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The car insurance industry doesn’t always put customer needs first. You pay for coverage and expect to get claims paid, yet every customer claim paid out means less profit for the insurer.
Our editors objectively analyze the top car insurance providers in the US, from big brands to local insurers and online apps. We create an overall rank for each insurer to give you an idea of which insurer could be right for you.
We rate these providers using a system of one to five stars.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our finder rating for each insurer is based on comparing regional scores that include the most important factors when shopping for car insurance.
We started with the most recent JD Power ratings across 11 states and regions. These scores rank companies based on customer satisfaction, policy options, price, billing, claims and support.
These regions include:
For national insurers, we averaged ratings across states and regions to get a national score. Local insurers only available in one region used only their relevant local scores.
We compared the most common coverage types that you should be able to get from a car insurance policy, plus a few extra benefits many customers look for.
We ranked companies higher the more coverage they offer:
We compared average rates for each provider, and we also looked at which common discounts each company offers. Companies ranked higher for having each of these discounts:
We pulled AM Best financial strength ratings to decide how strong a company is and how likely it will be to be around to pay out claims in the future. We weighted companies with scores lower than an A- more negatively compared to scores with A- or above.
Finally, we averaged all the factors together, and then rounded the numbers to the nearest 0.5 for even comparison.
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