Methodology for rating car insurance providers | finder.com

Methodology for rating car insurance providers

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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.

Some of the top providers we rank

  • Esurance
  • Progressive
  • Allstate
  • Geico
  • Amica
  • The Hartford
  • State Farm
  • Liberty Mutual
  • Farmers
  • Travelers
  • Nationwide
  • USAA
  • Erie
  • American Family
  • Safeco
  • 21st Century
  • Ameriprise
  • Auto Owners
  • Country
  • CSAA
  • Hanover
  • Infinity
  • MAPFRE
  • Mercury
  • MetLife
  • Arbella
  • Kemper
  • NJM
  • Plymouth Rock
  • Grange
  • Pemco
  • Alfa

View all ratings & reviews

Our ratings

We rate these providers using a system of one to five stars.

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

How we rank insurers

Our finder rating for each insurer is based on comparing regional scores that include the most important factors when shopping for car insurance.

Scoring factors

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:

  • California
  • Central
  • Florida
  • Mid-Atlantic
  • New England
  • New York
  • North Central
  • Northwest
  • Southeast
  • Southwest
  • Texas

Then we compared the most recent Consumer Reports ratings. We included data from older years if no recent data was available to give a more comprehensive picture.

Rating weights

We weighted each source depending on its relevancy and freshness. Most recent scores are weighted more heavily. A company can improve over time, but we also consider past years to give a sense of how drastically customer experiences can change over the course of a few years.

Local scores

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.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site