Best Car Insurance Companies in 2018

Which company ranks #1 in customer satisfaction and holds the best financial strength rating?

Which is the best car insurance company in 2018?


There many ways to measure the best insurance provider. You could compare insurers' customer service, tfheir coverage options, claims satisfaction, or simply contrast their prices. Determining which is the best auto insurance company for you comes down to what you're looking for.

We assessed each and every car insurance provider in the US, analyzing their financial strength, J.D. Power Ratings, and customer satisfaction levels. Compare companies below or click here to see the best car insurance companies of 2018 in aggregate.


  1. Which car insurance company is best?
  2. Which car insurance companies have the best customer reviews?
  3. Which car insurance companies maintain the best financial strength?
  4. Which car insurance companies have the best J.D. Power ratings?
  5. What are the best car insurance companies by state?


What's the best overall car insurance company in 2018?


Our top car insurance company of 2018 is UPC Insurance, a Florida-based company that writes home and car insurance policies in 12 states along the southern coast. UPC specializes in coverage for hurricane-prone areas. If you live along the coast, you understand the difficulty of finding quality auto insurance, let alone coverage from a company with a "superior" financial strength rating and a stellar J.D. Power rating.

You might be more familiar with our other leading insurance companies. Nationwide, Progressive, State Farm, and Farmers are among the U.S.' most popular auto insurers — for good reason, based on the below findings.


Overall RankCustomer RatingJ.D. Power RankingFinancial Strength
1. UPCA++5Superior
2. Auto-OwnersA+5Superior
3. ErieA+5Superior
4. AmicaA+4Superior
5. NationwideA+4Superior
6. 21st CenturyA+3Excellent
7. AlliedA+3Superior
8. AllstateA+3Superior
9. CountryA+3Superior
10. FarmersA+3Excellent
11. First NationalA+3Excellent
12. PeerlessA+3Excellent
13. ProgressiveA+3Superior
14. SAFECOA+3Excellent
15. State FarmA++3Superior


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Which car insurance company has the best customer service?


Customer service is important. If you need help understanding your coverage or require support during the claims process, you might consider customer satisfaction ratings as a good place to start your search for the car insurance company with the best customer service.

Car Insurance ProviderCustomer Service Rating
1. ChubbA++
2. State FarmA++
3. UPCA++
4. 21st CenturyA+
5. EsuranceA+
6. AcuityA+
7. ProgressiveA+
8. AlliedA+
9. AllstateA+
10. American FreedomA+
11. AmeripriseA+
12. AmicaA+
13. Auto-OwnersA+
14. NationwideA+
15. MercuryA+


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Which company has the best financial strength?


Car insurance is designed to cover your assets in the event of a crash or incident. You should look for an insurance company with enough financial fortitude to protect and replace your insured assets in the event of a lawsuit or loss. Below are top auto insurance companies in order of their 2018 financial strength levels.


Car Insurance ProviderFinancial Strength
1. MetLifeSuperior
2. TravelersSuperior
3. AAASuperior
4. AcuitySuperior
5. AlliedSuperior
6. AllstateSuperior
7. AmeripriseSuperior
8. AmicaSuperior
9. Auto-OwnersSuperior
10. Baldwin & LyonsSuperior
11. Cincinnati InsuranceSuperior
12. CountrySuperior
13. DairylandSuperior
14. EncompassSuperior
15. Tennessee Farm BureauSuperior


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Highest J.D. Power Ratings


J.D. Power ratings can tell you a lot about a product or company. The company creates reports based on consumer feedback, detailing a variety of industries. See below the top-rated insurance companies in the US by J.D. Power's 2018 ratings.

Car Insurance ProviderJ.D. Power Rating
1. Auto-Owners5
2. Erie5
3. UPC5
4. New Jersey Manufacturers5
5. Amica4
6. Nationwide4
7. American Family4
8. The Hartford4
10. MetLife3
11. Travelers3
12. Allied3
13. Allstate3
14. Country3
15. Harleysville3


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  • Alabama: ALFA, Allstate, Auto-Owners, Cal Casualty, Cincinnati Insurance, Country, Farmers, GEICO, Liberty Mutual, MetLife, Nationwide, Progressive, Safeco, Safeway, State Auto, State Farm, Travelers
  • Alaska: Allstate, GEICO, Progressive, Safeco, State Farm, Umialik, USAA
  • Arizona: 21st Century, Allied, Allstate, American Family, Ameriprise Group, Amica, Auto-Owners, Cal Casualty, Country, CSAA, Encompass, Farmers, GEICO, Liberty Mutual, Mercury, MetLife, Nationwide Progressive, Safeco, Safeco, State Farm, The Hartford, Titan, Travelers, Unitrin, USAA
  • Arkansas: ALFA, Allstate , Auto Club, Auto-Owners, Cameron Mutual, Columbia Insurance, Farmers, GEICO, Hanover, Home State, InsureMax, Liberty Mutual, MetLife, Nationwide, Progressive, Safeco, Sentry Shelter, Southern Farm Bureau, Southern Farm Bureau, State Farm, Travelers, United Automobile, USAA
  • California: 21st Century, Allied, Allstate, Auto Club, Bristol West, California Capital, Century National, CSAA, Esurance, Farmers, GEICO, Grange, Liberty Mutual, Mercury, MetLife, Nationwide, Progressive Safeco, State Farm, State Farm, Travelers, Unitrin, USAA, Wawanesa
  • Colorado: Allied, Allstate, American Family, Amica, Auto-Owners, Cal Casualty, Colorado Farm Bureau, Encompass, Farmers, GEICO, Grange, MetLife, Nationwide, Progressive, Safeco, State Farm, The Hartford Titan, Travelers, Travelers, Unitrin, USAA
  • Connecticut: Allstate, Amica, Cal Casualty, Electric, Encompass, Foremost, GEICO, General Casualty, Hanover, Liberty Mutual, MetLife, Middlesex, Nationwide, Progressive, Safeco, State Farm, Travelers Unitrin, USAA, USAA, Victoria
  • Delaware: Allstate, Atlantic States, Cal Casualty, Donegal Mutual, Encompass, GEICO, Liberty Mutual, MetLife, National Grange Mutual, Nationwide, Progressive, Sentry, State Farm, Titan, Travelers, USAA
  • Florida: 21st Century, Allied, Allstate, Amica, Auto-Owners, Direct General, Electric, Esurance, GEICO, Hanover, Infinity, Liberty Mutual, Mercury, MetLife, Progressive, Safeco, State Farm Travelers, United Automobile, United Automobile, USAA
  • Georgia: Allied, Allstate, Auto-Owners, Cal Casualty, Central Mutual, Country, Encompass, GEICO, Georgia Farm Bureau, Liberty Mutual, Mercury, MetLife, Nationwide, Progressive, Safeco, State Farm, The Hartford Travelers, USAA, USAA, Victoria
  • Hawaii: AIG, Allstate, GEICO, Liberty Mutual, Progressive, State Farm, USAA
  • Idaho: Allied, Allstate, American Family, American National, Auto-Owners, Baldwin & Lyons, Cal Casualty, Farm Bureau of ID Group, GEICO, Grange, Liberty Mutual, MetLife, Mutual Enumclaw, Nationwide, Oregon Mutual, Progressive, Safeco Sentry, State Farm, State Farm, The Hartford, Travelers, USAA, Workmen's Auto
  • Illinois: 21st Century, Allstate, American Family, Amica, Auto Club Group, Auto-Owners, Cal Casualty, Cincinnati Insurance, Country, Encompass, Erie, Esurance, Farmers, First Chicago Maverick, GEICO, General Casualty, Grange Mutual Hanover, Hastings Mutual, Hastings Mutual, Liberty Mutual, Mercury, MetLife, Nationwide
  • Indiana: Allied, Allstate, American Family, Auto-Owners, Cal Casualty, Celina Insurance, Cincinnati Insurance, Erie, Farmers, First Chicago Maverick, GEICO, General Casualty, Grange Mutual, Hanover, Hastings Mutual, Indiana Farmers Mutual, Liberty Mutual MetLife, Motorists Mutual, Motorists Mutual, Pekin Insurance, Progressive, Safeco, Sentry, State Auto, State Farm, The Hartford, Travelers, United Farm Bureau, USAA, Utica National, Victoria, Western Reserve, Westfield, Wolverine Mutual
  • Iowa: Allied, Allstate, American Family, Auto-Owners, Cameron Mutual, EMC, Farmers, GEICO, General Casualty, Grinnell, Hastings Mutual, IMT Insurance, Liberty Mutual, MetLife, Nationwide, Partners Mutual, Pekin Insurance Progressive, Safeco, Sentry, State Farm, Travelers, USAA, Victoria, Western National
  • Kansas: Allied, Allstate, American Family, Auto Club, Auto-Owners, Cal Casualty, Electric, Encompass, Farmers, GEICO, Liberty Mutual, MetLife, National Farmers Union, Nationwide, Progressive, Safeco, Shelter State Farm, The Hartford, Travelers, USAA
  • Kentucky: Allstate, Auto-Owners, Cincinnati Insurance, Electric, Encompass, GEICO, Grange Mutual, Kentucky Farm Bureau, Liberty Mutual, MetLife, Motorists Mutual, Nationwide, Progressive, Safeco, Shelter, State Auto, State Farm Travelers, USAA, Westfield
  • Louisiana: Allstate, Cal Casualty, Encompass, GEICO, Liberty Mutual, MetLife, Progressive, Safeway, Southern Farm Bureau, State Farm, USAA
  • Maine: Allstate, Bristol West, Concord, Countryway Insurance, GEICO, Hanover, Liberty Mutual, MetLife, MMG Insurance, OneBeacon, Patriot, Peerless, Progressive, Sentry, State Farm, The Hartford, Travelers USAA, Vermont Mutual
  • Maryland: Allstate, Amica, Cal Casualty, Encompass, Erie, GEICO, Liberty Mutual, MetLife, Nationwide, Penn National, Progressive, State Auto, State Farm, Travelers, USAA, Victoria
  • Massachusetts: Allstate, Amica, Arbella, Commerce Insurance, Encompass, GEICO, Hanover, Liberty Mutual, MetLife, National Grange Mutual, Norfolk and Dedham, OneBeacon, Peerless, Plymouth Rock, Progressive, Quincy Mutual, Safety Group State Farm, Travelers, USAA, Vermont Mutual
  • Michigan: Allied, Allmerica, Allstate, Auto Club Group, Auto-Owners, Bristol West, Chubb, Encompass, Esurance, Farm Bureau, Farmers, Frankenmuth, GEICO, Grange Mutual, Hanover, Hastings Mutual, Liberty Mutual MEEMIC, Mercury, Mercury, Michigan Millers Mutual, National General, Nationwide, Pioneer State Mutual, Progressive, Safeco, SECURA, State Farm, USAA, Wolverine Mutual
  • Minnesota: Allied, Allstate, American Family, Auto Club Group, Auto-Owners, Cal Casualty, Country, Encompass, Farmers, GEICO, General Casualty, Liberty Mutual, MetLife, National Farmers Union, Nationwide, North Star, Progressive State Farm, The Hartford, The Hartford, USAA, West Bend Mutual, Western National
  • Mississippi: ALFA, Allstate, Direct General, GEICO, Liberty Mutual, Nationwide, Progressive, Safeco, Safeway, Shelter, Southern Farm Bureau, State Farm, Travelers, Unitrin, USAA
  • Missouri: 21st Century, Allied, Allstate, American Family, Auto Club, Auto-Owners, Cal Casualty, Cameron Mutual, Electric, Encompass, Farmers, GEICO, MetLife, Missouri Farm Bureau, Nationwide, Progressive, Safeco Shelter, State Farm, State Farm, Travelers, USAA
  • Montana: Allied, Allstate, Cal Casualty, Farmers, GEICO, MetLife, National Farmers Union, Progressive, Safeco, State Farm, USAA
  • Nebraska: Allied, Allstate, American Family, American National, Auto Club Group, Auto-Owners, Cal Casualty, EMC, Farmers, Farmers Mutual of Nebraska, GEICO, General Casualty, Iowa Mutual, Liberty Mutual, MetLife, Nationwide, North Star Progressive, Safeco, Safeco, State Farm, The Hartford, USAA
  • Nevada: Allied, Allstate, American Family, Bristol West, Capital, Country, Encompass, Farmers, GEICO, Liberty Mutual, Mercury, MetLife, Nationwide, Oregon Mutual, Progressive, Safeco, State Farm Travelers, USAA, USAA, Victoria
  • New Hampshire: Allstate, Amica, Commerce Insurance, Concord, Encompass, GEICO, Hanover, Liberty Mutual, MetLife, MMG Insurance, Nationwide, Patriot, Progressive, Safeco, State Farm, The Hartford, Travelers USAA, Vermont Mutual, Vermont Mutual, 21st Century
  • New Jersey: 21st Century, Allstate, Amica, Cal Casualty, Encompass, Esurance, GEICO, Hanover, Liberty Mutual, Mercury, MetLife, New Jersey Manufacturers, Penn National, Progressive, State Farm, The Hartford, Travelers USAA
  • New Mexico: Allied, Allstate, Cal Casualty, Central Mutual, Encompass, Farmers, GEICO, Liberty Mutual, MetLife, Progressive, Safeco, Sentry, State Farm, The Hartford, Travelers, USAA
  • New York: 21st Century, Allstate, Amica, Central Mutual, Encompass, Erie, GEICO, Hanover, Liberty Mutual, Mercury, MetLife, Nationwide, New York Central Mutual, Preferred Mutual, Progressive, Safeco, State Farm, Travelers, USAA, USAA, Utica National
  • North Carolina: Allied, Allstate, Auto-Owners, Encompass, Erie, GEICO, Liberty Mutual, MetLife, National General, Nationwide, NC Farm Bureau, Peerless, Penn National, Progressive, Safeco, State Farm, Titan, Travelers, Unitrin, Unitrin, Utica National
  • North Dakota: Allied, Allstate, American Family, Auto Club Group, Auto-Owners, Dairyland, EMC, Farmers, GEICO, Grinnell, Liberty Mutual, MetLife, National Farmers Union, Nodak Mutual, North Star, Progressive, Safeco, State Auto, State Farm, State Farm, USAA
  • Ohio: AIG, Allied, Allstate, American Family, Atlantic States, Auto-Owners, Celina Insurance, Central Mutual, Cincinnati Insurance, Encompass, Erie, Farmers, Frankenmuth, GEICO, General Casualty, Grange Mutual, Hastings Mutual Liberty Mutual, Merchants Insurance Group, Merchants Insurance Group, Motorists Mutual, Nationwide, Ohio Mutual, Progressive, Safeco, State Auto, State Farm, Titan, Travelers, USAA, Utica National, Western Reserve, Westfield
  • Oklahoma: Allstate, Farmers, GEICO, Home State, Liberty Mutual, Mercury, MetLife, Oklahoma Farm Bureau, Progressive, Safeco, Shelter, State Farm, The Hartford, Travelers, USAA
  • Oregon: 21st Century, Allied, Allstate, American Family, Amica, Cal Casualty, Country, Encompass, Farmers, GEICO, Grange, Liberty Mutual, MetLife, Mutual Enumclaw, Nationwide, Oregon Mutual, Progressive Safeco, Sentry, State Farm, Travelers, USAA
  • Pennsylvania: Allied, Allstate, American Independent, Amica, Atlantic States, Auto-Owners, Cal Casualty, Chubb, Donegal Mutual, Encompass, Erie, GEICO, General Casualty, Harleysville, Liberty Mutual, Mercury, MetLife Motorists Mutual, Mutual Benefit Group, National General, Nationwide, Penn National, Progressive, Safeco, Sentry, State Auto, State Farm, Travelers, USAA
  • Rhode Island: Allstate, Amica, Cal Casualty, Encompass, GEICO, Liberty Mutual, MetLife, National Grange Mutual, Nationwide, Peerless, Progressive, Quincy Mutual, State Farm, Travelers, USAA
  • South Carolina: Allstate, Auto-Owners, Bristol West, Encompass, GEICO, Liberty Mutual, National Grange Mutual, Nationwide, Progressive, Safeco, Southern Farm Bureau, State Auto, State Farm, The Hartford, Travelers, USAA
  • South Dakota: Allied, Allstate, American Family, Auto-Owners, Buckeye, Farmers, Farmers Mutual of Nebraska, GEICO, National Farmers Union, North Star, Progressive, Safeco, State Farm, Unitrin, USAA, Western National
  • Tennessee: 21st Century, Allied, Allstate, Auto-Owners, Cal Casualty, Celina Insurance, Chubb, Cincinnati Insurance, Direct General, Encompass, Erie, Farmers, GEICO, Grange Mutual, Liberty Mutual, MetLife, Nationwide Penn National, Progressive, Safeco, Shelter, State Auto, State Farm, Tennessee Farm Bureau, The Hartford, Travelers, USAA, Utica National, Westfield
  • Texas: 21st Century, Allstate, Amica, Cal Casualty, Encompass, Esurance, GEICO, Germania Mutual, Home State, Liberty Mutual, Mercury, MetLife, Nationwide, Progressive, Safeco, State Farm, Texas Farm Bureau Titan, Travelers, Unitrin, USAA
  • Utah: Allied, Allstate, American Family, Auto-Owners, Bear River, Cal Casualty, Encompass, Farmers, GEICO, Liberty Mutual, MetLife, Nationwide, Progressive, Safeco, State Farm, Travelers, Unigard USAA
  • Vermont: Allstate, Cal Casualty, Co-Operative Insurance, Concord, GEICO, Liberty Mutual, MetLife, MMG Insurance, National Grange Mutual, Nationwide, Progressive, Safeco, Sentry, State Farm, The Hartford, Travelers, Union Mutual Unitrin, USAA, Vermont Mutual
  • Virginia: ALFA, Allied, Allstate, Amica, Auto-Owners, Cal Casualty, Chubb, Cincinnati Insurance, Donegal Mutual, Electric, Encompass, Erie, GEICO, Liberty Mutual, Mercury, MetLife, National General National Grange Mutual, Nationwide, Penn National, Progressive, Safeco, State Farm, The Hartford, Travelers, USAA, Utica National, Victoria, Virginia Farm Bureau
  • Washington: Allied, Allstate, American Family, Amica, Bristol West, Cal Casualty, Capital, Chubb, Encompass, Farmers, GEICO, Grange, Liberty Mutual, MetLife, Mutual Enumclaw, National General, Nationwide PEMCO, Progressive, Safeco, Sentry, State Farm, The Hartford, Travelers, USAA, Allstate
  • West Virginia: Allstate, Cal Casualty, Encompass, Erie, GEICO, Liberty Mutual, Motorists Mutual, Nationwide, Progressive, Safeco, Sentry, State Auto, State Farm, The Hartford, USAA, Westfield
  • Wisconsin: Acuity, Allied, Allstate, American Family, Auto Club Group, Auto-Owners, Encompass, Erie, Farmers, GEICO, General Casualty, Integrity Mutual, Liberty Mutual, MetLife, Nationwide, Partners Mutual, Pekin Insurance Progressive, Rockford Mutual, Safeco, SECURA, Sentry, State Auto, State Farm, The Hartford, Travelers, USAA, West Bend Mutual, Western National
  • Wyoming: Allstate, Cal Casualty, GEICO, Grange, National Farmers Union, Safeco, State Farm, The Hartford, USAA


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Additional resources


If you're looking for more info on car insurance, see our additional and related articles.