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The Zebra's Car Insurance Reviews for 2020

The Zebra's team of licensed insurance experts provide insight on the best insurance companies.

Wondering which car insurance company to pick? 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.


Popular insurance company reviews for 2020

Car insurance companyThe Zebra ratingJ.D. Power ratingAM Best ratingNAIC rating
USAA5 out of 5Above averageSuperiorExcellent
GEICO5/5Above averageSuperiorAverage
Erie5/5Above averageSuperiorVery good
Auto-Owners5/5About averageSuperiorExcellent
The Hartford4.5/5Below averageExcellentExcellent
Cincinnati4.5/5Above averageSuperiorAbove average
Allstate4/5Below averageExcellentExcellent
AIG4/5Below averageExcellentAbove average
Amica4/5Above averageSuperiorBelow average
Metromile4/5Not ratedNot ratedBelow average
Progressive4/5Below averageSuperiorExcellent
Plymouth Rock4/5Below averageExcellentAbove average
Travelers4/5Below averageSuperiorAbove average
Bunker Hill4/5Not ratedExcellentAbove average
Chubb4/5About averageSuperiorExcellent
Noblr4/5Not ratedNot ratedAbove average
PURE 4/5Not ratedExcellentAbove average
State Farm4/5Above averageSuperiorExcellent
American Family3.5/5Below averageExcellentAverage
Farmers3.5/5Below averageExcellentBelow average
Nationwide3.5/5Below averageSuperiorAverage
Allied3.5/5Not ratedSuperiorAbove average
MAPFRE3.5/5Below averageSuperiorAverage
21st Century3.5/5Not ratedExcellentBelow average
Elephant3.5/5Not ratedExcellentBelow average
MetLife3.5/5Below averageSuperiorBelow average
Mercury3.5/5Below averageSuperiorAbove average
Liberty Mutual3.5/5Below averageSuperiorAverage
Safeco3.5/5Below averageExcellentBelow average
Kemper3.5/5Not ratedExcellentBelow average
Esurance3/5Below averageSuperiorBelow average
AAA3/5Below averageSuperiorAverage
Foremost3/5Not ratedExcellentBelow average
Infinity3/5Not ratedExcellentBelow average
Safe Auto3/5Not ratedGoodBelow average
Commonwealth Casualty3/5Not ratedNot ratedAbove average
The General3/5Not ratedExcellentBelow average
California Casualty3/5Not ratedGoodBelow average
Hallmark3/5Not ratedExcellentAverage
Root3/5Not ratedNot ratedBelow average
Direct General3/5Not ratedExcellentBelow average
Stonegate3/5Not ratedNot ratedAbove average
Aspire General2.5/5Not ratedGoodBelow average
Founders2.5/5Not ratedExcellentPoor
Good2Go2.5/5Not ratedNot ratedPoor
Falcon2.5/5Not ratedNot ratedPoor
AssuranceAmerica2/5Not ratedNot ratedAverage


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. 


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About The Zebra

The Zebra is not an insurance company. We’re an independent, unbiased partner for consumers, on a mission to help you compare insurance options apples-to-apples, so you can make a truly informed decision. We’re proud because: