Which Car Insurance Company is Best?

When choosing car insurance, the cheapest option isn't always the best. Here's a guide to help you find the top-rated car insurance companies according to customer reviews and independent assessments.

 Top Car Insurance Companies

Our experts at The Zebra have ranked the best car insurance companies based on customer satisfaction, pricing, and survey data. Here's a summary of the top choices:

Top-Rated Car Insurance Companies

Below are the top three companies as evaluated by our experts, considering factors such as financial stability, customer satisfaction, and overall cost:

1. USAA

• Rating: 4.6/5
• Highlights: Best customer satisfaction, available to military members and their families.

2. NJM

• Rating: 4.6/5
• Highlights: High ratings in third-party reviews and customer satisfaction surveys.

3. Erie

• Rating: 4.6/5
• Highlights: Available in 12 states, consistently great scores in multiple categories.

Detailed Rankings

Rank	Company	Overall Score
1	USAA	4.6/5
2	NJM	4.6/5
3	Erie	4.6/5
4	Amica	4.5/5
5	State Farm	4.5/5
6	American Family	4.4/5
7	The Hartford	4.4/5
8	Nationwide	4.3/5
9	Allstate	4.3/5
10	Mercury	4.2/5

Methodology

The Zebra’s ratings are based on:

• Price (20%): Comparison of average rates.
• Coverage (20%): Variety and quality of coverage options.
• Customer Service (30%): Ratings from JD Power, NAIC, BBB, and Trust Pilot.
• Financial Strength (10%): Ratings from AM Best or alternative measures.
• Customer Satisfaction (20%): Based on The Zebra’s annual survey.

How to Get the Best Rate

Always compare multiple quotes to find the best coverage and price for your needs. Use resources like The Zebra to get instant quotes and detailed comparisons.

Best Companies by Region

Smaller, regional insurers also offer great options. Some of the top regional carriers include:

• Northeast: Erie Insurance, NJM, Amica.
• Southeast: Farm Bureau Insurance, Erie Insurance.
• Midwest: Auto-Owners Insurance, Shelter Insurance.
• Southwest: Texas Farm Bureau, Auto Club of Southern California.
• West: Wawanesa, PEMCO.

By considering these top-rated companies and their specific strengths, you can find the best car insurance to suit your needs and budget.