Best Car Insurance Companies: Our analysis reveals that Nationwide is the top choice for auto insurance, thanks to its excellent balance of cost, coverage, and claims handling. USAA, Travelers, and Erie also rank highly, offering strong alternatives.
8 Best Car Insurance Companies in 2024
We assessed insurers nationwide to find the best options for drivers. Our analysis found that Nationwide is the best overall auto insurance company, closely followed by USAA, Travelers, and Erie. We evaluate insurers nationwide based on costs, coverage options, complaint processes, and claims.
01. Nationwide Car Insurance Overview
Overall Rating: 5.0
Key Highlights
- Average Annual Cost for Good Drivers: $1,436
- Collision Repair Grade: C
- Digital Experience: Average
Advantages
- Competitive Rates: Offers some of the cheapest rates for teens and seniors.
- Additional Coverage Options: Includes accident forgiveness, gap insurance, new car replacement, and decreasing deductible options.
- Pay-per-mile Insurance: SmartMiles program for low-mileage drivers.
- Low Complaint Levels: Fewer complaints compared to the industry average.
- Customer Experience: Positive reception for customer experience improvements.
- Availability: Available in 46 states and Washington, DC.
Disadvantages
- High Costs for DUI Drivers: Higher rates for drivers with a DUI compared to some competitors.
- No Rideshare Insurance: This does not offer insurance for rideshare drivers.
- Collision Repair Quality: Consistently rated C by repair specialists, indicating average claims handling.
Trends in Complaints and Collision Repair Quality
- Complaints: Decreased in recent years, consistently below industry average.
- Collision Repair Quality:
- # 2021: C
- # 2022: C
- # 2023: C
- # 2024: C
Expert Opinions
- Editor’s Opinion: Nationwide impresses with great rates and many additional coverage offers. Competitive rates for different driving histories and ages, with low complaint levels.
- Expert Opinion (Marty Ellingsworth): Solid, full-featured products at competitive prices. Positive consumer reception for efforts to improve customer experience.
States Where Nationwide Auto Insurance is Available
- Available in: 46 states and Washington, DC.
- Not Available in: Alaska, Hawaii, Louisiana, and Massachusetts.
Conclusion
Nationwide Auto Insurance offers a solid balance of competitive pricing, especially for teens and seniors, and a range of useful additional coverage options. Despite its average collision repair grade and lack of rideshare insurance, its decreasing complaint levels and positive customer experience efforts make it a strong contender in the auto insurance market.
Also Read: Best Car Insurance Companies
02. USAA Car Insurance Overview
Overall Rating: 4.8
Key Highlights
- Average Annual Cost for Good Drivers: $1,364
- Collision Repair Grade: D+
- Digital Experience: Average
Advantages
- Low Cost for Military Community: Lowest average rate for good drivers among top-rated companies, catering specifically to the needs of military members, veterans, and their families.
- Additional Coverage Options: Includes accident forgiveness, new car replacement, and rideshare insurance.
- Low Complaint Levels: Maintains a low level of complaints.
- Eligibility for Military Community: Exclusively available to military members, veterans, and their families, offering tailored services and understanding of their specific needs.
Disadvantages
- Eligibility Restrictions: Only available to veterans, active military members, and their immediate families.
- No Gap Insurance: Does not offer gap insurance.
- Collision Repair Quality: Rated D+ by repair professionals for collision repair claims handling processes.
Trends in Complaints and Collision Repair Quality
- Complaints: Improved slightly over the past three years, moving from slightly above the industry average to just below it.
- Collision Repair Quality:
- # 2021: C+
- # 2022: C
- # 2023: C-
- # 2024: D+
Expert Opinions
- Editor’s Opinion: USAA is ideal for military community members due to its low-cost auto insurance for various driving records and ages. The company’s deep understanding of the military community’s needs and its specific services make it highly recommended.
- Expert Opinion (Marty Ellingsworth): USAA is unmatched in its focus on active-duty military vehicle owners. Potential expansion of eligibility would be welcomed by all military family members who previously could not receive a USAA number directly.
States Where USAA Auto Insurance is Available
- Available in: All 50 states and Washington, DC.
Conclusion
USAA Auto Insurance is highly recommended for military members, veterans, and their families due to its low costs, tailored services, and additional coverage options. Despite its poor collision repair grade and lack of gap insurance, its focus on the military community and low complaint levels make it an excellent choice for those eligible.
Also Read: Best Travel Insurance Companies
03. Travelers Car Insurance Overview
Overall Rating: 4.7
Key Highlights
- Average Annual Cost for Good Drivers: $1,521
- Collision Repair Grade: C
- Digital Experience: Average
Advantages
- Rates for Various Driver Types: Offers decent rates for a variety of drivers, including those with speeding tickets or who have caused an accident.
- Additional Coverage Options: Includes accident forgiveness, minor infraction forgiveness, new vehicle replacement coverage, decreasing deductible, and deductible waiver if your car is totaled under a Premier policy.
- Low Complaint Levels: Maintains a very low level of complaints.
- Responsible Driver Plan: Provides benefits like accident forgiveness and minor infraction forgiveness.
Disadvantages
- Limited Rideshare Insurance: Offers rideshare insurance, but only in a couple of states.
- No SR-22: Does not offer SR-22 insurance.
Trends in Complaints and Collision Repair Quality
- Complaints: Has consistently had very low levels of complaints.
- Collision Repair Quality:
- # 2021: C+
- # 2022: C+
- # 2023: C
- # 2024: C
Expert Opinions
- Editor’s Opinion: Travelers is a good option for drivers with various records, including speeding tickets. The company offers a range of additional coverage options and has low complaint levels.
- Expert Opinion (Marty Ellingsworth): Travelers provides a sense of security with its reliable service, represented by the iconic red umbrella logo.
States Where Travelers Auto Insurance is Available
- Available in: 42 states and Washington, DC.
- Not Available in:
- # Alaska
- # Hawaii
- # Louisiana
- # Michigan
- # North Dakota
- # South Dakota
- # West Virginia
Conclusion
Travelers Auto Insurance is an excellent choice for drivers with speeding tickets due to its decent rates and comprehensive coverage options. Despite its average collision repair grade and limited rideshare insurance availability, its low complaint levels and additional coverage benefits make it a solid option for those with infractions on their driving records.
04. Erie Car Insurance Overview
Overall Rating: 4.6
Key Highlights
- Average Annual Cost for Good Drivers: $1,642
- Collision Repair Grade: A-
- Digital Experience: Poor
Advantages
- Rates for Drivers Who Caused an Accident: Erie offers fantastic rates for drivers who have caused an accident, as well as affordable rates for other driver profiles.
- High Collision Repair Score: Excellent ratings in the collision repair claims process.
- Low Complaint Levels: Maintains a low level of complaints.
- Coverage Options: Offers gap insurance, new car replacement coverage, accident forgiveness, and decreasing deductibles.
- Rate Lock: Erie’s Rate Lock keeps your price the same year after year unless you make specific changes to your policy, like adding a car.
Disadvantages
- High Rates for Drivers with Bad Credit: Rates for drivers with bad credit are quite high.
- Poor Digital Experience: Low-rated mobile app and poor digital experience.
- Limited Availability: Only available in 12 states.
Trends in Complaints and Collision Repair Quality
- Complaints: Erie’s complaint level has fluctuated but is currently just below the industry average.
- Collision Repair Quality:
- # 2021: A-
- # 2022: B+
- # 2023: A-
- # 2024: A-
Expert Opinions
- Editor’s Opinion: Erie is highly recommended for drivers who have caused an accident due to its excellent rates and high collision repair ratings. Its low complaint levels and comprehensive coverage options add to its appeal.
- Expert Opinion (Marty Ellingsworth): Erie is a super-regional insurer with a strong focus on customer satisfaction.
States Where Erie Auto Insurance is Available
- Available in: 12 states and Washington, DC:
- # Illinois
- # Indiana
- # Kentucky
- # Maryland
- # New York
- # North Carolina
- # Ohio
- # Pennsylvania
- # Tennessee
- # Virginia
- West Virginia
- Wisconsin
Conclusion
Erie Auto Insurance is an excellent choice for drivers who have caused an accident, thanks to its competitive rates and high collision repair ratings. Despite its limited availability and poor digital experience, Erie’s low complaint levels and comprehensive coverage options make it a solid option for many drivers.
05. Progressive Car Insurance Overview
Overall Rating: 4.4
Key Highlights
- Average Annual Cost for Good Drivers: $1,826
- Collision Repair Grade: C
- Digital Experience: Good
Advantages
- Rates for Drivers with DUI: Progressive offers the cheapest rates for drivers with prior DUI records among the companies reviewed.
- Low Complaint Levels: Progressive has a low level of complaints, which offsets its mediocre rates for good drivers and those who have caused accidents.
- Coverage Options: Offers accident forgiveness, gap insurance, decreasing deductibles, non-owner auto insurance, and SR-22 filings.
- Teacher Discounts: Provides an average discount of 13% for teachers.
Disadvantages
- Rates for Older Drivers and Teens: Rates are mediocre for older drivers and those adding a teenager to their policy.
- Usage-Based Program (Snapshot): Good drivers can receive a discount through the Snapshot program, but rates may increase for those with low driving scores. Progressive notes that rates increase for about 20% of Snapshot users.
Trends in Complaints and Collision Repair Quality
- Complaints: Progressive’s complaint levels have consistently been below the industry average and have declined each year for the past three years.
- Collision Repair Quality:
- # 2021: C
- # 2022: C
- # 2023: C
- # 2024: C
Expert Opinions
- Editor’s Opinion: Progressive is highly recommended for drivers with a DUI record due to its competitive rates and low complaint levels. Despite mediocre rates for other driver profiles, Progressive’s comprehensive coverage options and good digital experience make it a solid choice.
- Expert Opinion (Marty Ellingsworth): Progressive has a long history of focusing on impaired drivers and excels in using data obtained through smartphones to offer drivers insights into their driving behavior.
States Where Progressive Auto Insurance is Available
- Available in: All 50 states and Washington, DC.
Conclusion
Progressive Auto Insurance is an excellent choice for drivers with a DUI record due to its competitive rates and low complaint levels. While its rates for older drivers and those adding a teenager to their policy are mediocre, Progressive’s comprehensive coverage options, good digital experience, and specialized programs for impaired drivers make it a strong contender in the auto insurance market.
06. Geico Car Insurance Overview
Overall Rating: 4.2
Key Highlights
- Average Annual Cost for Good Drivers: $1,597
- Collision Repair Grade: C-
- Digital Experience: Very Good
Advantages
- Rates for Drivers with Bad Credit: Geico offers relatively cheap insurance for drivers with bad credit, which is typically a high-cost segment.
- Competitive Pricing: Provides competitive rates for a variety of driver profiles, including seniors and parents adding a teen driver to their policy.
- Coverage Options: Offers accident forgiveness, non-owner policies, and SR-22 filings.
- Low Complaint Levels: Geico has maintained a low level of complaints filed with state insurance departments.
- Digital Experience: Received a 5-star rating for its digital experience.
Disadvantages
- Lack of Coverage Features: Does not offer gap insurance, new car replacement, decreasing deductible, or rideshare insurance.
- Collision Repair Quality: Has consistently received a C- rating from body shop repair professionals, indicating room for improvement in its complaint redress procedures.
Trends in Complaints and Collision Repair Quality
- Complaints: Geico has maintained low complaint levels for the past three years.
- Collision Repair Quality:
- # 2021: C-
- # 2022: C-
- # 2023: C-
- # 2024: C-
Expert Opinions
- Editor’s Opinion: Geico is a strong choice for drivers with bad credit due to its relatively cheap insurance rates. It also offers competitive pricing for other driver profiles and maintains low complaint levels. Its top-rated digital experience is a significant advantage.
- Expert Opinion (Marty Ellingsworth): Geico’s internal benchmarking of the risk process allows it to offer more competitive pricing for drivers with bad credit compared to other insurers.
States Where Geico Auto Insurance is Available
- Available in: All 50 states and Washington, DC.
Conclusion
Geico Auto Insurance is an ideal option for drivers with bad credit due to its competitive rates and low complaint levels. While it lacks certain coverage features such as gap insurance and rideshare insurance, its strong digital experience and good rates for a variety of driver profiles make it a solid choice in the auto insurance market.
07. Westfield Car Insurance Overview
Overall Rating: 4.2
Key Highlights
- Average Annual Cost for Good Drivers: $1,984
- Collision Repair Grade: B
- Digital Experience: Very Poor
Advantages
- Family Discounts: Westfield offers various family discounts, including those for teen drivers and adult children who get their own Westfield auto insurance policies.
- Competitive Rates: Provides competitive car insurance rates for many driver profiles.
- Coverage Options: Offers gap insurance, new car replacement, and accident forgiveness.
- Low Complaint Levels: Consistently maintains a very low level of complaints about its auto insurance.
Disadvantages
- High Costs for DUI Drivers: Westfield has the highest average car insurance cost for drivers with a DUI among the companies analyzed.
- Poor Digital Experience: Lacks a mobile app and online quotes, contributing to a very poor digital experience.
- Limited Availability: Only available in 10 states.
Trends in Complaints and Collision Repair Quality
- Complaints: Westfield has consistently had low complaint levels, though data for the most recent year is unavailable.
- Collision Repair Quality:
- 2021: B
- 2022: B
- 2023: B
- 2024: B
Expert Opinions
- Editor’s Opinion: Westfield is notable for its various family discounts, which make it an attractive option for families. It also offers competitive rates for multiple driver profiles and has a good track record for collision claims processes.
- Expert Opinion (Marty Ellingsworth): Westfield’s family discounts demonstrate its customer-focused approach, which also helps improve customer retention by rewarding households.
States Where Westfield Auto Insurance is Available
- Available in:
- # Indiana
- # Illinois
- # Iowa
- # Kentucky
- # Ohio
- # Michigan
- # Minnesota
- # Pennsylvania
- # Tennessee
- # West Virginia
Conclusion
Westfield Auto Insurance is an excellent choice for families looking for discounts, with competitive rates and strong coverage options. Its consistent B rating for collision repair quality indicates reliable claims handling. However, its high costs for drivers with a DUI and poor digital experience are notable drawbacks. Additionally, availability is limited to only 10 states.
08. Auto-Owners Insurance Overview
Best for New Cars
- Rating: 4.0
- Average Annual Cost for Good Drivers: $1,855
- Collision Repair Grade: B
- Digital Experience: Very Poor
Advantages
- Purchase Price Guarantee: Pays the original purchase price if your car is totaled within the first two years.
- New Car Total Loss Coverage: Replace a totaled vehicle with a new one if the loss occurs within 90 days of purchase.
- Additional Coverage: Offers gap insurance, accident forgiveness, and a decreasing deductible.
- Low Complaint Level: Fewer complaints compared to the industry average.
- Collision Repair Rating: Received a high rating (B) from collision experts for its claim processes.
Disadvantages
- High Rates: Elevated premiums for drivers with bad credit and parents adding teenage drivers.
- SR-22 Filings: Not accepted.
- Digital Experience: Poor digital experience with no online quotes and limited live chat options.
Trends in Complaints and Collision Repair Quality
- Complaints: Consistently fewer complaints than the industry average over the past three years.
- Collision Repair Ratings:
- # 2021: B+
- # 2022: B+
- # 2023: B
- # 2024: B
States Available
Auto-Owners car insurance is available in 26 states:
- # Alabama
- # Arizona
- # Arkansas
- # Colorado
- # Florida
- # Georgia
- # Idaho
- # Illinois
- # Indiana
- # Iowa
- # Kansas
- # Kentucky
- # Michigan
- # Minnesota
- # Missouri
- # Nebraska
- # North Carolina
- # North Dakota
- # Ohio
- # Pennsylvania
- # South Carolina
- # South Dakota
- # Tennessee
- # Utah
- # Virginia
- # Wisconsin
Also Read: 10 Best Life Insurance Companies
Best Car Insurance Companies
Our analysis finds that Nationwide, USAA, Traveler, and Erie are the best car insurance companies. They all receive more than 4.5 stars (out of 5) in our ratings. The best auto insurance company for you will depend on your driving history, condition, and other individual factors. We recommend comparing auto insurance quotes since the company with the lowest rates will depend on your specific profile.
Best Overall: Nationwide
Nationwide is the best overall auto insurance company thanks to its great rates for a variety of driving records and driver ages, its wide range of coverage options, and its low level of complaints. Nationwide’s average rate for good drivers is 29% lower than the national average. It has the cheapest rates for drivers with bad credit, parents who have a teen driver, and drivers between 65 and 80 years old, among the companies we evaluated.
Company
| Company | National Average |
|---|---|
| USAA* | $1,364 |
| On a national scale | $1,436 |
| Travelers | $1,521 |
| Geico | $1,597 |
| Erie | $1,642 |
| Progressive | $1,826 |
| Car owners | $1,855 |
| Westfield | $1,984 |
| National average | $2,026 |
*USAA is available only to military members, veterans, and their families.
Best Choice for Military Members: USAA
USAA is the best auto insurance option for members of the military year after year, with its consistently affordable rates and variety of coverage options. USAA sells exclusively to members of the armed forces, veterans, and their families. It offers a discount of up to 60% if you store your car while deployed and up to 15% for drivers who store their cars in a garage on a base.
USAA’s average rate for good drivers is 33% lower than the national average. Costs for those who receive a speeding ticket are 34% lower and 35% lower for drivers who caused an injury accident.
Average Annual USAA Auto Insurance Costs
| Driving history | Cost per year | National average |
|---|---|---|
| Good drivers | $1,364 | $2,026 |
| Drivers fined for speeding | $1,661 | $2,533 |
| Drivers with a conviction for DUI | $2,604 | $3,363 |
| Drivers who caused an accident with injuries | $1,958 | $3,009 |
| Drivers with bad credit | $2,450 | $3,847 |
Ideal for Drivers with a Speeding Ticket: Travelers
Travelers offer low-cost insurance for drivers with a speeding ticket. While their rates aren’t the cheapest, they are 19% lower than the national average for drivers with a speeding violation. We found that Travelers’ average insurance cost after a speeding ticket is lower than many of its competitors.
Company
| Company | National Average |
|---|---|
| USAA* | $1,661 |
| On a national scale | $1,878 |
| Erie | $1,899 |
| Travelers | $2,062 |
| Geico | $2,150 |
| Westfield | $2,335 |
| Progressive | $2,350 |
| Car owners | $2,457 |
| National average | $2,533 |
*USAA is available only to military members, veterans, and their families.
Best for Drivers Who Caused an Accident: Erie
Erie has the best rates for drivers who cause an accident with injuries or property damage. USAA is a little cheaper for both, but their policies are only available to military members, veterans, and their families.
Causing an accident entails an average increase of 49% if there are injuries and 48% if there is property damage. Erie’s costs only increase by 35% if an injury accident is caused and only 29% if property damage is caused.
Company
| Company | Average annual cost after accident with injuries | Average annual cost after an accident with material damage |
|---|---|---|
| USAA* | $1,958 | $2,021 |
| Erie | $2,224 | $2,125 |
| Travelers | $2,293 | $2,215 |
| On a national scale | $2,337 | $2,298 |
| Car owners | $2,539 | $2,539 |
| Geico | $2,748 | $2,718 |
| Progressive | $2,770 | $2,818 |
| Westfield | $2,901 | $2,901 |
| National average | $3,009 | $2,994 |
*USAA is available only to military members, veterans, and their families.
Best Option for Drivers with a History of DUI: Progressive
Progressive offers the cheapest rates for drivers with prior drunk driving records among the companies we reviewed. A drunk driving offense is considered a serious offense, so it can significantly increase the price of your insurance. Our analysis found that rates increase 71% on average for drivers with prior drunk driving records, but Progressive’s rates only increase 26%.
Company
| Company | Average cost per year for a driver with a DUI |
|---|---|
| Progressive | $2,307 |
| USAA* | $2,604 |
| Travelers | $2,610 |
| Erie | $2,665 |
| On a national scale | $3,083 |
| Car owners | $3,578 |
| Geico | $3,723 |
| Westfield | $4,577 |
| National average | $3,363 |
*USAA is available only to military members, veterans, and their families.
Ideal for Drivers with Bad Credit: Geico
Geico offers lower rates to drivers with bad credit compared to other major insurers. Their rates are also 36% cheaper than the national average.
Company
| Company | Average cost per year for drivers with bad credit |
|---|---|
| On a national scale | $2,051 |
| USAA* | $2,450 |
| Geico | $2,482 |
| Travelers | $2,699 |
| Progressive | $3,221 |
| Westfield | $3,403 |
| Erie | $3,701 |
| Car owners | $5,407 |
| National average | $3,847 |
*USAA is available only to military members, veterans, and their families.
Family Discounts: Westfield
Westfield provides a range of family-oriented discounts:
- Family Discount: For teen drivers age 18 or younger added to their parent’s auto policy, active for at least three years.
- Next Generation Discount: For young drivers ages 22-29 transitioning from their parents’ Westfield auto insurance policy to their own.
- Discount for Companions: For drivers purchasing auto insurance who have someone in their home with an existing Westfield policy.
Best for New Cars: Auto-Owners
Auto-Owners excels with its new vehicle coverage options:
- Gap Insurance: This covers the difference between your insurance payment and the remaining balance on a lease or loan if your new vehicle is totaled or stolen.
- Purchase Price Guarantee: Pays the original purchase price if your car is totaled within the first two years and you are the original owner.
- New Car Total Loss Coverage: Replace your car with a new one of equal value or pay the original purchase price if totaled within 90 days of purchase.
| Company | Offers Gap Insurance | Offers New Car Replacement |
|---|---|---|
| Auto-Owners | Yes, two types | Yes |
| Erie | Yes | Yes |
| Geico | No | No |
| On a National Scale | Yes | Yes |
| Progressive | Yes | No |
| Travellers | Yes | Yes |
| USA* | No | Yes |
| Westfield | Yes | Yes |
Best Digital Experience: Geico
Geico stands out with its superior digital experience:
- Forbes Advisor Rating for Digital Experience: 5.0 stars
- Expert Opinion: Geico excels with live chat, high app ratings (4.7 out of 5), online quotes, and a Spanish version of their website.
| Company | Rating | Notes |
|---|---|---|
| Geico | 5.0 | Top-rated for live chat, app ratings, online quotes, Spanish version |
| Progressive | 4.0 | Good app rating, helpful search, no Spanish version or live chat |
| On a National Scale | 3.9 | Good app rating, helpful site search, lacks live chat and Spanish version |
| USA | 3.7 | Good app rating, online quotes, poor live chat with limited questions |
| Travelers | 3.4 | Fair app rating, online quotes, lacks Spanish version and live chat |
| Erie | 2.2 | Low app rating, online quotes, lacks live chat and Spanish version |
| Auto-Owners | Starless | No stars due to lack of online quotes, unhelpful site search, no live chat |
| Westfield | Starless | No mobile app, no online quotes, no live chat, poor site search |
Car Insurance Costs
Average car insurance costs $2,026 annually or $169 monthly.
| Company | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| USA* | $1,364 | $114 |
| On a National Scale | $1,436 | $120 |
| Travellers | $1,521 | $127 |
| Geico | $1,597 | $133 |
| Erie | $1,642 | $137 |
| Progressive | $1,826 | $152 |
| Auto-Owners | $1,855 | $155 |
| Westfield | $1,984 | $165 |
| State Farm | $2,025 | $169 |
| Mercury | $2,210 | $184 |
| Car Insurance | $2,889 | $241 |
| The Entire State | $2,896 | $241 |
| Farmers | $3,093 | $258 |
Car Insurance Coverage Types
Different types of car insurance coverage include:
- Liability Insurance: Pays for property damage and injuries if you are at fault in an accident, including legal defense.
- Insurance for Uninsured Motorists: Covers medical expenses if an uninsured driver hits you.
- Personal Injury Protection (PIP): Pays medical expenses, lost wages, and other costs for you and your passengers, regardless of fault.
- Medical Payments Coverage (MedPay): Covers medical expenses for you and passengers after an accident, regardless of fault.
- Collision Insurance: Covers repair or replacement of your car after an accident, minus your deductible.
- Comprehensive Insurance: This covers damage to your car from theft, fire, vandalism, and other non-collision events.
- Rental Reimbursement: Helps cover the cost of a rental vehicle while yours is repaired.
- Gap Insurance: This covers the difference between your car’s insurance payout and the amount owed on a loan or lease.
Methodology for Evaluating Auto Insurance Companies
- Car Insurance Rates (50% of Score): Based on average rates for various driver profiles.
- Coverage Options (25% of Score): Evaluate additional coverage options beyond standard offerings.
- Complaints (20% of Score): Uses data from the National Association of Insurance Commissioners.
- Collision Repair (5% of Score): Reviews ratings from auto body professionals.
Methodology for Digital Experience Rating
- Online Auto Insurance Quotes (40% of Score): Availability of quotes on websites.
- Website Live Chat (20% of Score): Effectiveness of live chat support.
- Average Mobile App Rating (20% of Score): App ratings from users.
- Website Search Function (15% of Score): Effectiveness of on-site search.
- Spanish Version of Website (5% of Score): Availability of Spanish language support.
