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Choosing the right auto insurance company can be a difficult process. With so many options out there, it can become pretty overwhelming.best auto insurance comapnies

How are you supposed to know which company best fits your needs? Are the premiums offered considered to be cheap? How is the customer service if I need any assistance?

We understand these are all questions you may have, and lucky for you, we’ve done the research and compiled a detailed ranking of the 25 best auto insurance companies in America to give you some answers.

The rankings are based off of JD Power scores, AM Best Financial grades, and a mix of miscellaneous criteria.

Check it out and see which one suits you!

1. Amica Mutual

As the oldest mutual auto insurance company in the US, founded in 1907, Amica Mutual sells its policies to customers in all 50 states. With 45 offices found throughout the nation, the company provides the “best overall service” to Americans out of any other insurance company. In 1973, Automobile Mutual Insurance Company merged with Factory Mutual to form the current version of Amica Mutual.

Pros & Cons

Pros:

  • Perfect claims satisfaction score through JD Power “Auto Insurance Claims Satisfaction Study”
  • Low amount of customer complaints
  • Helpful online advisors to guide you along the process of choosing a policy

Cons:

  • Small range of towing and labor coverage choices
  • New insurance shoppers may have difficulty dealing with the complexity of policies

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
901 A+

2. USAA

The United States Army Automobile Association was created in 1922 within San Antonio, Texas. To combat expensive automotive policies, 25 officers formed the company to improve coverage for military members and their families. Now, USAA is the insurance company of more than 6 million Americans. 8 offices in total can be found in the US and Europe.

Pros & Cons

Pros:

  • Extremely fair and competitive rates
  • A portion of profits are given back to members annually
  • Banking services are offered via mobile 24/7

Cons:

  • Policies are only available to members of the US military
  • Deposit and withdrawal services are not available at banks

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
901 A++

3. Auto-Owners Insurance

The company provides insurance coverage to some 5 million people, including its 3 subsidiaries. Auto-Owners Insurance began in 1916, and currently provides coverage policies to people in 26 states. More than 6,000 agencies and almost 40,000 agents make up the company’s workforce. The Southern-Owners subsidiary offers insurance specifically to residents of Florida.

Pros & Cons

Pros:

  • The Auto-Owners Personal Automobile Plus Package provides a wealth of options to improve policies
  • Top-notch customer satisfaction with handling and services

Cons:

  • Does not provide fully national coverage

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
892 A++

4. NJM Insurance Company

New Jersey Manufacturers Insurance Company sells its policies to New Jersey state employees and New Jersey Business & Industry Association members and employees.

The selection of individuals able to receive coverage from the company is small, but the opportunities are abundant. NJM is a top auto insurance company. Its subsidiary, NJM Bank, provides financial accounts and products to NJ residents as well.

Pros & Cons

Pros:

Cons:

  • Strict member restrictions to NJ residents only that meet the criteria

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
899 A+

5. Erie Insurance

Pennsylvania based insurance company, Erie Insurance Exchange, is subscriber-owned.

Both personal auto coverage and commercial coverage for small businesses are offered.

The company focuses on providing policies to residents across Pennsylvania in addition to 10 other states, D.C., and Canada. A few thousand agencies are spread across the area forming a vast network of agents in the select region.

Pros & Cons

Pros:

  • Highly rated customer service team
  • Won “Highest in Customer Satisfaction with the Auto Insurance Purchase Experience” through JD Power
  • Claim support is available to policyholders 24/7

Cons:

  • Coverage limited to a fifth of US states and Canada
  • Relatively few discounts compared to other high rated companies

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
881 A+

6. GEICO

Government Employees Insurance Company (aka GEICO) sells policies to all citizens across the United States. Originally opting to cover low-risk groups, GEICO has now expanded to covering around 12 million people. Its gecko mascot is one of the most recognizable icons on the planet. And the company is a subsidiary of Berkshire Hathaway, owned by Warren Buffet.

Pros & Cons

Pros:

  • Fantastic customer service ratings
  • Competitive prices and low cost policies
  • Known for giving drivers with violation strikes second chances

Cons:

  • Lacking a program for driver-monitoring

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
870 A++

7. The Hartford

Having been home and auto insurance writers for ARRP’s members over the last 30 years, The Hartford Financial Services Group is an established insurer. It was founded in 1810 and provides coverage to around 18 million individuals. The company offers a wide range of insurance policies, including group and specialty coverage. The Hartford’s mutual fund division gives policyholders access to financial management services.

Pros & Cons

Pros:

  • Customer service has received multiple awards
  • Wide array of discounts are available
  • Affordable premium rates for members

Cons:

  • Lacks accreditation from the Better Business Bureau
  • Reports of steadily increasing premiums leading to customer complaints

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
878 A+

8. State Farm

State Farm is a group of insurance companies bounded together. Headquartered in Bloomington, Illinois, the figurehead and most well-known insurer is State Farm Mutual Automobile Insurance Company. The company was established in 1922, and now has over 18,000 agents serving around 83 million accounts and policies in the United States.

Pros & Cons

Pros:

  • Amazing customer satisfaction rating
  • Some of the best rates available
  • Claims are paid out quickly to customers

Cons:

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
865 A+

9. The Hanover

The Hanover Insurance Group serves as the parent company for multiple other insurance companies. As one of the biggest insurance groups in America, the company provides policies to Americans through qualified independent agents. In addition to its auto insurance policies, The Hanover sells energy, marine, and property insurance.

Pros & Cons

Pros:

  • Great customer service
  • Highly customizable coverage plans for insurance holders
  • Speedy claims processing

Cons:

  • Expensive costs of policies offered

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
871 A

10. Allstate

Allstate Insurance Company is one of the largest and most well-known in the United States. In fact, for personal lines, it’s the second largest insurer in the nation. The company services both American and Canadian residents. Allstate sells auto and other property insurance options. Also, it focuses on affluent and middle-income customers to sell investment products.

Pros & Cons

Pros:

  • Policyholders can rest assured with a claims satisfaction guarantee
  • 24 different discount options

Cons:

  • Company rates are higher than the average auto insurer

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
864 A+

11. Nationwide

With offices spread all over the country, Nationwide Mutual Insurance Company lives up to its name. The insurer offers a range of options from auto to specialty policies such as pet insurance. For the majority of its lifespan, Nationwide provided coverage through various subsidiaries. But since 2016, the company has operated solely as the current Nationwide brand.

Pros & Cons

Pros:

  • Vanishing deductible program rewards drivers for accident free years
  • AutoWatch feature gives customers the ability to stay updated on car repairs

Cons:

  • No online chat feature
  • Claims handling can often be delayed due to poor internal communication

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
863 A+

12. MAPFRE Insurance

MAPFRE USA Corporation services many states through local subsidiary branches. Commerce Insurance serves as its flagship company, providing auto insurance to Massachusetts residents. Alongside the flagship, Commerce West and American Commerce (more subsidiaries) sell auto insurance to residents of 14 other states. MAPFRE also has subsidiaries specifically selling to New York and Florida residents.

Pros & Cons

Pros:

  • Mobile app GO MAPFRE improves Massachusetts residents’ service experience
  • Great discounts on auto premiums for customers using telematics technology

Cons:

  • Only offers policies to 17 states in total
  • Reports of issues with customer service staff

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
868 A

13. Travelers

While mainly focusing on commercial property and casualty insurance for businesses, The Travelers Companies is well known for auto insurance as well. This large business insurer focuses on providing auto coverage specifically to companies in North America and also in the UK. Commercial businesses can also expect to have options for bonds and professional liability coverage through Travelers.

Pros & Cons

Pros:

  • Offers more coverage per dollar than most other insurers
  • Vast local agency network
  • Easy-to-use website

Cons:

  • Strict limits on coverage for electronics
  • Multiple customer complaints issued for billing difficulties

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
851 A++

14. Esurance

Esurance is a large subsidiary of The Allstate Corporation that has established a name for itself over time. The “E” in the name represents the company’s electronic presence. Consumers can only access the company online or on the phone. The lack of brick-and-mortar keeps costs down and allows for affordable premiums. Esurance provides coverage to about 500,000 customers through its 14 offices in 30 states.

Pros & Cons

Pros:

  • Good amount of insurance quote options to choose from
  • Low priced policies
  • Known for quick and efficient customer service team

Cons:

  • Mandatory linking to other companies while applying to quotes leads to extra electronic paperwork
  • Small charges and fees can unknowingly be added on to quotes

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
854 A+

15. Progressive

Traditionally, Progressive Corporation has served as a leading provider for high-risk auto insurance policies. But lately the company has transformed to focus on standard-risk and personal vehicle coverage too. Progressive offers commercial coverage for trucks along with its personal policies. And its 35,000 independent agents contact consumers directly over the phone and the internet to market their services.

Pros & Cons

Pros:

  • Online price comparison feature allows consumers to directly compare Progressive’s prices with competing companies
  • 24/7 claims service
  • Company handles all paperwork (no need to deal with any of it)!

Cons:

  • Lack of accreditation from the Better Business Bureau
  • Lower than average customer satisfaction rating

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
853 A+

16. Auto Club of Southern California Insurance Group

The Automobile Club of Southern California (ACSC) is an affiliate of the better known American Automobile Association. The insurance company specifically covers members of 14 California counties, including Los Angeles, San Diego, and San Bernardino to name a few. Unlike the majority of other insurers on the list, ACSC puts an extremely heavy focus on automobile insurance.

Pros & Cons

Pros:

  • Easy-to-use and optimized website
  • Teen Safe Driver Program allows parents to view their teen’s driving

Cons:

  • Only services select counties in California
  • Extra enrollment fee on top of generic membership costs when you join

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
851 A+

17. 21st Century

21st Century Insurance Company thrives through bypassing “the middleman.” The company does not sell policies using brokers. Therefore, its primary subsidiaries are able to offer customers inexpensive policies. 21st Century targets insurance sales towards good drivers, considered preferred-risk, in the states of California, Texas, and a few others.

Pros & Cons

Pros:

  • Some of the lowest auto insurance rates in the industry
  • Website provides valuable information to drivers purchasing new insurance
  • Second chance policies regarding incidents such as DUI’s

Cons:

  • Claims coverage is not offered 24/7 over the phone
  • Expensive down payments
  • Lack of in-person help due to online operation

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
858 A

18. American Family

American Family Mutual Insurance (also known as AmFam) specializes in providing both personal and commercial insurance to a wide range of areas, including auto coverage. AmFam services American residents across the nation. The company operates with other subsidiaries to underwrite policies together as the American Family Insurance Group.

Pros & Cons

Pros:

  • Several benefits and generous discounts
  • A teen safe driving program
  • Fantastic record of customer service and claims satisfaction

Cons:

  • Coverage is only provided to residents in 19 states for auto insurance
  • Difficult to navigate website
  • VIN is required to get a quote on car insurance

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
856 A

19. MetLife

Don’t let the inclusion of “metropolitan” in the name fool you. Metropolitan Life Insurance Company covers people in towns of all sizes across the globe. MetLife’s offices can be found in the US,  Japan, and over 50 other countries. The company is one of the largest and most well-known insurance providers on the planet. Its auto insurance policies are handled through the Metropolitan Property and Casualty subsidiary.

Pros & Cons

Pros:

  • Premium group discounts are offered to policyholders
  • Expands coverage in certain conditions at no extra cost

Cons:

  • Few discount opportunities for individuals
  • Average customer satisfaction score
  • Difficult and complex online quote system

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
850 A

20. Automobile Club Group

As the car insurance wing of American Automobile Association, Automobile Club Group has 69 auto clubs in the US providing policies to residents across America. ACG is known for providing quality service at cheap rates. Its parent company, AAA, was founded in 1902 in Chicago. The company has since grown to become one of the largest auto insurance providers in the nation.

Pros & Cons

Pros:

  • Very cheap policies
  • Abundant discount rates, including student discounts for good academic performance

Cons:

  • Has come under criticism by those lobbying for sustainable infrastructure
  • Enrollment fees on top of general membership costs

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
843 A+

21. Farmers

Farmers Insurance Exchange offers auto coverage all over the nation. The company is a subsidiary of the Farmers Insurance Group. Customers have the option to trade policies with other consumers via an AIF (attorney-in-fact). The Farmers Insurance Exchange is owned by subscribing members based in California.

Pros & Cons

Pros:

  • Specialized plans offered for collectible cars
  • Affordable rates and inexpensive quotes

Cons:

  • Lacks 24/7 customer service
  • Small support network compared to other insurers
  • East coast residents don’t have access to policies

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
849 A

22. Mercury

Founded in 1961, Mercury Insurance is an established insurance company in California. The company offers its auto insurance services to residents in 12 other states as well. Mercury has a broad network of independent agents to both market and sell policies. However, the insurer focuses on selling the essentials, leading to low costs.

Pros & Cons

Pros:

  • Good customer service reviews for claims handling and payment
  • Consistent record of meeting financial obligations

Cons:

  • Only 13 states have access to coverage policies
  • Availability of discounts and types vary significantly from state to state
  • Average overall customer reviews

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
840 A+

23. COUNTRY Financial

A group of farmers from Illinois originally founded COUNTRY Financial in 1925. And by 1926 the insurer was selling auto insurance. From its humble beginnings, COUNTRY Financial has grown to over 5,000 employees and representatives. Together the network services 1 million policyholders in 17 different states. The company’s main focus on covering American farmers.

Pros & Cons

Pros:

  • High customer satisfaction rating indicated by NAIC
  • Policies come with plenty of available add-ons

Cons:

  • No ability to receive an online quote
  • Mobile options lacking across several insurance niches

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
837 A+

24. CSAA Insurance Group

California State Automobile Association is quite a mouthful of a name. However, its generous policies are easier for consumers to deal with. CSAA covers auto insurance for 1 million members in over 15 states. The company mainly deals with clients in Northern California, Nevada, and Utah. In addition, it is one of the largest affiliates of the American Automobile Association (AAA).

Pros & Cons

Pros:

  • Relatively cheap auto insurance policies
  • High marks for customer service calls

Cons:

  • Multiple complaints of poor claims handling
  • Reports of payment and billing mishandling

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
842 A

25. Liberty Mutual

Liberty Mutual Insurance was founded in 1912 in Boston, Massachusetts. It is a global provider of insurance, and also holds the title for third largest property insurance company in America. In addition, the company ranks in the Fortune 100’s largest company list. Liberty Mutual offers policies for both personal and commercial automobile insurance to clients through 900 offices and 50,000 employees around the globe.

Pros & Cons

Pros:

  • Great overall customer service and claims handling scores
  • Wide range of features

Cons:

  • Does not offer major discounts similar to competing insurers
  • New car replacement is only available to select states
  • California and North Carolina residents can not enroll in the accident forgiveness program

Ratings

JD Power (out of 1000) AM Best Financial (letter grade)
841 A