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Best Car Insurance Companies

Who are the best auto insurance companies? We surveyed current customers of large car insurers to find out how they rate their insurers on five important measurements. The top three companies, based on overall score, receive our annual "People's Choice" award. While finding the lowest price is important to many car insurance shoppers, knowing customer satisfaction scores can help in your decision.
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Insure.com Survey Results
Overall
Claims Processing
 
Customers
Who
Recommend
 
Coverage
Options
Financial
Strength
Ratings

Progressive is the fifth largest personal auto insurer in the nation, with 8 percent of ... See More >

Progressive is the fifth largest personal auto insurer in the nation, with 8 percent of market share, according to A.M. Best. Progressive is the fourth biggest spender for advertising among property-casualty companies. Progressive says it was the first to offer immediate-response vehicles that are dispatched to claims locations. It was also the first to offer “concierge” service, which streamlines the car-repair process for customers. Today the company is also known for its aggressive foray into pay-as-you-drive car insurance, with its Snapshot program. The insurer is based in Mayfield Village, Ohio.

X
87.9
(319 reviews)
68%
A+

USAA scored the top spot in our 2014 customer satisfaction survey. The company is based ... See More >

USAA scored the top spot in our 2014 customer satisfaction survey. The company is based in San Antonio, Texas, and offers insurance and other financial products to members of the military and their families. USAA Group is ranked No. 6 in market share nationwide for private passenger auto insurance, according to A.M. Best, with about 5 percent of the market. USAA scored well across the board in our measurements, including snagging five stars for “value for price.” Notably, slightly more than half of USAA customers say they have already recommended the insurer to family and friends. And almost all current customers that we surveyed (95 percent) say they plan to renew their USAA auto insurance policies. Click on the USAA name to see these additional scores.

X
93.9
(134 reviews)
83%
A++

State Farm is the nation’s largest car insurance company, holding more than 18 percent market ... See More >

State Farm is the nation’s largest car insurance company, holding more than 18 percent market share, according to A.M. Best. State Farm was founded in 1922 and is based in Bloomington, Illinois. It scored the No. 2 spot in our customer satisfaction rankings, including scoring five stars for “value for price.” An impressive 93 percent of State Farm customers we surveyed say they plan to renew their car insurance policies. A quarter of customers say they chose State Farm because the company offered the best price.

X
92.7
(543 reviews)
81%
 
A++

Farmers snagged our third “People’s Choice” award with its customer satisfaction scores. A.M. Best puts ... See More >

Farmers snagged our third “People’s Choice” award with its customer satisfaction scores. A.M. Best puts Farmers at No. 5 for auto insurance market share, with about 5 percent of the market. The company scored five stars in “value for price” and 30 percent of the customers we surveyed say they chose Farmers because it was recommended by a friend. Farmers offers a car-shopping service with guaranteed prices and introduced its first coverage for customers who offer ridesharing in January 2015 in Colorado. The insurer is based in Woodland Hills, California.

X
91.5
(125 reviews)
74%
 
A

GEICO is owned by Berkshire Hathaway and headquartered in Chevy Chase, Maryland. It ranks No. ... See More >

GEICO is owned by Berkshire Hathaway and headquartered in Chevy Chase, Maryland. It ranks No. 2 for market share with 10 percent of the private passenger car insurance market, according to A.M. Best. GEICO’s gecko is a well-known corporate mascot and GEICO spends more on advertising than any other property-casualty insurer. Yet only 16 percent of customers we surveyed say they chose GEICO because of a TV commercial. Thirty-eight percent say that GEICO offered them the best price. Notably, 92 percent of customers say they plan to renew.

X
91.1
(403 reviews)
75%
 
A++

Nationwide ranks No. 8 for private passenger market share, according to A.M. Best, with 4 ... See More >

Nationwide ranks No. 8 for private passenger market share, according to A.M. Best, with 4 percent of the market. The company scored 4.5 stars in our measurements, and slightly more than three-quarters of customers say they would recommend Nationwide. Almost a quarter (23 percent) of customers surveyed say they chose Nationwide car insurance because it was recommended to them, and 39 percent say Nationwide offered them the best price. The company is based in Columbus, Ohio.

X
90.5
(185 reviews)
76%
A+

The Auto Club of Southern California is part of the federation of auto clubs across ... See More >

The Auto Club of Southern California is part of the federation of auto clubs across the United States and Canada known collectively as AAA. The Auto Club Enterprises Insurance Group holds about 8 percent of the private passenger car insurance market in California, putting it at fifth largest in the state, according to A.M. Best. Headquarters are in Los Angeles. The Auto Club of Southern California scores a solid 4.5 stars across the board in our survey and has a high rate (93 percent) of customers who plan to renew.

X
90.5
(110 reviews)
81%
 
A+

Liberty Mutual is based in Boston and ranks No. 7 in the personal auto insurance ... See More >

Liberty Mutual is based in Boston and ranks No. 7 in the personal auto insurance market, with 5 percent of market share, according to A.M. Best. In Massachusetts, its home state, Liberty Mutual ranks No. 2, with 13 percent market share. Liberty Mutual’s highest score was in “value for price” in our survey, snagging five stars. Ninety percent of customers say they plan to renew. In addition to offering a “new car replacement” option for totaled cars, Liberty Mutual offers a “better car replacement” option. This coverage will reimburse you for your totaled car with money to buy a car one model year newer and with 15,000 fewer miles on it.

X
90.2
(126 reviews)
74%
A

Allstate Insurance Group is the third-largest private passenger auto insurer in the United States, holding ... See More >

Allstate Insurance Group is the third-largest private passenger auto insurer in the United States, holding about 10 percent of the market share, according to A.M. Best. It’s the largest personal lines insurer that is publicly traded. The company is based in Northbrook, Illinois. Allstate is the second-largest spender of advertising among property-casualty insurers, after GEICO. Notably, 24 percent of customers we surveyed say they chose Allstate because of its reputation. In December 2014 Allstate announced it would join a consortium to develop drones, which the insurer would use for home inspections and claims adjusting.

X
90
(494 reviews)
78%
A+

American Family Insurance operates in 19 states and is the  ninth-largest private passenger auto insurer, ... See More >

American Family Insurance operates in 19 states and is the  ninth-largest private passenger auto insurer, with about 2 percent market share nationwide, according to A.M. Best. But in some states where it operates, such as Iowa, American Family’s market share outpaces competitors such as Allstate and GEICO. The company is based in Madison, Wisconsin. In our survey, the top reason for buying from American Family (29 percent) was price. American Family also has a high percentage of customers (20 percent) who say they chose the company because it was the insurer their parents had.

X
89.5
(112 reviews)
76%
 
A

The Hartford Financial Services Group, known as The Hartford, is based in Hartford, Connecticut. The ... See More >

The Hartford Financial Services Group, known as The Hartford, is based in Hartford, Connecticut. The insurer holds 1.3 percent of market share for personal auto insurance. The Hartford’s patent-pending “customer loyalty” program seeks to proactively solve customer problems and includes calling a customer immediately after a claim is filed. In our survey, 91 percent of customers say they plan to renew their auto policies. A quarter of customers say they have already recommended The Hartford to others.

X
89
(128 reviews)
76%
A

Erie Insurance Group ranks at No. 13 nationally for private passenger car insurance, with 1.2 ... See More >

Erie Insurance Group ranks at No. 13 nationally for private passenger car insurance, with 1.2 percent of market share, according to A.M. Best. It is based in Erie, Pennsylvania, and is the second-largest auto insurer in Pennsylvania, after State Farm. Erie sells in 12 states and Washington, D.C., in the region of the country from Wisconsin to Tennessee and from New York to North Carolina. A significant portion of customers (26 percent) in our survey say they chose Erie because the insurer was recommended by a friend.

X
88.9
(129 reviews)
77%
A+

The MetLife Personal Lines Group ranks at No. 19 for personal auto insurance, according to ... See More >

The MetLife Personal Lines Group ranks at No. 19 for personal auto insurance, according to A.M. Best. The company is based in Warwick, Rhode Island. MetLife scored five stars for “value for price” in our survey, and 23 percent of customers surveyed say they chose MetLife because of the price. MetLife includes identify theft protection services with its auto and home insurance policies.

X
86.2
(125 reviews)
68%
A

The Travelers Cos. is headquartered in St. Paul, Minnesota, although its insurance operations are based ... See More >

The Travelers Cos. is headquartered in St. Paul, Minnesota, although its insurance operations are based in Hartford, Connecticut. Travelers is No. 8 for market share for private passenger car insurance, with 4 percent of the market, according to A.M. Best. Travelers’ “Responsible Driver” policies offer forgiveness for one accident and one minor violation every 36 months, so your rate won’t go up. In our survey, 90 percent of customers say they plan to renew their auto insurance policies.

X
84.4
(177 reviews)
75%
 
A++

Mercury Insurance Group is based in Los Angeles. In our survey, 90 percent of customers ... See More >

Mercury Insurance Group is based in Los Angeles. In our survey, 90 percent of customers say they plan to renew, and over a third had chosen Mercury because it offered the best price. Mercury sells auto insurance in 13 states. It also offers mechanical breakdown insurance for many car problems not associated with crashes. Mercury scored well in our survey for customer service.

X
80.1
(217 reviews)
76%
 
A+
What's covered
Coverage Options
Usage-based. Rates can be based on your mileage and how you drive.
Accident forgiveness. Your rates won't increase after your first accident.
Vanishing deductible. Your deductible will be reduced as long as you have no accidents or moving violations.
New car replacement. If you total your car the insurer will pay for a new car.
Pet injury coverage. Pays vet bills for dogs or cats injured in a crash (up to specificed limits).
Re-key coverage. Pays for lock replacement if your keys are stolen.
Lock in your rate. Locks in your rate year after year, even if you have a claim.
No-drop promise. Your policy will be renewed even if you have accidents and traffic violations.
Waiver of deductible for not at-fault accident. You won't have to pay your collision deductible if an accident wasn't your fault.
Offers 12-month policies. Your policy term can be one year before the next renewal.
Mobile app. The insurer offers an app for smartphones.

What's never covered
Even if you have full coverage auto insurance, which typically means that you buy liability, collision and comprehensive coverage, your policy may not cover every disaster that comes your way.

For example, say your car won't start in the morning. Don't bother calling your car insurance company. An auto insurance policy won't cover car trouble, but many insurers offer "mechanical breakdown" coverage as an add-on.

If your car is stolen, comprehensive insurance will cover the value of the vehicle - but not your belongings inside. Your homeowners or renters insurance would cover the theft of your personal items, minus your homeowners or renters deductible.

Intentional acts won't be covered by your auto policy, either. For example, say you break your car window in order to get your keys out. Be ready to pay for your own glass replacement.

You can end up voiding your coverage through other actions. For example, making significant modifications to your vehicle could void coverage. Driving other people around for Uber likely isn't covered by your personal auto policy, nor is using your car for business, like delivering pizzas.

And if you have specifically "excluded" a driver from your policy, make sure they never find your car keys. A crash caused by an excluded driver is never covered.
Methodology

Insure.com conducted surveys of 3,835 insurance customers nationwide in February and March 2014 to collect 9,586 company reviews. The survey was not open to the general public on the Insure.com website. We collected reviews for auto, home, health and life insurance carriers. Consumers answered questions about their levels of satisfaction with their insurers, and each answer was assigned a point value. Points were then averaged and totaled for each company.

A.M. Best ratings do not affect the scores but are provided as a supplementary resource. The "discounts" and "coverage options" information for auto insurance carriers also does not affect the scores.

We collected data for 15 large companies in each category, so not all companies are represented in the study. The companies for which we collected data were then ranked. The top three companies in each category earned Insure.com's "People's Choice Award." In the life insurance category, a tie for third place resulted in four insurers receiving the award.

Insure.com makes these ratings freely available via this site. The views and opinions expressed by users do not reflect the views and opinions of Insure.com. Insure.com expressly disclaims any and all liability in connection with the ratings

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