The Top Insurance Companies for 2021

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Insurance isn't one-size-fits-all: a policy that suits your neighbor might not be right for you. Comparing auto insurance from the best companies can pay dividends in the form of lower premiums and better coverage. We've done some of the legwork by gathering data and putting together a comprehensive list of the best auto insurance companies. Across most metrics, USAA routinely came out on top. However, there are a number of great options to choose from. 

Use the links below to compare popular auto insurance companies' ratings, including customer satisfaction scores, coverage options, financial strength ratings, and The Zebra's Customer Satisfaction Survey. If you're curious about the best ways to save on car insurance, consult our collection of auto insurance resources to explore and ins-and-outs of liability insurance (bodily injury and property damage), collision and comprehensive coverage options, uninsured motorists, gap insurance, and more.

When you're ready to find a new policy, use The Zebra to get free insurance quotes online.

 

Table of contents:
  1. The top car insurance companies: survey results
  2. Top 10 most popular car insurance companies
  3. Best regional and mid-sized car insurance companies
  4. In-depth auto insurance company reviews

 


 

The top car insurance companies: survey results

The Zebra conducted a survey with the intention of understanding carriers from a customer's perspective. We asked how each major carrier held up in online experience, claims satisfaction, ease of use, customer service, trustworthiness, and willingness to recommend.

 

Best car insurance company overall: USAA

With an overall score of 4.6, USAA topped five out of our six main categories, including claims satisfaction, ease of use, customer service, trustworthiness, and willingness to recommend. Scores for the company were high across both male and female respondents. The company ranked well across multiple age groups as well. 

 

Best online experience: GEICO

While GEICO ranked well in many categories, customers were overall most satisfied with the company's online experience when compared to other top carriers. 

 

Best carriers ranked

Below are the overall results for The Zebra's Customer Satisfaction Survey of the top auto insurance carriers. All companies received a rating of at least 4 on a scale of 5. Have a look at how each company did below. 

Rank
Company
Average Customer Satisfaction Rating (out of 5)
1st
USAA
4.6
2nd
State Farm
4.5
3rd
Erie
4.4
4th
American Family
4.4
5th
Allstate
4.3
6th
Auto-owners
4.3
7th
Nationwide
4.3
8th
Progressive
4.3
9th
Liberty Mutual
4.3
10th
Auto Club (AAA)
4.2
11th
Kemper
4.2
12th
Farmers
4.2
13th
GEICO
4.2
14th
Travelers
4.2
15th
National General
4.0

 

Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.

 


 

What are the top 10 most popular auto insurance companies in America?

If you’re looking for cheap auto insurance, start by evaluating the most popular car insurance companies. Many major auto insurers are popular because of their affordable car insurance rates, reliable financials, broad territorial coverage, and responsive customer service and claims process. Let's explore the top property and casualty insurance companies, assessing their market share and customer service ratings.

Below are the largest insurance companies in America by 2020 market share for private passenger auto insurance, according to the National Association of Insurance Commissioners (NAIC).

 

Carrier

Premiums Written ($)

Market Share

State Farm

$40,397,655,895

16.27%

GEICO (Berkshire Hathaway)

$33,785,461,624

13.61%

Progressive

$33,171,940,695

13.36%

Allstate

$22,726,698,535

9.16%

USAA

$15,772,993,227

6.35%

Liberty Mutual

$11,847,079,323

4.77%

Farmers

$9,936,839,825

4.00%

Nationwide

$5,778,148,603

2.33%

American Family

$5,168,252,093

2.08%

Travelers

$4,890,392,624

1.97%


The total monetary value of premiums sold is the standard measure of size for an auto insurance provider, but other variables are worth considering when comparing car insurance options.

See below summaries of popular auto insurance companies' customer service ratings, claims satisfaction and rates.

 


 

1. State Farm

State Farm's major selling points include a personal insurance agent for every client and the backing of a company that controls 16% of the auto insurance market. This service and stability factors into State Farm's rates. The average State Farm policyholder pays 18% less than does a client of a typical major insurer (methodology).

Key Comparison Indicator

State Farm

J.D. Power Customer Satisfaction Rating (2021)

872 (Above Average)

J.D. Power Claims Satisfaction Rating (2021)

892 (Above Average)

AM Best Financial Stability Rating

Superior

NAIC Customer Complaint Index

Average

Average Monthly Cost

$107

Monthly Cost vs. Average Top 10 Rate

$19 less

 

Related content:

 


 

2. GEICO

GEICO offers affordable rates and solid customer service reviews. At $100 per month, GEICO stands as an affordable coverage option. According to the NAIC, GEICO was on the receiving end of fewer complaints than average in the most recent year of reporting.

Key Comparison Indicator

GEICO

J.D. Power Customer Satisfaction Rating (2021)

869 (Average)

J.D. Power Claims Satisfaction Rating (2021)

881 (Average)

AM Best Financial Strength Rating

Superior

NAIC Customer Complaint Index

Good

Average Monthly Cost

$100

Monthly Cost vs. Average Top 10 Rate

$26 less


Related content:

 


 

3. Progressive

The third-largest auto insurance provider in America — with 13% market share — Progressive has middling J.D. Power customer satisfaction scores. If you want auto insurance coverage from Progressive, expect to pay a bit more per month than average. Based on our sample driving profile, Progressive is moderately priced: it's the fifth-most expensive provider.

Key Comparison Indicator

Progressive

J.D. Power Customer Satisfaction Rating (2021)

856 (Below Average)

J.D. Power Claims Satisfaction Rating (2021)

862 (Below Average)

AM Best Financial Strength Rating

Superior

NAIC Customer Complaint Index

Average

Average Monthly Cost

$134

Monthly Cost vs. Average Top 10 Rate

$7 more

 

Related content:

 


 

4. Allstate

Allstate has an average J.D. Power Rating and relatively few registered NAIC complaints. Allstate is one of the pricier major insurers in America, averaging as the most expensive out of the ten largest insurance providers. At $168 per month, covering a vehicle through Allstate costs $41 more than choosing another large auto insurance company.

Esurance is an owned subsidiary of Allstate.

 

Key Comparison Indicator

Allstate

J.D. Power Customer Satisfaction Rating (2021)

870 (Average)

J.D. Power Claims Satisfaction Rating (2021)

870 (Average)

AM Best Financial Strength Rating

Superior

NAIC Customer Complaint Index

Good

Average Monthly Cost

$168

Monthly Cost vs. Average Top 10 Rate

$41 more

 
Related content:

 


 

5. USAA

Despite only offering policies for military members and their families, USAA holds 6% market share within the auto insurance space. The company earns exceptional J.D. Power ratings and offers considerable auto insurance discounts for qualifying drivers. Of the 10 car insurance companies surveyed, USAA's rates were the cheapest.

Key Comparison Indicator

USAA

J.D. Power Customer Satisfaction Rating (2021)

902 (Excellent)

J.D. Power Claims Satisfaction Rating (2021)

909 (Excellent)

AM Best Financial Strength Rating

Superior

NAIC Customer Complaint Index

Average

Average Monthly Cost

$90

Monthly Cost vs. Average Top 10 Rate

$37 less

 

Related content:

 


 

6. Liberty Mutual

Liberty Mutual carries a slightly below-average NAIC complaint score and solid customer sentiment, as measured by J.D. Power. Based on The Zebra's data, Liberty Mutual's rates are $16 more expensive per month than are the rates of the average large insurer.

Key Comparison Indicator

Liberty Mutual

J.D. Power Customer Satisfaction Rating (2021)

872 (Above Average)

J.D. Power Claims Satisfaction Rating (2021)

876 (Average)

AM Best Financial Strength Rating

Excellent

NAIC Customer Complaint Index

Poor

Average Monthly Cost

$143

Monthly Cost vs. Average Top 10 Rate

$16 more

 

Related content:

 



7. Farmers

Farmers scores moderately well in an overall assessment. The California-based insurance company has mixed customer service ratings and a below-average rating from the NAIC. As with State Farm, Farmers customers also get their own insurance agent. An auto insurance policy from Farmers is slightly more expensive than the average among large companies.

Key Comparison Indicator

Farmers

J.D. Power Customer Satisfaction Rating (2021)

868 (Below Average)

J.D. Power Claims Satisfaction Rating (2021)

893 (Excellent)

AM Best Financial Strength Rating

Excellent

NAIC Customer Complaint Index

Below Average

Average Monthly Cost

$137

Monthly Cost vs. Average Top 10 Rate

$10 more

 
Related content:

 


 

8. Nationwide

Nationwide offers relatively cheap premiums and the company's overall customer satisfaction sits near the middle of the pack. An auto insurance policy from Nationwide costs an average of $119 per month — about $8 less than average.

Key Comparison Indicator

Nationwide

J.D. Power Customer Satisfaction Rating (2021)

846 (Poor)

J.D. Power Claims Satisfaction Rating (2021)

876 (Average)

AM Best Financial Strength Rating

Superior

NAIC Customer Complaint Index

Average

Average Monthly Cost

$119

Monthly Cost vs. Average Top 10 Rate

$8 less

 
Related content:

 


 

9. American Family

The ninth-largest auto insurance company in the U.S., American Family, holds a little over 2% of the market share. American Family has solid ratings from J.D. Power and an average NAIC complaint score. Among the largest insurance companies, American Family is the fourth-cheapest.

Key Comparison Indicator

American Family

J.D. Power Customer Satisfaction Rating (2021)

899 (Excellent)

J.D. Power Claims Satisfaction Rating (2021)

889 (Above Average)

AM Best Financial Strength Rating

Excellent

NAIC Customer Complaint Index

Average

Average Monthly Cost

$112

Monthly Cost vs. Average Top 10 Rate

$15 less

 
Related content:

 



10. Travelers

Travelers owns just less than 2% of the U.S. insurance market, selling pricier-than-average policies. Travelers earns decent J.D. Power ratings and a good complaint rating from NAIC. At $154 per month, Travelers is more expensive than the group average.

Key Comparison Indicator

Travelers

J.D. Power Customer Satisfaction Rating (2021)

860 (Below Average)

J.D. Power Claims Satisfaction Rating (2021)

871 (Average)

AM Best Financial Strength Rating

Superior

NAIC Customer Complaint Index

Good

Average Monthly Cost

$154

Monthly Cost vs. Average Top 10 Rate

$27 more

 
Related content:

 


 

Best regional and mid-sized car insurance companies

Some car insurance companies only serve a small portion of the country. However, this does not mean that they are inferior. In fact, there are a number of smaller carriers that offer top-of-the-line coverage options and exceptional customer service. We've put together a list of some of the best car insurance companies by region, highlighting regional and mid-sized carriers that offer great coverage options. 

This list was put together using the same methodology as The Zebra's carrier reviews, incorporating third-party rankings from J.D. Power and the NAIC with coverage options offered. Have a look at the list below to find the best regional carriers in your part of the country. 

 

Northeast 

Including the following states: CT, MA, ME, NH, NJ, NY, PA, RI, VT

  1. Erie Insurance
  2. New Jersey Manufacturers
  3. Amica 
  4. Arbella
  5. Plymouth Rock

 

Southeast

Including the following states: AL, AR, DE, FL, GA, KY, LA, MD, MS, NC, SC, TN, VA, WV

  1. Farm Bureau Insurance - Tennessee
  2. Erie Insurance
  3. Alfa
  4. Auto-Owners Insurance
  5. North Carolina Farm Bureau

 

Midwest

Including the following states: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, SD, WI

  1. Auto-Owners Insurance
  2. Shelter Insurance
  3. Indiana Farm Bureau 
  4. Westfield Insurance
  5. Erie Insurance

 

Southwest

Including the following states: AZ, CO, NM, OK, TX, UT

  1. Texas Farm Bureau
  2. Auto Club of Southern California
  3. CSAA Insurance Group
  4. Country Financial
  5. Auto-Owners Insurance

 

West

Including the following states: AL, CA, HI, ID, MT, NV, OR, WA, WY

  1. Wawanesa
  2. PEMCO
  3. Grange Insurance
  4. CSAA Insurance Group
  5. Country Financial 

 


 

Which insurance company is the best? Every major insurance company, reviewed in-depth:

 

Wondering which is the most reliable car insurance company? The Zebra's insurance experts are here to help. We gathered reliable third-party data on America's most popular insurance companies and crafted unbiased reviews of each insurer. 

Each insurance company review includes The Zebra's overall score, as well as an overview of coverage options and discounts offered by each insurer. Dive into the details via the links below or learn more about our insurance review methodology.

 

Car insurance company reviews for 2021

Insurance company Overall rating (The Zebra)  Claims satisfaction (J.D. Power) Customer service (J.D. Power) Financial strength (AM Best) NAIC complaint index
USAA 5 out of 5 Excellent Above average Superior Excellent
GEICO 5/5 Average Above average Superior Average
Erie 5/5 Excellent Above average Superior Very good
Auto-Owners 5/5 Average Above average Superior Excellent
The Hartford 4.5/5 Excellent Below average Excellent Excellent
NJM 4.5/5 Not rated Above average Superior Excellent
Cincinnati 4.5/5 Not rated Above average Superior Above average
Amica 4.5/5 Excellent Excellent Superior Poor
Allstate 4/5 Average Below average Excellent Excellent
AIG 4/5 Not rated Below average Excellent Above average
Metromile 4/5 Not rated Not rated Not rated Below average
Progressive 4/5 Below average Below average Superior Excellent
Plymouth Rock 4/5 Not rated Below average Excellent Above average
Travelers 4/5 Average Below average Superior Above average
Bunker Hill 4/5 Not rated Not rated Excellent Above average
Chubb 4/5 Not rated Average Superior Excellent
Noblr 4/5 Not rated Not rated Not rated Above average
PURE  4/5 Not rated Not rated Excellent Above average
State Farm 4/5 Above average Above average Superior Excellent
American Family 4/5 Above average Excellent Excellent Average
Farmers 3.5/5 Excellent Below average Excellent Below average
Nationwide 3.5/5 Average Below average Superior Average
Allied 3.5/5 Not rated Not rated Superior Above average
MAPFRE 3.5/5 Not rated Not rated Superior Average
21st Century 3.5/5 Not rated Not rated Excellent Below average
Elephant 3.5/5 Not rated Not rated Excellent Below average
MetLife 3.5/5 Not rated Below average Superior Below average
Mercury 3.5/5 Not rated Below average Superior Above average
Liberty Mutual 3.5/5 Average Below average Superior Average
Safeco 3.5/5 Average Below average Excellent Below average
Kemper 3.5/5 Poor Not rated Excellent Below average
The General 3.5/5 Not rated Not rated Excellent Below average
Esurance 3/5 Not rated Below average Superior Below average
AAA 3/5 Below average Below average Superior Average
Foremost 3/5 Not rated Not rated Excellent Below average
Infinity 3/5 Not rated Not rated Excellent Below average
Safe Auto 3/5 Not rated Not rated Good Below average
Commonwealth Casualty 3/5 Not rated Not rated Not rated Above average
California Casualty 3/5 Not rated Not rated Good Below average
Hallmark 3/5 Not rated Not rated Excellent Average
Root 3/5 Not rated Not rated Not rated Below average
Direct Auto 3/5 Not rated Not rated Excellent Poor
Stonegate 3/5 Not rated Not rated Not rated Above average
AssuranceAmerica 3/5 Not rated Not rated Not rated Poor
Aspire General 2.5/5 Not rated Not rated Good Below average
Founders 2.5/5 Not rated Not rated Excellent Poor
Good2Go 2.5/5 Not rated Not rated Not rated Poor
Falcon 2.5/5 Not rated Not rated Not rated Poor

 

Insurance company review methodology

The Zebra's insurance company reviews incorporate a number of factors, including companies' financial strength, customer complaints, and overall customer satisfaction. Much of this information comes via customer satisfaction ratings from J.D. Power, financial strength metrics from AM Best, and consumer complaint reports conducted by the National Association of Insurance Commissioners (NAIC). 

These organizations provide a wealth of knowledge on the overall performance of most insurance companies:

  • J.D. Power focuses on product quality and customer satisfaction in its annual claims satisfaction studies. The J.D. Power information used by The Zebra's experts to generate ratings comes from the U.S. Auto Claims Satisfaction Study and the U.S. Home Insurance Study.
  • AM Best provides financial data on companies within the insurance industry. The Zebra uses AM Best's ratings to gauge companies' financial solidity. 
  • The NAIC lists the complaints it receives regarding individual companies in its Complaint Ratio Trend Report. This report is generated by dividing the total number of complaints each company receives by that company’s annual premiums. The Zebra uses this report to compare insurance companies' number of complaints to the industry average. 

The Zebra's reviews also include analysis of the insurance products provided by each company, including the coverage, endorsements, benefits, discounts, and additional lines of insurance sold by each company. We feel our ratings give an accurate and unbiased impression of what you can expect from each car insurance company.

Not every insurance company is big enough to be rated by these organizations. In these cases, we turned to alternative sources to guide our ratings: the Better Business Bureau, Consumer Reports, and other reputable ranking organizations. 

 


 

The top insurance companies: which one is the best?

Finding the best auto insurance company comes down to finding high-quality coverage at a competitive price. Use the car insurance premiums we displayed as a jumping-off point to guide your insurance shopping process. The Zebra's baseline data reflects a driver with a good credit score and a clean driving record. These car insurance premiums might not match a personalized car insurance quote you receive.

If you’re ready to find affordable auto insurance, enter your ZIP code above to see what the biggest and best car insurance companies in the U.S. have to offer you.