When shopping for auto insurance, you want the best company for you — not to be swayed by funny commercials and catchy jingles, all promoting a positive experience.
A clearer picture emerges of the best car insurance companies when you look at customer satisfaction and complaints. For NerdWallet’s 2018 rankings, we analyzed customer service and claims satisfaction scores from both J.D. Power and Consumer Reports, along with complaint data from the National Association of Insurance Commissioners.
» COMPARE: NerdWallet’s car insurance comparison tool
Only insurers rated by both J.D. Power and Consumer Reports are included. That means many smaller insurers aren’t represented here — but that doesn’t mean they aren’t worth considering, too.
|Company||NerdWallet Rating||Shop around|
|Note: Not all insurers available in all states.|
|1. Amica Mutual|
|2. Auto-Owners Insurance|
|3. Automobile Club Group|
|4. Erie Insurance|
|5. Auto Club of SoCal|
|6. Travelers Insurance|
|8. State Farm|
|9. The Hartford|
|10. American Family Insurance|
|11. The Hanover|
|14. Farmers Insurance|
|15. 21st Century|
|20. Liberty Mutual|
|22. Mercury Insurance|
|*The following companies were scored, but were ineligible for ranking because they are only available to certain customers.|
|NJM [*At the time of ranking, NJM was restricted to members of certain professions. It will be ranked next year.]|
|USAA [Only available to military members, veterans and their family members.]|
NerdWallet’s star ratings are based on the following three factors, each weighted equally to produce a 300-point maximum total score:
- 2017 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.
- 2017 company satisfaction data from the Consumer Reports Winter Survey. Higher satisfactions ratings from Consumer Reports were given higher scores in our calculation.
- 2017 J.D. Power ratings from three studies encompassing regional customer service satisfaction, auto claims satisfaction and shopping satisfaction. Ratings from each of the separate 2017 studies were averaged to form one overall score from J.D. Power. The higher the average, the more points the insurer scored in our calculation.
Only larger insurers with data available in all three of these categories were included. Smaller insurers not listed here may also be good choices and are worth consideration.