The Best Car Insurance Companies (2023)

The Zebra’s Customer Satisfaction Survey

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.

The Zebra commissioned a survey of the top car insurance companies in America and ranked them based on feedback from real customers. The companies chosen were based on market share and overall availability to a wide selection of consumers. Our survey focused purely on each company's car insurance offerings.

The highest rated car insurance companies

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

Below shows the remaining top 10 large auto insurance carriers. All companies received a rating of at least 8 out of 10.

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. Using the same scale as above, we found these carriers to be the best. 

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. 

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

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.

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.