Who are the best auto insurance companies?
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UPDATED: Oct 14, 2021
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Insurance company rating providers such as J.D. Power and Associates and A.M. Best compile ratings every year on auto insurance providers to help consumers choose an insurance company that meets their needs. Ratings from companies such as these were reviewed to find the top three rated companies in the car insurance industry.
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Searching for an auto insurance provider can be a daunting task. Whether you are a new car owner or switching companies to find a better rate there are so many providers to choose from. It is hard to know which one will provide you with a decent insurance rate plus complete coverage and customer support in a friendly and efficient manner when you need it.
Auto Insurance Company Ratings Providers
Ratings providers in the car insurance industry compile a variety of information on auto insurance companies to help consumers make an informed decision when shopping for an insurance provider. J.D. Power and Associates, rates companies on their policy offerings, pricing, billing and payment ease, communication with the insurer, and overall customer satisfaction.
Each year consumers can find up-to-date information for the previous calendar year about leading auto insurance companies.
A.M. Best is another type of ratings provider. By visiting its website, consumers can find out how financially stable an insurance company is based on ratings that range from A++ (superior) to D (very poor). These ratings indicate how likely an insurer is to meet its financial obligations.
Ratings from these providers and other similar independent companies have been reviewed to find the best-rated car insurance companies at the current time. Three companies come out on top in just about all ratings.
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USAA Casualty Insurance Company
USAA Casualty, a company founded in 1922 and based in San Antonio, Texas, provides a variety of insurance services, including auto insurance, to military veterans and their families all over the country. USAA auto insurance is provided at greatly discounted rates. USAA is rated among the best in all areas according to J.D. Power and Associates. A.M. Best gives USAA its top rating of A++.
Besides discounted car insurance rates in general, USAA offers additional discounts including, loyal member discounts, safe driver discounts, good student discounts, and lower rates for those who drive a minimal amount of miles per year. Policyholders hold the company’s stock and surplus dividends are returned to customers in the form of a check or money off the next year’s premium.
Amica Mutual Insurance Company
Amica Mutual Insurance Company was established in 1907 and is based in Providence, Rhode Island. J.D. Power and Associates has rated Amica Mutual the top car insurance company for the past two years due to its excellent customer service policies and flexible plans offered. A.M. Best also gives Amica Mutual its highest rating of A++.
Amica Mutual Insurance Company is licensed to sell policies in all fifty states plus Washington D.C. The company offers several auto insurance packages for customers to choose from based on their level of need and budget. Their top plan is called Platinum Choice and offers, not only comprehensive auto insurance coverage with all of the optional extras included, but Identity Fraud Monitoring, Full Glass Coverage, and Rental Coverage.
New Jersey Manufacturer’s Insurance Company
New Jersey Manufacturer’s Insurance Company rounds out the list of the top three best auto insurance companies based on current ratings. A.M. Best also rated New Jersey Manufacturer’s A++ for financial stability and J.D. Power and Associates gave among the best marks in most areas.
New Jersey Manufacturers is similar to USAA in that its stock is held by policyholders and surplus dividends result in money back for customers at the end of the year. Unfortunately, NJM Insurance is not available to everyone. To qualify to apply for a policy you must reside in New Jersey or Pennsylvania and work for either the State of New Jersey or an employer that is a member of the New Jersey Business and Industry Association. Spouses of those who meet these requirements can also be covered.
When you plan to buy an auto insurance policy, it is important to do your research to find the company that will meet your needs, give you a good deal, and provide the services you may require.
The three companies discussed in this article are three of the top-rated car insurance companies you will find. You may want to search for others in your local area that also meet your needs.
Begin your search now by entering your ZIP code into our FREE tool to get rate quotes from several car insurance providers!