What are the best-rated car insurance companies?

The best-rated car insurance companies are Erie Insurance, Auto-Owners Insurance, and State Farm. Choosing the best-rated auto insurance company will depend on your unique needs as much as high industry ratings. Car insurance companies are rated by many different agencies that review these companies and publish annual reports in terms of financial strength, customer service, and other qualifying factors.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 23, 2020

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Car insurance companies are rated by many different agencies with the three most popular being A.M. Best, J.D. Power and Associates and Fitch Ratings. These agencies review car insurance companies and publish annual reports in terms of financial strength, customer service and other qualifying factors.

In terms of what the best rated car insurance companies are take a look at our car insurance comparison chart or read some car insurance company reviews. In terms of market share 10 companies dominate the US marketplace with over a 68% market share. The top 10 largest car insurance companies in America are:

  • State Farm
  • Allstate
  • Geico
  • Progressive
  • Farmers
  • Nationwide
  • Liberty Mutual
  • USAA
  • Travelers
  • American Family Mutual (AMFAM)

Choosing a car insurance company will depend on your unique needs as even with high industry ratings there are always reasons to choose one provider over another. Some insurers simply do not have a presence where you live, others have limited local representatives or a poor online account management tool.

The auto insurance industry is well regulated and drivers have a number of insurers to choose from. Most states have over 100 licensed car insurance companies which means your options are plentiful when it comes to finding an insurer however the best car insurance company for you really comes down to a personal choice.

Best Rated Car Insurance Company for Customer Satisfaction

In terms of customer satisfaction the Amica Mutual car insurance company scored the highest in the 2010 awards announced by J.D. Power and Associates for the 11th year in row. Some of the other best rated car insurance companies included:

  • Erie Insurance
  • Auto-Owners Insurance
  • State Farm
  • Geico
  • Liberty Mutual
  • American Family
  • Ameriprise

Finding a balance between affordable premiums and ratings can sometimes be a challenge for consumers however ultimately its about finding an insurance provider you can trust. Car insurance is a critical blanket of financial protection in the event of an accident and having a strong provider who can quickly handle your claim is worth doing the research for. Some of the things you can do to help chose an auto insurance provider include:

  • Compare Company Reviews
  • Ask around for Referrals
  • Learn about Coverage
  • Check with your State Department of Insurance for complaints filed

There is no way to crown the best overall car insurance company but with a little bit of work you certainly can find a reliable provider for your vehicle.

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