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Shopping for car insurance can be confusing and frustrating. Our team of experts have taken on the task -- for over a decade -- to obtain earnest reviews and honest feedback from policyholders to help you in your search for the best car insurance company.

Unlike evaluations you might find elsewhere, Insure.com's Best Auto Insurance Companies is the result of a survey of over 3,700 current auto insurance customers - people just like you. We believe it to be the most comprehensive, assessment available and a useful guide to help you find the best auto insurance company for your needs quickly and easily.

  • Best car insurance company for claims: The Auto Club Group (ACG) AAA - 94.12
  • Best car insurance company for value for the price: The Auto Club Group (ACG) AAA - 89.40
  • Best car insurance company for customer service: The Auto Club Group (ACG) AAA - 92.20
  • Best car insurance company website and apps: The Auto Club Group (ACG) AAA - 92.13
  • Best car insurance company for renewals:  CSAA Insurance Group - 98%
  • Best car insurance for recommendations: CSAA Insurance Group - 94%
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Why You Should Trust Us

We're not only auto insurance experts who enjoy sharing our knowledge. We're also consumers just like you. As consumers, we want to know what to expect when it comes to a company's claims service and if the insurer has a decent website and apps. We, too, want a good price, great customer service and to feel comfortable when deciding on a company to purchase an insurance policy. For this reason, we take our Best Auto Insurance Company's survey seriously so that all of us can find the insurance company that fits our needs.

Whether it's your first-time buying insurance or switching insurance providers or 25th time, our mission is to provide you with a quick and easy way to review and determine which companies will be the best fit for you. Our reviews and rankings are unbiased and based on the earnest ratings and feedback from surveyed policyholders.

We've taken our many years of experience and crafted survey questions to find out what current policyholders like and dislike about their insurance company to make your life easier when evaluating insurance companies.

How to Pick Car Insurance Policy

Picking an auto insurance policy is based on your needs. You must determine what coverages and limits you want to carry on your vehicle. If your auto is leased or financed, you must hold certain liability limits and carry collision and comprehensive coverage. If you own your car outright, it's completely up to you if you pick state minimum or more. We always recommend more as it will provide better protection for your vehicle and your own finances.

Once you know what you need on your auto policy, you can find the company that's a good fit for your needs. If you prefer apps and websites to going into an agent's office, you need to find the company that has those features. If price is king for you, don't forget to look into the company's financial strength to make sure they can pay out if you have a claim. For many, customer and claims service mean a great deal, you don't want to buy a policy and not get help when you have questions or make a claim. Once you key in on the companies who have strengths in the areas you require -- and can fulfill your customer experience needs -- shop around to find the best price with those companies.

What We Surveyed

We commissioned a survey of top company policyholders. Many of those surveyed had multiple types of policies. The survey collected customer ratings for 20 leading companies in the auto category and 15 leading companies in each of the home, health and life categories. Only current customers of the insurers on our lists were surveyed, and the survey was not open to the general public on the Insure.com website.
We asked policyholders about the following categories for ranking purposes:

We also asked for feedback and anecdotes to help people who may be looking to purchase a policy with their current insurance provider. And we asked questions that are not rated or ranked on, such as why they first purchased from the company and how they prefer to deal with their insurer, as this may be valuable to you when deciding if the company is the right fit for your needs. To view the extra information, be sure to click on the company logo to view its individual page.

How We Ranked

Our team of insurance and data experts ranked and identified the best car insurance companies based on what policyholders in our survey have to say about their experiences. This is an independent editorial analysis devoid of affiliations or partnerships of any kind - companies did not pay to be included. The A.M. Best financial ratings represent an assessment of an insurer's ability to meet its financial obligations to policyholders. These are separate from the editorial ranking.

Consumer's feedback are weighted as follows:

Exception is life overall ratings that are based on:

*Life insurance policyholders were not asked about claims or renewal as the policy tends to end with a claim and policies aren't renewed each year but set for an extended time period.

The expert team reviews and analyzed the survey results to share with consumers because we believe it's important to view and evaluate real-life feedback when shopping for insurance. Getting more information is always better when researching the best insurance companies, so continue on to see what our surveyed policyholders had to say.

The Auto Club Group
Score Details
Our Score
HOW WE WEIGH OUR SCORE
91.72
Customers Who Recommend
94%
A.M. Best Financial Strength Ratings
A-
Score Details
Customers Who Recommend
94%
A.M. Best Financial Strength Ratings
A-
Value for Price
89.40
Customer Service
92.20
Claims Service
94.12
Website & Apps
92.13
CSAA Insurance Group
Score Details
Our Score
HOW WE WEIGH OUR SCORE
89.64
Customers Who Recommend
94%
A.M. Best Financial Strength Ratings
A
Score Details
Customers Who Recommend
94%
A.M. Best Financial Strength Ratings
A
Value for Price
87.60
Customer Service
90.00
Claims Service
93.51
Website & Apps
84.89
USAA
Score Details
Our Score
HOW WE WEIGH OUR SCORE
88.49
Customers Who Recommend
86%
A.M. Best Financial Strength Ratings
A++
Score Details
Customers Who Recommend
86%
A.M. Best Financial Strength Ratings
A++
Value for Price
83.96
Customer Service
91.04
Claims Service
91.51
Website & Apps
88.16
Auto Club of Southern California
Score Details
Our Score
HOW WE WEIGH OUR SCORE
87.49
Customers Who Recommend
90%
A.M. Best Financial Strength Ratings
A+
Score Details
Customers Who Recommend
90%
A.M. Best Financial Strength Ratings
A+
Value for Price
85.20
Customer Service
89.40
Claims Service
89.09
Website & Apps
84.74
Erie
Score Details
Our Score
HOW WE WEIGH OUR SCORE
85.32
Customers Who Recommend
84%
A.M. Best Financial Strength Ratings
A+
Score Details
Customers Who Recommend
84%
A.M. Best Financial Strength Ratings
A+
Value for Price
80.20
Customer Service
88.60
Claims Service
89.60
Website & Apps
80.85
Mercury
Score Details
Our Score
HOW WE WEIGH OUR SCORE
84.90
Customers Who Recommend
82%
A.M. Best Financial Strength Ratings
A
Score Details
Customers Who Recommend
82%
A.M. Best Financial Strength Ratings
A
Value for Price
81.40
Customer Service
84.60
Claims Service
91.35
Website & Apps
82.08
Allstate
Score Details
Our Score
HOW WE WEIGH OUR SCORE
84.77
Customers Who Recommend
86%
A.M. Best Financial Strength Ratings
A+
Score Details
Customers Who Recommend
86%
A.M. Best Financial Strength Ratings
A+
Value for Price
79.00
Customer Service
87.40
Claims Service
87.59
Website & Apps
85.93
Safeco
Score Details
Our Score
HOW WE WEIGH OUR SCORE
84.50
Customers Who Recommend
87%
A.M. Best Financial Strength Ratings
A
Score Details
Customers Who Recommend
87%
A.M. Best Financial Strength Ratings
A
Value for Price
78.00
Customer Service
88.00
Claims Service
87.89
Website & Apps
86.27
Hartford
Score Details
Our Score
HOW WE WEIGH OUR SCORE
84.47
Customers Who Recommend
82%
A.M. Best Financial Strength Ratings
A+
Score Details
Customers Who Recommend
82%
A.M. Best Financial Strength Ratings
A+
Value for Price
78.40
Customer Service
88.40
Claims Service
89.57
Website & Apps
81.80
Metlife
Score Details
Our Score
HOW WE WEIGH OUR SCORE
84.22
Customers Who Recommend
83%
A.M. Best Financial Strength Ratings
A
Score Details
Customers Who Recommend
83%
A.M. Best Financial Strength Ratings
A
Value for Price
80.60
Customer Service
84.80
Claims Service
89.13
Website & Apps
80.65
State Farm
Score Details
Our Score
HOW WE WEIGH OUR SCORE
84.06
Customers Who Recommend
82%
A.M. Best Financial Strength Ratings
A++
Score Details
Customers Who Recommend
82%
A.M. Best Financial Strength Ratings
A++
Value for Price
78.13
Customer Service
87.12
Claims Service
88.43
Website & Apps
82.68
American Family
Score Details
Our Score
HOW WE WEIGH OUR SCORE
84.01
Customers Who Recommend
84%
A.M. Best Financial Strength Ratings
A
Score Details
Customers Who Recommend
84%
A.M. Best Financial Strength Ratings
A
Value for Price
77.80
Customer Service
85.60
Claims Service
90.43
Website & Apps
84.76
Liberty Mutual
Score Details
Our Score
HOW WE WEIGH OUR SCORE
83.21
Customers Who Recommend
81%
A.M. Best Financial Strength Ratings
A
Score Details
Customers Who Recommend
81%
A.M. Best Financial Strength Ratings
A
Value for Price
77.60
Customer Service
85.20
Claims Service
89.68
Website & Apps
81.86
Geico
Score Details
Our Score
HOW WE WEIGH OUR SCORE
83.09
Customers Who Recommend
78%
A.M. Best Financial Strength Ratings
A++
Score Details
Customers Who Recommend
78%
A.M. Best Financial Strength Ratings
A++
Value for Price
77.60
Customer Service
85.00
Claims Service
88.28
Website & Apps
84.89
Nationwide
Score Details
Our Score
HOW WE WEIGH OUR SCORE
82.95
Customers Who Recommend
82%
A.M. Best Financial Strength Ratings
A+
Score Details
Customers Who Recommend
82%
A.M. Best Financial Strength Ratings
A+
Value for Price
76.12
Customer Service
86.33
Claims Service
88.85
Website & Apps
81.29
Progressive
Score Details
Our Score
HOW WE WEIGH OUR SCORE
82.45
Customers Who Recommend
84%
A.M. Best Financial Strength Ratings
A+
Score Details
Customers Who Recommend
84%
A.M. Best Financial Strength Ratings
A+
Value for Price
77.80
Customer Service
82.80
Claims Service
87.62
Website & Apps
84.57
Esurance
Score Details
Our Score
HOW WE WEIGH OUR SCORE
81.78
Customers Who Recommend
76%
A.M. Best Financial Strength Ratings
A+
Score Details
Customers Who Recommend
76%
A.M. Best Financial Strength Ratings
A+
Value for Price
77.20
Customer Service
83.00
Claims Service
86.36
Website & Apps
82.42
Travelers
Score Details
Our Score
HOW WE WEIGH OUR SCORE
81.36
Customers Who Recommend
73%
A.M. Best Financial Strength Ratings
A++
Score Details
Customers Who Recommend
73%
A.M. Best Financial Strength Ratings
A++
Value for Price
76.52
Customer Service
83.79
Claims Service
86.86
Website & Apps
78.20
The General
Score Details
Our Score
HOW WE WEIGH OUR SCORE
81.25
Customers Who Recommend
73%
A.M. Best Financial Strength Ratings
A
Score Details
Customers Who Recommend
73%
A.M. Best Financial Strength Ratings
A
Value for Price
81.00
Customer Service
80.80
Claims Service
82.40
Website & Apps
80.63
Farmers
Score Details
Our Score
HOW WE WEIGH OUR SCORE
79.75
Customers Who Recommend
71%
A.M. Best Financial Strength Ratings
A
Score Details
Customers Who Recommend
71%
A.M. Best Financial Strength Ratings
A
Value for Price
71.00
Customer Service
83.40
Claims Service
87.50
Website & Apps
80.67
Showing 10 out of 20
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Here are what some policyholders had to say when asked to make a comment about their experience (you can see all comments for each company by clicking on the logo in the table above):

1. The Auto Club Group (AAA)

Good to know

AAA has many names throughout the United States as their offices and insurance services are divided up by states and regions. The Auto Club Group is headquartered in Michigan and offers car insurance there and 10 other states. Offerings not only include insurance and road side assistance but also travel agencies, financial services and car buying services. An added benefit is AAA Accident Assist, which is a part of your auto policy. When you initiate an accident claim, roadside assistance is dispatched if your vehicle needs towed. AAA then guarantees repairs for the life of the vehicle if you use an AAA Direct repair shop.

Bottom Line

The Auto Club Group not only ranked No. 1, overall, but also claimed the top spot in the individual rankings of claims handling, customer service, price and usefulness of websites and apps. It also excelled among younger policyholders, coming in second overall among millennials and first for Gen X. The Auto Club Group also was among the top carriers for policyholders who would recommend it (94%) and renew coverage (96%).

2. CSAA Insurance Group

Good to know

In order to purchase CSAA Insurance Group auto insurance, you must be an AAA member - with annual dues ranging from $48 -$98 depending on the club. AAA offers a substantial amount of services, programs and discounts for AAA members. Some of these services include insurance, access to roadside assistance (regardless of vehicle or location within the U.S.), travel agencies, AAA Diamond rating system and discounts at partner locations. CSAA Insurance Group is headquartered in northern California and is available there plus 22 other states and D.C.

Bottom Line

CSAA Insurance Group placed second overall, but had the highest percentage of policyholders who said they would recommend it (94%) or renew (98%). CSAA also excelled in claims handling and value for the price, ranking second for those individual metrics. Millennials favored CSAA Insurance Group, as it ranked No. 1 overall for that age group, and also placed second overall for Gen X and Baby Boomers.

3. USAA

Note that USAA serves only active and retired military personnel and their immediate family members.

Good to know

USAA caters to military personnel, so you get a discount for garaging your car on base, and it also offers coverage if you have a side-hustle as an Uber or Lyft driver. Other offerings include a waiver of your deductible if you're not at fault for an accident. That means you won't have to pay your collision deductible if an accident wasn't your fault. USAA also has a "no drop promise/guaranteed renewal" program, so even if you have accidents and traffic violations your policy will still be renewed. 

Bottom Line

Though USAA ranked No. 3 overall, it ranked second on the individual metrics of customer service and for having useful website features and apps. USAA also placed third for claims handling, and had 97% saying they'd renew their policies. Its limited membership, however, means it's not available to everyone.

4. Auto Club Of Southern California 

Good to know

While there are a number of nationwide carriers who can provide you the coverages you need, if you are a SoCal resident, this insurer offers the opportunity to cash in on the host of benefits and discounts of being a AAA member, many of which are exclusive to Southern California. The site also offers a number of resources such as car-buying guides, and full-service travel planning. AAA also provides variety of mobile apps to make trip-planning easier and access to AAA-certified car-repair shops.

Bottom Line

While Southern California is in the name of this Auto Club, the insurance arm (Auto Club Enterprise Insurance Group) is available in not only California but 17 other states. So you don't have to live in Southern California to get their impressive insurance offerings and service. Bottom line: The Auto Club of Southern California earned the third spot for price and placed fourth for customer service. A majority of policy holders said they'd renew (94%) and recommend (90%). Baby Boomers favored The Auto Club of Southern California, as it ranked first among policyholders in that demographic.

5. ERIE Insurance

Good to know

Customers won't see much in the way of advertising for Erie, as the company prefers word-of-mouth recommendations and looks for ways to reduce spending to keep rates as low as possible. The company boasts having agents who are active community members and volunteers, furthering the community in which they, and their customers, live. Erie includes protection for pets injured during accidents, and its comprehensive coverage includes locksmith services and no-deductible windshield repairs. Erie only serves 12 states.

Bottom Line

Eighty-four percent of respondents said they'd recommend Erie, and 95% said they'd renew. Erie placed fifth on the metric of customer service and though Erie came in seventh for claims handling, it trailed the No. 3 spot in that category by less than two points.

Best Auto Insurance Companies by Age

Here is how insurance companies ranked when data were analyzed by age and region.

  1. CSAA Insurance Group
  2. The Auto Club Group
  3. USAA
  1. The Auto Club Group
  2. CSAA Insurance Group
  3. USAA
  1. Auto Club of Southern California
  2. USAA
  3. CSAA Insurance Group

Best Auto Insurance Companies by Region

  1. Auto Club of Southern California 
  2. CSAA Insurance Group
  3. USAA
  1. Auto Club of Southern California
  2. The Auto Club Group
  3. Mercury
  1. The Auto Club Group
  2. Auto Club of Southern California
  3. CSAA Insurance Group
  1. CSAA Insurance Group
  2. Allstate
  3. USAA