Car Insurance Reviews: 85,000+ User Experiences and Ratings (2026)
We’ve gathered more than 85,000 verified customer reviews and rankings for 76 car insurance companies. Here’s what real policyholders say.
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Written byDoug Bailey
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Doug BaileySenior Content Writer
Doug Bailey is a senior content writer at Insurify. Doug is an experienced business writer having worked more than a decade as a reporter and business editor at the Boston Globe, covering financial services and the insurance industry. Most recently, Doug was a regular contributor to InsuranceNewsNet, a news and information service for the insurance and financial industry.
Doug is a native New Englander hailing from Maine and works in Insurify’s Cambridge office.
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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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.
Table of contents
Table of contents
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 (206 reviews) | 3.4 | 3.5 | 3.7 | 2.7 | 3.4 | 3.6 | 3.6 |
| AAA | 4.5 (2,348 reviews) | 4.3 | 4.3 | 4.3 | 4.4 | 4.4 | 4.3 | 4.2 |
| Acceptance | 3.9 (63 reviews) | 3 | 3.1 | 3.2 | 2.9 | 3.1 | 3.1 | 3.1 |
| Acuity | 4.5 (42 reviews) | 3.4 | 4.3 | 4.2 | 3.8 | 3.7 | 4.1 | 4.2 |
| Alfa | 4.2 (68 reviews) | 3.1 | 3.7 | 3.6 | 3.4 | 3 | 3.5 | 3.6 |
| American Alliance | 3.2 (19 reviews) | 2.4 | 3 | 2.8 | 2.1 | 2 | 2.2 | 2.5 |
| Allstate | 3.8 (10,633 reviews) | 3.3 | 3.8 | 3.8 | 3.9 | 3.8 | 3.8 | 3.7 |
| American Family | 4.5 (622 reviews) | 4.2 | 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 (196 reviews) | 3.6 | 4.2 | 4.2 | 3.9 | 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 (140 reviews) | 3.7 | 3.6 | 3.7 | 3.1 | 3.7 | 3.7 | 3.9 |
| AssuranceAmerica | 3.7 (119 reviews) | 3.3 | 3.4 | 3.6 | 2.8 | 3.2 | 3.3 | 3.5 |
| Auto-Owners | 4.3 (335 reviews) | 3.5 | 4 | 4 | 3.5 | 3.6 | 4 | 3.9 |
| Bristol West | 3.3 (648 reviews) | 3.1 | 3.1 | 3.2 | 3.2 | 3.3 | 3 | 3.1 |
| Chubb | 3.7 (10 reviews) | 3 | 4 | 3.2 | 3.4 | 2.7 | 3.8 | 3.2 |
| Cincinnati Insurance Companies | 4.5 (32 reviews) | 3.2 | 3.9 | 3.8 | 3.2 | 3.4 | 3.8 | 3.7 |
| Clearcover | 3.8 (64 reviews) | 3.5 | 3.6 | 3.8 | 3.1 | 3.4 | 3.5 | 3.6 |
| Commonwealth Casualty | 3.8 (56 reviews) | 3.1 | 3.2 | 3.4 | 2.7 | 2.9 | 3.1 | 3.4 |
| COUNTRY Financial | 4 (67 reviews) | 3.2 | 3.9 | 3.9 | 3.4 | 3.5 | 3.6 | 3.8 |
| Dairyland | 4 (392 reviews) | 3.3 | 3.5 | 3.6 | 3.1 | 3.2 | 3.5 | 3.7 |
| Direct Auto | 3 (1,522 reviews) | 3 | 3 | 3 | 3 | 3.3 | 3 | 3 |
| Elephant | 4 (179 reviews) | 3.5 | 3.6 | 3.8 | 3.3 | 3.7 | 3.7 | 3.9 |
| Encompass | 4 (24 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 | 3.9 | 3.8 | 3.7 |
| Erie Insurance | 4.4 (520 reviews) | 3.7 | 4 | 4.2 | 3.6 | 3.8 | 4 | 4 |
| Esurance | 3.9 (1,163 reviews) | 3.5 | 3.6 | 3.7 | 3.1 | 3.6 | 3.7 | 3.7 |
| Farm Bureau Financial Services | 4.2 (440 reviews) | 3.4 | 3.8 | 3.7 | 3.5 | 3.3 | 3.7 | 3.7 |
| Farmers | 3.8 (2,405 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 | 3.1 | 3.1 |
| Foremost | 3.7 (28 reviews) | 3.3 | 3.3 | 3.5 | 2.8 | 3.5 | 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 | 3.6 (207 reviews) | 3.1 | 3.2 | 3.2 | 2.6 | 3 | 3.3 | 3.3 |
| GEICO | 4 (18,072 reviews) | 3.8 | 4.1 | 4 | 4.1 | 3.9 | 4 | 3.9 |
| Grange | 3.9 (53 reviews) | 3 | 3.5 | 3.7 | 3 | 3.2 | 3.2 | 3.6 |
| Grinnell Mutual | 4.2 (9 reviews) | 3.7 | 4.3 | 4.3 | 3.7 | 4.4 | 3.7 | 4.2 |
| Hallmark | 4 (10 reviews) | 3 | 3.3 | 3.5 | 3.4 | 3.2 | 3.4 | 3.7 |
| Hanover | 4.2 (40 reviews) | 3.1 | 3.7 | 3.8 | 3 | 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 (221 reviews) | 3.8 | 3.6 | 3.7 | 3.2 | 3.8 | 4 | 3.9 |
| Infinity | 3.8 (182 reviews) | 3.3 | 3.4 | 3.4 | 2.8 | 3.2 | 3.4 | 3.4 |
| Kemper | 3.7 (353 reviews) | 3.1 | 3.2 | 3.3 | 2.6 | 3 | 3.2 | 3.2 |
| Liberty Mutual | 3.4 (3,924 reviews) | 3 | 3.6 | 3.6 | 3.5 | 3.3 | 3.5 | 3.4 |
| MAPFRE | 3.7 (93 reviews) | 3 | 3.6 | 3.5 | 3 | 3 | 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 (659 reviews) | 3.2 | 3.5 | 3.7 | 3 | 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 (1,243 reviews) | 3 | 3.3 | 3.4 | 2.7 | 3.1 | 3.2 | 3.3 |
| Nationwide | 4.2 (979 reviews) | 3.5 | 4.2 | 4.1 | 4 | 3.7 | 3.9 | 3.9 |
| NJM | 4.2 (136 reviews) | 3.4 | 3.9 | 4 | 3.6 | 3.5 | 3.8 | 3.9 |
| Pekin | 4.4 (23 reviews) | 3 | 3.8 | 3.7 | 3.1 | 2.9 | 3.3 | 3.4 |
| PEMCO | 4.1 (29 reviews) | 3.9 | 3.8 | 4 | 3.4 | 3.8 | 3.7 | 3.8 |
| Plymouth Rock | 3.9 (300 reviews) | 2.9 | 3.4 | 3.4 | 2.8 | 3 | 3.4 | 3.4 |
| Progressive | 3.2 (20,745 reviews) | 3 | 3.4 | 3.4 | 3.4 | 3.4 | 3.3 | 3.2 |
| Remco | 3.1 (53 reviews) | 2.7 | 2.8 | 2.9 | 2 | 2.7 | 2.8 | 2.8 |
| Root | 3.4 (1,325 reviews) | 2.8 | 3.2 | 3.2 | 2.4 | 2.7 | 3 | 3.1 |
| SafeAuto | 3.4 (239 reviews) | 3.1 | 3.5 | 3.3 | 3 | 3 | 3.4 | 3.5 |
| Safeco | 4.3 (1,056 reviews) | 3.8 | 4.1 | 4.1 | 4.1 | 4 | 3.9 | 4.1 |
| Safeway | 3.7 (69 reviews) | 3.2 | 3.4 | 3.2 | 2.6 | 3 | 3.4 | 3.2 |
| Secura | 4.8 (4 reviews) | 2.8 | 2.8 | 3.3 | 2 | 3.4 | 3.4 | 3.3 |
| Shelter Insurance | 4.2 (144 reviews) | 3.4 | 3.9 | 3.9 | 3.7 | 3.5 | 3.9 | 4 |
| State Auto | 4.1 (36 reviews) | 3.3 | 3.9 | 3.8 | 3.1 | 3.9 | 3.7 | 3.6 |
| State Farm | 4 (17,911 reviews) | 3.7 | 4.1 | 4.1 | 4.3 | 3.9 | 4 | 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 (1,341 reviews) | 3 | 3.1 | 3 | 3.1 | 3 | 3.3 | ${AUTO_CARRIER_THE-GENERALL_TF_OVERALL_POLICY-TRANSPARENCY} |
| The Hartford | 4.2 (1,856 reviews) | 3.3 | 3.7 | 3.8 | 3.3 | 3.4 | 3.7 | 3.7 |
| Traders | 4.7 (9 reviews) | 3.5 | 3.4 | 3.5 | 3.6 | 3.5 | 4 | 3.6 |
| Travelers | 4.6 (1,474 reviews) | 4.3 | 4.6 | 4.6 | 4.6 | 4.3 | 4.5 | 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 (3,591 reviews) | 4.9 | 4.9 | 4.9 | 4.9 | 4.9 | 4.9 | 4.9 |
| Westfield | 4.2 (31 reviews) | 3.4 | 4 | 4 | 3.4 | 3.8 | 3.7 | 4 |
Top insurance companies to consider, based on user reviews
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.
USAA: Highest rated for the military community
Dirk
Verified Review
Good but expensive
Reviewed in Texas on May 11, 2026
Pretty good, but still way too expensive.
Shana
Verified Review
USAA Is a Great Insurance
Reviewed in Texas on May 7, 2026
They are great. Bundling everything keeps costs low, and the satisfaction of having everything with good customer service is top tier. Sometimes they aren't the cheapest, but it's worth it most times.
Claudia
Verified Review
Excellent
Reviewed in Georgia on May 5, 2026
Customer service is excellent. However, it is expensive.
Kristina
Verified Review
You're the Only One Who Cares About You - Your Safety, Your Money, and Your Bottom Line
Reviewed in California on May 5, 2026
Move out of or stay out of California; it's an insurance rip-off and joke. It doesn't matter if you have a pristine driving record (like me, 30+ years as a licensed driver, zero tickets, zero accidents, zero claims - still screwed!). As long as there are people encouraged to break the law, you're going to foot the bill. First and foremost, be a responsible driver, drive defensively, pay attention, and keep your head on a swivel. Understand that no one else out there cares about you, your life, your vehicle, or your money, so you have to do right by yourself and your family alone.
My next best advice to help ensure you can have your own back, because not everyone can even qualify for USAA (but if you do qualify for USAA, bar none, there is no better insurer out there, period!), is to figure out how to self-insure. Pay the premiums to yourself, invest in a no-touch type of account to accumulate your premiums and get an actual return on that investment. Then, if the worst-case scenario happens and you need to handle business, guess what - you can pay for it yourself. Your claim won't be denied, and your rates won't go up if, God forbid, you get in an accident, nor will you be denied coverage. These days, you're going to foot the bill, one way or another, most likely for you and the other party involved, so you might as well be your own insurer and quit paying premiums to another company who will forget that you've been footing the bill for all these years with no claims the moment you actually need them.
Melissa
Verified Review
High Costs...little return
Reviewed in Colorado on May 11, 2026
For the most part, the insurance has been fine. It is difficult at times if you need to speak with a customer service rep, as the company relies on AI to try and resolve issues. Claims are hit or miss, and it seems that not all representatives provide the same quality of service. Rates have consistently increased regardless of any claims against your own account. There are very few discounts for customers that have been with them for years. Rates are 4-5 times higher than other insurance companies.
Thurston
Verified Review
Insurance Pain
Reviewed in Texas on May 11, 2026
Completed a 5-year surcharge. Now I have accident forgiveness. To this day, I am unable to get a fair premium not only from my insurance company but any other carrier because they want to penalize me for the surcharge that I just completed.
William
Verified Review
Insurance shouldn't be for profit
Reviewed in Ohio on May 9, 2026
Insurance is a racket. No car? Need a non-driver's policy, otherwise the gap in insurance is held against you and comes with obnoxiously high rates. Bad credit? For some reason, it's viewed as a high risk and means obnoxiously higher rates. Why the premium on a 14-year-old Audi was $180/month for full coverage for someone with no points is beyond me. If anything, the premium should have gone down due to continued depreciation (i.e., replacement cost goes down).
Mark
Verified Review
Poor
Reviewed in Louisiana on May 8, 2026
Quoted one price, second month increase of $90.00 per month.
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: Strong customer satisfaction and claims support
Justin
Verified Review
Good
Reviewed in Connecticut on May 8, 2026
The price that I am paying now for minimum insurance is high. I need a much better price.
Heffer Ii
Verified Review
Competitive
Reviewed in Florida on May 7, 2026
They are competitive with other companies.
Toni
Verified Review
Traveler's Survey
Reviewed in Mississippi on May 7, 2026
I like the coverage but don't like the service charge.
Kathleen
Verified Review
Average
Reviewed in Oregon on May 5, 2026
Coverage is very good, but the price is not so good. It's too expensive, but the coverage is good.
Christopher
Verified Review
Not a Happy Client
Reviewed in Massachusetts on May 5, 2026
I tried to register my car the other day. I had just gotten out of the VA hospital and received a notice in the mail that my registration was due, so I went online like I do every year. This is for my 2024 registration. When I filled out all the paperwork, they told me I was uninsured. I called Amazonia Insurance, and they told me it was wrong. I said OK, then I called again, and they told me they don’t have my records. I've had a bad experience this last week with them, and I've been with them for a long, long time. I just want you to give me my money back if you didn’t insure me because they’re saying you didn’t insure me. I would like all my money back for this year. Thank you.
Joe
Verified Review
Poor
Reviewed in New York on May 3, 2026
Charges too much for coverage.
Michael
Verified Review
Check your options.
Reviewed in Illinois on May 1, 2026
Travelers has good coverage options. However, when I needed to use them for emergency road service, it was difficult to speak to a person, and I spent enough time on hold to grow a beard. We have used Travelers for home and auto, but we have been disappointed with excessive price increases. We end up having to switch insurance companies every few years due to rising rates. I'd prefer to stay with one company and avoid the hassle of shopping rates, but all insurers seem to follow the same pattern: give a good rate to get your business, and then start raising rates.
Marguerite
Verified Review
Beware
Reviewed in Pennsylvania on April 30, 2026
The only problem I have with Travelers Insurance is they raise my rates every 6 months. I have an excellent driving record and I'm done with them!
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.
AAA: Bundling auto insurance with member benefits
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.
Joseph
Verified Review
AAA is the best
Reviewed in Mississippi on January 24, 2026
I believe you would get a lower rate and excellent coverage.
Sandra
Verified Review
I've been with them for some time now and I'm not sure if they're the best for me right
Reviewed in Minnesota on November 6, 2025
I feel the rates really went up after we had claims that weren't our fault, but otherwise, it was alright.
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.
Gary
Verified Review
All car insurance companies suck!
Reviewed in Michigan on March 10, 2026
They reduced my rate by $450 when I compared other companies' rates.
Cheryl
Verified Review
Only moderately satisfied
Reviewed in Mississippi on January 5, 2026
The price quoted and the first payment were made, but the subsequent payments increased. I was forced to use auto-pay, which I don't find necessary at 72 years old. I was supposed to be auto-billed on 2/2, and today, 2/5, I still haven't been billed. That's not acceptable.
James
Verified Review
Disappointed
Reviewed in Georgia on December 24, 2025
Home insurance is GREAT but car insurance is too expensive.
In addition to appreciating AAA’s roadside assistance, many customers appreciate the option to bundle auto insurance with membership perks, homeowners insurance, and gap insurance. Reviews note that experiences vary by region because AAA provides coverage through regional clubs and partner insurance companies, rather than dedicated insurance agents.
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: Broad coverage options for auto insurance shoppers
William
Verified Review
Excellent
Reviewed in Pennsylvania on April 19, 2026
Too expensive and they farm you out to other insurance companies.
Walter Mike
Verified Review
Fed up with high rates just because they can
Reviewed in North Carolina on February 24, 2026
I thought it was good until they started raising my rates for no good reason other than what they said: everyone is getting a rate increase. Which didn’t sit well. I’m a senior citizen with a perfect driving record; all other things they check are really good, and I've been with this same company and agent for over 20 years. Undoubtedly, that doesn’t mean much. So much for loyalty and being a long-time customer. So I’m doing something different.
John
Verified Review
Great Company Nationwide
Reviewed in New York on February 24, 2026
Really good, prompt, courteous, and efficient.
Thomas
Verified Review
Good Company, Bad Agent
Reviewed in Pennsylvania on February 16, 2026
Nationwide was excellent at handling claims. The agent was incompetent.
Brian
Verified Review
Not happy anymore with this company
Reviewed in Pennsylvania on March 28, 2026
The rates are not that good; they go up every other month with no notification. When you call about it, they say, "It is what it is." With auto-pay, we set the date, but they may take it a week early or a week later, but it's normally earlier than the date we set. This really sucks since I have had insurance through them since I was 17 years old, and I am now 61. Their rates keep going up with no notification.
Cassidy
Verified Review
Don't use this company
Reviewed in Nevada on March 26, 2026
My car is 6 years old. I have no claims and no tickets, and my insurance has increased 200% in the past 6 years.
Patricia
Verified Review
Bad Communication
Reviewed in South Carolina on March 18, 2026
They never informed me about the increase until it was time to renew, and they didn't explain why the increase occurred.
Edward
Verified Review
Loyalty means nothing
Reviewed in Pennsylvania on March 3, 2026
I have been with this insurance company for 50 years, and I feel like I've been overpaying the entire time. They never tried to save me money. It's a good idea to shop around and save money.
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.
Some policyholders report premium increases over time, which may affect the overall car insurance cost. Nationwide may be a good fit for drivers who value complete coverage and service consistency over the cheapest car insurance rates.
Safeco: Competitive pricing and positive claims experiences
Sharon
Verified Review
Safeco Insurance
Reviewed in Georgia on March 4, 2026
I would like a lower cost. I only need a tag for liability.
Paul
Verified Review
Expensive Insurance
Reviewed in New York on February 21, 2026
Safeco is a good company, but the insurance rates keep going up.
Robert
Verified Review
Safety is my current carrier
Reviewed in Massachusetts on February 18, 2026
Expensive.
Stephen
Verified Review
Costs too much
Reviewed in Colorado on January 28, 2026
The insurance is good, but the cost is too high.
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.
Gary
Verified Review
Shop Around... Don't Get Screwed
Reviewed in Texas on March 20, 2026
Shop around. I am 72 years old, with no tickets or accidents. They want me to pay $1,330 a year. I drive less than 25 miles a day.
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.
Common complaints and red flags in auto insurance reviews
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]
Save on Your Next Auto Insurance Policy
Compare rates from the nation’s leading insurance companies
Excellent
4.7 out of 5 based on 14,312 reviews
Secure. Free. Easy-to-use.
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.
Why customer reviews matter when comparing auto insurance
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]
Car insurance reviews FAQs
If you still have questions about car insurance reviews, the following answers can help.
What makes a car insurance company reliable?
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.
Should you trust negative reviews completely?
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.
How often do Insurify‘s car insurance reviews update?
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.
Can you find affordable car insurance with good reviews?
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.
Which car insurance company has the best reviews?
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 like Hanover post slightly higher averages, companies like Amica and Erie offer the most reliable balance of strong ratings and review volume.
Which car insurance company has the most complaints?
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 insurers — such as United Automobile Insurance and SafeAuto — often have higher complaint rates relative to their market share.
How do you know if a review is genuine?
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.
How does minimum coverage affect reviews?
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.
Are online quotes accurate?
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]
Which car insurance companies have the highest customer satisfaction?
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.
What should you look for when reading car insurance reviews?
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.
Do car insurance reviews vary by state?
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.
What’s the difference between customer satisfaction ratings and individual 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.
Sources
- Property Casualty 360. "Most common insurance complaints from consumers."
- J.D. Power. "Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, JD Power Finds."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- NAIC. "Comparing Online Auto Insurance Quotes."
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Doug BaileySenior Content Writer
Doug Bailey is a senior content writer at Insurify. Doug is an experienced business writer having worked more than a decade as a reporter and business editor at the Boston Globe, covering financial services and the insurance industry. Most recently, Doug was a regular contributor to InsuranceNewsNet, a news and information service for the insurance and financial industry.
Doug is a native New Englander hailing from Maine and works in Insurify’s Cambridge office.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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