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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
Shopping for auto insurance for your new car isn’t just about finding the cheapest car insurance or simply meeting your state’s minimum or lender requirements. It’s about choosing the best car insurance company for you.
You want an insurer that delivers reliable car insurance coverage, transparent pricing, and strong service when it matters most. Customer reviews provide valuable insights into how auto insurance companies perform, especially when policyholders file insurance claims or seek support.
Insurify’s editorial team analyzes verified reviews from its customers and applies a consistent methodology to evaluate leading insurance companies. This approach helps shoppers compare car insurance rates based not only on price but also on claims handling, coverage selections, and the overall experience.
The table below highlights how leading car insurance companies perform based on honest policyholder feedback. A score of five represents a top score.
Insurance Company  | Overall Rating | Value for Money | Claims Handling | Coverage Options | Customer Service | Discounts | Policy Flexibility | Policy Transparency |
|---|---|---|---|---|---|---|---|---|
| 21st Century | 4.0 (213 reviews) | 3.4 | 3.5 | 3.7 | 2.7 | 3.4 | 3.6 | 3.5 |
| AAA | 4.5 (2,352 reviews) | 4.3 | 4.3 | 4.3 | 4.3 | 4.4 | 4.3 | 4.2 |
| Acceptance | 3.9 (63 reviews) | 3.0 | 3.1 | 3.2 | 2.9 | 3.1 | 3.1 | 3.1 |
| Acuity | 4.5 (44 reviews) | 3.4 | 4.3 | 4.2 | 3.8 | 3.7 | 4.1 | 4.2 |
| Alfa | 4.2 (71 reviews) | 3.1 | 3.7 | 3.6 | 3.4 | 3.0 | 3.5 | 3.7 |
| American Alliance | 3.2 (20 reviews) | 2.4 | 3.0 | 2.8 | 2.1 | 2.0 | 2.2 | 2.5 |
| Allstate | 3.8 (10,969 reviews) | 3.3 | 3.8 | 3.8 | 3.8 | 3.8 | 3.8 | 3.7 |
| American Family | 4.5 (632 reviews) | 4.3 | 4.6 | 4.6 | 4.9 | 4.6 | 4.4 | 4.5 |
| Ameriprise | 4.2 (37 reviews) | 4.8 | 4.9 | 4.5 | 4.9 | 4.6 | 4.7 | 4.9 |
| Amica | 4.5 (198 reviews) | 3.6 | 4.2 | 4.2 | 3.8 | 3.7 | 4.1 | 4.2 |
| Anchor | 3.7 (16 reviews) | 2.5 | 2.3 | 2.8 | 2.3 | 2.9 | 2.9 | 2.9 |
| Aspire General | 4.0 (146 reviews) | 3.7 | 3.6 | 3.7 | 3.1 | 3.7 | 3.7 | 3.9 |
| AssuranceAmerica | 3.8 (127 reviews) | 3.3 | 3.4 | 3.6 | 2.8 | 3.2 | 3.4 | 3.5 |
| Auto-Owners | 4.3 (342 reviews) | 3.5 | 4.0 | 4.0 | 3.5 | 3.6 | 4.0 | 4.0 |
| Bristol West | 3.3 (671 reviews) | 3.1 | 3.1 | 3.2 | 3.2 | 3.3 | 3.0 | 3.1 |
| Chubb | 3.7 (10 reviews) | 3.0 | 4.0 | 3.2 | 3.4 | 2.7 | 3.8 | 3.2 |
| Cincinnati Insurance Companies | 4.4 (33 reviews) | 3.2 | 3.9 | 3.8 | 3.1 | 3.4 | 3.8 | 3.7 |
| Clearcover | 3.8 (65 reviews) | 3.5 | 3.6 | 3.8 | 3.0 | 3.4 | 3.5 | 3.6 |
| Commonwealth Casualty | 3.8 (57 reviews) | 3.1 | 3.1 | 3.4 | 2.7 | 2.9 | 3.0 | 3.3 |
| COUNTRY Financial | 4.0 (67 reviews) | 3.2 | 3.9 | 3.9 | 3.4 | 3.5 | 3.6 | 3.8 |
| Dairyland | 4.0 (396 reviews) | 3.3 | 3.5 | 3.6 | 3.2 | 3.2 | 3.5 | 3.7 |
| Direct Auto | 3.0 (1,572 reviews) | 3.0 | 3.0 | 3.0 | 3.0 | 3.3 | 3.0 | 3.0 |
| Elephant | 4.0 (181 reviews) | 3.5 | 3.6 | 3.8 | 3.2 | 3.6 | 3.7 | 3.8 |
| Encompass | 4.0 (25 reviews) | 3.1 | 3.6 | 3.8 | 3.1 | 3.2 | 3.7 | 3.6 |
| Equity | 4.6 (3 reviews) | 3.7 | 3.6 | 3.7 | 3.0 | 3.9 | 3.8 | 3.7 |
| Erie Insurance | 4.4 (527 reviews) | 3.7 | 4.0 | 4.2 | 3.6 | 3.8 | 4.0 | 4.0 |
| Esurance | 3.9 (1,179 reviews) | 3.5 | 3.6 | 3.7 | 3.1 | 3.6 | 3.7 | 3.7 |
| Farm Bureau Financial Services | 4.2 (452 reviews) | 3.4 | 3.8 | 3.8 | 3.5 | 3.3 | 3.7 | 3.7 |
| Farmers | 3.8 (2,408 reviews) | 3.2 | 3.8 | 3.7 | 3.7 | 3.4 | 3.7 | 3.5 |
| First Chicago | 3.7 (64 reviews) | 3.2 | 3.1 | 3.2 | 2.6 | 3.0 | 3.1 | 3.1 |
| Foremost | 3.8 (30 reviews) | 3.2 | 3.3 | 3.5 | 2.7 | 3.4 | 3.5 | 3.6 |
| Frankenmuth | 4.1 (11 reviews) | 3.3 | 3.8 | 3.9 | 3.2 | 3.4 | 3.8 | 3.7 |
| Freeway | 3.8 (53 reviews) | 3.1 | 3.5 | 3.6 | 2.8 | 3.1 | 3.6 | 3.5 |
| GAINSCO | 3.7 (214 reviews) | 3.1 | 3.2 | 3.2 | 2.6 | 3.0 | 3.3 | 3.3 |
| GEICO | 4.0 (18,579 reviews) | 3.8 | 4.1 | 4.0 | 4.1 | 3.9 | 4.0 | 3.9 |
| Grange | 4.0 (55 reviews) | 3.0 | 3.5 | 3.7 | 3.0 | 3.2 | 3.2 | 3.7 |
| Grinnell Mutual | 4.2 (9 reviews) | 3.7 | 4.3 | 4.3 | 3.7 | 4.4 | 3.7 | 4.2 |
| Hallmark | 4.0 (10 reviews) | 3.0 | 3.3 | 3.5 | 3.4 | 3.2 | 3.4 | 3.7 |
| Hanover | 4.2 (40 reviews) | 3.1 | 3.7 | 3.8 | 3.0 | 3.2 | 3.7 | 3.7 |
| Hastings Mutual | 4.8 (10 reviews) | 4.2 | 4.4 | 4.4 | 4.2 | 4.3 | 4.4 | 4.2 |
| Hugo | 4.6 (230 reviews) | 3.8 | 3.6 | 3.7 | 3.2 | 3.8 | 4.0 | 3.9 |
| Infinity | 3.8 (182 reviews) | 3.3 | 3.4 | 3.4 | 2.8 | 3.2 | 3.4 | 3.4 |
| Liberty Mutual | 3.4 (4,038 reviews) | 3.0 | 3.6 | 3.6 | 3.4 | 3.3 | 3.5 | 3.4 |
| MAPFRE | 3.7 (94 reviews) | 3.0 | 3.6 | 3.5 | 3.0 | 3.0 | 3.5 | 3.6 |
| Mendota | 3.3 (65 reviews) | 3.1 | 2.9 | 3.1 | 2.3 | 2.8 | 2.9 | 3.1 |
| Mercury | 4.0 (666 reviews) | 3.2 | 3.5 | 3.7 | 3.0 | 3.3 | 3.5 | 3.6 |
| Metromile | 4.1 (95 reviews) | 3.6 | 3.9 | 3.9 | 2.6 | 3.5 | 3.7 | 3.7 |
| National General | 3.7 (1,308 reviews) | 3.0 | 3.2 | 3.4 | 2.7 | 3.1 | 3.2 | 3.3 |
| Nationwide | 4.2 (991 reviews) | 3.5 | 4.2 | 4.1 | 4.0 | 3.7 | 3.9 | 3.9 |
| NJM | 4.2 (137 reviews) | 3.3 | 4.0 | 4.1 | 3.6 | 3.5 | 3.8 | 4.0 |
| Pekin | 4.4 (24 reviews) | 3.0 | 3.8 | 3.7 | 3.1 | 2.9 | 3.3 | 3.4 |
| PEMCO | 4.2 (30 reviews) | 3.9 | 3.9 | 4.1 | 3.5 | 3.9 | 3.8 | 3.9 |
| Plymouth Rock | 3.9 (304 reviews) | 3.0 | 3.4 | 3.4 | 2.8 | 3.0 | 3.4 | 3.4 |
| Progressive | 3.2 (21,547 reviews) | 3.1 | 3.4 | 3.4 | 3.4 | 3.4 | 3.3 | 3.2 |
| Remco | 3.1 (53 reviews) | 2.7 | 2.8 | 2.9 | 2.0 | 2.7 | 2.8 | 2.8 |
| Root | 3.4 (1,382 reviews) | 2.8 | 3.2 | 3.2 | 2.4 | 2.8 | 3.0 | 3.1 |
| SafeAuto | 3.4 (239 reviews) | 3.1 | 3.5 | 3.3 | 3.0 | 3.0 | 3.4 | 3.5 |
| Safeco | 4.3 (1,060 reviews) | 3.8 | 4.1 | 4.1 | 4.1 | 4.0 | 3.9 | 4.1 |
| Safeway | 3.7 (69 reviews) | 3.2 | 3.4 | 3.2 | 2.6 | 3.0 | 3.4 | 3.2 |
| Secura | 4.8 (4 reviews) | 2.8 | 2.8 | 3.3 | 2.0 | 3.4 | 3.4 | 3.3 |
| Shelter Insurance | 4.3 (147 reviews) | 3.4 | 3.9 | 3.9 | 3.7 | 3.5 | 3.9 | 4.0 |
| State Auto | 4.1 (36 reviews) | 3.3 | 3.9 | 3.8 | 3.1 | 3.9 | 3.7 | 3.6 |
| State Farm | 4.0 (18,541 reviews) | 3.7 | 4.1 | 4.1 | 4.3 | 3.9 | 4.0 | 3.9 |
| Sun Coast | 4.1 (38 reviews) | 3.7 | 3.5 | 3.9 | 3.3 | 3.8 | 3.8 | 3.8 |
| The General | 3.4 (1,390 reviews) | 3.1 | 3.1 | 3.0 | 3.1 | 3.0 | 3.3 | ${AUTO_CARRIER_THE-GENERALL_TF_OVERALL_POLICY-TRANSPARENCY} |
| The Hartford | 4.2 (1,868 reviews) | 3.3 | 3.7 | 3.8 | 3.3 | 3.4 | 3.7 | 3.7 |
| Traders | 4.7 (10 reviews) | 3.5 | 3.6 | 3.7 | 3.7 | 3.4 | 4.0 | 3.6 |
| Travelers | 4.6 (1,541 reviews) | 4.3 | 4.6 | 4.6 | 4.6 | 4.3 | 4.6 | 4.6 |
| United Auto | 3.6 (41 reviews) | 3.1 | 3.4 | 3.3 | 2.5 | 2.8 | 3.1 | 3.1 |
| USAA | 4.9 (3,740 reviews) | 4.9 | 4.9 | 4.9 | 4.8 | 4.9 | 4.9 | 4.9 |
| Westfield | 4.2 (31 reviews) | 3.4 | 4.0 | 4.0 | 3.4 | 3.8 | 3.7 | 4.0 |
The right insurance company for you will depend on several factors, including your driving history, vehicle’s age and make, where you live, and more. That’s why it’s important to compare quotes from multiple companies when shopping for new car insurance.
In this section you’ll have a chance to see reviews from real Insurify users who’ve purchased policies from the following companies. The companies listed here have the highest user experience ratings for the listed groups of policyholders.
Eligible members frequently rank USAA among the best car insurance companies for customer satisfaction, service, and claims reliability.
Customer reviews often highlight smooth claims handling, competitive car insurance costs, and clear explanations of insurance policies, including liability coverage, comprehensive coverage, safe driving discounts, personal injury protection, and deductible options.
Many policyholders — particularly good drivers with good credit and clean driving records — report long-term loyalty and high customer satisfaction. USAA is a top choice for insuring a new car when drivers meet eligibility requirements and have a positive driver profile.
Travelers consistently earns positive customer reviews for responsive service and dependable claims outcomes. While its car insurance rates may be higher than some competitors, many policyholders consider the added cost justified by strong claims handling, helpful agents, and a wide range of coverage choices.
Travelers also offers features such as accident forgiveness, flexible deductibles, and solid comprehensive coverage, which can appeal to drivers who prioritize long-term value over minimum-coverage pricing.
In addition to appreciating AAA’s roadside assistance, many customers appreciate the option to bundle auto insurance with membership perks and homeowners insurance. Reviews note that experiences vary by region.
For drivers comparing online quotes, AAA can be attractive due to bundling discounts and added services, especially for senior driver households insuring multiple vehicles or policies.
Nationwide receives positive reviews for its flexible car insurance policies, dependable claims outcomes, claims processes, and agent support. Customer reviews often mention strong coverage options, including higher-than-minimum coverage limits and optional endorsements.
Nationwide may be a good fit for drivers who value complete coverage and service consistency over the cheapest car insurance rates.
Safeco stands out in customer reviews for smooth claims handling and competitive pricing through independent insurance agents. Many policyholders appreciate customizable car insurance coverage, deductible flexibility, and responsive insurance claims teams.
Service quality can depend on the local agent relationship. Reviews suggest Safeco is a strong option for drivers seeking personalized support and comprehensive coverage from an established auto insurer.
All auto insurance companies receive some negative customer reviews. The key is to identify whether issues are isolated or systemic.
Across thousands of auto insurance policy reviews, several recurring complaints emerge. The most common issues include slow or complex claims handling, slow customer service response times, unexpected increases in car insurance rates, and confusion about coverage options, unfamiliar terms, and jargon.
When evaluating auto insurance companies it’s essential to look for patterns. Every insurance company receives some negative feedback and occasional poor customer reviews, but repeated complaints may indicate systemic issues rather than isolated incidents.[1]
Compare rates from the nation’s leading insurance companies
Insurify collects verified customer reviews from users who search for car insurance quotes and purchase auto insurance policies through its platform. We evaluate these insurance reviews using a standardized methodology that examines claims handling, pricing transparency, coverage options and clarity, and overall customer satisfaction.
By focusing on recent, verified feedback, Insurify’s methodology ensures the rankings reflect current service levels and evolving market conditions, helping shoppers make informed comparisons of auto policies among leading insurance companies.
Customer reviews reveal what price comparisons alone can’t — how insurers perform during real-world situations like accidents, claims disputes, or billing changes. Customer reviews highlight critical factors such as claims processing speed, responsiveness, deductible application, full-coverage explanations, and ease of insurance policy updates.
For drivers comparing online quotes, customer reviews help identify auto insurance companies that consistently deliver customer satisfaction, not just the best rates or low introductory rates. This allows shoppers to balance price, service, and protection when selecting car insurance.[2]
If you still have questions about car insurance reviews, the following answers can help.
Reliable auto insurance companies consistently pay valid claims, communicate clearly, and treat policyholders fairly. Customer reviews often reveal whether insurers perform well under stress, not just during the online quoting process.
You shouldn’t ignore negative reviews, but you should view them in context. Isolated complaints are common for all insurers. Look for repeated patterns across many reviews, especially regarding claims handling or billing issues, which may indicate systemic problems.
Insurify reviews update daily as users purchase policies and share feedback. This ensures ratings reflect recent customer experiences rather than outdated service issues or past pricing structures.
Yes. Many insurance companies offer competitive pricing to good drivers and people with good driving histories. Customer reviews help identify auto insurance companies that balance lower premiums with dependable claims handling — especially for good drivers and young drivers.[3]
USAA, Erie Insurance, Auto Owners Insurance, and NJM Insurance all rank highly for review scores while offering low average full coverage rates, according to Insurify data.
No single insurer is “best” for everyone. Companies like USAA and Travelers often score highly overall, but the best choice for you depends on your eligibility, location, coverage needs, and price or service needs.
Amica and Erie Insurance rank among the best-reviewed auto insurers, based on Insurify user reviews. These insurers combine high customer satisfaction with a meaningful number of reviews. USAA stands out for maintaining strong ratings across a much larger customer base.
While smaller regional insurers post slightly higher averages, companies like Amica and Erie offer the most reliable balance of strong ratings and review volume.
Larger insurers receive more complaints simply due to their size and number of customers served. Reviews are more useful when evaluated proportionally — focusing on complaint themes and frequency rather than raw volume alone. Based on Insurify user review data, larger insurers tend to generate the most total complaints.
That said, regulatory data from the National Association of Insurance Commissioners shows that smaller regional insurers — such as United Automobile Insurance and SafeAuto — often have higher complaint rates relative to their market share.
Insurify reviews come from verified users who purchased policies through Insurify’s platform. This helps reduce fake or promotional reviews and ensures feedback reflects real customer experiences.
Drivers and auto-owners with only minimum coverage may have different experiences than drivers with full coverage or comprehensive coverage, particularly after accidents. Customer reviews often reflect how liability coverage and the claims process affect customer satisfaction.
Online quotes provide helpful estimates of insurance premiums, but final pricing depends on factors such as your driving record, deductible selection, insurance choices, coverage limits, vehicle type, and more.[4]
Insurers with efficient claims handling, clear policies, and coverage selections like accident forgiveness tend to score highest in customer satisfaction reviews. Companies such as GEICO, Progressive, Amica, Erie, and USAA tend to receive better-than-average review scores.
Pay attention to recurring themes like claims speed, agent responsiveness, billing transparency, and renewal pricing. Consistency across many reviews is more meaningful than extreme one-off opinions.
Yes. Pricing, regulations, and service quality can vary significantly by state. Regional differences — especially for companies using local agents — can affect customer experiences reflected in reviews.
Satisfaction ratings summarize overall trends across many customers, while individual reviews provide detailed context. Together, they offer both a big-picture view and specific insights into real-world experiences.
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.