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 623 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	623	Overall customer service
USAA	4.9	3,643	Reliable service
Travelers	4.6	1,497	Everyday support
AAA	4.4	2,350	Friendly service
Safeco	4.1	1,058	Claims handling

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Excellent

4.7 out of 5 based on 14,501 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	4.5 623 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.	$80/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

Driver Reviews

4.5

Best choiceBased on 623 verified driver reviews and ratings

	American Family's score	Industry average
Coverage options	4.6	3.2
Customer service	4.9	3.6
Discounts	4.6	2.9
Policy transparency	4.5	3.1
Value	4.2	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 267 American Family reviews

April

Verified Review

Roadside assistance was removed without my knowledge, so I’m not reimbursed for my jump starts. The agent only communicates via email or text. I would not recommend Allstate in Coshocton.

Reviewed in Ohio on April 4, 2026

Roadside assistance was removed without my knowledge, so I’m not reimbursed for my jump starts. The agent only communicates via email or text. I would not recommend Allstate in Coshocton.

David

Verified Review

Feeling Betrayed

Reviewed in Oklahoma on April 4, 2026

They started out affordable, but the rates jumped up with hardly any warning. After being with them for years, my policy kept increasing. I would advise others to keep looking.

Jeffrey

Verified Review

Good company.

Reviewed in Washington on March 31, 2026

Everything was good, I just found better coverage at a cheaper price.

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Our Advice

JD Power

J.D. 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 3,643 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.	$51/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.	$103/mo

Details

Driver Reviews

4.9

Best choiceBased on 3,643 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 1,577 USAA reviews

Alex

Verified Review

Meh insurance company

Reviewed in Alaska on May 21, 2026

Overpriced, frequently increasing rates with an emphasis on finding exemptions from paying for losses.

Thor

Verified Review

Definitely the best rates if you're eligible.

Reviewed in Washington on May 20, 2026

It was very easy to set up. The very best coverage for the price.

Joseph

Verified Review

Avoid USAA at all costs even if you think you will save, you will not.

Reviewed in Texas on May 19, 2026

USAA is too costly, changes policy without consent, and is a nightmare to deal with on claims. Our last claim, they offered us a final offer of exactly half what our vehicle was worth. We had to hire an independent appraiser, they wouldn’t honor his appraisal, then we had to pay for a mediator to get even near what the vehicle was worth. Our own insurance company fought us at every turn for what our vehicle was obviously worth. The policy has gone up more than 4 times our initial quote. I don’t know why we stuck with them for so long. Quotes from other companies put our 6-month price less than 1 month of USAA’s prices. We are dumping them as soon as possible. It isn’t the same USAA it was 20 years ago. We have good credit and clean driving records. The last thing we want after being in an accident is to have to fight with our own provider that we were paying top dollar for. Our payout finally came after 1 year of dealing with them, hiring our own appraisal, and paying for mediation. My only advice is if you use USAA and get into an accident, immediately hire an attorney to deal with it all for you; otherwise, stay away from this company at all costs. They are not worth the high premiums they charge.

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Our Advice

JD Power

J.D. 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 1,497 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.	$96/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.	$193/mo

Details

Driver Reviews

4.6

Best choiceBased on 1,497 verified driver reviews and ratings

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

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Best For

Numerous discounts

Gap insurance

Rideshare coverage

Showing recent national reviewsSee all 608 Travelers reviews

Bobby

Verified Review

Excellent

Reviewed in Tennessee on May 19, 2026

We bought Allstate policies for better cost value.

Daniel

Verified Review

Excellent Insurance Company

Reviewed in Alabama on May 18, 2026

Travelers has been very good to insure with.

Christopher

Verified Review

Insurance is a ripoff

Reviewed in Oklahoma on May 12, 2026

Too expensive, but good coverage. I have 3 vehicles and drive one at a time. I do not drive to school or work, and I drive only 50 miles per week, one day. The rates are ridiculously high.

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Our Advice

JD Power

J.D. 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 4.6 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	4.5 2,350 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.	$143/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.	$219/mo

Details

Driver Reviews

4.5

Best choiceBased on 2,350 verified driver reviews and ratings

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

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Best For

AAA members

Customer service

Membership perks

Showing recent national reviews

Todd

Verified Review

Good rates at AAA/MEEMIC

Reviewed in Michigan on May 3, 2026

Great rates, friendly customer service.

Charles

Verified Review

Do Your Homework

Reviewed in Missouri on April 5, 2026

Check rates first, then choose.

Shannon

Verified Review

Total Disappointment

Reviewed in Michigan on March 21, 2026

Contact and conversation prior to completing the deal are great. I personally feel insulted by the lack of cooperation after requesting a complete outline and explanation for my completely overcharged policy. I know for a fact that my driving and claims history is exceptional as I am a former state trooper and US Air Marshal. I am currently paying more with one vehicle insured than I previously paid for two. I have yet to receive the phone call as requested to explain the high rates given my professional background and history. To say I am frustrated with MEEMIC (AAA) is grossly understated.

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Our Advice

JD Power

J.D. 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 4.4 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	4.3 1,058 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.	$84/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.	$136/mo

Details

Driver Reviews

4.3

Best choiceBased on 1,058 verified driver reviews and ratings

	Safeco's score	Industry average
Coverage options	4.1	3.2
Customer service	4.1	3.6
Discounts	4.0	2.9
Policy transparency	4.1	3.1
Value	3.8	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

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Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

Showing recent national reviewsSee all 539 Safeco reviews

Donald

Verified Review

Bring your prices down

Reviewed in Oklahoma on April 24, 2026

They charge too much money for the old stuff that I have, nothing higher than a 2006 or 2013 for my Jeep. They told me what a good customer I was. I made a mistake on the dates and paid it all in full on the 22nd when I thought that's when it was due, but I paid it on the 21st. I didn't think I was late, but they charged me a late fee. It was due on the 15th, and I missed that email. They did not care, well neither do I. So, just as soon as I find something cheaper, I'm going. I already dropped it down to just the bare minimum. Y'all lost a good customer.

Bryan

Verified Review

Not Happy

Reviewed in Utah on April 19, 2026

Premiums started low, but it seems like with every renewal they increase again and again. I would think that the longer I am a customer, they would go in the other direction.

Alysia

Verified Review

Older Car, More Expensive

Reviewed in Alabama on March 23, 2026

My car got older, and the insurance increased over the last 3 years.

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JD Power

J.D. 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 ${AUTO_CARRIER_SAFEFCO_TF_OVERALL_CUSTOMER-SERVICE} 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	4.6
AAA	4.4
Safeco	3.8

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	4.5	4.9	4.2	4.6	4.6	4.4	4.5
USAA	4.9	4.9	4.9	4.9	4.9	4.9	4.9
Travelers	4.6	4.6	4.3	4.3	4.6	4.6	4.6
AAA	4.5	4.4	4.3	4.4	4.3	4.3	4.3
Safeco	4.3	4.1	3.8	4.0	4.1	3.9	4.1

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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4.7 out of 5 based on 14,501 reviews

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