Who is the leading auto insurance company?

The leading auto insurance company may be seen as a three-way tie between Geico, Amica, and USAA, depending on who is doing the rating.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
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UPDATED: Apr 24, 2020

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Things to Remember...

  • The leading auto insurance company may be seen as a three-way tie between Geico, Amica, and USAA, depending on who is doing the rating
  • Of several large auto insurance companies receiving negative to neutral reviews by sites like Epinions.com, only Geico shows improved customer ratings for “overall satisfaction” according to J.D. Power and Associates
  • Amica receives first place for the best auto insurance company in terms of customer approvals. J.D. Power has given Amica top ranks for 11 consecutive years. The Better Business Bureau gives Amica an “A+” rating
  • For many customer service-related reasons, companies like AIG, Allstate, Liberty Mutual, Mercury Insurance, and Progressive receive lower reviews

Since the answer to this question will be a bit different for everyone, we decided to look at a wide array of ratings and studies of car insurance providers.

Auto insurance companies like Progressive, The Hartford, and Geico are household names.

The criteria for rating these companies vary, but there are some that routinely stand out. The rest of this article will look at some of those ratings and discuss which companies come out on top, which is the bottom of the barrel, and why.

Start comparing top auto insurers now. Use our FREE online tool above to get started!

Why don’t some of the largest auto insurance companies get great customer reviews?

According to the Consumer Search site, some of the largest auto insurance companies also spend the most money on auto insurance advertising.

Of several large auto insurance companies receiving negative to neutral reviews by sites like Epinions.com, only Geico shows improved customer ratings for “overall satisfaction” according to J.D. Power and Associates.

Other auto insurance companies with overall positive reviews by Consumer Search include State Farm, Amica Mutual, and USAA. According to J. D. Power and Associates:

Amica receives first place for the best auto insurance company in terms of customer approvals. J.D. Power has given Amica top ranks for 11 consecutive years. The Better Business Bureau gives Amica an “A+” rating.

State Farm remains picky about their auto insurance policyholders and has a high customer complaint overturn rate.

United Services Auto Association (USAA) is a great resource for members of the military. USAA gets top ratings for customer service, claims, and auto insurance rates.

The company receives the highest financial grades by Standard & Poor’s, Moody’s, Weiss, Fitch, and A.M. Best.

J.D. Power and Associates report that Chubb Insurance and American Family Insurance receive high auto insurance ratings from customers. AAA of Southern California also receives customer praise.

New Jersey Manufacturers Insurance, selling only to a small universe of people living in New Jersey and Pennsylvania, also gets great customer service marks.

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Where do I get information about the leading auto insurance companies?

For many customer service-related reasons, companies like AIG, Allstate, Liberty Mutual, Mercury Insurance, and Progressive receive lower reviews.

The American Association for Justice’s “10 Worst List” includes a sampling of auto insurance company names that most people recognize. In addition:

  • J. D. Power and Associates, in a 2009 survey of 21st Century Insurance (formerly owned by AIG and now owned by Zurich Insurance), says the company gets low customer service scores
  • Allstate received about 1,400 customer complaints from 2008 to present, according to the Better Business Bureau. BBB notes Allstate’s responsiveness to complaints and gives the company an “A+” rating
  • AAJ reports that Liberty Mutual also makes the “10 Worst List.” The company scored “average” ratings according to J. D. Power
  • American Family Mutual and Nationwide get “average” ratings for claims service. AAJ reports that customers complain about repairs completed with non-original auto parts
  • Travelers Insurance gets “average” marks in consumer surveys
  • The Hartford receives “above average” marks for claims services, according to J.D. Power. Consumer Reports says the company is considered one to avoid. Policyholders say that auto insurance rates increase after submitting an auto insurance claim
  • Mercury Insurance received low scores for claims, according to J.D. Power and Associates. The company ties tor last place with Commerce Insurance. Mercury paid fines of $500,000+ since 2006, according to the San Francisco Chronicle

How do I get information about auto insurance ratings from reliable, neutral reviewers?

Your state’s insurance department is the best place to start to find information about customer complaints in your state. Large insurance companies, like many businesses operating across state lines, may seem like different companies from state to state.

That’s why your state insurance department watches each insurance company permitted to operate within its borders. Additional resources include:

  • Better Business Bureau reviews
  • Epinions reviews
  • Nationally recognized credit rating agencies
  • Consumer Reports reports
  • J.D. Power and Associates
  • American Association for Justice (AAJ) reports

By using a third-party tool like the one on this page, you can get online rate quotes that are not influenced by loyalty to any single car insurance provider.

Enter your zip code below to search competitive auto insurance quotes today!

References:

  1. http://www.jdpower.com/
  2. https://www.progressive.com/
  3. https://www.geico.com/
  4. http://www.amica.com/en.html
  5. https://www.usaa.com/inet/ent_logon/Logon?ds_s=CPC&ds_e=GOOGLE&ds_c=BrandUSAA_Keyword_EXT&ds_ag=USAA+EXT&ds_k=usaa&gclid=Cj0KEQjw7dfKBRCdkKrvmfKtyeoBEiQAch0egf6dN7DVs9c5jtS68o4N723ks4k37ptm68GoQxXO0i4aApou8P8HAQ&gclsrc=aw.ds&dclid=CMO144mW5tQCFZQMNwodVJ4K2A&akredirect=true
  6. http://www.standardandpoors.com/home/en/us
  7. http://v3.moodys.com/Pages/default.aspx
  8. http://weissratings.com/
  9. http://www.fitchratings.com/index_fitchratings.cfm
  10. http://ambest.com/
  11. http://law.freeadvice.com/insurance_law/insurers_bad_faith/ten-worst-insurance-companies.htm
  12. http://www.21st.com/
  13. https://www.amfam.com/
  14. https://www.travelers.com/
  15. https://www.thehartford.com/
  16. https://www.mercuryinsurance.com/
  17. http://www.dmvnv.com/50_state_dmv_list.html
  18. http://www.bbb.org
  19. http://www.epinions.com/

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