Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Feb 25, 2022

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Key Takeaways

  • The Berkshire Hathaway GUARD Insurance group is comprised of five companies
  • You cannot purchase car insurance through Berkshire Hathaway GUARD Insurance Companies
  • A wide variety of factors influences auto insurance rates

The auto insurance marketplace is teeming with so many great car insurance companies that it can be a challenge to find the perfect one for you. However, free Berkshire Hathaway Insurance reviews like this one can help you discover the best insurance company to keep you and your car safe whenever you’re on the road.

The Berkshire Hathaway GUARD Insurance Companies has rocketed to success in recent years, indicating that this insurance group could offer you comprehensive coverage. Continue reading this Berkshire Hathaway Insurance review to learn more about what this insurance group has to offer its clients and how you can reduce your auto insurance rates.

While you read about Berkshire Hathaway Insurance, you can enter your ZIP code and begin comparing insurance quotes right away.

What is Berkshire Hathaway GUARD Insurance Companies?

Founded in 1983, Berkshire Hathaway GUARD Insurance Companies is owned by the renowned Warren Buffet. This insurance group is comprised of the following five companies:

  • AmGUARD Insurance Company
  • AZGUARD Insurance Company
  • EastGUARD Insurance Company
  • NorGUARD Insurance Company
  • WestGUARD Insurance Company

And yet, despite having the combined power of five companies, if you have been hoping to purchase Berkshire Hathaway auto insurance, you will need to look elsewhere for coverage. Berkshire Hathaway GUARD Insurance doesn’t offer personal auto insurance policies, although this insurance group does provide a wide range of products that span from disability insurance to personal umbrella insurance.

Furthermore, A.M. Best and the Better Business Bureau (BBB) awarded Berkshire Hathaway GUARD an A+ rating. In addition, you can call the Berkshire Hathaway Insurance phone number if you ever have questions or concerns about your policy.

Berkshire Hathaway also puts client convenience first. With your Berkshire Hathaway Insurance login, you can view your policy documents and update your policies. You can even make your Berkshire Hathaway Insurance payment online, so that you will never have to worry about falling behind on your payments.

The Berkshire Hathaway GUARD Insurance website allows you to easily file claims as well.

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How much coverage do drivers need?

The amount of coverage you need will be determined not only by the worth of your vehicle, but also by any assets that you need to protect. For example, if you decide to drive with the bare minimum of your state’s required coverage and crash into someone’s Rolls-Royce, you will be personally responsible for any repair costs that aren’t covered by your insurance.

Don’t forget that if the owner of the Rolls-Royce sustains injuries, that driver could pursue your wages if you do not have enough insurance to cover their medical bills. These potential repercussions are a good reason why you should never maintain your coverage at your state’s minimum coverage requirements.

How much does car insurance cost?

Several factors, many of which are beyond your control, can influence your car insurance rates no matter where you decide to purchase your auto policy. For example, take a look at how drastically your rates can change as you age:

Average Annual Car Insurance Rates by Age
CompaniesAverage Annual Rates for a Married 60-Year-Old FemaleAverage Annual Rates for a Married 60-Year-Old MaleAverage Annual Rates for a Married 35-Year-Old FemaleAverage Annual Rates for a Married 35-Year-Old MaleAverage Annual Rates for a Single 25-Year-Old FemaleAverage Annual Rates for a Single 25-Year-Old MaleAverage Annual Rates for a Single 17-Year-Old FemaleAverage Annual Rates for a Single 17-Year-Old Male
USAA$1,449.85$1,448.98$1,551.43$1,540.32$1,988.52$2,126.14$4,807.54$5,385.61
State Farm$1,873.89$1,873.89$2,081.72$2,081.72$2,335.96$2,554.56$5,953.88$7,324.34
Progressive$1,991.49$2,048.63$2,296.90$2,175.27$2,697.73$2,758.66$8,689.95$9,625.49
American Family$1,992.92$2,014.38$2,202.70$2,224.31$2,288.65$2,694.72$5,996.50$8,130.50
Travelers$2,051.98$2,074.41$2,178.66$2,199.51$2,325.25$2,491.21$9,307.32$12,850.91
Nationwide$2,130.26$2,214.62$2,360.49$2,387.43$2,686.48$2,889.04$5,756.37$7,175.31
GEICO$2,247.06$2,283.45$2,302.89$2,312.38$2,378.89$2,262.87$5,653.55$6,278.96
Farmers$2,336.80$2,448.39$2,556.98$2,557.75$2,946.80$3,041.44$8,521.97$9,144.04
Allstate$2,913.37$2,990.64$3,156.09$3,123.01$3,424.87$3,570.93$9,282.19$10,642.53
Liberty Mutual$3,445.00$3,680.53$3,802.77$3,856.84$3,959.67$4,503.13$11,621.01$13,718.69
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Now, insurance companies run every application through an underwriting process to calculate an individual rate for each driver, so your rate may greatly differ from those seen above. Of course, you can always request quotes from various insurance companies to verify that you are receiving the best deal possible.

If you live in a city that experiences numerous traffic accidents and car thefts, the insurance company will note that your policy could be a risk to insure. Living in a high-risk area indicates that you will most likely end up paying more for your car insurance than will an individual who resides in the countryside.

Because every insurance company has its own variation of the underwriting process, it’s in your best interest to always request quotes from a variety of insurance companies to confirm that you are receiving the best rates possible.

How can drivers reduce their car insurance rates?

When you shop for car insurance online, you can use this chart as a guide to ensure that you aren’t missing out on any available discounts:

Vehicle Discounts:Driver/Customer Discounts:Personal Discounts:
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-Lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hyrbid VehicleOnline ShopperNon-Smoker/Non-Drinker
Lane Departure WarningOn-Time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer
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Discounts are great tools for drivers on a budget, but it’s car insurance 101 to maintain low rates by following safe driving practices. This strategy can not only reduce your rates but also increase your chances of arriving home safely. Plus, you’ll lower your chances of causing an accident and facing a rate increase.

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Berkshire Hathaway Insurance: The Bottom Line

The Berkshire Hathaway GUARD Insurance group has many different types of insurance products to offer but, unfortunately, car insurance isn’t one of them. Drivers who are looking to bundle their car and home insurance for a discount can shop online to find the best insurance company for their needs.

Of course, if you need insurance for your business or would like to increase your personal liability insurance, purchasing a policy through the Berkshire Hathaway GUARD Insurance Companies may be a good step for you.

After reading this Berkshire Hathaway Insurance review, you can confidently shop for car insurance. Enter your ZIP code to receive free car insurance quotes from insurance companies near you today.