Which car insurance company is best?
When you’re looking for a car insurance policy that fits your budget, it’s important to remember that the cheapest option may not be the best. That’s why we’ve created a helpful resource to help you determine which car insurance companies are considered the best by customers and independent reviewers.
Our experts at The Zebra have compiled the top-rated car insurance companies based on a rigorous methodology. We looked at a number of factors, including customer satisfaction, price, and our own survey data to help you find the best car insurance carrier for your needs.
The most important factors when choosing an auto insurance company are going to be tailored to each person, but price, of course, is going to be on everyone’s radar. You definitely want to look at the company as a whole: what is their reputation like? What has word of mouth been like with reviews and customer satisfaction?
No one wants to have to use their insurance. Still, you want the process to be as seamless as possible when you must. For this section, we assessed how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
Several companies scored a 4/5 for claims experience— see our list below for the top performers.
The way you are treated by customer service can leave a lasting impression. This section focused on how satisfied customers were with the customer service received from their insurance company. This involved interactions including renewing a policy, paying a bill, or simply asking a question. Amica came out on top with the best customer service score overall. See who rounded out the top five below.
This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.The following companies were deemed the most trustworthy based on this criteria.
Moreso than ever, a company’s online presence is a major part of the customer experience. The following companies have made an impression by providing good online experiences, whether through apps or company websites.
Best companies by region
Some car insurance companies only serve a small portion of the country. However, this does not mean that they are inferior. In fact, there are a number of smaller carriers that offer top-of-the-line coverage options and exceptional customer service. We’ve put together a list of some of the best car insurance companies by region, highlighting regional and mid-sized carriers that offer great coverage options.
This list was created using the same methodology as The Zebra’s carrier reviews, incorporating ratings from J.D. Power and the NAIC with coverage options offered. Reference the list below to find the best regional carriers in your part of the country.
How to choose the best car insurance company
While our survey can give you a broad idea of what to expect from car insurance companies, your experiences and driver profile may differ from our survey respondents. Because of this, it’s hugely important to do your own research on how to find the best car insurance company for your needs.
Get quotes from several companies to see who offers the best price and coverage.
Not all car insurance companies offer the same coverage options. Going for state-minimum, liability-only coverage will certainly be cheaper, but will also leave you less protected.
Third-party reviews (including those of The Zebra) can give you another lens through which to view a car insurance company. Consult review sites such as the Better Business Bureau, NAIC, and J.D. Power to see how others have rated them.
If you’re still unsure about what coverage you need, speak to a licensed professional. The Zebra has an entire agency full of independent insurance agents who can help you find the right balance of affordability and customer service in a policy specially tailored to your needs.
