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When looking for affordable car insurance, remember that the best auto insurance policy isn’t always the cheapest. This is why we've compiled a resource to help you determine which car insurance companies are considered the best by both customers and third-party reviewers.

In this guide, you'll find the results of The Zebra Customers Satisfaction Survey, ranking the top fifteen insurers based on feedback from actual customers. You'll also find information about both major and regional car insurance carriers alike. 

Key takeaways
  • USAA tops the list of best car insurance companies
  • Smaller, regional carriers could be a great option
  • Getting quotes from multiple companies is recommended

The Zebra’s Customer Satisfaction Survey

The Zebra commissioned a survey of the top car insurance companies in America to see who came out on top for customer satisfaction. The companies chosen were based on market share and overall availability to a wide selection of customers. While customers were also asked about homeowners coverage, this section will focus purely on each company's car insurance offerings.

Zebra customer satisfaction survey icon

The highest rated car insurance companies

USAA took first place, winning in nearly every category. Rounding out the top three were State Farm and GEICO. Both companies received great marks overall, coming in only slightly behind USAA. 

First place ribbon
USAA

USAA came out on top of the Zebra’s Customer Satisfaction Survey, topping five of the six categories.

2nd place ribbon
State Farm

State Farm Insurance came in second place overall with a score of 4.4.

3rd place ribbon
GEICO

GEICO rounded out the top three insurance companies with an overall score of 4.4. 


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 Customer Satisfaction Rating (out of 5)
1st USAA 4.6
2nd State Farm 4.4
3rd GEICO 4.4
4th Allstate 4.4
5th Kemper 4.4
6th Progressive 4.3
7th Erie 4.3
8th American Family 4.3
9th Auto Club (AAA) 4.3
10th Nationwide 4.3
11th Auto-Owners 4.2
12th Farmers 4.2
13th Travelers 4.2
14th Liberty Mutual 4.2
15th National General 4.1

Survey topics

The survey looked at six customer experience categories:

  • Claims satisfaction
  • Ease of interaction
  • Customer service
  • Willingness to recommend
  • Trust
  • Online satisfaction

The Zebra Customer Satisfaction 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.


Claims satisfaction

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 USAA. State Farm came in a close second, while Erie rounded out the top three. Here is a list of the top five best insurance companies with the highest claims satisfaction scores:

claims satisfaction
Rank Company Customer Satisfaction Rating (out of 5)
1st State Farm 4.6
2nd USAA 4.6
3rd GEICO 4.5
4th Allstate 4.5
5th Kemper 4.4

Ease of interaction

Communication is a hugely important part of the overall customer experience. This section of the survey asked respondents to rate how easy it was to communicate with their auto insurer. This involved many different types of interactions, including renewing a policy, paying a bill, or simply asking a question. 

Here are the five best car insurance companies for ease of interaction:

ease of use medal
Rank Company Customer Satisfaction Rating (out of 5)
1st USAA 4.7
2nd State Farm 4.5
3rd GEICO 4.5
4th Allstate 4.5
5th Progressive 4.4

Customer service satisfaction

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. USAA again 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 5)
1st USAA 4.6
2nd State Farm 4.5
3rd Allstate 4.4
4th GEICO 4.4
5th Progressive 4.4

Most likely to recommend 

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 5)
1st USAA 4.6
2nd GEICO 4.4
3rd Kemper 4.4
4th Auto-Club (AAA) 4.4
5th Erie 4.4

Most trustworthy

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 5)
1st USAA 4.6
2nd Kemper 4.4
3rd State Farm 4.4
4th Auto Club (AAA) 4.4
5th Erie 4.3

Online satisfaction

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 5)
1st USAA 4.6
2nd GEICO 4.5
3rd State Farm 4.5
4th Allstate 4.5
5th Progressive 4.4

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Best car insurance bundles

Our customer satisfaction survey included questions regarding home insurance. For the respondents who carried multiple policy types, these are the top carriers for bundling home and auto insurance.

car in front of a house
Rank Company Customer Satisfaction Rating (out of 5)
1st USAA 4.6
2nd State Farm 4.4
3rd GEICO 4.3
4th Kemper 4.3
5th Allstate  4.3
6th American Family 4.3
7th Erie 4.3
8th Progressive 4.3
9th Auto Club (AAA) 4.3
10th Nationwide 4.3
11th Farmers 4.2
12th Auto-Owners 4.2
13th Travelers 4.2
14th Liberty Mutual 4.2
15th National General 4.1

Other ratings

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.

CAR INSURANCE COMPANY REVIEWS
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
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

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 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

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 policy for your needs at a fair price.


Getting the best car insurance: considerations

It's important to remember that the best car insurance company for some may not be the best for all. Similarly, going for the absolute cheapest option can also mean giving up a good amount of customers satisfaction in exchange. Your own experiences with a company are likely to be vastly different than they are for other customers. For this reason, it's hugely important to do your research and compare rates.

The Zebra can help you find the right balance of affordability and customer service in a policy specially tailored to your needs. Enter your ZIP below to get started.

Compare quotes from the best car insurance companies.

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RECENT QUESTIONS

What should I do if I cancelled my insurance policy but the company drafted money out of my account afterward?

While I can&#x27;t say with a certainty, it sounds like you were set up for EFT (auto-draft) payments with Allstate so you didn&#x27;t have to worry about calling in or mailing a payment. Unfortunately with EFT options, it may not be possible to stop a scheduled payment draft depending on when the payment is set to be withdrawn.
Mar 14, 2017 Detroit, MI

Why can I not remove my son from my auto insurance policy with GEICO?

Generally you can&#x27;t remove a household member from your policy unless they have their own separate insurance coverage. You should have the option to exclude your son from the policy if you don&#x27;t want him to impact your rate, but that means he will not be covered to drive any of the vehicles you currently insure.
Sep 5, 2017 Delray Beach, FL

Can my brother use his insurance for damage he caused to my vehicle?

Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.
Jan 6, 2019 Willingboro, NJ

Will a hit and run impact my car insurance premium in CA?

Yes, when your company has to pay out on a claim, it will impact your rates. If you filed a police report and have uninsured motorist property damage coverage, this coverage will pay for the damages and will be considered a not-at-fault accident.
Sep 29, 2018 Perris, CA

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 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.