Top Rated Auto Insurance Company – Best 11

Looking for the top-rated auto insurance company to protect your wheels? Look no further! We’ve got you covered with a comprehensive list of the top rated auto insurance company in town. Whether you’re a cautious driver or an adventure-seeker, finding the right coverage is crucial. With so many options available, we understand that it can be overwhelming to make a decision.

That’s why we’ve done all the research for you! So sit back, relax, and let us guide you through our top picks for auto insurance companies that provide stellar protection and excellent customer service. Get ready to hit the road with peace of mind, knowing that your precious vehicle is in good hands!

Top Rated Auto Insurance Company – Best 11

1. By Miles Car Insurance

By Miles Car Insurance is an innovative and customer-focused insurance company that offers unique benefits to drivers. With their pay-per-mile model, you have complete visibility into the cost of the miles you’ve driven each day, down to the last penny. This allows you to keep track of your fuel usage and travel plan for fuel costs and accurately calculate the expenses for your future trips.

One standout feature of By Miles Car Insurance is their inclusion of No Claims Discount protection as a standard part of every policy at no extra cost. Unlike some insurers who may charge additional fees for this protection, By Miles understands the value of rewarding safe driving and ensures that you receive the benefits without any added expense.

Another advantage of choosing By Miles Car Insurance is their commitment to providing excellent customer service. They go beyond just being a claims department and are with you every mile of the way. Their user-friendly app allows you to easily contact their friendly support team via live chat whenever you need assistance or have questions.

Additionally, By Miles recognizes that sometimes you may need to drive further than usual. Whether it’s a long road trip or unexpected circumstances, they understand that certain days may require more extensive driving. In such cases, By Miles stops charging you for the day’s miles once you exceed 150, giving you peace of mind knowing that your insurance costs won’t escalate if you have an unusually lengthy journey.

Lastly, By Miles Car Insurance boasts an award-winning, UK-based claims team that is available 365 days a year. In the unfortunate event of an accident or theft, their dedicated team will provide the necessary support and guide you through the claims process. Depending on your car, they may even be able to assist in locating your vehicle if it has been stolen.

Website: https://www.bymiles.co.uk/

Address: Churchill Court, Westmoreland Road, Bromley, BR1 1DP

Email: hello@bymiles.co.uk

2. NFU Mutual Car Insurance

NFU Mutual Car Insurance is a top-rated auto insurance company that provides extensive coverage and benefits to ensure that you feel secure on the road. One of the standout features of their car insurance policy is the protection they offer if you’re hit by an uninsured driver. Not only will your No Claims Discount be protected, but you won’t have to pay any excess, and any legal costs will be covered up to £100,000, thanks to their Motor Legal Protection. This ensures that you won’t be left out of pocket in such unfortunate incidents.

In the event that your car requires repairs following an accident, NFU Mutual goes above and beyond by providing a small courtesy car in the UK while the repairs are being carried out by their approved repairers. If your car is written off or stolen, they will provide a courtesy car for up to 14 days. This guarantee ensures that you remain mobile and minimizes any inconvenience or disruption caused by the incident.

To further enhance their commitment to keeping you on the road, NFU Mutual includes Mutual Assist breakdown cover from the RAC as part of their car insurance policy. With this coverage, you can rest assured that help is just a phone call away, whether you encounter a flat tire, a dead battery, or any other roadside emergency.

Aside from these comprehensive benefits, NFU Mutual offers a range of additional features to give you peace of mind. Their car insurance policy includes Windscreen replacement with no reduction in your No Claims Discount, guarantee on repairs carried out by their approved repairers, coverage for theft or damage to child car seats, and the same level of cover while driving in most European countries.

Furthermore, NFU Mutual offers extended protection with their new car replacement feature. If you purchase a new UK model and it’s less than two years old when it’s stolen or written off, they will provide a new replacement car. This coverage extends for a whole year longer than many other insurers, ensuring that you can continue to enjoy the benefits of a new vehicle.

With its broad range of coverage options, including Mutual Assist breakdown cover, protection against uninsured drivers, courtesy cars during repairs, and additional features like windscreen replacement and new car replacement, NFU Mutual Car Insurance stands out as a top-rated auto insurance company. Their commitment to keeping you on the road, combined with their excellent customer service, makes them a reliable choice for your car insurance needs.

Website: https://www.nfumutual.co.uk/

Address: 37/39 Turners Hill, Cheshunt, Waltham Cross, EN8 8NP

Contact: 01992 879792

3. CSIS Car Insurance

CSIS Car Insurance is a top-rated auto insurance company that offers a wide range of key features and benefits to provide comprehensive coverage and peace of mind for drivers. One of the notable advantages of CSIS Car Insurance is their competitive pricing, allowing you to find an insurance policy that suits your budget. Additionally, they offer the option of a voluntary excess, which can help reduce premiums further.

When it comes to coverage options, CSIS Car Insurance offers both comprehensive and third-party fire and theft policies. This means that you can choose the level of coverage that best meets your needs and preferences.

To enhance the level of protection, CSIS Car Insurance provides optional motor legal and breakdown cover. With motor legal cover, you have access to legal advice and support in case of any legal issues related to your car. The breakdown cover ensures that you receive assistance in case of a breakdown, providing you with peace of mind knowing that help is just a phone call away.

CSIS Car Insurance prides itself on its high customer satisfaction rates, as evidenced by the fact that 8 out of 10 clients choose to renew their policies with them each year. This demonstrates the company’s commitment to delivering excellent service and meeting the needs of its customers.

Website: csis.co.uk/

Address: 1st Floor Gail House, Lower Stone Street, Maidstone, Kent, ME15 6NB

Email: INSURANCE@CSIS.CO.UK

Contact: 01622 766960

4. Aviva Car Insurance

Aviva Car Insurance is one of the top-rated auto insurance company that offers comprehensive coverage plans and a range of benefits to protect you and your vehicle. One of the key features of their car insurance policy is the coverage for loss or damage to your vehicle or battery. Whether your vehicle is stolen or damaged, or the battery is stolen or damaged, Aviva provides coverage to ensure that you are financially protected in such unfortunate circumstances.

Additionally, Aviva Car Insurance includes coverage for out-of-charge recovery for electric vehicles. If your electric vehicle runs out of charge, an RAC mechanic will come to your aid. They will either charge your battery to get you to a working charging point or transport you, your vehicle and your passengers to a working charging point or your home, whichever is closer. This ensures that you have assistance and support to get back on the road efficiently.

In the event of an accident with an uninsured driver that is not your fault, Aviva provides uninsured driver cover. This means that you can still receive compensation and coverage for damages caused by the uninsured driver, ensuring that you are not left out of pocket.

Aviva Car Insurance also offers vehicle recovery services. If your vehicle becomes immobile due to a breakdown or accident, Aviva will make it roadworthy with roadside repairs. Alternatively, they provide coverage for up to £150 for accommodation or public transport, enabling you to continue your journey without inconvenience.

Another advantageous feature of Aviva Car Insurance is the driving other cars coverage. If you are aged 25 or over, you are covered for driving someone else’s car, providing flexibility and convenience in certain situations.

To provide further protection, Aviva includes motor injury protection. This coverage extends to you, your partner, and named drivers, providing financial support in the unfortunate event of death or injury resulting from a car accident.

Website: https://www.aviva.co.uk/

Address: NCD Validation Team, PO Box 3445, Norwich, NR1 3GS

Contact: 0345 030 6925

5. Admiral Car Insurance

Admiral Car Insurance is a top-rated auto insurance company that offers a range of plans to suit different coverage needs. Their plans include:

1. Comprehensive car insurance: This is the highest level of insurance offered by Admiral. It provides coverage for third-party, fire & theft and also covers the cost of repairing or replacing your car if it is involved in an accident or damaged maliciously. In addition to these standard benefits, Admiral’s comprehensive car insurance plans often come with extra benefits such as windscreen cover and extended cover for driving outside the UK. This level of coverage provides extensive protection for your vehicle and offers peace of mind on the road.
2. Third party, fire, and theft: This level of cover not only pays out to a third party if you are involved in an incident, but it also protects your car from damage caused by fire or theft. However, it does not cover the cost of repairing your car if it is damaged in another way, such as a crash. While it may not offer as comprehensive coverage as the comprehensive car insurance plans, third-party, fire, and theft insurance can still provide valuable protection against specific risks.
3. Third party only: This is the most basic level of car insurance required by law. With this level of cover, the Admiral will pay out the other driver involved in an accident, but you won’t be able to claim for damage to your own car. While limited in coverage, this option satisfies legal requirements and provides a minimal level of protection for drivers who primarily want to fulfill their legal obligations at a lower cost.

Admiral Car Insurance caters to different budget and coverage needs with their various levels of plans. Whether you require comprehensive coverage or protection against specific risks like fire and theft or simply want the minimum legal requirements, Admiral offers options to accommodate your preferences.

Website: https://www.admiral.com/

6. Tesco Car Insurance

Tesco Car Insurance offers a range of coverage options as one of the top rated auto insurance company to meet the needs of different customers. Here is a breakdown of their coverage levels:

1. Bronze: This is the basic level of coverage offered by Tesco Car Insurance. It includes a courtesy car and windscreen cover, indicated by blue tick icons. The minimum compulsory excess for this level is £200.
2. Silver: The Silver coverage level enhances the benefits provided at the Bronze level. In addition to the courtesy car and windscreen cover, it also includes a 90-day comprehensive EU cover. The minimum compulsory excess for this level is reduced to £100.
3. Gold: The Gold level offers even more comprehensive protection. It includes all the features of the Bronze and Silver levels, such as the courtesy car, windscreen cover, and 90-day comprehensive EU cover. Additionally, the Gold level provides enhanced benefits, including a £0 minimum compulsory excess.
4. Comprehensive: This is the highest level of coverage offered by Tesco Car Insurance. It includes all the features mentioned in the previous levels, along with the uninsured driver promise. The uninsured driver promise ensures that if you’re hit by an uninsured driver, and it’s not your fault, your no-claims discount will not be affected. It offers the most extensive protection for your vehicle.

Website: https://www.tescobank.com/car-insurance

Contact: 0113 209 3098

7. Go Skippy Car Insurance

Go Skippy Car Insurance is a well-known and trusted auto insurance company that offers a range of coverage options for drivers. With their competitive rates and excellent customer service, it’s no wonder they have made it onto the list of top-rated auto insurance companies.

Go Skippy Car Insurance offers a range of additional cover options to enhance your policy and provide you with extra peace of mind. Here are some of the key features:

1. RAC Breakdown: With GoSkippy breakdown cover, you receive 24/7 roadside assistance provided by RAC all year round. This ensures that you have support whenever you need it in case of any breakdown or roadside emergencies.
2. Legal expenses cover: To protect yourself from unexpected legal costs, Go Skippy offers legal expenses cover. For just £25.99 per annum, you will be covered for any legal expenses that may arise in relation to your car insurance policy.
3. Vehicle Assist: For an additional £33.99 per year, Go Skippy provides vehicle assist, which gives you access to a replacement vehicle for up to 14 days in the event that your car is involved in an accident or needs repairs.
4. Personal Injury & Accidental Death: In the unfortunate event that you, your spouse, or your civil partner are injured in a serious accident, Go Skippy offers coverage of up to £30,000. This financial protection provides support during difficult times.
5. Excess protection: Go Skippy’s excess protection policy enables you to claim back your compulsory excess. This means that if you have to pay an excess amount in the event of a claim, you can recover that cost through this optional policy.
6. Windscreen cover: For just £33.99 per annum, you can add windscreen cover to your Go Skippy car insurance policy. This covers the repair or replacement of your windscreen and other car windows, ensuring that you’re protected against unexpected costs associated with their damage.

By offering these additional cover options, Go Skippy Car Insurance aims to provide comprehensive protection for its customers, covering not only standard car insurance needs but also providing extra benefits and services to enhance the overall policy.

Website: https://goskippy.com/

Contact: 0344 840 6302

8. Hastings Direct Car Insurance

Hastings Direct Car Insurance is one of the top-rated auto insurance companies that you should consider when looking for reliable coverage. With their commitment to providing excellent customer service and competitive rates, it’s no wonder why they have gained a strong reputation in the industry.

Hastings Direct Car Insurance offers a range of coverage options across their different policy types: Hastings Essential, Hastings Direct, and Hastings Premier. Here is a breakdown of the features offered in each policy:

1. Courtesy Car: All policy types, including Hastings Essential, Hastings Direct, and Hastings Premier, provide a courtesy car to ensure you can carry on with your daily activities while your car is being repaired following an accident or claim.
2. EU Cover: Hastings Direct offers EU cover, allowing you to extend your policy’s coverage to other European Union countries. This add-on feature provides peace of mind when traveling abroad.
3. Driving Other Cars (Subject to Insurer Approval): With Hastings Direct and Hastings Premier policies, you may have the option to drive other cars with insurer approval. This additional coverage offers flexibility when you need to drive a different vehicle.
4. Windscreen Cover: Hastings Direct and Hastings Premier policies include windscreen cover to protect against damage to your windscreen. This ensures that you won’t bear the financial burden of repairing or replacing your windscreen.
5. Vandalism Promise: Hastings Direct and Hastings Premier policies include a vandalism promise. This means that if your car is vandalized, your no-claims discount won’t be affected when making a claim for this type of damage.
6. Uninsured Driver Promise: Both Hastings Direct and Hastings Premier policies include an uninsured driver promise. If you’re hit by an uninsured driver, and it’s not your fault, your no-claims discount will be protected, ensuring you’re not penalized for someone else’s lack of insurance.
7. Personal Belongings Cover: Hastings Direct and Hastings Premier policies offer personal belongings cover, protecting your personal items that may be stolen or damaged while in your car.
8. Motor Legal Expenses: Motor legal expenses coverage is available for an additional cost of £29.99 with all three policy types – Hastings Essential, Hastings Direct, and Hastings Premier. This cover provides financial protection for any legal costs that may arise as a result of a road accident or dispute.
9. RAC Breakdown: All three policy types offer optional RAC breakdown cover starting from £34.99. This gives you access to 24/7 roadside assistance and breakdown recovery services, providing peace of mind during your journeys.
10. 24/7 Claims Helpline: All policy types from Hastings Direct offer a dedicated 24/7 claims helpline, ensuring you can report accidents, make claims, and receive assistance whenever you need it. This service is designed to provide quick and convenient support throughout the claims process.
11. Manage Your Policy 24/7: All policy types allow you to manage your policy 24/7, giving you the flexibility to make changes, update information, and access important documents at any time.

With these features and options, Hastings Direct aims to provide comprehensive coverage and excellent customer support to ensure you have peace of mind on the road.

Website: https://www.hastingsdirect.com/

9. M & S Car Insurance

M & S Car Insurance is a reliable and trusted option for those looking to protect their vehicles on the road. With competitive rates and comprehensive coverage, M & S has earned its place among the top-rated auto insurance companies. M & S Car Insurance offers a range of features and benefits to provide comprehensive coverage and support to its customers. Here are the key features:

1. Personal Injury: In the unfortunate event that you or your spouse is injured in a car accident, M & S Car Insurance allows you to claim up to £10,000 for injuries sustained.
2. Legal Expenses: If you’re involved in a car accident that is not your fault, M & S Car Insurance provides legal expense coverage. This ensures that your legal fees are taken care of, up to a limit of £100,000, to help you and your passengers claim for uninsured losses. The case must have a reasonable chance of success.
3. RAC European and UK Breakdown Cover: M & S Car Insurance includes RAC European and UK breakdown cover as standard. This means that you’re covered in case of breakdowns, even if you’re a passenger in another car. Optional levels of breakdown cover can be added to standard policies to cover your vehicle specifically, excluding costs of parts, fuel, or other supplies.
4. Extended Coverage for Trips: Planning a holiday? With M & S Car Insurance, you get up to 90 days’ coverage while using your car in countries referred to in your policy documents. This provides peace of mind when traveling abroad and ensures that your coverage remains consistent with your UK policy.
5. Nationwide Approved Repair Centre: In the event that your car is damaged and you need to make a claim, M & S Car Insurance will arrange for it to be repaired at a nationwide approved repair center. This comes with a 3-year guarantee on all replacement parts and repairs, giving you confidence in the quality of the repairs.
6. Replacement Child Seats: M & S Car Insurance offers coverage of up to £150 per seat for replacement child seats, whether they are damaged or not, following an accident. This ensures the safety of your child and provides financial support to replace the seats if necessary.

With these features and benefits, M & S Car Insurance aims to provide comprehensive coverage and support in case of accidents, breakdowns, and other unexpected events.

Website: https://bank.marksandspencer.com/insurance/car-insurance/

Contact: 0345 600 5860

10. Sheilas Wheels Car Insurance

Sheilas Wheels Car Insurance is also a top-rated auto insurance company that caters specifically to female drivers. Their car insurance offers a comprehensive range of benefits to ensure the safety and peace of mind of their policyholders. Let’s break down the key features:

1. Unlimited Legal Liability Cover: Shelia’s Wheels provides unlimited coverage for legal liability in the unfortunate event that you cause death or injury to another person while driving. This ensures that you are financially protected and can handle any legal expenses that may arise.
2. Property Damage Coverage: With up to £20 million in coverage, Shelia’s Wheels ensures that any damage you cause to another person’s property with your car is fully taken care of. This includes damages to vehicles, buildings, or any other property affected by the accident.
3. Courtesy Car Service: In the event of an accident, Shelia’s Wheels offers a courtesy car while your vehicle is being repaired at one of their recommended repairers. This ensures that you have a means of transportation and can go about your daily activities without inconvenience.
4. 5-Year Repair Guarantee: When your vehicle is being repaired by one of Shelia’s Wheels’ recommended repairers, you benefit from a 5-year repair guarantee. This means that any repairs conducted on your motor are guaranteed to be of high quality and reliable for the long term.
5. In-Car Entertainment Cover: If your permanently fitted electronic equipment gets damaged, Shelia’s Wheels provides coverage to repair or replace it. This includes coverage for any audio systems, navigation devices, or other electronic components that are part of your vehicle’s entertainment system.
6. Windscreen Cover: Shelia’s Wheels understands that windscreen damage can be a common issue. That’s why they offer comprehensive coverage for repairing or replacing your windscreen. From small chips to big cracks, their specialists ensure top-quality service to keep your windscreen in excellent condition.
7. Handbag Cover: Shelia’s Wheels also provides coverage for your handbag and its contents if it gets lost or stolen from your car. You can receive up to £200 to replace your handbag and anything inside it, offering added protection for your personal belongings.

Website: https://www.sheilaswheels.com/

Contact: 0345 045 2000

11. LV Car Insurance

LV Car Insurance is a highly regarded auto insurance provider that offers a range of impressive features and benefits. Let’s explore the key features under this subheading:

1. Windscreen Repair and Replacement: LV Car Insurance understands the importance of maintaining a clear and undamaged windscreen. That’s why they provide coverage for all the glass in your car under their windscreen cover. The best part is that making windscreen claims will not affect your No Claim Discount (NCD), allowing you to retain your discount even if you need to repair or replace your windscreen.
2. Earning No Claim Discount (NCD): LV Car Insurance rewards responsible drivers who remain claim-free with a No Claim Discount (NCD). For every year without a claim, you earn a year of NCD, which results in a discount on your car insurance premium. Additionally, if you are involved in an accident that isn’t your fault, and LV Car Insurance successfully recovers the costs from the other driver’s insurer, your NCD will remain unaffected.
3. Accidental Damage Cover: LV Car Insurance goes the extra mile by covering repairs for accidental damage to your vehicle. Whether your car has been scratched or dented, they will pay for the repairs needed to restore it to its previous condition before the accident occurred. This ensures that your car looks as good as new without any financial burden on your end.
4. Uninsured Driver Promise: LV Car Insurance provides added protection in cases where the other driver involved in an accident is uninsured and the accident is not your fault. In such situations, you can rest assured knowing that you will keep your No Claim Discount, and there will be no excess to pay—provided you have the necessary details of the other vehicle and driver.
5. 5% Discount for Online Purchase: When you purchase car insurance from LV online, you can enjoy a 5% discount on your premium. This is an exclusive benefit designed to make your insurance more affordable and accessible.
6. Lifetime Guarantee on Repairs: LV Car Insurance provides a lifetime guarantee on repairs when you use their recommended repairer service. This guarantee covers the labor required for repairs, ensuring that you have peace of mind knowing your vehicle is in capable hands. Please note that the guarantee pertains to labor costs only and excludes parts.

LV Car Insurance’s commitment to providing comprehensive coverage and benefits is demonstrated through their windscreen repair and replacement, NCD rewards, accidental damage cover, uninsured driver promise, online purchase discount, and a lifetime guarantee on repairs. By choosing LV Car Insurance, you can trust that your insurance needs are well taken care of.

Website: https://www.lv.com/car-insurance

Contact: 0330 678 5590

Conclusion

Finding the right auto insurance company can be a daunting task, but with our list of top-rated options, you can feel confident that you’re making an informed decision. Each of these companies has earned its reputation through excellent customer service, competitive rates, and comprehensive coverage options.