eighth place. The insurer – which specialises in cover for over 50s – is still keeping customers happy, with four out of five saying they’d renew again.
It performs well across the board, with no really poor rankings, and four top 10s. In fact, Saga’s overall score is up one per cent from 2015; it just lost places because other insurers have performed even better. One happy customer said: “They’re an excellent service provider with friendly and very helpful staff.”
Would you renew your current policy? Yes 79% No 11%
9. More Than – 87.09%
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Image 10 of 11
Last year was something of an anomaly for More Than, as it hit the bottom of our charts after steady progress in the years before.
Wrongs have been righted in 2016, though, and the insurer has rebounded back to the top 10, with great scores for value for money and the ability to keep customers up to speed on claims.
One reader told us they received “good service” and added: “They are very reasonably priced for me and could be worth getting a quote from.” There’s still work to do, though, with last place for speed to order particularly disappointing.
Would you renew your current policy? Yes 77% No 23%
10. Direct Line – 86.25%
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Image 11 of 11
Direct Line has never really performed too well in our Driver Power surveys, but this year it breaks the mould and secures a top 10 finish – ahead of big rival Aviva.
Huge improvements in keeping drivers informed during a claim and value for money have helped boost its score by seven per cent from 12 months ago. One reader summed up the performance: “It’s the biggest and best – excellent claims resolution and sensible options and discounts.” However, the scoreboard suggests there’s even more scope for improvements.
Would you renew your current policy? Yes 87% No 13%
Lowest-ranked car insurance companies 2016
21. Privilege – 83.09%
Privilege is another insurer to fall down the rankings after climbing last year. A little over 77 per cent of policyholders would renew with the company, but 23rd place for speed to order suggests it isn’t the quickest insurer to respond.
Still, once you get hold of Privilege, it seems to be helpful. One reader told us: “A very good service by phone, very happy with it.” And 12th for product knowledge is impressive, too. There remains room for improvement in keeping policyholders informed when dealing with a claim, as well as value for money.
Would you renew your current policy? Yes 77% No 23%
22. AA – 80.79%
Motoring giant the AA falls two places this year, despite good scores in various categories. Also known as a breakdown cover expert, it’s up nine positions in the friendliness and helpfulness category and climbed 11 places in speed to order over 2015.
Also impressive is 10th for product knowledge, although last place for value for money is less so. One reader pointed out: “I don’t like that they fleeced me in the second year, saying the first year price was an incentive deal.” Another said: “Not the easiest to deal with when trying to negotiate a better price.”
Would you renew your current policy? Yes 86% No 14%
23. Adrian Flux – 80.04%
Last year, Adrian Flux climbed 10 places to 15th, but it’s down eight positions in Driver Power 2016. Known for covering classic and performance cars, it’s rated high for its clarity of information. One reader said the firm is “very helpful and clear on the phone”.
However, other criteria that were previous strongholds for the company have fallen in the rankings – most notably value for money and friendliness and helpfulness. Still, 82 per cent of respondents said they would renew their policy, which is higher than the 79 per cent average for renewals this year.
Would you renew your current policy? Yes 82% No 18%
24. One Call Insurance – 78.66%
It’s a year of mixed results for One Call Insurance. It ranked last for clarity of information when buying a policy, but its staff are some of the friendliest and most helpful out there.
Policyholders also weren’t impressed with its value or its ability to keep them informed when making a claim, although 15th place for product knowledge is worth mentioning.
Improvement in a few categories would surely help One Call climb the chart. One reader said: “I’m not happy with the claims service; it put me through to an accident management company.”
Would you renew your current policy? Yes 68% No 32%
25. Swiftcover – 73.16%
Swiftcover shouldn’t be too upset about ranking 25th in this year’s survey – after all, a host of insurers didn’t even make it in at all. But the online-only provider was ranked last in our 25 for friendliness and helpfulness, along with product knowledge.
In response, Swiftcover told us: “We continually develop our business in response to customers, and although it’s clear from these results that we don’t always get it right, customer feedback from other sources shows we mostly exceed expectations. We will take these findings on board and use them to improve.”
Would you renew your current policy? Yes 63% No 37%
Now see the best cars to own in 2016, compiled from Driver Power data.
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Getting the right cover is the most important thing, and then you should look for the cheapest policy.
Choose the right level of cover
There are three levels of car insurance cover you can choose from in the UK:
- Fully Comprehensive
- Third party, fire and theft
- Third party cover only
Here is what each level protects you against, and how to choose which is right for you.What car insurance cover should you get?
Find the best policy for you
There are several different types of motor insurance policy, and choosing the right one could save you money.
- Standard car insurance: Here is what a standard car insurance policy with cover.
- Multi car insurance: Insuring two or more cars on one policy could mean cheaper cover; find out how it can save you money here.
- Black box insurance: You can save by having your driving monitored through a black box policy; here is how it works.
Should you add extras?
You can customise your policy and extend your cover by adding extra benefits. These include:
- Legal cover - here is how to work out if you need it
- Breakdown cover
- Cover for lost or stolen keys
- No claims protection
- Cover for driving abroad
Here is a full list of the car insurance extras that could be worth adding to your policy.
Check your policy to see if any of these are included as standard, and if not, consider whether it is worth the additional cost to add them.Which car insurance extras are worth having?
How to get quotes from our comparison
You can get quotes from our website via the aggregator from our panel of insurers. Make sure you also compare separate policies in our table to make sure you get the best deal.
It can be a quick and easy way to find cheap policies, but be careful not to buy car insurance on price alone:
Pros and cons of comparison sites
- Get lots of quotes quickly
- Quotes shown in price order
- Only one form to complete
- Not all insurers are on them
- Can be cheaper if you go direct
- Multi car policies not shown
Car insurance FAQsQ
Can I drive a car without insurance?A
No, it is a legal requirement to have at least third party car insurance cover to drive in the UK.Q
How can I get cheaper car insurance?A
There are several things you can do to get cheaper cover. Try these 10 easy ways to cut your car insurance costs.Q
What does car insurance cover?A
It can cover damage to your and another driver's car after an accident. It can also cover theft, vandalism and fire.Q
Is it cheaper to pay annually or monthly?A
Paying annually in one go will usually work out cheaper because you will be charged interest of up to 30% when you pay monthly.Q
Should I let my policy automatically renew?A
No, your current provider will not usually offer the cheapest deal so shop around and find a new policy instead of renewing.Q
Can I get insurance for an imported car?A
Yes, you can use our quote service to find cheap cover for your imported car. You can select whether your car is a grey or parallel import.Q
Can I check if a car is already insured?A
Yes, you can check if a car has a valid insurance policy in place through the Motor Insurance Database (MID).Q
How long does car insurance last?A
Most car insurance policies last one year, but you can cancel your cover for a fee. You can get short term cover for between one day and three months.Q
Can I drive other cars?A
If you have a fully comprehensive policy you might be covered to drive other people's cars, but some polices do not allow this.Q
Can I switch my policy to another car?A
Yes, if you buy a new car you will need to tell your insurer so they can update your policy. The cost of your cover will probably change.
About our car insurance comparisonQ
Who do we include in this comparison?A
We include every insurer that offers comprehensive and third party, fire and theft car insurance policies in the UK. They are all regulated by the Financial Conduct Authority. Here is more information about how our website works.Q
How do we make money from our comparison?A
We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.
Florida car Insurance Company reviews: Top 25 Auto Insurance Carriers rated by number of Complaints Below you will find a list of the top 25 Car & Auto Insurance Companies in order from best to worst. This list is rated on number of complaints filed with the State of Florida Get a free Quote with Florida's Top Car Insurance Companies Or Call at 1-800-252-6885
1. Travelers Home & Marine Insurance Company = A+
2. State Farm Fire & Casualty Company = A+
3. Depositors Insurance Company (An Allied company) = A
4. United Services Automobile Association = A
5. Government Employees Insurance Company = A
6. Progressive America Insurance Company = A
7. Allstate Property & Casualty Insurance Company= A
8. Allied Property & Casualty Insurance Company = A
9. Allstate Fire & Casualty Insurance Company = A-
10. Progressive Select Insurance Company = A
11. State Farm Mutual Automobile Insurance Company = A
12. Safeco Insurance Company of Illinois = A
13. Allstate Indemnity Company = A
14. Geico General Insurance Company = A-
15. USAA Casualty Insurance Company = A-
16. Mercury Insurance Company of Florida = B+
17. Allstate Insurance Company = B
18. GEICO Indemnity Company = B
19. Liberty Mutual Insurance Company = B
20. Metropolitan Casualty Insurance Company = B
21. Infinity Auto Insurance Company = D+
22. Security National Insurance Company = D
23. Esurance Insurance Company = D
24. United Automobile Insurance Company(NOT a part of USAA) = F
25. Direct General Insurance Company = FTo have your Car Insurance rated with the Top Insurance Companies in Florida contact Greene and Associates Insurance at 1-800-252-6885 or get a quote online at our Auto Insurance Request Page