The Best Insurance Companies of 2026

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The top insurance companies for 2026 include Amica (home insurance), Travelers (home and auto insurance), GEICO (home and auto insurance), Northwestern Mutual (life insurance and Kaiser Permanente (health insurance).

Our annual ranking of insurance companies in the four main categories of personal insurance draws on the experiences of real people via our customer survey, carefully analyzed rate data, and ratings from the National Association of Insurance Commissioners (NAIC), AM Best and the National Committee for Quality Assurance (NCQA).

The goal of the Best Insurance Companies ranking is to guide consumers to find the carriers that best fit their needs and budget. To that end, we evaluate each insurer from multiple angles.

Which insurance companies are the best for 2026?

The four best insurance companies, one from each of the four categories, are:

• Amica: Best home insurance company
• Travelers: Best car insurance company
• Northwestern Mutual: Best life insurance company
• Kaiser Permanente: Best health insurance company

Among other companies that made our list of the best are:

• GEICO
• Humana
• Guardian Life

And regional carriers like:

• Auto-Owners
• Auto Club Enterprises

Expert Tip

“Consumers certainly want to save money and receive a low premium when choosing an insurance company. However, it is important to also consider factors such as financial ratings, regulatory compliance and customer satisfaction,” says David Marlett, managing director of the Brantley Risk & Insurance Center at Appalachian State University and an Insure.com editorial advisor. “These rankings incorporate all of these issues and provide the consumer with a more comprehensive approach to evaluating insurance options.”

The five best car insurance companies

1. Travelers
2. GEICO
3. Nationwide
4. Progressive
5. Amica

Travelers is the No. 1 car insurance company for the third year in a row with 4.55 stars out of 5, thanks to low rates, a low complaint volume and excellent scores in our survey. GEICO is up one spot from last year to take second place, swapping with Nationwide, which is our third-place pick for 2026. Progressive and Amica round out the top five, pushing State Farm down and out.

The five best homeowners insurance companies

Note: Below are the best home insurance companies for 2025. The 2026 best home insurance rankings will be released on January 12, 2026.

1. Amica
2. State Farm
3. Allstate
4. Progressive
5. Nationwide

Amica is the No. 1 home insurer with an overall score of 4.73 out of 5 stars. The company has a strong record of customer satisfaction. Amica’s low rates and low NAIC complaint ratio also align with customer opinions of the company. 

What to read next

Auto Club Group (AAA Midwest/South) auto insurance review and ratings

Auto Club Enterprises auto insurance review and ratings

Amica auto insurance review and ratings 2026

GEICO auto insurance review and ratings 2026

CSAA Insurance Group auto insurance review 2026

USAA auto insurance review and ratings 2026

State Farm auto insurance review and ratings 2026

Mercury auto insurance review

Travelers auto insurance review and ratings 2026

Allstate auto insurance review and ratings 2026

The Hartford auto insurance review and ratings 2026

Safeco auto insurance review and ratings 2026

Progressive auto insurance review and ratings for 2026

Nationwide auto insurance review and ratings 2026

Liberty Mutual auto insurance review and ratings 2026

Farmers auto insurance review 2026

Erie auto insurance review and ratings for 2026

Auto-Owners auto insurance review 2026

American Family auto insurance review and ratings 2026

Best Auto Insurance Companies for 2026

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The five best life insurance companies

Note: Below are the best life insurance companies for 2025. The 2026 best life insurance rankings will be released on January 19, 2026.

1. Northwestern Mutual
2. MassMutual
3. New York Life, John Hancock (tie)
4. Prudential

Northwestern Mutual tops the list of the best life insurance companies in 2025 with 4.67 out of 5 stars. The insurer received high scores from third-party rating company AM Best for its financial stability and from the National Association of Insurance Commissioners, which, among other things, tracks customer complaints. In Insure.com’s survey of insurance consumers, Northwestern Mutual received high marks for trustworthiness and policy renewal.

The five best health insurance companies

Note: Below are the best health insurance companies for 2025. The 2026 best health insurance rankings will be released on January 26, 2026.

1. Kaiser Permanente, UnitedHealthcare (tie)
2. Aetna
3. Highmark
4. Elevance, Health Care Service Corp (tie)

Kaiser Permanente and UnitedHealthcare tied for the No. 1 spot in Insure.com’s ranking of the Best Health Insurance Companies for 2025 – each earning 4.17 stars out of 5.

Kaiser Permanente, one of the nation’s largest not-for-profit health plans, was a top performer in a number of areas. Of the insurers on our list, it had the highest star ranking for affordability and the highest ranking from the National Committee for Quality Assurance, which evaluates healthcare plans on, among other things, member satisfaction. 

UnitedHealthcare is seen as the most trustworthy of the insurers we ranked. The vast majority of its customers plan to renew with the carrier and said they’d recommend the company to others. It also received the second-best National Association of Insurance Commissioners complaint index score of the companies we ranked.

While these rankings are a great starting point when searching for coverage, you shouldn’t stop there if you want to get the best homeowners policy – or any other type of insurance.

Expert Tip

“Shop around and talk to local agents, brokers or companies doing business in your area,” says Karen Collins, assistant vice president for personal lines for the American Property Casualty Insurance Association. “Local agents or companies will understand your local market and be able to give you a variety of choices.”

Why don’t some top companies appear in the rankings?

Although USAA often ranks among the top insurers, the company only offers coverage to military members, veterans and their families, so it’s not included in our overall rankings. 

The Hartford, Liberty Mutual and Safeco were also omitted from our rankings because they don’t provide pricing information – one of our key rating metrics – to our data partner, Quadrant Information Services. 

Finally, some other familiar names also didn’t make the cut because too few of their customers responded to our insurance survey.

How we ranked the best insurance companies

Insure.com, in the fall of 2025, surveyed 2,000 insurance consumers. The survey was conducted by online market research company Dynata.

Respondents were asked to name their insurer and then grade it in a number of categories, including: 

• Customer satisfaction
• Claims satisfaction
• Price/affordability
• Ease of service 
• Policy offerings
• Digital experience

We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:

• I plan to keep my coverage with my current insurance company
• I would recommend my insurance company to others
• I trust my insurance company.

The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.

For each category, the editors then gathered rankings and ratings from respected third parties.

The editors collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index based on annual written premiums. The associated NAIC complaint index score was used in the calculations. 

They collected insurance rate data from Quadrant Information Services (for auto and home insurance), Compulife (for life insurance) and the public health marketplace (for health insurance).

For health insurance, the editors also collected data from the National Committee for Quality Assurance (NCQA), which evaluates and rates health plans.

With the help of Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector.

For auto and home insurers, we took the following and gave each a weight:

• Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
• AM Best: 25% of total score
• Annual premium: 20% of total score
• NAIC: 15% of total score 

For life insurers, we took the following and gave each a weight:

• Survey: 60% of the total score (10% customer satisfaction, 10% ease of service, 10% policy offerings, 10% recommended, 10% policy retention and 10% trust)
• AM Best: 25% of total score
• NAIC: 15% of total score

For health insurers, we took the following and gave each a weight:

• Survey: 60% of the total score (10% customer satisfaction, 10% recommended, 10% policy retention, 10% trust, and 20% affordability)
• NCQA: 25% of total score
• NAIC: 15% of total score

In all categories, insurers were awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.

Nupur Gambhir

Managing Editor

 

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Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant.