Buy local from an auto insurance agent in your area.
American Family’s low annual premium and high number of discounts make it our favorite on this list. You can find an auto insurance agent in your area on its website or mobile app. While American Family is only available in certain states, it is a great option for those in its coverage areas.
State Farm’s agents can help you get a lower rate by taking advantage of its many safe driving discounts. Whether you’re a new driver or an experienced driver, State Farm has safe driving programs that track your trips and provide feedback.
Local insurance agents know your neighborhood. Being more involved in the community means they have a deeper understanding of your unique situation. A local agent can help you find the right amount of insurance based on where you live. Another benefit is that local agents can typically get you lower car insurance rates, less-restrictive policies, better car insurance coverage and fair insurance claims settlements with your company.
Let your local insurance agent do the work for you. These auto insurance companies work with local agents across the United States.
Best overall: American Family
Best for safe drivers: State Farm
Best with independent agents: Farmers
|Provider||Ranking||What it’s best for||Year founded||Customer satisfaction rating (out of 1,000) (J.D. Power)1||Discounts available||Average annual cost||Review|
|American Family||1||Overall||1994||899||Accident-free, annual mileage, good student, multicar, safe driving, student away from home, and more||$1,400||Coming soon|
|State Farm||2||Safe drivers||1922||848 (ranked first in the Southwest)||Accident-free, defensive driver course, multicar, student away from home, and more||$1,419||State Farm review|
|Farmers||3||Independent agents||1928||828||Bundle, multicar, military, paperless, safe driving, good payer, student, and more||$1,878||Farmers review|
Local agents will have the most up-to-date information on discounts and savings programs. Your agent can ensure you get the savings for which you’re eligible.
American Family serves communities with exclusive agents in 19 states. With $11.1 billion in policyholder equity, American Family insurance group backs its policies with strong financial stability. The company ranks 232 on the Fortune 500 list and the ninth-largest private passenger insurer in the U.S.
American Family’s network of 14 companies, including Homesite and The General, works with 2,400 independent contractor agents providing local customer service. The company’s online tool lets you search by ZIP code to find a local auto insurance agent.2 You can also search for agents in your area or contact your current agent directly through the MyAmFam app, which has 4.8 out of five stars on the App Store and 4.2 stars on the Google Play store.
American Family established a program called Reimagining Agency to foster strong customer and community relationships through its network of agents.3 The main goal is to enable agents digitally so that customers can do business online quickly at any time of day and fall back on their agents to answer questions. The program boosted customer care with 24/7 support so agents can focus on more complex issues, such as one-on-one claims support with their clients.
American Family has several discounts to reduce the car insurance cost for teens and college-age students on your policy, including:
Talk to your American Family insurance agent to determine how to qualify for these savings.
If you like to keep it local and only drive short distances, then this program is for you. American Family offers a low mileage discount to customers who drive less than 7,500 per year. American Family does not disclose the amount of its low mileage discount; that’s information an agent will provide.
American Family has a pay-per-mile insurance program called KnowYourDrive, which helps low-mileage drivers save up to 20 percent by tracking mileage and safe driving habits. This program tracks your driving habits on a smartphone app. Enrolling gets you a 10 percent discount off the bat, then the app will monitor your driving behavior, including braking, speeding, mileage and trip duration. It also notes risky behaviors like using a GPS or sending a text while driving, which is tracked on your phone when the app is in use.
State Farm is one of the largest insurance providers in the U.S., providing a wide range of insurance products, online support options and mobile capabilities. Your local State Farm agent can assist you with your specific insurance needs ― the company has a sizable number of discounts and savings programs to get you the best rates on auto insurance. One differentiator between State Farm and the competitors on this list is State Farm’s numerous discounts for safe drivers, which your agent can help you qualify for.
State Farm relies on exclusive agents, which means only State Farm agents can sell its insurance products and the agents only sell State Farm products. The benefit of using an exclusive State Farm agent versus an auto insurance broker is that the State Farm agent’s depth of knowledge on State Farm products will outweigh an insurance broker’s understanding, since brokers work with multiple companies, policies, and more. Insurance brokers may also charge additional fees on top of their commissions, which can be as high as $250.
State Farm has a network of 19,000 exclusive agents to help you with your insurance and banking needs, so a qualified and experienced agent works near you. You can use State Farm’s agent search function to find a local agent by address, city, state and ZIP code.4 Advanced search options include first name, last name, products offered, language and distance.
Your State Farm agent can help you access multiple discounts for safe driving practices. These include:
Farmers Insurance serves 10 million households with more than 19 million individual policies. While its average annual rate of $1,878 is the highest on this list, it’s still lower than the national average of $2,070. The company employs over 48,000 exclusive and independent agents. You can browse by city, state, ZIP code or name to find an agent or enter a ZIP code for a free, no-obligation auto insurance quote.5
Agents cut down on your research time and bring you to the right policy more quickly. Even better, your Farmers agent will answer questions about policies or claims, delivering personalized service and support even after you sign your policy.
Your Farmers auto insurance agent can explain complicated policies and rate changes and can even help you process claims. You’ll begin the claims process online or by calling (888) 327-6335. If you’re having issues contacting Farmers to file a claim, speak to your agent so they can advocate for you.
Hybrid and electric car owners can save 5 percent on all major coverages by driving an alternative fuel vehicle. Vehicles eligible for an insurance discount are dedicated fuel vehicles as defined in the Federal Energy Policy Act of 19926 or electric and gasoline hybrid vehicles. This includes hybrid, electric, natural gas, methane and propane. Your auto insurance agent will be able to assist you with the documentation of your vehicle needed to qualify for the alternative fuel vehicle discount.
Your Farmers agent can provide personalized service and support to protect your specialty auto. Some of the benefits of Farmers classic car insurance include:
We chose the auto insurance providers with the most robust networks of local agents using the following methodology:
American Family has an A rating from AM Best, meaning it is unlikely to default on its obligations. Its J.D. Power satisfaction rating is 899, the highest among midsize auto insurers.
State Farm’s “full coverage” auto insurance coverage includes the following coverages:
Farmers has many discounts, including a shared family car discount, young driver discount, vehicle equipment, student away from home, safe driving, paperless billing, good payer, new car, multipolicy, multicar, military, electric vehicle, homeownership, good student, defensive driver course and accident-free discounts.
Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds. J.D. Power. (2022, Jun 13).
Find an Agent. American Family Insurance. (2023).
How American Family Insurance is investing in the agency channel. McKinesy & Company. (2022, Mar 17).
Find a State Farm Agent Near You. State Farm. (2023).
Find a Farmers Agent. Farmers. (2023).
Key Federal Legislation. Alternative Fuels Data Center, U.S. Department of Energy. (2023).