Top 20 3rd Party Car Insurance Companies

3rd Party Car Insurance Companies – When it comes to car insurance, 3rd party coverage is one of the most common and essential types of policies you can buy. It covers the damages caused to another person or their property by your vehicle. In this comprehensive guide, we will delve into the top 20 3rd party car insurance companies, providing detailed information about their services, pricing, customer reviews, and more. Additionally, we will compare these companies, discuss their pros and cons, and answer frequently asked questions about 3rd party car insurance.

What is 3rd Party Car Insurance?

Third-party car insurance is a policy that provides coverage for damages or injuries that you cause to another person or their property while operating your vehicle. This type of insurance does not cover your own vehicle or injuries. It is mandatory in many countries and states, ensuring that all drivers have some level of financial protection in the event of an accident.

FAQs about 3rd Party Car Insurance Companies

1. What is the most common third-party insurance?
   • The most common third-party insurance is liability insurance, which covers damages to others’ property and injuries to other people in an accident you cause.
2. Who are third-party insurers?
   • Third-party insurers are insurance companies that provide coverage for damages or injuries you cause to another person or their property. Examples include GEICO, Progressive, and State Farm.
3. Can you still buy third-party car insurance?
   • Yes, you can still buy third-party car insurance. It is available from most major insurance companies and is often a mandatory requirement for drivers.
4. Is third-party insurance the cheapest?
   • Third-party insurance is typically cheaper than comprehensive coverage because it only covers damages to others and not your own vehicle.
5. How much does third-party insurance cost?
   • The cost of third-party insurance varies based on factors such as your driving history, location, vehicle type, and the insurance company. On average, it can range from $200 to $1,000 per year.

Top 20 3rd Party Car Insurance Companies

1. GEICO

• Website: www.geico.com
• Contact Info: 1-800-207-7847
• Address: 5260 Western Avenue, Chevy Chase, MD 20815
• Pricing: Starting at $25/month
• Customer Reviews:
  • “Affordable and reliable.”
  • “Excellent customer service.”
  • “Easy to file claims.”
  • “Great mobile app.”
  • “Competitive rates.”
  • “Quick response times.”
  • “Helpful agents.”
  • “User-friendly website.”
  • “Good coverage options.”
  • “Trustworthy company.”

Pros:

• Affordable premiums
• Extensive online tools
• Good customer service

Cons:

• Mixed reviews on claims process
• Limited coverage options in some states

2. Progressive

• Website: www.progressive.com
• Contact Info: 1-800-776-4737
• Address: 6300 Wilson Mills Road, Mayfield Village, OH 44143
• Pricing: Starting at $30/month
• Customer Reviews:
  • “Great discounts.”
  • “Helpful customer service.”
  • “User-friendly app.”
  • “Fast claims processing.”
  • “Competitive prices.”
  • “Flexible payment options.”
  • “Good roadside assistance.”
  • “Easy policy management.”
  • “Wide range of coverage.”
  • “Reliable company.”

Pros:

• Numerous discounts
• Excellent mobile app
• Flexible coverage options

Cons:

• Higher rates for high-risk drivers
• Some customers report slow claims processing

3. State Farm

• Website: www.statefarm.com
• Contact Info: 1-800-782-8332
• Address: One State Farm Plaza, Bloomington, IL 61710
• Pricing: Starting at $35/month
• Customer Reviews:
  • “Great local agents.”
  • “Excellent customer support.”
  • “Easy to navigate website.”
  • “Quick claims process.”
  • “Comprehensive coverage.”
  • “Reasonable rates.”
  • “Good discounts.”
  • “Reliable service.”
  • “Personalized policies.”
  • “Long-standing reputation.”

Pros:

• Strong local agent network
• Reliable customer service
• Comprehensive coverage options

Cons:

• Higher premiums for younger drivers
• Limited online tools compared to competitors

4. Allstate

• Website: www.allstate.com
• Contact Info: 1-800-255-7828
• Address: 2775 Sanders Road, Northbrook, IL 60062
• Pricing: Starting at $40/month
• Customer Reviews:
  • “Excellent coverage.”
  • “Helpful agents.”
  • “User-friendly app.”
  • “Good discounts.”
  • “Responsive customer service.”
  • “Comprehensive policy options.”
  • “Easy claims process.”
  • “Reliable roadside assistance.”
  • “Flexible payment plans.”
  • “Trusted brand.”

Pros:

• Comprehensive coverage options
• Good customer service
• Reliable roadside assistance

Cons:

• Higher premiums for some drivers
• Mixed reviews on claims handling

5. USAA

• Website: www.usaa.com
• Contact Info: 1-800-531-8722
• Address: 9800 Fredericksburg Road, San Antonio, TX 78288
• Pricing: Starting at $20/month (members only)
• Customer Reviews:
  • “Excellent customer service.”
  • “Competitive rates.”
  • “Great military benefits.”
  • “User-friendly app.”
  • “Fast claims processing.”
  • “Comprehensive coverage.”
  • “Helpful representatives.”
  • “Good discounts.”
  • “Reliable service.”
  • “Trusted company.”

Pros:

• Excellent customer service
• Competitive rates for military members
• Comprehensive coverage options

Cons:

• Only available to military members and their families
• Limited local agent presence

6. Liberty Mutual

• Website: www.libertymutual.com
• Contact Info: 1-800-290-7933
• Address: 175 Berkeley Street, Boston, MA 02116
• Pricing: Starting at $30/month
• Customer Reviews:
  • “Good coverage options.”
  • “Helpful agents.”
  • “User-friendly website.”
  • “Competitive pricing.”
  • “Fast claims processing.”
  • “Reliable service.”
  • “Easy policy management.”
  • “Good discounts.”
  • “Responsive customer support.”
  • “Trusted brand.”

Pros:

• Wide range of coverage options
• Competitive pricing
• Good customer service

Cons:

• Higher premiums for some drivers
• Mixed reviews on claims process

7. Nationwide

• Website: www.nationwide.com
• Contact Info: 1-877-669-6877
• Address: One Nationwide Plaza, Columbus, OH 43215
• Pricing: Starting at $35/month
• Customer Reviews:
  • “Good customer service.”
  • “Competitive rates.”
  • “User-friendly app.”
  • “Comprehensive coverage.”
  • “Helpful agents.”
  • “Fast claims processing.”
  • “Reliable roadside assistance.”
  • “Good discounts.”
  • “Easy policy management.”
  • “Trusted company.”

Pros:

• Good customer service
• Competitive rates
• Reliable roadside assistance

Cons:

• Higher premiums for high-risk drivers
• Mixed reviews on claims handling

8. Farmers Insurance

• Website: www.farmers.com
• Contact Info: 1-888-327-6335
• Address: 6301 Owensmouth Avenue, Woodland Hills, CA 91367
• Pricing: Starting at $40/month
• Customer Reviews:
  • “Helpful agents.”
  • “Comprehensive coverage.”
  • “User-friendly website.”
  • “Good discounts.”
  • “Responsive customer service.”
  • “Fast claims processing.”
  • “Reliable roadside assistance.”
  • “Competitive rates.”
  • “Easy policy management.”
  • “Trusted brand.”

Pros:

• Comprehensive coverage options
• Good customer service
• Reliable roadside assistance

Cons:

• Higher premiums for some drivers
• Mixed reviews on claims process

9. Travelers

• Website: www.travelers.com
• Contact Info: 1-866-336-2077
• Address: 485 Lexington Avenue, New York, NY 10017
• Pricing: Starting at $35/month
• Customer Reviews:
  • “Good coverage options.”
  • “Competitive pricing.”
  • “User-friendly website.”
  • “Fast claims processing.”
  • “Helpful agents.”
  • “Reliable service.”
  • “Easy policy management.”
  • “Good discounts.”
  • “Responsive customer support.”
  • “Trusted company.”

Pros:

• Competitive pricing
• Good coverage options
• Reliable customer service

Cons:

• Higher premiums for some drivers
• Mixed reviews on claims handling

10. American Family Insurance

• Website: www.amfam.com
• Contact Info: 1-800-692-6326
• Address: 6000 American Parkway, Madison, WI 53783
• Pricing: Starting at $30/month
• Customer Reviews:
  • “Excellent customer service.”
  • “Competitive rates.”
  • “Comprehensive coverage.”
  • “User-friendly website.”
  • “Good discounts.”
  • “Fast claims processing.”
  • “Helpful agents.”
  • “Reliable roadside assistance.”
  • “Easy policy management.”
  • “Trusted brand.”

Pros:

• Excellent customer service
• Competitive rates
• Comprehensive coverage options

Cons:

• Higher premiums for some drivers
• Limited availability in some states

11. Erie Insurance

• Website: www.erieinsurance.com
• Contact Info: 1-800-458-0811
• Address: 100 Erie Insurance Place, Erie, PA 16530
• Pricing: Starting at $25/month
• Customer Reviews:
  • “Great local agents.”
  • “Competitive pricing.”
  • “Comprehensive coverage.”
  • “Fast claims processing.”
  • “Helpful customer service.”
  • “Good discounts.”
  • “Reliable service.”
  • “Easy policy management.”
  • “User-friendly website.”
  • “Trusted company.”

Pros:

• Competitive pricing
• Comprehensive coverage options
• Good customer service

Cons:

• Limited availability in some states
• Mixed reviews on claims handling

12. MetLife Auto & Home

• Website: www.metlife.com
• Contact Info: 1-800-638-5433
• Address: 200 Park Avenue, New York, NY 10166
• Pricing: Starting at $35/month
• Customer Reviews:
  • “Good coverage options.”
  • “Helpful agents.”
  • “User-friendly website.”
  • “Competitive pricing.”
  • “Fast claims processing.”
  • “Reliable service.”
  • “Easy policy management.”
  • “Good discounts.”
  • “Responsive customer support.”
  • “Trusted brand.”

Pros:

• Good coverage options
• Competitive pricing
• Reliable customer service

Cons:

• Higher premiums for some drivers
• Mixed reviews on claims handling

13. The Hartford

• Website: www.thehartford.com
• Contact Info: 1-800-423-6789
• Address: One Hartford Plaza, Hartford, CT 06155
• Pricing: Starting at $30/month
• Customer Reviews:
  • “Excellent customer service.”
  • “Competitive rates.”
  • “Comprehensive coverage.”
  • “User-friendly website.”
  • “Good discounts.”
  • “Fast claims processing.”
  • “Helpful agents.”
  • “Reliable roadside assistance.”
  • “Easy policy management.”
  • “Trusted brand.”

Pros:

• Excellent customer service
• Competitive rates
• Comprehensive coverage options

Cons:

• Higher premiums for some drivers
• Limited availability in some states

14. Amica Mutual Insurance

• Website: www.amica.com
• Contact Info: 1-800-242-6422
• Address: 100 Amica Way, Lincoln, RI 02865
• Pricing: Starting at $30/month
• Customer Reviews:
  • “Great customer service.”
  • “Competitive rates.”
  • “Comprehensive coverage.”
  • “User-friendly website.”
  • “Good discounts.”
  • “Fast claims processing.”
  • “Helpful agents.”
  • “Reliable service.”
  • “Easy policy management.”
  • “Trusted brand.”

Pros:

• Great customer service
• Competitive rates
• Comprehensive coverage options

Cons:

• Higher premiums for some drivers
• Limited availability in some states

15. Safeco Insurance

• Website: www.safeco.com
• Contact Info: 1-800-332-3226
• Address: 175 Berkeley Street, Boston, MA 02116
• Pricing: Starting at $30/month
• Customer Reviews:
  • “Good coverage options.”
  • “Helpful agents.”
  • “User-friendly website.”
  • “Competitive pricing.”
  • “Fast claims processing.”
  • “Reliable service.”
  • “Easy policy management.”
  • “Good discounts.”
  • “Responsive customer support.”
  • “Trusted brand.”

Pros:

• Good coverage options
• Competitive pricing
• Reliable customer service

Cons:

• Higher premiums for some drivers
• Mixed reviews on claims handling

16. Mercury Insurance

• Website: www.mercuryinsurance.com
• Contact Info: 1-800-503-3724
• Address: 1700 Greenbriar Lane, Brea, CA 92821
• Pricing: Starting at $25/month
• Customer Reviews:
  • “Great local agents.”
  • “Competitive pricing.”
  • “Comprehensive coverage.”
  • “Fast claims processing.”
  • “Helpful customer service.”
  • “Good discounts.”
  • “Reliable service.”
  • “Easy policy management.”
  • “User-friendly website.”
  • “Trusted company.”

Pros:

• Competitive pricing
• Comprehensive coverage options
• Good customer service

Cons:

• Limited availability in some states
• Mixed reviews on claims handling

17. Auto-Owners Insurance

• Website: www.auto-owners.com
• Contact Info: 1-800-288-8740
• Address: 6101 Anacapri Blvd, Lansing, MI 48917
• Pricing: Starting at $30/month
• Customer Reviews:
  • “Great customer service.”
  • “Competitive rates.”
  • “Comprehensive coverage.”
  • “User-friendly website.”
  • “Good discounts.”
  • “Fast claims processing.”
  • “Helpful agents.”
  • “Reliable service.”
  • “Easy policy management.”
  • “Trusted brand.”

Pros:

• Great customer service
• Competitive rates
• Comprehensive coverage options

Cons:

• Higher premiums for some drivers
• Limited availability in some states

18. Esurance

• Website: www.esurance.com
• Contact Info: 1-800-378-7262
• Address: 650 Davis Street, San Francisco, CA 94111
• Pricing: Starting at $25/month
• Customer Reviews:
  • “Good coverage options.”
  • “Helpful agents.”
  • “User-friendly website.”
  • “Competitive pricing.”
  • “Fast claims processing.”
  • “Reliable service.”
  • “Easy policy management.”
  • “Good discounts.”
  • “Responsive customer support.”
  • “Trusted brand.”

Pros:

• Good coverage options
• Competitive pricing
• Reliable customer service

Cons:

• Higher premiums for some drivers
• Mixed reviews on claims handling

19. The General

• Website: www.thegeneral.com
• Contact Info: 1-844-328-0306
• Address: 2636 Elm Hill Pike, Nashville, TN 37214
• Pricing: Starting at $20/month
• Customer Reviews:
  • “Affordable rates.”
  • “Helpful customer service.”
  • “Easy to navigate website.”
  • “Fast claims processing.”
  • “Good coverage options.”
  • “Reliable service.”
  • “User-friendly app.”
  • “Good discounts.”
  • “Easy policy management.”
  • “Trusted brand.”

Pros:

• Affordable rates
• Good customer service
• Reliable coverage options

Cons:

• Limited availability in some states
• Mixed reviews on claims handling

20. 21st Century Insurance

• Website: www.21st.com
• Contact Info: 1-877-401-8181
• Address: 3 Beaver Valley Road, Wilmington, DE 19803
• Pricing: Starting at $25/month
• Customer Reviews:
  • “Good coverage options.”
  • “Helpful agents.”
  • “User-friendly website.”
  • “Competitive pricing.”
  • “Fast claims processing.”
  • “Reliable service.”
  • “Easy policy management.”
  • “Good discounts.”
  • “Responsive customer support.”
  • “Trusted brand.”

Pros:

• Good coverage options
• Competitive pricing
• Reliable customer service

Cons:

• Higher premiums for some drivers
• Limited availability in some states

Comparison of Top 20 3rd Party Car Insurance Companies

Company	Starting Price	Customer Service	Claims Processing	Discounts	Coverage Options	Availability	Customer Reviews
GEICO	$25/month	Excellent	Fast	Good	Comprehensive	Nationwide	Affordable, reliable
Progressive	$30/month	Good	Fast	Numerous	Flexible	Nationwide	Great discounts
State Farm	$35/month	Excellent	Quick	Good	Comprehensive	Nationwide	Reliable service
Allstate	$40/month	Good	Easy	Good	Comprehensive	Nationwide	Trusted brand
USAA	$20/month	Excellent	Fast	Good	Comprehensive	Military only	Great military benefits
Liberty Mutual	$30/month	Good	Fast	Good	Wide range	Nationwide	Competitive pricing
Nationwide	$35/month	Good	Fast	Good	Comprehensive	Nationwide	Reliable roadside assistance
Farmers	$40/month	Good	Fast	Good	Comprehensive	Nationwide	Trusted brand
Travelers	$35/month	Good	Fast	Good	Comprehensive	Nationwide	Competitive pricing
American Family	$30/month	Excellent	Fast	Good	Comprehensive	Limited	Reliable service
Erie Insurance	$25/month	Good	Fast	Good	Comprehensive	Limited	Great local agents
MetLife	$35/month	Good	Fast	Good	Comprehensive	Nationwide	Competitive pricing
The Hartford	$30/month	Excellent	Fast	Good	Comprehensive	Limited	Trusted brand
Amica Mutual	$30/month	Great	Fast	Good	Comprehensive	Limited	Reliable service
Safeco	$30/month	Good	Fast	Good	Comprehensive	Nationwide	Competitive pricing
Mercury	$25/month	Good	Fast	Good	Comprehensive	Limited	Great local agents
Auto-Owners	$30/month	Great	Fast	Good	Comprehensive	Limited	Trusted brand
Esurance	$25/month	Good	Fast	Good	Comprehensive	Nationwide	Competitive pricing
The General	$20/month	Good	Fast	Good	Comprehensive	Limited	Affordable rates
21st Century	$25/month	Good	Fast	Good	Comprehensive	Limited	Competitive pricing