Coverage is the first thing you look at when shopping for car insurance. But not all companies offer the same ones. Some offer more options than others. Our study found that Liberty Mutual is the best insurer for coverage.

In this article, we rank the top carriers based on the coverages they offer. You’ll learn how many coverages each company provides. We’ll also look at which types of coverage an insurer offers. Be sure to visit our article on the best auto insurance providers in the country if you want to know which ones stand above the rest overall.

Best Company for Auto Insurance Coverage: Liberty Mutual

Liberty Mutual has the best coverages of any company. They have the most coverage options, including the essentials you need to drive. You can also get insurance from them in all 50 states. Here’s why we picked Liberty Mutual at our number one spot:

Large Coverage Selection

Liberty Mutual offers a total of 19 different types of coverage, including full coverage policies. But you can also get extras like roadside assistance and gap. Here’s a full list of the car insurance coverages Liberty Mutual offers:

• Liability
• Collision
• Comprehensive
• Uninsured and underinsured motorist (UM and UIM)
• Medical payments (MedPay)
• Personal injury protection (PIP)
• Gap
• Rental car reimbursement
• Travel to Mexico
• New car replacement
• Better car replacement
• Roadside assistance
• Liberty Mutual deductible fund
• Lifetime repair guarantee
• Original parts replacement
• Coverage for teachers
• Umbrella coverage
• Accident forgiveness

Coverages That Others Don’t Offer

Liberty Mutual offers unique coverages that other insurance companies don’t. One example is guaranteed asset protection (Gap). This helps pay off the loan/lease for your car if it gets totaled in a crash. Lenders require gap, but many providers don’t offer it.

Another rare coverage of Liberty Mutual’s is for travelers in Mexico. This is key if you plan on driving south of the border. But many other insurers don’t provide this.

Liberty Mutual also has accident forgiveness. This protects your rates from going up after a car accident.

High-Quality Company

Another reason why Liberty Mutual is ranked so highly is that it’s a high-quality insurer. In J.D. Power’s 2022 auto insurance customer satisfaction study, Liberty Mutual appeared in the top ten for several regions around the country. A.M. Best, a credit rating agency, gave the company an A (stable) ranking.

Second-Best Insurer for Auto Coverage: Farmers

Farmers is our runner-up for best car insurance coverage. It has the second-most coverage options. It also has unique options other insurers don’t. Here’s why we ranked Farmers at number two:

Several Coverage Options

Like Liberty Mutual, Farmers also offers 19 coverages. This is far more than most auto insurance providers. Farmers offers the essentials like full-coverage. You can also get add-ons that help you fill any gaps in your policy.

Here’s Farmers’ complete line-up of car insurance coverages:

• Liability
• Collision
• Comprehensive
• UM and UIM
• MedPay
• PIP
• Towing and roadside service
• Rideshare
• Rental reimbursement
• Loss of use
• Guaranteed value
• Customized equipment
• Umbrella
• Glass deductible buyback
• Full glass
• Spare parts
• Original equipment manufacturer (OEM)
• New car replacement
• Accident forgiveness

Unique Coverages

Farmers offers several unique car insurance coverages that you can’t normally find with other providers. These include the following:

• OEM. This ensures that OEM parts go into your car when it’s in the shop.
• Spare parts. Farmers will pay up to $750 for any spare parts your car needs.
• Guaranteed value. This pays the agreed-upon value when your car’s a total loss.
• Loss of use. Gives a flat payment for you to use public transit, rentals, and taxis while your car’s in the shop.

Third-Best Company for Auto Insurance Coverages: Travelers

Travelers is third on our list for best coverage. The company has many coverage options, including rideshare and gap. Here’s why we picked Travelers at number three:

Lots of Coverage Options

As with the other companies in our list, Travelers has more coverage options than most. This is a complete list of Travelers’ 14 coverages:

• Liability
• UM and UIM
• Collision
• Comprehensive
• PIP
• MedPay
• Gap
• Rental coverage
• Roadside assistance
• New car replacement
• Accident forgiveness
• Rideshare
• Named non-owner
• Umbrella

Travelers also has coverages that many other insurance companies just don’t offer. These include coverages like rideshare and guaranteed asset protection (Gap). Named non-owner is another unique coverage the company offers. This is useful if you often drive vehicles that aren’t your own.

Honorable Mentions

Liberty Mutual, Farmers, and Travelers may be our top three for auto coverage, but other companies may be a good fit for you as well. Below are four honorable mentions:

Nationwide

Nationwide has a good selection of car insurance coverages with over 14 to choose from:

• Liability
• PIP
• UM and UIM
• MedPay
• Collision
• Comprehensive
• Towing and labor
• Rental car expense
• Guaranteed asset protection (Gap)
• Roadside assistance
• Accident forgiveness
• Vanishing deductible
• Total loss deductible waiver
• Umbrella

It’s notable that Nationwide offers guaranteed asset protection (Gap). This is a coverage that most insurers don’t provide. If you’re leasing or financing a car, Nationwide may be a good choice. You can also get vanishing deductible coverage. This takes $100 off of your deductible for each year without an accident.

Allstate

With Allstate, you can get all the basic auto coverages. This includes liability and full coverage. But you can also get rarer coverages, like Mexican travel insurance and classic car coverage. Here’s a full list of what you can get with Allstate:

• Liability
• Collision
• Comprehensive
• MedPay
• PIP
• UM and UIM
• Roadside assistance
• Rental reimbursement
• New car replacement
• Gap
• Repair provision
• Umbrella
• Classic car

Progressive

Progressive also has a well-rounded set of auto insurance coverages. The company is one of the largest in the industry and serves all US states. Progressive offers coverages like rideshare and gap. You can also get all the basic ones.

Here’s a complete list of Progressive’s insurance coverage options:

• Liability
• Collision
• Comprehensive
• UM and UIM
• MedPay
• PIP
• Loan/Lease payoff (gap)
• Rental car reimbursement
• Custom parts and equipment value
• Rideshare
• Roadside assistance
• Deductible savings bank

American Family

American Family (AmFam) has ten coverages for you to choose from. This total may not seem like a lot compared to other providers, but AmFam offers more than enough coverage options to fully protect most drivers. You can also get gap and AD&D.

Here are all the insurance coverages AmFam provides:

• Liability
• Collision
• Comprehensive
• MedPay
• PIP
• Gap
• UM and UIM
• Rental reimbursement
• Emergency road service
• Accidental death and dismemberment (AD&D)

How We Chose Our Winners

We selected our winner for best coverages by looking at several factors. The first is the number of coverages a company provides. The more coverages, the better. We also looked at the types of coverages a company offers. Companies that had the following coverages ranked higher:

• Gap
• Rideshare
• Mexican travel

Finally, we looked at an insurance company’s overall quality. This includes assessing a carrier’s customer satisfaction rating. We also looked at the overall size of each provider. The final factor was how many states a provider operates