Best Home Insurance Companies for 2026

Amica held onto the No. 1 spot for homeowners insurance in 2026 thanks to low rates and a very low complaint ratio with the NAIC. At an average of $1,510 per year, rates are significantly below the national average. Its ranking shows just how important rates are.

Amica came in strong for claims handling, despite some lower scores in other areas of customer satisfaction, which helped it retain its top ranking. It also boasts an incredibly low complaint volume with the NAIC, an important mark of happy customers.

Travelers jumped to the No. 2 spot for 2026 thanks to lower-than-average rates and a low complaint ratio. Customers’ high satisfaction rate with policy offerings, combined with the best possible AM Best score, secured Travelers’ spot.

The survey saw a strong showing for Travelers in billing, where it was top-ranked, and 92% said they plan to renew their coverage. Travelers is one of the major carriers that hasn’t backed out of California, making it a good choice even in tough markets.

Allstate held onto its No. 3 spot for 2026, largely due to low rates and a great showing in nearly every category of our survey. It was the best-ranked national carrier for trust, recommendation to others and customers who plan to renew.

Average rates are the second-lowest among national carriers and well below the national average; Allstate brings together cheap rates and high customer service rankings. If you prefer a major carrier, but also want to work with an agent, Allstate is hard to beat.

The largest home insurance company in the nation, State Farm, lands at No. 4 on our 2026 ranking with good ratings for customer satisfaction. Rates, although still below average, have risen somewhat since last year’s ranking.

A downgrade in State Farm’s AM Best rating and a slightly higher NAIC complaint ratio played a role in the company’s move down from No. 2 last year, but it remains one of the best choices for home insurance, especially for those who want a big company with the personal service of an agent.

Farmers lands in fifth place, up one from last year, with good scores in most categories and a low complaint ratio, indicating satisfied customers. It remains a solid carrier, often landing around the middle of the ranking due to higher rates.

Although Farmers does have higher-than-average rates, the company offers a long list of possible home insurance discounts (more than a dozen) that can significantly reduce costs.

Nationwide dropped to the No. 6 spot this year, which may be due to higher rates and an above-expected complaint ratio with the NAIC. However, Nationwide was the top-rated national carrier for claims handling with an 84% satisfaction rate, and few things are more important than a good claims experience.

It also topped our survey for exceptional standard coverages, and 92% of customers said they plan to renew their coverage with the company, a big vote of confidence.

Progressive saw a drop in its position this year, likely due to increased rates and a higher complaint ratio. It has the highest average rates of all companies in our study, and by a large margin.

Progressive customers were pleased with the ease of service, and the company offers a single-deductible option when you bundle (a claim that involves both policies will have one deductible). That wasn’t enough to keep the carrier from dropping several places since last year, showing how much rates matter.

Auto Club Enterprises is the top-ranked regional carrier for 2026, beating out other AAA companies thanks to low rates. If we’d ranked it against national carriers, it would have taken first place.

Auto Club Enterprises, the AAA branch for insurance in Southern California and other states, earned the best score on our survey and topped multiple categories. It has a low complaint ratio, and, combined with the lowest rates of any carrier surveyed, is a great pick if you’re in its service area.

Auto Club Group is the AAA insurer in the Midwest and South, and ranked second among regional carriers and 4th overall when listed with national carriers. It offers lower-than-average rates, a low complaint ratio and was top-ranked in our survey for the buying process.

For AAA members who already trust the brand, it’s a solid pick for homeowners insurance, bringing a well-known name with local service. Low rates and few complaints are a solid combination.

CSAA is the AAA-branded insurer for Northern California and several other states, and the second-cheapest home insurance company in our ranking. Low rates and good scores across the survey earned it third place among regional carriers.

CSAA scored lower for claims handling than many competitors, but it still tied for 6th place overall with Erie among all carriers in the survey. For people seeking affordable insurance from a well-known name, it’s a good choice.

Erie is consistently one of the top-rated regional insurers and tied for third place this year. It’s worth noting that it outscored the regional companies with which it overlaps in service area (the AAA companies mostly cover other parts of the country).

Erie earned a top score for claims handling and had high scores across the board in most customer service areas. A low volume of complaints indicates happy customers. Rates are higher than average, but Erie also offers a more comprehensive standard policy than most competitors.

Auto-Owners is a top super-regional carrier, offering policies in more states than any other company in our regional ranking. It has a low complaint ratio with the NAIC, meaning there aren’t many customers with major issues, but scored below many competitors in our survey.

Rates have increased since last year, and the survey reflects some dissatisfaction in that area. At $2,840 a year, Auto-Owners’ average home insurance rate is the highest of all regional carriers; still, it’s not far off top competitors like Erie.

American Family is a big company with a smaller footprint; available in just 19 states, but the sixth-largest nationwide by market share. Our survey found AmFam to be the top-rated company among all ranked companies for claims handling, with a rating of 84%. That’s a major vote of confidence in an area where many insurers struggle.

Rates are higher than average, but not significantly so; many companies have rates in the same range. Customers rated the company well overall, and its complaint ratio is right on par with the benchmark for a company of its market share.