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. 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 vehicle insurance companies based on reviews from current policyholders will help you make a better choice.
The main issue with a 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 people may be anxious about their choices. Endorsements and reviews help motorists assess their choices and allow them to find those better values in the market. Below list takes value into account as well that makes the names on there really attractive if you are looking for quotations. Sometimes, you may have to compromise between value and quality when the desired name offer quotes that are over your budget.
You are getting a good value if you receive good service and fast claim settlement from a highly recommended insurer and pay reasonable premium for it in comparison to others.
You should remember that your ideal provider may be a bit further down and you may need to spend a little time to find the best for your circumstances, especially when you have limited budget. So, you should always compare quotes from different sources. Any rankings should be taken as a general guidance. In fact, the one that may serve you best may not be in there at all.
Table: List of Top Rated car Insurance Companies based on Policyholder Responses
There is no shortage of good reviews online. However, one of the most comprehensive one is carried out by insure.com. Every year, they survey current policyholders and score the providers 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. Individual responses for each category also displayed. 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 | 91 | 92 | 90 | 92 | 93 | 88 | A | Serves 23 States |
| 4 | Travelers | 91 | 89 | 84 | 91 | 98 | 91 | A++ | 10th Biggest |
| 5 | Mercury | 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 Biggest |
| 10 | Nationwide | 89 | 83 | 88 | 94 | 92 | 90 | A+ | 8th Biggest |
| 11 | GEICO | 88 | 81 | 87 | 94 | 94 | 89 | A++ | 2nd Largest |
| 12 | Titan | 88 | 88 | 89 | 90 | 89 | 85 | A+ | High-Risk Insurer |
| 13 | Safeco | 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 |
| 16 | Liberty Mutual | 87 | 80 | 83 | 90 | 96 | 86 | A | 7th Biggest |
| 17 | 21st Century | 86 | 87 | 87 | 87 | 90 | 81 | A | Direct |
| 18 | Erie | 85 | 89 | 87 | 85 | 80 | 87 | A+ | NE Focus |
| 19 | Esurance | 84 | 81 | 85 | 82 | 92 | 80 | A+ | Online |
| 20 | Farmers | 81 | 75 | 83 | 91 | 83 | 83 | A | 6th Largest |
Surprisingly the list isn’t filled with the biggest and most well-known names. 5 top car insurance companies still make it 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 carriers 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. Usually, people’s unique circumstances, driving records and types of cars influence and perhaps limit the number of choices. We have all sorts of list of automobile insurance companies on our website to help you out. This is probably one of the most useful lists because it has all sorts of names in it that makes it helpful for most motorists.
Drivers with a less-than-stellar record may have to look for affordable quotes harder while good drivers can get cheap rates even from the best auto insurance carriers in their regions. You may currently be a nonstandard or high risk driver. But over time you can improve records and qualify for a lower premium. The good news is that you can probably find coverage from one of them in the table above no matter what the circumstances are. That is why it can potentially serve nearly every motorist.
Why not get a few quotes by entering the zip code above on our platform if you need coverage now or the current one is due for renewal shortly. We have a very competitive marketplace and there is a high chance one of them will offer you a quote you cannot refuse. It is best to know the score even if you aren’t going to do anything about it.