The 25 Best Auto Insurance Companies in America for 2023

Last Updated on January 12, 2023

Choosing the right auto insurance company is a challenging process. With so many different companies offering similar coverage packages, deciding who to buy from can become quite overwhelming.

Which insurer best suits your needs? Which insurer has the most affordable auto insurance premiums? Which insurer has the best customer service and the best claims filing process?

We understand you might have a lot of questions regarding your purchase. Luckily, we’ve researched and compiled a detailed list of the top 25 best auto insurance companies in the United States for 2023 to help simplify your decision.

The rankings are based on JD Power scores, AM Best Financial grades, and other miscellaneous criteria.

Please click on the company name below to see an overview of its pros & cons, its industry ratings, and contact information.

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.

Amica Mutual Pros & Cons

Pros:

• Perfect claims satisfaction scores through JD Power’s “Auto Insurance Claims Satisfaction Study”
• Low amount of customer complaints
• A wide range of Amica discounts are available
• Helpful online advisors to guide you along the process of choosing a policy

Cons:

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

Amica Mutual Ratings

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

Amica Mutual Company Info

Amica Mutual
Company Address	100 Amica Way Lincoln, RI 02865
Phone Number	1-800-242-6422
Website URL	https://www.amica.com/

2. USAA

The United States Army Automobile Association was created in 1922 in 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 provider for more than 6 million Americans. 8 offices in total can be found in the US and Europe.

USAA Pros & Cons

Pros:

• Extremely fair and competitive rates
• A portion of profits is 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

USAA Ratings

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

USAA Company Info

USAA
Company Address	9800 Fredericksburg Road San Antonio, TX 78288
Phone Number	1-210-531-USAA
Website URL	http://www.usaa.com/

3. Auto-Owners Insurance

Auto-Owners Insurance and its three subsidiaries provide insurance coverage to some 5 million people. Auto-Owners Insurance began in 1916 and currently provides coverage policies to people in 26 states. Over 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.

Auto-Owners 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 full national coverage

Auto-Owners Ratings

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

Auto-Owners Company Info

Auto-Owners
Company Address	6101 Anacapri Blvd. Lansing MI, 48917
Phone Number	1-517-323-1200
Website URL	https://www.auto-owners.com/

4. NJM Insurance Company

New Jersey Manufacturers Insurance Company originally sold its policies to New Jersey state employees and New Jersey Business & Industry Association members and employees. Recently, it expanded its customer base by allowing all New Jersey and Pennsylvania residents to purchase coverage.

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

NJM Pros & Cons

Pros:

• Car insurance policies are set at competitive rates
• Customer satisfaction is high for coverage and claims
• Several discounts and cost-saving opportunities are available

Cons:

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

NJM Ratings

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

NJM Company Info

NJM
Company Address	301 Sullivan Way West Trenton, NJ 08628
Phone Number	1 (800) 232-6600
Website URL	https://www.njm.com/

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 and ten 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.

Erie Pros & Cons

Pros:

• A 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 highly rated companies

Erie Ratings

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

Erie Company Info

Erie
Company Address	100 Erie Insurance Place Erie, PA 16530
Phone Number	1-800-458-0811
Website URL	https://www.erieinsurance.com/

6. GEICO

The Government Employees Insurance Company (GEICO) sells policies to all citizens across the United States. Originally opting to cover low-risk groups such as federal government employees, GEICO has since expanded to cover 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.

GEICO 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

GEICO Ratings

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

GEICO Company Info

GEICO
Company Address	5260 Western Avenue Chevy Chase, MD 20815
Phone Number	1-800-861-8380
Website URL	https://www.geico.com/

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.

The Hartford Pros & Cons

Pros:

• Customer service has received multiple awards
• A 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

The Hartford Ratings

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

The Hartford Company Info

The Hartford
Company Address	One Tower Square Hartford, CT 06183
Phone Number	1-800-413-8970
Website URL	https://www.thehartford.com/

8. State Farm

State Farm is a group of insurance companies bound together. Headquartered in Bloomington, Illinois, the figurehead and the 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.

State Farm Pros & Cons

Pros:

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

Cons:

• Must give up multiple pieces of private personal information just to get a quote
• Few opportunities for discounts

State Farm Ratings

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

State Farm Company Info

State Farm
Company Address	1 State Farm Plaza Bloomington, IL 61701
Phone Number	1-309-766-2311
Website URL	https://www.statefarm.com/

9. The Hanover

The Hanover Insurance Group is 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.

The Hanover Pros & Cons

Pros:

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

Cons:

• Expensive costs of policies offered

The Hanover Ratings

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

The Hanover Company Info

The Hanover
Company Address	440 Lincoln St Worcester, MA 01653
Phone Number	1 (800) 922-8427
Website URL	https://www.hanover.com/

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.

Allstate 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

Allstate Ratings

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

Allstate Company Info

Allstate
Company Address	2775 Sanders Road Northbrook, IL 60062
Phone Number	1-800-255-7828
Website URL	https://www.allstate.com/

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.

Nationwide Pros & Cons

Pros:

• Its 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

Nationwide Ratings

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

Nationwide Company Info

Nationwide
Company Address	One Nationwide Plaza Columbus, OH 43215
Phone Number	1-877-669-6877
Website URL	https://www.nationwide.com/

12. MAPFRE Insurance

MAPFRE USA Corporation services many states through local subsidiary branches. Commerce Insurance is 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.

MAPFRE 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

MAPFRE Ratings

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

MAPFRE Company Info

MAPFRE
Company Address	211 Main St Webster, MA 01570
Phone Number	(800) 222-2114
Website URL	https://www.mapfreinsurance.com/

13. Travelers

While mainly focusing on commercial property and casualty insurance for businesses, The Travelers Companies is well known for auto insurance. 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.

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 were issued for billing difficulties

Travelers Ratings

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

Travelers Company Info

Travelers
Company Address	485 Lexington Ave 10th Fl New York, NY 10017
Phone Number	1-866-218-5589
Website URL	https://www.travelers.com/

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.

Esurance Pros & Cons

Pros:

• A good amount of insurance quote options to choose from
• Low-priced policies and extensive discount options
• Known for its 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 to quotes

Esurance Ratings

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

Esurance Company Info

Esurance
Company Address	650 Davis St San Francisco, CA 94111
Phone Number	1-800-378-7262
Website URL	https://www.esurance.com/

15. Progressive

Traditionally, Progressive Corporation has served as a leading provider of high-risk auto insurance policies. But lately, the company has focused 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.

Progressive Pros & Cons

Pros:

• Their online price comparison feature allows consumers to compare Progressive’s prices with competing companies directly
• 24/7 claims service
• The company handles all paperwork (no need to deal with any of it)!
• Extensive discounts for safe driving, being a good student, buying multiple policies, etc.

Cons:

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

Progressive Ratings

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

Progressive Company Info

Progressive
Company Address	6300 Wilson Mills Road Mayfield Village, OH 44143
Phone Number	1-800-776-4737
Website URL	https://www.progressive.com/

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 covers drivers of 14 California counties, including Los Angeles, San Diego, and San Bernardino. Unlike most other insurers on our list, ACSC puts an extremely heavy focus on automobile insurance.

ACSC 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

ACSC Ratings

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

ACSC Company Info

Auto Club of Southern California
Company Address	PO Box 25001 Santa Ana, CA 92799
Phone Number	1-888-883-8417
Website URL	https://www.calif.aaa.com/

17. 21st Century

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

21st Century Pros & Cons

Pros:

• Some of the lowest auto insurance rates in the industry
• The website provides valuable information to drivers purchasing new insurance
• Second-chance policies regarding incidents such as DUIs

Cons:

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

21st Century Ratings

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

21st Century Company Info

21st Century Insurance
Company Address	3 Beaver Valley Road Wilmington, DE 19803
Phone Number	1 (877) 401-8181
Website URL	https://www.21st.com/

18. American Family

American Family Mutual Insurance (also known as AmFam) provides personal and commercial insurance in many 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.

American Family 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

American Family Ratings

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

American Family Company Info

American Family
Company Address	6000 American Parkway Madison, WI 53783
Phone Number	1-800-692-6326
Website URL	https://www.amfam.com/

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.

MetLife 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
• A difficult and complex online quote system

MetLife Ratings

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

MetLife Company Info

MetLife
Company Address	200 Park Avenue New York City, NY 10166
Phone Number	1-800-638-5433
Website URL	https://www.metlife.com/

20. Automobile Club Group

As the car insurance wing of the 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.

Automobile Club Group 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

Automobile Club Group Ratings

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

Automobile Club Group Company Info

Automobile Club Group
Company Address	1000 AAA Dr. Heathrow, FL 32746
Phone Number	1-888-637-2287
Website URL	https://www.aaa.com/

21. Farmers

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

Farmers 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

Farmers Ratings

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

Farmers Company Info

Farmers
Company Address	4680 Wilshire Blvd Los Angeles, CA 90010
Phone Number	1-888-327-6335
Website URL	https://www.farmers.com/

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.

Mercury 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

Mercury Ratings

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

Mercury Company Info

Mercury
Company Address	4484 Wilshire Blvd Los Angeles, CA 90010
Phone Number	1-800-503-3724
Website URL	https://www.mercuryinsurance.com/

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 is on covering American farmers.

COUNTRY Financial 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

COUNTRY Financial Ratings

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

COUNTRY Financial Company Info

COUNTRY Financial
Company Address	701 Towanda Ave Bloomington, IL 61701
Phone Number	1 (866) 268-6879
Website URL	https://www.countryfinancial.com/

24. CSAA Insurance Group

The California State Automobile Association (CSAA) 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).

CSAA Insurance 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

CSAA Insurance Ratings

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

CSAA Insurance Company Info

CSAA Insurance
Company Address	3055 Oak Road Walnut Creek, CA 94597
Phone Number	1-925-279-2300
Website URL	https://csaa-insurance.aaa.com

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 of the third-largest property insurance company in America. In addition, the company ranks on 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.

Liberty Mutual Pros & Cons

Pros:

• Great overall customer service and claims handling scores
• A wide range of features
• An extensive amount of discounts

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

Liberty Mutual Ratings

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

Liberty Mutual Company Info

Liberty Mutual
Company Address	75 Berkeley Street Boston, MA 02116
Phone Number	1-888-398-8924
Website URL	https://www.libertymutual.com/