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ByMaggie Overholt Senior Insurance Editor

Maggie is the lead insurance writer and editor at Reviews.com. She's written more than 70 insurance articles covering homeowners, auto, life, motorcycle, travel, and more.

Car Insurance Companies and Ratings for 2019

We love car insurance. Or, more accurately: We love helping you find the best car insurance. And thanks to four years’ worth of research and reviews, we’re pretty familiar with the industry’s big players. Below, we share our ratings for the top 20 car insurance companies in the U.S. (listed from largest to smallest by market share). Combined, these companies insure just over 80% of the nation’s drivers — so odds are you’ll be looking at at least a few of them in your search.

How did we get our scores?

Our scoring system considers multiple ratings in each category: some from official agencies like A.M. Best and the National Association of Insurance Commissioners, and some from consumer advocacy groups like Consumer Reports and J.D. Power. You can find more information about our rating system below, plus advice about next steps once you’ve narrowed down your list of companies.

Financial Strength
Claims Process
Customer Satisfaction
Featured on Reviews.com
State Farm

4.75/5

4/5

4.25/5

Geico

4.75/5

4/5

4/5

Progressive

4.75/5

4/5

3.5/5

Allstate

4.75/5

4/5

3.75/5

Esurance*†

4.75/5

4/5

2.75/5

USAA

4.75/5

5/5

4.75/5

Liberty Mutual

4.25/5

3.75/5

3.25/5

Safeco*

4.25/5

3.75/5

2.25/5

Farmers Insurance

4.25/5

4/5

4/5

Nationwide

4.25/5

3.75/5

3.5/5

American Family

4.5/5

4/5

4/5

Travelers

4.75/5

4.25/5

4.5/5

Auto Club Group

4.5/5

4.25/5

4.5/5

Erie Insurance

5/5

4.75/5

4.5/5

CSAA

4.5/5

4/5

4/5

Auto-Owners Insurance

5/5

4.75/5

4.5/5

Mercury

4.25/5

3.5/5

3.25/5

The Hartford

4.25/5

4.25/5

4.25/5

MetLife

4.5/5

3.5/5

3.5/5

Amica Mutual

5/5

5/5

5/5

*Esurance is owned by Allstate, and Safeco is owned by Liberty Mutual. As subsidiary companies, these are not included in the NAIC’s market share report. We grouped them with their respective parent companies.
† Click these names for an in-depth review of the company’s coverage and ratings.

What Do Car Insurance Ratings Mean for Me?

Take a moment to compare the financial strength, customer service, and claims satisfaction record of any company you’re considering for auto insurance. Along with price, these are the most important factors to think about before choosing a provider. A company that scores well in all three areas will protect you financially and make the insurance process as painless as possible.

Of course, our rating system doesn’t cover every scenario. There are always outside factors that will affect your decision process. For instance: Liberty Mutual has a seemingly low customer satisfaction score compared to other providers on this list. But maybe your neighbor insures their car at Liberty Mutual and loves the local agent — it’s worth giving them a call to see if they jive with you, too. Remember that these scores are averages and not indicative of every agent or experience.

Our Car Insurance Rating System

Our rating system incorporates scores from official agencies like the National Association of Insurance Commissioners, as well as consumer-based survey groups like J.D. Power. We’ve translated each company’s rating scale into a five-star system to make comparisons a little easier.

Financial strength ratings

An insurer’s financial strength rating (FSR) indicates the stability and reliability of its financials. Companies with an excellent FSR (“4” and above) can be counted on to pay claims of any size. Plus, they’re considered extremely credit-worthy, meaning that if the economy takes a downturn or a large-scale disaster causes many insurance claims at once, these companies are least likely to go under.

The Reviews.com financial strength score averages scores from the three largest financial ratings agencies: A.M. Best (which focuses exclusively on insurance), S&P Global, and Moody’s Investors Service.

Claims process ratings

Claims may not be the first thing on your mind when car insurance shopping. (We all buy insurance hoping we’ll never have to file one.) But if an accident does occur, having an insurer with a smooth claims process can make all the difference. Better communication, simpler paperwork, and faster payments all add up to less hassle on your part — and to you getting back on the road as soon as possible.

To determine claims satisfaction with the top 20 car insurers, we looked at J.D. Power’s 2018 auto claims satisfaction study, which asked more than 10,000 drivers who had filed a claim within the past six months about their experience, and Consumer Reports’ car insurance ratings, which account for communication, simplicity, speed, and fairness of payments throughout the claims process.

Customer satisfaction ratings

There’s no real way to test an insurer’s coverage or claims process before buying — to do so would be insurance fraud. But what we can do is learn from other customers’ experiences. Did they find customer service to be responsive and helpful? Were they given the resources they needed to build a strong policy? Were claims paid fairly and on time?

Our customer satisfaction score considers ratings from three separate sources: J.D. Power’s regional auto insurance study, which measures satisfaction with customer support, coverage options, price, and billing; Consumer Reports’ car insurance ratings, which include data about the accessibility and politeness of a company’s agents; and the National Association of Insurance Commissioners (NAIC), which records the number of customer complaints officially filed against any given insurer.

Next Steps

How does car insurance work, anyway?

  • There’s a lot that goes into building a strong car insurance policy and choosing the right provider. For a crash course in auto insurance and tips about shopping around, check out our car insurance buyers’ guide.

How can I save money on my car insurance?

  • Discounts are a good place to start, but there are plenty of other ways to save on your car insurance. See our guide to cheap car insurance for pointers and expert advice about the smartest, safest ways to cut costs on your policy.

I want more information about specific companies.

  • We’ve done in-depth reviews on a number of popular car insurance companies. Click any name above that features a “†” symbol for an in-depth review of that provider.
  • You can learn more about coverage options, discounts, and standout features from the top auto insurance companies in our review of nationwide car insurance companies. You’ll also find in-depth reviews of individual providers and state-by-state car insurance reviews.

I’m ready to compare prices.

  • Get started on your shopping with our car insurance quote tool, which will point you toward popular providers in your ZIP code and help you start comparing rates.

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