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The Best Car Insurance Companies for 2019

July 8, 2019
Auto Insurance, Insurance
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

The best car insurance companies have a few things in common: They have straightforward shopping experiences, take good care of policyholders after a crash and treat their customers with respect and courtesy. That means only insurers with high customer satisfaction scores and relatively few complaints to insurance commissioners make it to the top of our list of the best auto insurance companies.

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For NerdWallet’s rankings, we analyzed customer service and claims satisfaction scores from both J.D. Power and Consumer Reports, along with complaint data from the National Association of Insurance Commissioners.

Only insurers rated by both J.D. Power and Consumer Reports are included. That means many smaller insurers aren’t represented here — but they’re worth considering, too.

Our picks: The best auto insurance companies

CompanyNerdWallet Rating
Note: Not all insurers available in all states.
1. NJM
5.0 NerdWallet rating
2. Auto-Owners Insurance
4.5 NerdWallet rating
3. Amica Mutual
4.5 NerdWallet rating
4. Erie Insurance
4.0 NerdWallet rating
5. Automobile Club Group
4.0 NerdWallet rating
6. The Hanover
4.0 NerdWallet rating
7. Auto Club of SoCal
4.0 NerdWallet rating
8. Nationwide
4.0 NerdWallet rating
9. State Farm
4.0 NerdWallet rating
10. American Family Insurance
4.0 NerdWallet rating
11. Travelers Insurance
4.0 NerdWallet rating
12. The Hartford
3.5 NerdWallet rating
13. Allstate
3.5 NerdWallet rating
14. CSAA
3.5 NerdWallet rating
15. Geico
3.5 NerdWallet rating
16. Farmers Insurance
3.5 NerdWallet rating
17. Esurance
3.5 NerdWallet rating
18. 21st Century
3.5 NerdWallet rating
19. Progressive
3.5 NerdWallet rating
20. Liberty Mutual
3.5 NerdWallet rating
21. MetLife
3.5 NerdWallet rating
22. Mercury Insurance
3.5 NerdWallet rating
23. Safeco
3.0 NerdWallet rating
24. Mapfre
3.0 NerdWallet rating
*The following company was scored, but was ineligible for ranking because coverage is available only to certain customers.
USAA [Available only to military members, veterans and their family members.]
4.0 NerdWallet rating

? MORE:?Compare car insurance

Finding the best car insurance company for you

Maybe claims service isn’t top of mind, and you just want to pay as little as possible for car insurance — after all, nobody expects to be in a car accident. Since pricing is based on personal factors including your age, location, vehicle and, in most cases, your credit history and gender, it’s important to shop around for insurance quotes.

? MORE: Find the best cheap car insurance

If price is the most important factor in your search, comparing car insurance quotes can help you find the cheapest rate. But your shopping experience will also shed light on a company’s customer service standards.

To find the best company for you while shopping for car insurance:

  • Visit your state insurance commissioner’s website to find complaints and more information about companies in your area.
  • Ask your agent or customer service representative questions to make sure you’re getting all the coverage you need — and nothing you don’t want.
  • Consider smaller insurance companies, too. Only large insurers are eligible for this list because there’s a wealth of data for evaluating them, but a smaller insurer might still be the best company for you.
  • If you’ve had tickets, DUIs or other violations, be sure to shop 3 and 5 years after the incident, when surcharges can drop significantly.

Want to see rates? Navigate to your state below and compare average rates from the three cheapest car insurance companies in several categories where you live.

NerdWallet’s star ratings are based on the following three factors, each weighted equally to produce a 300-point maximum total score:

  • 2018 consumer complaints data from the National Association of Insurance Commissioners for private passenger auto insurance. The median complaint ratio for the industry is 1. Lower ratios are better. Insurers whose median complaint ratios were more than 1 received fewer points; those lower than 1 received more points.
  • 2017 company satisfaction data from Consumer Reports’ most recent car insurance survey. Higher satisfactions ratings from Consumer Reports were given higher scores in our calculation.
  • 2018 J.D. Power ratings from three studies encompassing regional customer service satisfaction, auto claims satisfaction and shopping satisfaction. Ratings from each of the separate 2018 studies were averaged to form one overall score from J.D. Power. The higher the average, the more points the insurer scored in our calculation.

Only larger insurers with data available in all three of these categories were included. Smaller insurers not listed here may also be good choices and are worth consideration.

OK, what’s next?

Select the right policy for you by understanding coverage choices.

Read: What does car insurance cover? ?