The Best Car Insurance Companies (2024)

Find out which car insurance company is best-reviewed by The Zebra.

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Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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.

Key takeaways

  • USAA tops the list yet again for the best large car insurance company
  • Smaller, regional carriers could be a great option, with Shelter Insurance scoring high marks
  • Getting quotes from multiple companies is always recommended

The Zebra's top rated car insurance carriers

Below you'll find the top three car insurance companies as rated by our experts. We looked at many different facets of each company, including financial stability, customer satisfaction, overall cost and more. 

USAA logo
1st place: USAA

Thanks to its top-notch customer satisfaction scores, USAA received the highest overall rating according to our review methodology. Eligibility is limited to those in the military community.

NJM logo
2nd place: NJM

NJM also scored well in both third-party ratings and The Zebra's customer satisfaction survey to take 2nd place overall.

Erie logo
3rd place: Erie

Available in twelve Eastern and Midwestern states, Erie rounds out the top three with great scores all around.

The top rated car insurance companies
Rank Company Overall score
1 USAA 4.6/5
2 NJM 4.6/5
3 Erie 4.6/5
4 Amica 4.5/5
5 State Farm 4.5/5
6 American Family 4.4/5
7 The Hartford 4.4/5
8 Nationwide 4.3/5
9 Allstate 4.3/5
10 Mercury 4.2/5

Methodology — how The Zebra reviews insurance companies

The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.

For The Zebra's Customer Satisfaction Survey, 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 2023.

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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 Zebra Customer satisfaction Survey
USAA logo

USAA was first place in the Zebra’s Customer Satisfaction Survey.

Erie insurance logo
Erie Insurance

Erie Insurance came int second on our list of best car insurance companies with an overall score of 8.5.

American Family logo
American Family

American Family came in third place overall with a score of 8.4 out of 10.

Below you'll find the remaining top 10 large auto insurance carriers. To see the full results, which include smaller and lesser-known insurers, click here.

Car insurance companies with the highest customer satisfaction

Among the ten largest insurers by market share in the United States, USAA took first place, topping nearly every category, followed by American Family Insurance and Travelers.

Rank Company Customer Satisfaction Rating (out of 10)
1st USAA 8.78
2nd American Family 8.40
3rd Travelers 8.15
4th State Farm 8.14
5th GEICO 8.07
6th Allstate 8.04
7th Liberty Mutual 8.0
8th Farmers 7.98
9th Progressive 7.96
10th Nationwide 7.53

Below you'll find the top companies for each of these individual factors.

The Zebra Customer Satisfaction Survey 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.


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.

The Zebra Customer Satisfaction Survey: Categories

Our survey looked at six customer experience categories:

Zebra Survey Icon

Best for claims satisfaction: Erie

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. 

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:

Claims satisfaction medal
The top five for claims satisfaction
Rank Company Customer Satisfaction Rating (out of 10)
1st Erie 8.61
2nd USAA 8.5
3rd AAA 8.31
4th American Family 8.3
5th Allstate 8.12

Best for customer service: USAA

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.

customer service medal
Rank Company Customer Satisfaction Rating (out of 10)
1st USAA 8.74
2nd Erie 8.57
3rd Farmers 8.22
4th American Family 8.16
5th Travelers 8.08

Most likely to recommend: Erie

One of the best indicators of satisfaction with your coverage is whether you would recommend it to friends or family. The following companies were considered the most likely to be recommended to others by current customers.

thumbs up medal
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

Most trustworthy: USAA

This part of the survey asked if customers perceive their insurance company as trustworthy. The following companies were deemed the most trustworthy among our survey respondents.

Trust medal
Rank Company Customer Satisfaction Rating (out of 10)
1st USAA 8.83
2nd Erie 8.51
3rd American Family 8.21
4th AAA 8.19
5th Farmers 8.03

Best for online satisfaction: USAA

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.

Trophy online
Rank Company Customer Satisfaction Rating (out of 10)
1st USAA 8.52
2nd American Family 8.35
3rd Travelers 8.3
4th AAA 8.2
5th Progressive 7.75

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Best companies: Mid-sized and smaller

Outside of the top ten largest car insurers by market share, there are a number of other great companies that our respondents ranked. We found these carriers to be ranked the best. 

Note: Due to the smaller size of these companies and limited responses, some of the rankings are determined from scores gathered from last year's survey.

Rank Company
1st Shelter
2nd Auto-Owners
3rd NJM
4th Erie
5th Amica
6th AAA
7th AIG
8th Alfa Mutual
9th Metromile
10th Root
11th Safeco
12th The Hartford
13th Mapfre
14th Mercury
15th Plymouth Rock
16th Elephant
17th Allied
18th National General
19th Kemper
20th California Casualty

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. 



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



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



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



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



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

Other rankings

The Zebra has reviewed both national and regional auto insurance carriers in an effort to aid in your car insurance shopping. We evaluate insurance companies based on a number of factors, including customer complaints, fiscal strength, and reputable third-party reviews. Take a look at the overall scores of the most popular car insurance companies in the country below, and check out a similar ranking for the best home insurance companies.

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

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.


Shop around and compare quotes

Get quotes from several companies to see who offers the best price and coverage.


Explore coverage options

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.


Read reviews

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.


Talk to a professional

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.

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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.