Best Car Insurance Companies for Customer Service (2026)

The best car insurance companies for customer service

The best car insurance company for customer service is American Family, with a rating of 4.9 out of 5 based on 631 reviews.

Below, you can compare ratings from a few of the best car insurance companies for customer service, according to Insurify customers.

Insurance Company	Customer Service Rating	Number of Reviews	Best for
American Family	4.9	631	Overall customer service
USAA	4.9	4,364	Reliable service
Travelers	4.7	1,839	Everyday support
AAA	4.5	2,995	Friendly service
Safeco	4.2	1,020	Claims handling

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Excellent

4.7 out of 5 based on 18,110 reviews

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American Family: Top-rated overall for customer service

Top-rated overall for customer service

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User Reviews	4.6 631 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$83/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$160/mo

Details

4.6

Best choiceBased on 631 verified driver reviews and ratings

	American Family's score	Industry average
Coverage options	4.7	3.2
Customer service	4.9	3.6
Discounts	4.7	2.9
Policy transparency	4.6	3.1
Value	4.5	2.9

How drivers feel about American Family

Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.

Based on analysis of verified reviews collected by Insurify

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Best For

Outstanding customer service

Flexible coverage options

Families with young drivers

Showing recent national reviewsSee all 286 American Family reviews

Gerald

Verified Review

Best in Class

Reviewed in Nevada on October 29, 2026

Check American Family first—excellent service and affordability.

David

Verified Review

I’d recommend this insurance to anyone

Reviewed in Missouri on October 13, 2026

No problems with any of the three policies.

Mary

Verified Review

Great Value and Service

Reviewed in Nevada on September 26, 2026

Great service so far. No issues. Fair pricing.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.47

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

Customers give American Family a score of 4.9 out of 5, earning the insurer the top spot in our customer service rankings. The company also consistently ranks among the top three insurance companies for experience, insurance claims handling, coverage options, discount availability, policy flexibility, and policy transparency.

Customers find American Family’s local agents to be helpful and easy to work with. But rising rates leave some customers feeling that the costs outweigh the benefits.

Pros

• Friendly, local agents

• Smooth communication

• Strong coverage options

Cons

• Limited discounts

• High premiums

• Hit-or-miss claims handling

American Family customer service reviews: Rated 4.9 out of 5

Check out reviews from customers who had positive, negative, or mediocre experiences with American Family’s customer service. Below, you can read honest feedback from real American Family customers about price, customer service, and other factors.

USAA: Best for reliable service

reliable service

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User Reviews	4.9 4,364 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$53/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$102/mo

Details

4.9

Best choiceBased on 4,364 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

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Best For

Members of the military community

Outstanding customer service

Competitive rates

Showing recent national reviewsSee all 1,733 USAA reviews

Scott

Verified Review

Amazing in Today’s World

Reviewed in Idaho on October 29, 2026

Combine policies and agree to the free insurance review.

Lonnie

Verified Review

Excellent

Reviewed in Georgia on October 27, 2026

I wish it could be a little cheaper.

Bill

Verified Review

USAA car premiums are competitive, home premiums are expensive, and service is excellent

Reviewed in Tennessee on October 26, 2026

USAA is my current auto policy holder (for about the next two days). They’ve been excellent and competitive for auto insurance, but they’re very expensive for home insurance. Since you can get a discount for having multiple policies, we went with Progressive.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA earns a customer service rating of 4.9 out of 5, earning the second-highest rating. Many shoppers find the USAA’s customer service experience easy, with straightforward communication and reliable agents. USAA also holds the top spot for coverage options.

But some longtime customers feel USAA’s service quality has slipped over the years and that they’re less supported than in the past. Issues with the claims process, limited discounts, and rate increases have some customers questioning if USAA is still worth the price.

Pros

• Dependable service

• Strong coverage options

• Price transparency

Cons

• Limited discounts

• Frequent rate increases

• Hit-or-miss claims handling

Travelers: Best for everyday support

everyday support

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User Reviews	4.6 1,839 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.5 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$99/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$191/mo

Details

4.6

Best choiceBased on 1,839 verified driver reviews and ratings

	Travelers's score	Industry average
Coverage options	4.6	3.2
Customer service	4.7	3.6
Discounts	4.3	2.9
Policy transparency	4.6	3.1
Value	4.4	2.9

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

Based on analysis of verified reviews collected by Insurify

---

Best For

Numerous discounts

Gap insurance

Rideshare coverage

Showing recent national reviewsSee all 688 Travelers reviews

Evelyn

Verified Review

Excessive Rate Increase

Reviewed in Georgia on October 17, 2026

The rate increase will blindside you.

Amber

Verified Review

Don’t Plan on a Speedy Recovery

Reviewed in Utah on October 14, 2026

They take their time with a claim and try everything to take advantage of the insured. Customer service is awful—they don’t answer your calls and leave you hanging until you get fed up and have to get tough with them.

Fred

Verified Review

It Was an Easy Process

Reviewed in Kansas on October 13, 2026

Very professional.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

616

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Travelers ranks 4.7 out of 5, rounding out Insurify customers’ top three picks for customer service. Shoppers find the insurer’s service agents generally helpful and responsive, especially for routine support.

But when issues occur, some reviewers say it can be difficult to get the support they need, and follow-through isn’t always consistent. Even when Travelers customers feel well-treated, some still express frustration with pricing, lack of discounts, renewals, and billing changes.

Pros

• Responsive insurance agents

• Strong everyday support

• Straightforward communication

Cons

• Service follow-through can be inconsistent

• Discounts don’t always translate into real-world savings

• High rates don’t justify the cost

AAA: Best for friendly service

friendly service

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User Reviews	4.6 2,995 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.5 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$156/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$242/mo

Details

4.6

Best choiceBased on 2,995 verified driver reviews and ratings

	CSAA's score	Industry average
Coverage options	4.4	3.2
Customer service	4.5	3.6
Discounts	4.5	2.9
Policy transparency	4.4	3.1
Value	4.5	2.9

How drivers feel about CSAA

Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.

Based on analysis of verified reviews collected by Insurify

---

Best For

AAA members

Customer service

Membership perks

Showing recent national reviews

Leland

Verified Review

Insurified Disappointed Me

Reviewed in California on October 17, 2026

It’s a lot better than anything Insurified offered me.

James

Verified Review

AAA/The Hartford

Reviewed in New York on September 24, 2026

Great claims department.

Irma

Verified Review

See last answer

Reviewed in Utah on September 17, 2026

I think I pay too much, but if I were to change brokers, I’d want the same coverage.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

664

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.28

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

AAA has a score of 4.5 out of 5 for customer service. Many customers report a positive overall service experience and find AAA agents to be friendly and easy to work with. Insurify customers say agents clearly explain car insurance coverage and facilitate a smooth claims-handling experience.

But some loyal AAA shoppers find the service doesn’t always live up to their expectations and feel its savings opportunities are lacking, especially as rates continue to rise.

Pros

• Support feels personal

• Clear policy language

• Smooth claims handling

Cons

• Inconsistent service follow-through

• Not enough discounts

• Rate increases

Safeco: Best for claims handling

claims handling

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User Reviews	4.4 1,020 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$85/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$140/mo

Details

4.4

Best choiceBased on 1,020 verified driver reviews and ratings

	Safeco's score	Industry average
Coverage options	4.2	3.2
Customer service	4.2	3.6
Discounts	4.2	2.9
Policy transparency	4.2	3.1
Value	4.0	2.9

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

Based on analysis of verified reviews collected by Insurify

---

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

Showing recent national reviewsSee all 539 Safeco reviews

Danny

Verified Review

Excellent

Reviewed in Massachusetts on October 17, 2026

Expensive.

Anne

Verified Review

Car insurance is terrible.

Reviewed in California on September 19, 2026

Shop around with different companies.

James

Verified Review

Safeco (Liberty Mutual) Not Worth the Money

Reviewed in Washington on August 18, 2026

I would never use Safeco (now Liberty Mutual) again. My rate increased to 4x my previous rate with no explanation. I have a clean driving record and no claims, so there was no reason for my rate to skyrocket.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

613

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.72

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

Safeco scores 4.2 out of 5 for customer service. Insurify customers describe Safeco’s service as smooth and helpful. Other shoppers note frustrations with communication, especially around getting callbacks and clear answers from agents.

Safeco’s property damage claims service also stands out, with satisfied reviewers noting the process was easy. Still, many shoppers have concerns about Safeco’s high auto insurance rates and limited discounts, and question the insurer’s overall value for the cost.

Pros

• Smooth and helpful support

• Claims handling is generally smooth

• Policy transparency

Cons

• Communication can be frustrating

• Some policy confusion

• Limited value for cost

How top insurance companies stack up on customer service

Check out the bar chart below to see how some of the top car insurance companies stack up for customer service, according to thousands of real Insurify reviews.

Insurance Company	Customer Service Score
American Family	4.9
USAA	4.9
Travelers	4.7
AAA	4.5
Safeco	4.2

How we ranked the best car insurance companies for customer service

Insurify ranks the best car insurance companies for customer service using real customer feedback collected through its platform. Users who compare quotes or purchase a policy through Insurify can complete an optional survey rating their insurer across several categories, including customer service, claims handling, coverage options, discounts, policy transparency, and overall experience.

For this ranking, we prioritized each company’s customer service rating, based on thousands of verified user reviews, as the primary ranking factor. We also considered supporting metrics like claims handling and policy transparency, since these directly affect how customers experience service after buying a policy.

Our data team aggregates, curates, and analyzes these ratings and reviews to bring you company-level insights from more than 85,000 Insurify users.

What makes a car insurance company good at customer service? 

What makes an insurance company good at customer service can differ from insurer to insurer. It also depends on your personal preferences and needs as a driver.

Here are a few common features that may indicate an insurance company excels at service:

• Helpful agents: An agent can make or break your experience with an insurance company. Generally, insurers that excel at customer service have agents who are responsive, friendly, and easy to work with.

• User-friendly mobile app: From filing claims to making policy changes, if you prefer to manage your policy on your own time, an easy-to-use mobile app can deliver a smooth customer service experience.

• Clear communication: Whether you’re just shopping around or considering switching coverage on an existing policy with the insurer, transparency and follow-through usually demonstrate that the insurer takes service seriously.

• Fast claims responsiveness: Filing a claim can be complicated and stressful. But it usually makes for a better overall service experience when the process is easy and the insurance company is responsive.

How top car insurance companies for customer service compare across categories

The table below shows how the top-ranked insurance companies for customer service compare across other categories, like coverage options, value for money, and policy transparency.

Company	Overall Rating	Customer service	Value for Money	Discounts	Coverage Options	Policy Flexibility	Policy Transparency
American Family	4.6	4.9	4.5	4.7	4.7	4.5	4.6
USAA	4.9	4.9	4.9	4.9	4.9	4.9	4.9
Travelers	4.6	4.7	4.4	4.3	4.6	4.6	4.6
AAA	4.6	4.5	4.5	4.5	4.4	4.4	4.4
Safeco	4.4	4.2	4.0	4.2	4.2	4.1	4.2

How to choose the best car insurance company for customer service

When shopping for car insurance, the following steps can help you find the best car insurance company for customer service:

1. Consider the type of customer service options you need. Decide what’s important to you when it comes to customer service. Consider factors such as whether you want an insurer with local agents and access to a mobile app.

2. Research car insurance companies. Check out real customer reviews and third-party ratings to see how different insurers stack up for customer satisfaction and consumer complaints.

3. Decide what type of coverage you need. Carefully consider the type of coverage needed. Ask yourself whether you just need a minimum coverage liability insurance policy or a more robust full-coverage policy with collision coverage and comprehensive coverage. You may also want to consider add-on coverages, such as gap insurance, roadside assistance, and car accident forgiveness coverage.

4. Compare car insurance quotes. To find the best rate and coverage options, compare at least three insurance companies, using the same coverage details, deductible, and policy limits. Using an insurance comparison website can help you get quotes quickly.

5. Ask about discounts. Car insurance discounts for safe drivers, military members, good students, and safety features are just some of the ways you may be able to save on auto insurance rates. You can also often earn a bundling discount by buying your home insurance or life insurance with your auto policy.

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Excellent

4.7 out of 5 based on 18,110 reviews

Secure. Free. Easy-to-use.

Best car insurance for customer service FAQs