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 carriers. 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 quotes from different providers. Any rankings 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 providers online. 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 a carrier. 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.
| Company | Overall Score (100) | Good Value (100) | Recom- mended % | Like to Renew % | Claim Service (100) | Overall Service (100) | Fiscal Rating | Notes | |
|---|---|---|---|---|---|---|---|---|---|
| 1 | USAA | 97 | 91 | 92 | 92 | 100 | 100 | A++ | Military Only |
| 2 | Auto Club S California | 95 | 95 | 91 | 92 | 96 | 94 | A+ | California Only |
| 3 | CSAA Insurance | 91 | 92 | 90 | 92 | 93 | 88 | A | Serves 23 States |
| 4 | Travelers | 91 | 89 | 84 | 91 | 98 | 91 | A++ | 10th Largest |
| 5 | Mercury Insurance | 91 | 93 | 86 | 87 | 90 | 94 | A+ | Serves 11 States |
| 6 | State Farm | 90 | 85 | 88 | 98 | 92 | 92 | A++ | Largest Insurer |
| 7 | The Hartford | 90 | 91 | 88 | 91 | 88 | 90 | A+ | AARP Discounts |
| 8 | Progressive | 90 | 86 | 88 | 94 | 93 | 88 | A+ | 4th Largest |
| 9 | American Family | 89 | 90 | 86 | 91 | 90 | 90 | A | 9th Largest |
| 10 | Nationwide | 89 | 83 | 88 | 94 | 92 | 90 | A+ | 8th Largest |
| 11 | GEICO | 88 | 81 | 87 | 94 | 94 | 89 | A++ | 2nd Largest |
| 12 | Titan Insurance | 88 | 88 | 89 | 90 | 89 | 85 | A+ | High-Risk Insurer |
| 13 | Safeco Insurance | 88 | 89 | 86 | 90 | 84 | 89 | A | Through Brokers |
| 14 | Allstate | 87 | 78 | 86 | 92 | 92 | 92 | A+ | 3rd Largest |
| 15 | The General | 87 | 89 | 85 | 84 | 88 | 86 | A- | High-Risk Insurer |
| 16 | Liberty Mutual | 87 | 80 | 83 | 90 | 96 | 86 | A | 7th Largest |
| 17 | 21st Century | 86 | 87 | 87 | 87 | 90 | 81 | A | Direct Insurer |
| 18 | Erie Insurance | 85 | 89 | 87 | 85 | 80 | 87 | A+ | NE Focus |
| 19 | Esurance | 84 | 81 | 85 | 82 | 92 | 80 | A+ | Online Insurer |
| 20 | Farmers Insurance | 81 | 75 | 83 | 91 | 83 | 83 | A | 6th 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 firms 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 choices. 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 providers. 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 carriers 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.