Are you like most shoppers? You want a fair price, a high-quality product and good service. If so, read on for a list of the 25 Best Car Insurance Companies in the U.S..
As a complement to our 25-best companies list, ValChoice now publishes the five best car insurance companies in every state. Click the button below to check out the five best car insurance companies in your state.
What is the best car insurance?
We define “best” as the companies that offer high-quality protection and service for a fair price. To find the best car insurance companies we analyzed 168 parent companies that sell car insurance. These companies include all the large brand names with billion dollar advertising budgets as well as small companies serving local or regional markets. In total, this group of 168 parent companies was made up of nearly 1,000 companies that sell car insurance. We analyze every single one of those companies.
25 Best Car Insurance Companies
Below is a list of the best companies, ranked from one to 25. With each is a list of states where they sell auto insurance.
Bear River Mutual – Headquartered in Murray, UT, Bear River Mutual serves the Utah market through a network of independent agents.
Texas Farm Bureau – Headquartered in Waco, Texas, the company serves the Texas market through a network of captive agents.
Kentucky Farm Bureau – Headquartered in Louisville, Kentucky, the company serves the Kentucky market through a network of captive agents.
Farm Bureau of Idaho – Headquartered in Pocatello, Idaho, the company serves the Idaho market through a network of captive agents.
NJM Insurance – Headquartered in West Trenton, New Jersey, the company serves the New Jersey and Pennsylvania market through a direct to consumer model.
Pekin Insurance – Headquartered in Pekin, Illinois, the company serves customers throughout Arizona, Illinois, Indiana, Iowa, Ohio and Wisconsin through a network of independent agents.
Grange Insurance Association – Headquartered in Seattle, Washington, the company serves customers throughout California, Colorado, Idaho, Oregon, Washington and Wyoming through a network of independent agents.
PEMCO Mutual Insurance – Headquartered in Seattle, Washington, the company serves customers in Oregon and Washington through a direct to consumer model.
Enumclaw Insurance – Headquartered in Enumclaw, Washington, the company serves customers in Arizona, Idaho, Montana, Oregon, Utah and Washington through a network of independent agents.
Missouri Farm Bureau – Headquartered in Jefferson City, Missouri, the company serves customers in Missouri through a network of captive agents.
COUNTRY Financial Property and Casualty – Headquartered in Bloomington, Illinois, the company serves customers in Alabama, Alaska, Arizona, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Maine, Minnesota, Missouri, Nevada, New Hampshire, New York, North Dakota, Oklahoma, Oregon, Rhode Island, Tennessee, Vermont, Washington and Wisconsin through a network of captive agents.
MMG Insurance Company – Headquartered in Presque Isle, Maine, the company serves customers in Maine, New Hampshire, Pennsylvania, Vermont and Virginia through a network of independent agents.
IMT Insurance – Headquartered in West Des Moines, Iowa, the company serves customers in Illinois, Iowa, Minnesota, Nebraska, South Dakota and Wisconsin through a network of independent agents.
Germania Mutual – Headquartered in Brenham, Texas, the company serves customers throughout Texas through a network of independent agents.
United Farm Bureau of Indiana – Headquartered in Indianapolis, Indiana, the company serves customers throughout Indiana through a network of captive agents.
The Cincinnati Insurance Companies – Headquartered in Cincinnati, Ohio, the company serves customers in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode, Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming through a network of independent agents.
Western Reserve Group – Headquartered in Wooster, Ohio, the company serves customers in Indiana and Ohio through a network of independent agents.
SECURA Insurance Company – Headquartered in Appleton, Wisconsin, the company serves customers in Arizona, Colorado, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Missouri, North Dakota and Wisconsin through a network of independent agents.
ACUITY Insurance – Headquartered in Sheboygan, Wisconsin, the company serves customers in Arizona, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Maine, Minnesota, Missouri, Montana, Nevada, New Mexico, North Dakota, Ohio, Pennsylvania, South Dakota, Tennessee, Utah, Vermont, Wisconsin and Wyoming through a network of independent agents.
Goodville Mutual – Headquartered in New Holland, Pennsylvania, the company serves c customers in Delaware, Illinois, Indiana, Kansas, Ohio, Oklahoma, Pennsylvania and Virginia.
Ohio Mutual Insurance – Headquartered in Bucyrus, Ohio, the company serves customers throughout the states of Connecticut, Maine, New Hampshire, Ohio, Rhode Island and Vermont through a network of captive agents.
Virginia Farm Bureau – Headquartered in Richmond, Virginia, the company serves customers throughout the state of Virginia through a network of captive agents.
Central Insurance Companies – Headquartered in Van Wert, Ohio, the company serves customers throughout the states of Arizona, Colorado, Connecticut, Georgia, Idaho, Illinois, Indiana, Kentucky, Michigan, New Hampshire, New Mexico, New York, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah and Virginia through a network of independent agents.
Preferred Mutual – Headquartered in New Berlin, NY, the company serves customers in the states of Massachusetts and New York through a network of independent agents.
PURE Insurance – Headquartered in White Plains, New York, the company serves customers throughout the states of Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming.
If Your Car Insurance Company Isn’t Listed Above, What Now?
You’re not alone if you buy insurance from just an average, or worse, company. The main reasons your company may not be listed above include: 1) they are either ranked somewhere between #25 and #168, or 2) it’s a small company that’s not large enough to make our list (there are a lot of really good small companies that sell car insurance). To find out how your company is graded, click the button below and get a free rating on any car insurance company. Remember, we grade approximately 1,000 auto insurance companies (every company in the industry). Guaranteed, we know your company.
Go to your state and get a comparison report showing how well your company rates, side-by-side, with one of the five best. Click this link to find the five best car insurance companies in your state.
Grading Methodology
ValChoice exclusively uses data collected by state insurance departments to analyze insurance companies. We never use less reliable methods such as user surveys or online reviews. Using high quality data allows us to determine which companies perform best at delivering the best claims handling and the best service all at a fair price.
The following criteria are preconditions for qualifying:
- A service grade placing them in the top 20% of the market.
- A claims handling score placing them in the top 20% of the market.
- Earned premium in 2018 of at least $50M in the auto insurance market.
- Parent company of a group of companies or a stand alone entity with no child companies.
- Sells to consumers either directly or through agents and has an active website promoting their products.
Importantly, carriers cannot pay us to improve their grade. Grades are based solely on their performance for consumers over a three-year period.
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