Compare Car Insurance

(Easily compare the top car insurance companies)

Car on summer day at park

We developed a proprietary scoring system to find the best 20 car insurance companies out there. Shop with confidence. You’re in the driver’s seat.

Top 20 Auto Insurance Carriers Accessibility Strength Customer Satisfaction
Travelers 5 Stars 5 Stars 5 Stars
Acuity Insurance 5 Stars 5 Stars 4 Stars
Erie Insurance 5 Stars 4 Stars 4 Stars
Grange Insurance 5 Stars 5 Stars 4 Stars
Nationwide Insurance 5 Stars 5 Stars 4 Stars
Central Insurance Companies 5 Stars 5 Stars 3 Stars
Farmers Insurance 5 Stars 3 Stars 5 Stars
NYCM Insurance 5 Stars 5 Stars 3 Stars
Progressive Insurance 5 Stars 5 Stars 3 Stars
American Modern Insurance Group 5 Stars 4 Stars 3 Stars
Amica 5 Stars 4 Stars 4 Stars
The Hartford Insurance 5 Stars 5 Stars 2 Stars
Liberty Mutual Insurance 5 Stars 5 Stars 5 Stars
West Bend Mutual Insurance Company 4 Stars 5 Stars 3 Stars
Shelter Insurance 5 Stars 3 Stars 4 Stars
Donegal Insurance Group 3 Stars 5 Stars 3 Stars
EMC Insurance Companies 3 Stars 5 Stars 3 Stars
Hanover Insurance Group 3 Stars 5 Stars 3 Stars

How the Score Works

We wanted to develop a score that reflects what you, the consumer, are looking for. You want a company that’s easy to talk to, keeps their promises and values their customers. That’s why we ranked over 200 companies in each of these areas:

  • Accessibility measures how easy each company is to work with. Companies with 24/7 claims reporting, a strong social media presence, and extended hours (beyond the boring old 9-to-5) scored higher.
  • Strength measures whether or not a company trusts its reputation to speak for itself. Companies who work with independent agents (putting themselves up against fair competition), have high financial security ratings and have spent more than 20 years in business rank higher.
  • Service measures how happy the company’s customers are with their service. We aggregated rankings from around the web to get a snapshot of which companies are going above and beyond.

We’re not swayed by advertising dollars or under-the-table PR conversations. All of the information we used is publicly available on the internet. We just went to the trouble of putting it in one place for you, so you can use it to make smart decisions about your car insurance.

What the Score Means

We wanted to recognize the companies going above and beyond, not just the ones failing to meet the mark. 5 points (stars) are possible in each area, for a total of 15 points. Here’s what each rating means in each area:

  • 1 star: Average
  • 2 stars: Above Average
  • 3 stars: Excellent
  • 4 stars: Superior
  • 5 stars: Perfect! This company earns the Trusted Choice Seal of Awesomeness.

Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Get to Know Our Top 20 Car Insurance Companies

1. Travelers

Travelers was the only company in our rankings to earn a perfect 5-5-5 score in the car, home and business insurance categories, easily nabbing them the top spot. Travelers has one of the best websites in the biz, a spectacular reputation for customer service and rock-solid financial strength. 

They even have an A++ rating from AM Best, the highest possible ranking. All that and they choose to sell their products exclusively through independent insurance agents. 

That shows that they trust their product to stand head and shoulders above the competition without them having to rig the game with their own proprietary sales reps.

Travelers was founded in 1853, making them one of the oldest companies on this list. They’re also one of the largest: they offer insurance in 5 countries and have over 30,000 employees dedicated to serving you. 

2. Acuity

Acuity got one of two number-two runner-up spots because of their near-perfect 5-5-4 score. We loved how easy it was to access important information on their site as well as their 24/7 claims reporting. 

Acuity has an A+ rating from AM Best, one of the strongest ratings available. Their products are exclusively available through independent insurance agents. 

Part of what we love about Acuity is their easy-to-understand discount programs. For car insurance shoppers, they offer a super-sized car insurance discount through their Road and Residence program: bundle your car and home insurance together with Acuity and save up to 20% on both.

3. Erie Insurance

We chose Erie for our two-way-tied runner-up spot because of the truly spectacular service, access and stability that they offer their customers. 

Their website was particularly impressive: in addition to offering online quotes, their services for existing customers were also easy to find, including 24/7 claims reporting, a car repair shop locator and online payments. They also have extensive evening and weekend customer service hours. 

They have an exceptional A+ rating from AM Best, the insurance industry’s credit rating agency. That makes them a safe bet for your life insurance.

Erie Insurance was founded in back in 1925 with the explicit mission of providing great customer service to Pennsylvanians. Today they’re a Fortune 500 company offering car, life, business and home insurance through thousands of independent agents nationwide. 

Erie offers a wide variety of insurance products, so they’re a great choice if you’re looking to bundle multiple types of insurance (like home and car) at a discount.

4. Grange Insurance

Also tied for runner up is Grange Insurance. Grange’s 24/7 support makes them a great choice if you have a busy schedule. Grange offers a wide range of personalized coverage options. 

If mixing and matching coverages like underinsured motorist, pet injury and even boat or motorcycle insurance in with your car insurance appeals to you, they’ve got you covered. 

If you need a little extra guidance, they also have a regularly updated blog about insurance topics and current events. They have a strong A- rating from AM Best.

Grange Insurance was founded in 1935 to provide affordable car insurance to farmers. Now they offer those savings to people across all professions in 13 states. They work exclusively with expert independent insurance agents to provide auto, home, business and life coverage.

5. Nationwide

Nationwide is yet another practically perfect 5-5-4 runner up. Their superior online services, size, stability and choice to work with independent insurance agents pushed them close to the top of our rankings. Nationwide is especially good if you’re looking for car insurance discounts, with potential savings clearly spelled out on their site. 

(Advertised discounts include ones for good students and for taking defensive driving courses.) Like Grange and Erie, their size and range of products lets you mix and match coverage for maximum discounts and benefits for you. They’re rated A+ by AM Best.

If you or your family speaks Spanish as a first language, Nationwide is one of the only insurers on this list that offers a fully bilingual website. That makes it easier to get covered and file a claim, especially in the aftermath of an accident.

6. Allstate

Allstate is another United States insurance giant. We picked them for a high-ranking spot because, despite their enormous size (79,000 staff and independent insurance agents), their customer service has stayed personal and user-friendly. 

They offer 24/7 customer support by phone and online portal, and you can even download an app to manage your insurance on the go. Their website is also fully available in Spanish. Allstate is rated A+ by AM Best, one of the highest ratings available.

Allstate was founded in 1931. Today they offer a massive variety of products to choose from, including condo, motorcycle and renters insurance as well as car insurance. 

For those who like to DIY, their website is full of useful tools, including car insurance discounts checklist, rate comparison tool and a step-by-step guide to getting covered. Allstate’s website will leave you feeling like an empowered customer (even if you don’t ultimately choose their product).

7. Central Insurance Companies

Central Insurance Companies is one of our top choices because of their stellar customer service and commitment to working with independent insurance agents. 

They offer 24/7 claims reporting on top of already-extended customer service hours (8 a.m. – 7:30 p.m. every day, including weekends). They’re also extremely stable: they’ve been around since 1876 and today have an A rating from AM Best.

Central Insurance Companies has some of the most comprehensive car insurance options out there. Coverage options include worldwide rental car, loan gap and towing coverage. That’s all on top of the normal benefits of vanilla car insurance.

8. NYCM Insurance

We loved NYCM’s 24/7 claim service, online bill pay and other nifty website features. Their commitment to independent insurance agents and A rating from AM Best didn’t hurt, either. 

That’s why we placed them in our top 10 car insurance companies. NYCM is a great choice if you’re looking for easy-to-understand car insurance discounts, since they’ve got a handy discount checklist on their website.

Founded in 1899 in New York and still employing only about 800 people, NYCM Insurance is a smaller, more regional company than most on this list. Their high-ranking spot shows that they’re punching way above their weight to deliver excellent service and value to their customers.

9. Progressive

One of the most recognizable insurance companies in America, Progressive landed on our list because of their top-notch AM Best rating (A+) and their 24/7 service. 

Progressive is known for exceptionally speedy claims service and their willingness to provide insurance to just about everyone, even if you’ve had trouble getting insured elsewhere. They work with independent insurance agents to help you get the coverage you need.

Progressive started insuring cars in 1937. Today they also offer home, business and life insurance along with a variety of niche products. If you enjoy camping and off-roading, consider bundling your car insurance in with Progressive’s RV, ATV and snowmobile policies.

10. American Modern Insurance Group

We chose American Modern Insurance Group to round out our top 10 because of their streamlined website, convenient evening customer service hours and excellent A+ rating from AM Best. American Modern Insurance Group is a specialty insurance company that works through a network of independent insurance agents. 

They specialize in taking on vehicles other insurers won’t touch, including collector cars and snowmobiles. They’re rated A+ by AM Best. 

American Modern Insurance Group was founded in 1965 as one of the first companies in the United States to specialize in the mobile home market. Today they offer additional specialty policies to cover golf carts, yachts, ATVs and more.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

11. The Hartford

We loved The Hartford’s superior financial strength as well as their 24/7 support and easy-to-navigate website and informational materials. They’re rated A+ by AM Best. 

The Hartford insures cars, homes and business. They’re the only insurance company endorsed by the AARP. If you’re an AARP member, it’s worth checking with The Hartford for special deals and discounts first.

The Hartford was founded in 1810 as a fire insurance company, making them the oldest company on this list. They even insured President Lincoln’s home in Illinois while he moved into the White House in 1861. 

In addition to being a fun fact, The Hartford’s long history reflects their stability and excellent reputation.

12. Liberty Mutual

Liberty Mutual ranks high on our list because of their financial strength and user-friendly tools. They’re the third largest property and casualty insurance company in the United States. (Property and casualty is the kind of insurance regular people buy—stuff like car, home and life.) 

That means that they’re a Fortune 68 company with about 50,000 employees worldwide. Luckily, their website isn’t nearly as intimidating as those numbers might suggest. 

They offer easy online quotes and clearly spell out what each type of policy will or won’t get you on their life insurance homepage. Liberty Mutual is rated A by AM Best.

Advantages of picking Liberty Mutual for your car insurance include a generous good driver policy—up to 30% off—and a 12-month rate guarantee.

13. West Bend Mutual Insurance Company

West Bend (also known as Silver Lining) is a regional insurance company with a century-plus long history, great customer service, an A+ rating from AM Best and a whole lot more to be proud of. 

The features we loved the most included 24/7 claims reporting, a claims reporting guide to make the process as easy as possible and online bill pay. West Bend works with independent insurance agents to get you covered.

One great option West Bend offers for drivers is a Home and Highway plan. This rolls your car and home into one package, also covering detached buildings like a garage or shed that are often excluded from traditional home policies to give your car protection even when it’s parked at home.

14. Donegal Insurance Group

We picked Donegal Insurance Group for their strength and stability over their long history (since 1889!). Donegal is a regional insurance company that offers insurance for everyone, with special policies available for farmers. 

Donegal Insurance Group works with independent insurance agents and has an A rating from AM Best.

Donegal Insurance Group offers car insurance discounts for car safety features like airbags and anti-lock brakes, drivers ed classes and even carpooling.

15. Hanover Insurance Group

We selected Hanover Insurance Group (also called The Hanover) for our top 20 because of their stability and excellent reputation. Founded in 1852, The Hanover is one of the top 40 oldest companies on the New York Stock Exchange. They partner with over 2000 independent agents and have an A rating from AM Best.

In addition to basic car insurance coverage, The Hanover offers optional (but useful!) add-ons like roadside assistance and medical payments coverage in case of an accident.

16. MMG Insurance

MMG Insurance (which stands for Maine Mutual Group) is a regional company that sells their coverage through independent insurance agents in Maine, New Hampshire, Vermont, Pennsylvania and Virginia. 

They specialize in property insurance. We loved their 24/7 claims support and excellent customer service ratings, including an A+ from the Better Business Bureau. MMG Insurance is rated A by AM Best.

MMG Insurance was founded in 1897. They are consistently ranked highly by industry publications and awards in America’s Northeast region, including being named Company of the Year by the Maine Insurance Agents Association multiple years in a row and the 2015 Company of the Year by the National Association of Professional Insurance Agents. 

17. Mutual of Enumclaw Insurance Company

Mutual of Enumclaw is a mutual insurance company serving the Northwest region of the United States, including Washington, Idaho, Oregon and Utah. 

Their beautiful and easy-to-navigate website (one of our favorites out of over 200 companies we researched) nabbed them a top spot,  along with their 24/7 claims center and commitment to working with independent insurance agents. They received an A- rating from AM Best.

Car insurance through Mutual of Enumclaw includes access to their teenSMART program, a driver safety course that can net you and your teen big discounts on your insurance up to age 21. 

Mutual of Enumclaw customers also receive plenty of perks at local theme parks, restaurants and other attractions. Because Mutual of Enumclaw is a mutual organization, policyholders are the biggest beneficiaries of the company’s success—not stockholders.

18. Ohio Mutual Insurance Group

We loved Ohio Mutual Insurance Group’s strong financial track record and 24/7 online insurance portal, 360access. They’re a mutual organization with over 100 years of history in Ohio. Today they operate in 7 states. They work exclusively with independent insurance agents and have an A rating from AM Best.

Car insurance discounts available to Ohio Mutual customers include ones for good drivers, seniors who have completed an approved safety course and antilock brakes.

19. Union Mutual of Vermont Companies

Union Mutual of Vermont (also called Union Mutual) earned a top spot on the strength of their excellent financial track record and the ease of accessing their services. 

Union Mutual partners with independent insurance agents to find the right coverage for you. They have a stellar A+ rating from AM Best and a history dating back to 1827.

Union Mutual is a regional company whose products are available throughout New England and New York. 

20. Alfa

Alfa is a regional company serving a smaller, cozier group of customers. We chose it for this list because of its financial stability and easy-to-use website. Quotes, customer service and claims reporting are all available online. 

Alfa offers auto, home, business, life and other insurance policies to over one million customers in 11 states. They offer term and permanent life insurance as well as annuities. Alfa has an A rating from AM Best.

Alfa began as an outgrowth of the Alabama Farmers Federation. Today you no longer need to be a member of Alabama Farmers to qualify for Alfa insurance, but the two are still closely linked. They have a number of special insurance products designed for farmers.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

The Benefits of an Independent Agent

Independent insurance agents  are here for YOU, just like we are. They’re rogue do-gooders: not bound by any one company, they can help you find the right car insurance match, no matter what company provides it. Shop smart. Go indie. Sweet.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn