If you’ve ever shopped for auto insurance, chances are you’ve been inundated by cute animal mascots, charismatic actors or catchy jingles, all promoting a positive experience.
But when you cut away the noise and look inside the numbers, a clearer picture of which insurance companies are the cream of the crop emerges. NerdWallet rated insurers using customer and claims satisfaction scores from J.D. Power and consumer complaint data from the National Association of Insurance Commissioners. (Read our full methodology here.)
Our complete list:
The best car insurance companies
|Note: Not all insurers are available in all states.|
|3. Auto-Owners Insurance|
|4. Country Financial|
|7. American Family|
|9. The Hartford|
|10. Liberty Mutual|
|17. 21st Century|
|18. Automobile Club Group |
|19. State Farm|
|21. The Hanover|
Best for those with military ties: USAA
USAA is open only to active military members, veterans and their families. If you’re eligible, it’s hard to go wrong with USAA. In addition to serving up consistently cheap car insurance quotes, the insurer earned the third-highest overall score in J.D. Power’s most recent nationwide auto claims satisfaction survey, and the highest for overall customer satisfaction in every region of the country.
» COMPARE: Car insurance quotes
How we calculated our ratings
Our final rankings include insurers available in at least five states and available to the general population.
NerdWallet’s star ratings are based on the following three factors, each weighted equally:
- 2015 consumer complaints data from the National Association of Insurance Commissioners. The median complaint ratio for the industry is 1. Lower ratios are better. Insurers whose median complaint ratios were more than 1 received fewer points; those lower than 1 received more points.
- 2015 regional customer service satisfaction data from J.D. Power. The higher the average J.D. Power rating across regions, the more points the insurer scored in our calculation.
- 2015 auto claims satisfaction data from J.D. Power. The higher the J.D. Power rating, the more points the insurer scored in our calculation.
Only larger insurers with data available in all three of these categories were included. In case of ties, NAIC consumer complaints data were used to break the tie. Smaller insurers not listed here may also be good choices and are worth consideration.