BySamantha Kostaras Insurance Writer

Samantha Kostaras is an Insurance Writer for Reviews.com where she covers everything about making sure you’re covered.

The Best Car Insurance Companies

The best auto insurance companies will provide you with ample coverage and a fair, timely claims process backed by solid financials. It also helps if they’re pleasant to deal with over the phone and have responsive customer support. With all this in mind, we took a long hard look at the auto insurance market and compared everything including complaint data from the National Association of Insurance Commissioners, financial strength ratings from A.M. Best, claims satisfaction scores from J.D. Power, and each provider’s coverage policies and discounts. For more on our process, check out our methodology.

Five companies — USAA, Amica, Geico, The Hartford, and State Farm — stood out in our evaluation as top picks for industry-leading performance in certain categories. But car insurance isn’t a one-size-fits-all service, so we also gathered all of the data on the largest insurers to help you find the one that’s best for you. Whether you’re searching for your first policy, or looking to switch companies, we recommend comparing quotes at least three to five of these top-rated insurers to find the best value on the coverage you need.

Reviews.com Top 5 Car Insurance Picks

  • Amica – Best Customer Service
  • USAA – Best for Military Members and Veterans
  • State Farm – Best for Rideshare Coverage
  • The Hartford – Best for Senior Citizens
  • Geico – Best Digital Experience

Reviews.com Car Insurance Rankings

Along with our top picks, there are many other insurers you may want to consider when choosing the best car insurance for you. Together, the largest 20 car insurance companies account for more than 80% of total market share, so we focused on these insurers to bring you data-driven insight into the industry’s top providers.

We also noted our top picks on the rankings, which we made using qualitative factors that incorporate information that goes beyond the quantitative factors driving the rankings. So our top picks can vary from the straight rankings below. Because we used different factors to determine our top picks and to power our rankings, there will be differences between the companies featured in each. We wanted to give different views of the top companies, since the best insurance coverage is so dependent on personal factors.

Providers
Reviews.com Score
NAIC 2018 Market Share Report
NAIC 2018 Consumer Complaint Ratio
Financial Strength Ratings
J.D. Power 2019 U.S. Auto Claims Satisfaction Study Score
J.D. Power 2019 Average Regional Customer Satisfaction Study Score
Consumer Reports Reader Score
Reviews.com Top Picks
USAA
(Military Members and Veterans)

4.4/5

5.81%

1.14

A.M Best: A++
Moody’s: Aaa
S&P Global: AA+

5/5

5/5

92/100

ERIE Insurance

4.2/5

1.30%

0.51

A.M Best: A+
Moody’s: N/A
S&P Global: N/A

3/5

4.7/5

86/100

State Farm
(Rideshare Coverage)

3.7/5

17.01%

0.57

A.M Best: A++
Moody’s: N/A
S&P Global: AA

3/5

3.6/5

78/100

Auto-Owners Insurance

3.6/5

1.19%

0.67

A.M Best: A++
Moody’s: N/A
S&P Global: N/A

3/5

3.5/5

81/100

Auto Club Group (AAA)

3.5/5

1.38%

0.62

A.M Best: A-
Moody’s: N/A
S&P Global: N/A

3/5

4/5

79/100

Geico
(Digital Experience)

3.4/5

13.41

0.92

A.M Best: A++
Moody’s: Aa3
S&P Global: AA+

3/5

3.4/5

78/100

MetLife

3.4/5

1.00%

0

A.M Best: A
Moody’s: N/A
S&P Global: N/A

3/5

2.4/5

72/100

The Hartford
(Senior Citizens)

3.4/5

0.86%

1.23

A.M Best: A+
Moody’s: A1
S&P Global: A+

3/5

4.4/5

74/100

American Family

3.4/5

1.90%

0.69

A.M Best: A
Moody’s: N/A
S&P Global: N/A

3/5

3.25/5

76/100

Allstate

3.3/5

9.19%

0.64

A.M Best: A+
Moody’s: Aa3
S&P Global: AA-

3/5

3.2/5

72/100

Nationwide

3.2/5

2.73%

0.43

A.M Best: A+
Moody’s: A1
S&P Global: A+

3/5

2.5/5

71/100

Progressive

3.2/5

10.97%

0.88

A.M Best: A+
Moody’s: Aa2
S&P Global: AA

3/5

2.4/5

75/100

Farmers

3.1/5

4.26%

0.97

A.M Best: A-
Moody’s: N/A
S&P Global: A

3/5

2.8/5

72/100

CSAA

3.1/5

1.22%

1.36

A.M Best: A
Moody’s: N/A
S&P Global: N/A

3/5

3/5

79/100

Travelers

2.8/5

1.90%

6.4

A.M Best: A
Moody’s: N/A
S&P Global: N/A

3/5

2.4/5

75/100

Liberty Mutual

2.6/5

4.77%

6.26

A.M Best: A
Moody’s: A2
S&P Global:A

3/5

2.4/5

72/100

Mercury

2.6/5

1.09%

1.66

A.M Best: A
Moody’s: A2
S&P Global: N/A

2/5

3/5

75/100

National General

2.4/5

1.22%

4.56

A.M Best: A-
Moody’s: N/A
S&P Global: N/A

N/A

2/5

74/100

MAPFRE

2.4/5

0.68%

9.07

A.M Best: A
Moody’s: N/A
S&P Global: N/A

2/5

2/5

74/100

Kemper

2.3/5

1.25%

1.86

A.M Best: A-
Moody’s: Baa3
S&P Global: BBB-

N/A

2/5

72/100

Our Reviews.com score incorporates multiple rating factors across various industry leaders and resources. Scores should be viewed as a general resource, as different providers will be best for different individuals. See our scoring methodology.

Why Trust This Review?

Since 2013, Reviews.com has helped more than 2.4 million people shop for auto insurance. We’ve evaluated 175 providers, reviewed the top insurers in all 50 states, and written 25 guides and how-tos to help customers with their search. Recommendations on this page are selected independently by the Reviews.com research and editorial team, and are not influenced by partnerships with any of the insurers listed here.

Choosing the Car Insurance Company That’s Right for You

When it comes to finding the best car insurance, you’ll want to spend some time deciding what is most important to you when it comes to coverage. Some key factors to consider would be the company’s reputation for customer service, value, and coverage options.

“The main thing to look for is satisfaction as far as claims handling. We all can buy cheap insurance anywhere, but if you find out after that the claims handling ability isn’t there, you might be disappointed in the settlement if and when you need to use your insurance.”

You may be happy to pay more for the best customer service, or willing to have more basic coverage in order to get the most reliable claims processing, and that will affect which insurer would be the best fit for you. Next, put together a list of providers to compare. You can start your list with our top picks, but look beyond those as well. Since availability varies by state, you can also check out our top car insurer picks for each state.

The more providers and quotes you gather, the more options and prices you’ll have to consider, which will make finding the best car insurance company a lot easier. And you don’t have to go through your decision alone. Although many insurers offer a fully online experience, if you’re looking for a real person to talk to, you can work with an agent.

Check out our complete, step-by-step Car Insurance Buyer’s Guide for even more tips on shopping for your auto insurance.

Amica – Best Customer Service

Best
Customer Service
Amica

Amica

Pros
Top-rated customer service
Efficient claims process
Cons
Poorer online and mobile experience

Amica, although it isn’t one of the nation’s largest insurers and therefore wasn’t ranked with our Reviews.com score, earns its spot among the best for customer service and claims. It even ranked No. 1 in J.D. Power’s 2019 Claims Satisfaction Study. Amica is a great choice for customers who value customer support and smooth claims handling, but not the best for those who prefer a digital-first experience as it scored well below average on JD Power’s 2019 Digital Experience Study. Coverage options from Amica are well-rounded, with perks like glass, lock, and deployed airbag replacement, and the company also offers plenty of discounts including ones for loyal customers and safe drivers.

USAA – Best for Military Members and Veterans

Best for
Military Members and Veterans
USAA

USAA

Pros
Top-rated customer service
Efficient claims process
Affordable rates for service members
Effective online and mobile tools
Cons
Membership limits availability

The first thing to know about USAA is it’s only available to U.S. military members, their immediate families, and veterans. If you fit that bill, this should be the first stop in your search for auto insurance. Not only does USAA offer robust coverage and discounts — including military-specific options, like up to 15% off for storing your vehicle on base — it also earns top marks in J.D Power’s customer satisfaction and claims handling surveys year after year. Customers can expect a singularly high standard of service from this company.

State Farm – Best for Rideshare Coverage

Best for
Rideshare Coverage
State Farm

State Farm

Pros
Top-rated customer service
Widely available rideshare coverage
Cons
Claims ratings are average

State Farm offers a notable on-the-ground presence, with more than 19,000 local contractor agents nationwide, and earns positive customer service scores from J.D. Power respondents. It even took home second place in the Southwest region in 2019. In terms of coverage, State Farm’s offerings are pretty standard — though it stands out for having the widest-reaching ride-share insurance program of any company we’ve researched, with coverage available in 42 states and Washington D.C. This makes it a good first stop for Uber and Lyft drivers looking to supplement their employer’s insurance (which only applies in select scenarios).

The Hartford – Best for Senior Citizens

Best for
Senior Citizens
The Hartford

The Hartford

Pros
Unique AARP partnership
Top-rated customer service
Cons
Above-average registered complaints

The Hartford offers car insurance for all ages, but stands out for seniors thanks to its unique AARP partnership. With this program, AARP members age 50 years and over receive perks like special discounts and a lifetime renewability guarantee. Customers can expect decent service as The Hartford earns medium-to-high satisfaction scores across the U.S. and took first place in J.D. Power’s Southwest region survey. While the Hartford gets strong reviews for its claims process, it’s worthwhile to note that it has an above average customer complaint ratio according to NAIC.

Geico – Best Digital Experience

Best
Digital Experience
Geico

Geico

Pros
Top-rated online and mobile tools
Plenty of discount opportunities
Cons
Claims and service ratings are average

Geico is a great option for those looking for DIY policy management. The company took first place in J.D. Power’s 2019 digital experience survey, and its mobile app earns strong user ratings. The company also has a wealth of online resources to ease the shopping process for auto insurance first-timers (or anyone who needs a quick refresher). It’s also worth noting that Geico maintains a reputation for affordability, offering a wide array of discounts to help customers save on premiums.

Best Car Insurance in Your State

Ready to choose your car insurance company? A good place to start is by comparing top insurers available in your area. We reviewed the top companies in each state to help you narrow down your search.

Methodology: How We Found the Best Car Insurance

As of July 2019, we’ve completely revamped our review of the best car insurance companies to reflect the most recent industry ratings and policy options, and cover more insurance companies than ever before.

We started this review with a list of 59 auto insurers, including the 50 biggest providers by market share and a few popular outliers. We evaluated each one based on three fundamental criteria: claims, customer service, and coverage.

To gauge each provider’s ability to pay claims, we looked for top financial strength ratings from three independent agencies: A.M. Best, S&P Global, and Moody’s Rating Services. These scores evaluate an insurer's financial stability, and thus, its reliability to pay claims over time. Then we checked satisfaction scores from two consumer survey groups — J.D. Power and Consumer Reports — to determine which car insurance companies can be relied on to resolve claims quickly and painlessly with fair settlements.

We also turned to J.D. Power for a pulse on overall customer satisfaction, as its auto insurance survey accounts for everything from policy options to price, billing, and customer interaction. To find companies with a proven track record for service, we checked complaint ratios from the NAIC.

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