Top Rated Auto Insurance Companies by Consumers

One of our five senses quickly tells us if we like something or if there is anything wrong with a tangible item, product or consumer good. But we have to follow a different method to judge intangible goods and services like insurance. That is why we need to look at what others, ideally current or past customers, say about them. In that aspect, knowing 20 top rated car insurance companies based on reviews from current policyholders will help you make a better choice.

The main issue with an insurance policy is that you don’t know if it is good or not, unless you have a claim and then it is too late to do anything about it. So, it is understandable that drivers may be anxious about their choices. Recommendations and reviews help motorists assess their choices and allow them to find those better value insurers in the market. Below list of recommended insurers take value into account as well that makes them really the best rated auto insurance companies. Sometimes, you may have to compromise between value and quality when the highly recommended carriers offer quotes that are over your budget.

You are getting a good value automobile insurance if you are getting good service and fast claim settlement from a highly rated insurer and not paying too much premium for it in comparison to other providers.

You should remember that your ideal insurer may be a bit further down the list and you may need to spend a little time to find the best rated car insurance company for your circumstances, especially when you have limited budget. So, you should always compare car insurance quotes from different companies. Any ranking of companies should be taken as a general guidance. In fact, the company that may serve you best may not be in there at all.

Table: List of Top Rated Auto Insurance Companies based on Policyholder Responses

There is no shortage of good reviews of vehicle insurance companies online, like this one. However, one of the most comprehensive one is carried out by insure.com. Every year, they survey current policyholders and score the insurers based on weighted responses. They ask the current customers what they look for in an insurance company. Then, they use Price, Customer Service, Claims Satisfaction, Recommendation and Renewal (in the same order of importance) when they are determining the overall score for each company. Individual responses for each category also displayed on the table. The table below reflects the responses of nearly 4000 current policyholders participated on this survey.

 CompanyOverall
Score
(100)
Good
Value
(100)
Recom-
mended
%
Like to
Renew
%
Claim
Service
(100)
Overall
Service
(100)
Fiscal
Rating
Notes
1USAA97919292100100A++Military
Only
2Auto Club S California959591929694A+California
Only
3CSAA Insurance919290929388AServes
23 States
4Travelers918984919891A++10th
Largest
5Mercury Insurance919386879094A+Serves
11 States
6State Farm908588989292A++Largest
Insurer
7The Hartford909188918890A+AARP
Discounts
8Progressive908688949388A+4th
Largest
9American Family899086919090A9th
Largest
10Nationwide898388949290A+8th
Largest
11GEICO888187949489A++2nd
Largest
12Titan Insurance888889908985A+High-Risk
Insurer
13Safeco Insurance888986908489AThrough
Brokers
14Allstate877886929292A+3rd
Largest
15The General878985848886A-High-Risk
Insurer
16Liberty Mutual878083909686A7th
Largest
1721st Century868787879081ADirect
Insurer
18Erie Insurance858987858087A+NE
Focus
19Esurance848185829280A+Online
Insurer
20Farmers Insurance817583918383A6th
Largest

Surprisingly the list isn’t filled with the biggest and most well-known insurers. 5 top car insurance companies still make the list but scattered around. On the contrary, it comprises of a few high-risk, nonstandard, local, online, direct, specialist and cheap insurers. It appears that people appreciate those companies that provided affordable coverage when they need it the most.

The fact that there are wide range of insurers on makes this table valuable to most types of drivers from nonstandard to high risk and the ones looking for better deal no matter how bad their records are.

You probably have a personal perspective when it comes to choosing your insurer. Usually, people’s unique circumstances, driving records and types of cars to be insured influence and perhaps limit the number of companies they can choose from. We have all sorts of list of auto insurance companies on our website to help you out. This is probably one of the best lists because it has all sorts of vehicle insurers in it that makes it helpful for large portion of motorists.

Drivers with a less-than-stellar driving record may have to look for affordable quotes harder while good drivers can get cheap rates even from the best auto insurance companies. You may currently be a nonstandard or high risk driver. But over time you can improve your records and qualify for a lower premium. The good news is that you can probably find coverage from one of the top-rated car insurance companies in the table above no matter what your circumstances are. That is why the table above can potentially serve nearly every driver.

Why not get a few quotes by entering your zip code above on our quote platform if you need coverage now or your current policy is due for renewal shortly. We have several highly competitive auto insurance carriers on our panel and there is a high chance one of them will offer you a quote you cannot refuse.

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