The Best Car Insurance Companies (2025)
- USAA earned the highest overall score in our survey.
- State Farm and Erie are also highly recommended.
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Which car insurance company is best?
When you're looking for a car insurance policy that fits your budget, it's important to remember that the cheapest option may not be the best. That's why we've created a helpful resource to help you determine which car insurance companies are considered the best by customers and independent reviewers.
Our experts at The Zebra have compiled the top-rated car insurance companies based on a rigorous methodology. We looked at a number of factors, including customer satisfaction, price, and our own survey data to help you find the best car insurance carrier for your needs.
Best company for most drivers
Among carriers that offer nationwide coverage, State Farm scored the highest at 8.3/10, doing particularly well for claims and customer service.
Best regional carrier
While not available nationwide, Erie (8.8/10) is a great option for those who live in states where it's offered.
The most important factors when choosing an auto insurance company are going to be tailored to each person, but price, of course, is going to be on everyone's radar. You definitely want to look at the company as a whole: what is their reputation like? What has word of mouth been like with reviews and customer satisfaction?
Johnny Hawkins — Licensed insurance agent and sales manager at The Zebra
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The Zebra’s Customer Satisfaction Survey
As a part of our dedication to helping you find the best car insurance, The Zebra commissioned a survey of the top car insurance companies in America. We obtained feedback from real customers and ranked each company based on a number of important factors. See the results from 2024 below.
The top 3 car insurance carriers ranked by customers satisfaction
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Excellent customer service and high satisfaction ratings
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Affordable premiums for military members, veterans, and families
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Accident forgiveness and safe driver discounts
Erie Insurance came in second on our list of best car insurance companies with a score of 8.5 out of 10. Erie is a popular regional carrier mostly serving the Northeast and some Midwestern states.
- High customer satisfaction and strong regional reputation
- Affordable rates with competitive pricing
- Rate-lock feature to prevent premium increases
American Family came in third place overall with a score of 8.4 out of 10. Though it does serve more states than Erie, American Family is not available to all U.S. states.
- Solid customer service with personalized agent support
- Unique coverages like accidental death and travel protection
- Optional KnowYourDrive program for usage-based discounts on safe driving
Car insurance companies with the highest customer satisfaction
In our survey, USAA took first place in nearly every category, followed by Erie and American Family Insurance. Below you'll find the full top 10 auto insurance carriers by customer satisfaction rating.Â
| Rank | Company | Customer Satisfaction Rating (out of 10) |
|---|---|---|
| 1st | USAA | 8.9 |
| 2nd | Erie | 8.8 |
| 3rd | American Family | 8.4 |
| 4th | AAA | 8.4 |
| 5th | State Farm | 8.3 |
| 6th | GEICO | 8.2 |
| 7th | Farmers | 8.2 |
| 8th | Liberty Mutual | 8.1 |
| 9th | Allstate | 8.1 |
| 10th | Travelers | 8.1 |
The Zebra Customer Satisfaction Survey methodology
Methodology:
These results are based on a survey of 2,722 U.S. insurance policyholders assessing satisfaction with their car and homeowners insurance providers. The survey was conducted using Survey Monkey and designed by our in-house team. It aimed to collect detailed insights from a census-balanced sample reflecting age, gender, and region.
Questionnaire
The questionnaire included demographic questions about age and gender identification and detailed inquiries into insurance experiences. Key topics:
- Duration with insurance provider and coverage specifics, including teen drivers.
- Claim filing experiences and satisfaction with claims handling.
- Customer service interactions, trust in providers, and likelihood of recommending their insurance.
- Use and satisfaction with digital tools and usage-based insurance programs.
Respondents rated their satisfaction on a Likert scale from 1 to 10 and provided qualitative feedback.
Data Analysis
Data were analyzed focusing on descriptive and inferential statistics to identify satisfaction trends and demographic impacts. Data cleaning and weighting were applied to ensure accuracy, alongside strict confidentiality protocols to protect data security.
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The Zebra Customer Satisfaction Survey: Categories
Our survey looked at six customer experience categories:
Best for claims satisfaction: Erie (8.6)
No one wants to have to use their insurance. Still, you want the process to be as seamless as possible when you must. For this section, we asked respondents about their overall satisfaction with how their car insurance claims were handled by their company. Respondents who had not filed a claim with their current insurer did not answer this question.Â
The company that came out on top was Erie. USAA came in a close second, while Auto Club (AAA) rounded out the top three. Below is a list of the top five best insurance companies with the highest claims satisfaction scores:
| Rank | Company | Customer Satisfaction Rating (out of 10) |
|---|---|---|
| 1st | Erie | 8.6 |
| 2nd | USAA | 8.5 |
| 3rd | AAA | 8.3 |
| 4th | American Family | 8.3 |
| 5th | Allstate | 8.1 |
One of the biggest differentiators for some of the top-rated companies compared to the smaller ones will be their claims process, which really affects a customer’s overall experience with a company.
Johnny Hawkins — Licensed insurance agent and sales manager at The Zebra
Best customer service: USAA (8.7)
The way you are treated by customer service can leave a lasting impression. This section focused on how satisfied customers were with the customer service received from their insurance company. This involved interactions including renewing a policy, paying a bill, or simply asking a question. USAA came out on top with the best customer service score overall. See who rounded out the top five below.
| Rank | Company | Customer Satisfaction Rating (out of 10) |
|---|---|---|
| 1st | USAA | 8.7 |
| 2nd | Erie | 8.6 |
| 3rd | Farmers | 8.2 |
| 4th | American Family | 8.2 |
| 5th | State Farm | 8.2 |
| Rank | Company | Customer Satisfaction Rating (out of 10) |
|---|---|---|
| 1st | Erie | 9.5 |
| 2nd | USAA | 9.3 |
| 3rd (tie) | GEICO | 9.1 |
| 3rd (tie) | Liberty Mutual | 9.1 |
| 3rd (tie) | AAA | 9.1 |
| Rank | Company | Customer Satisfaction Rating (out of 10) |
|---|---|---|
| 1st | USAA | 8.8 |
| 2nd | Erie | 8.5 |
| 3rd | American Family | 8.2 |
| 4th | AAA | 8.2 |
| 5th | Farmers | 8.0 |
Best for online satisfaction: USAA (8.0)
Moreso than ever, a company's online presence is a major part of the customer experience. The insurance sector has, on the whole, been slower to embrace technological shifts. However, the following companies have made an impression on customers by providing good online experiences, whether through apps or company websites.
| Rank | Company | Customer Satisfaction Rating (out of 10) |
|---|---|---|
| 1st | USAA | 8.0 |
| 2nd | American Family | 7.9 |
| 3rd | Liberty Mutual | 7.6 |
| 4th | AAA | 7.5 |
| 5th | Erie | 7.4 |
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Best companies by region
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 created using the same methodology as The Zebra's carrier reviews, incorporating ratings from J.D. Power and the NAIC with coverage options offered. Reference the list below to find the best regional carriers in your part of the country.[2]
NortheastÂ
Including the following states:Â CT, MA, ME, NH, NJ, NY, PA, RI, VT
Southeast
Including the following states:Â AL, AR, DE, FL, GA, KY, LA, MD, MS, NC, SC, TN, VA, WV
- Farm Bureau Insurance - Tennessee
- Erie Insurance
- Alfa
- Auto-Owners Insurance
- North Carolina Farm Bureau
Midwest
Including the following states:Â IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, SD, WI
- Auto-Owners Insurance
- Shelter Insurance
- Indiana Farm BureauÂ
- Westfield Insurance
- Erie Insurance
West
Including the following states:Â AL, CA, HI, ID, MT, NV, OR, WA, WY
- Wawanesa
- PEMCO
- Grange Insurance
- CSAA Insurance Group
- Country Financial
Southwest
Including the following states:Â AZ, CO, NM, OK, TX, UT
- Texas Farm Bureau
- Auto Club of Southern California
- CSAA Insurance Group
- Country Financial
- Auto-Owners Insurance
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How to choose the best car insurance company
While our survey can give you a broad idea of what to expect from car insurance companies, your experiences and driver profile may differ from our survey respondents. Because of this, it's hugely important to do your own research on how to find the best car insurance company for your needs.
Get quotes from several companies to see who offers the best price and coverage.
Not all car insurance companies offer the same coverage options. Going for state-minimum, liability-only coverage will certainly be cheaper, but will also leave you less protected.
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Third-party reviews (including those of The Zebra) can give you another lens through which to view a car insurance company. Consult review sites such as the Better Business Bureau, NAIC, and J.D. Power to see how others have rated them.
If you're still unsure about what coverage you need, speak to a licensed professional. The Zebra has an entire agency full of independent insurance agents who can help you find the right balance of affordability and customer service in a policy specially tailored to your needs.
Compare rates from the best car insurance companies!
2024 Customer Satisfaction Survey. The Zebra
J.D. Power. 2024 U.S. Auto Insurance Study
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.