The Highest Rated Car Insurance Companies [2020]

The highest-rated car insurance companies in the US are (1) Amica Mutual, (2) Erie, (3) Shelter, (4) Auto-Owners, and (5) Ameriprise.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 1, 2020

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Here's what you need to know...

  • When buying car insurance, you want to make sure the company you choose is reputable.
  • Amica Mutual was rated five starts on JD Power. They excel in customer service, payment options, and overall customer satisfaction levels are high
  • Erie Insurance is only available in Indiana, Ohio, Pennsylvania, New York, Wisconsin, Maryland, Virginia, West Virginia, Tennessee, North Carolina and the District of Columbia

When purchasing car insurance, you want to get a reputable company. Making the right decision now will help you avoid a great deal of frustration if you should ever have to file a claim for damages or an accident.

Here are the top rated companies in the United States, along with some information about what makes them such a great choice.

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Amica Mutual

The only company awarded five stars in all categories by JD Power, Amica Mutual excels in all areas. Customers report being pleased with the service, they have extensive policy offering, easy billings, and payment options, the company is easy to contact and the prices are superior.

Established in 1907, Amica offers insurance services in every state except Hawaii, making them an excellent choice for people who move around frequently or just like to travel the country.

Their current rating with A.M. Best is a solid A++, and they have received awards for “Highest in Customer Satisfaction among National Auto Insurers” from JD Power for twelve years in a row.

They offer personal service with representatives who are easy to reach. They also have several different billing options available, making it easy to stay current on the insurance premiums.

To get more detailed information on Amica Mutual head over to our Amica car insurance review.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Erie Insurance

This little-known company gets five stars from JD Power for ease of contact and pricing. In the areas of billing, options and customer service, they receive high marks with four stars.

A growing company, Erie Insurance is currently available in 11 states. They offer their services in Illinois, Indiana, Ohio, Pennsylvania, New York, Wisconsin, Maryland, Virginia, West Virginia, Tennessee, North Carolina and the District of Columbia.

Founded in 1925, they offer several different discounts designed to help you save money on your insurance premiums. 

Extended hours for their claims department makes it easier to file claims, and their emergency auto claims adjustors are available 24 hours a day.

In order to get the most affordable car insurance from Erie, you might need to know the list of Erie discounts for car insurance.

Shelter

Another highly rated company, Shelter insurance receives four stars for ease of contact, customer service, offerings, and prices. Their billing and payment options receive a very respectable three stars.

The company was founded in 1946, and they have continued to grow over the years by adding to their available services.

They are not yet nationwide, but they are available in Nevada, Colorado, Nebraska, Kansas, Oklahoma, Louisiana, Mississippi, Tennessee, Kentucky, Indiana, Illinois, Arkansas, Missouri, and Iowa.

They provide the standard coverage options you need, as well as a few extras like GAP insurance and loss-of-use coverage to provide you with a single payment when your car has to spend time in the shop after a loss.

Several discounts are also in place to help their customers save on the premiums.

Auto-Owners Insurance

Another company with high ratings from JD Power is Auto-Owners. They have four-star ratings for their customer service, policy offering, prices and ease of contact. Their rating for billing and payments is three stars.

They provide insurance coverage in 26 states along the Eastern seaboard and throughout the Midwest. Auto-Owners offers life, home, car and business insurance.

Their products are sold strictly through independent agents, but you can find an agent near you by visiting their website online. They have several discounts and an impressive selection of services designed to save customers money.

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Ameriprise

This insurance company also has excellent ratings with JD Power. They are rated with five stars for their fantastic pricing.

Their overall customer satisfaction and payment options are rated at four stars, and the ease of contact and policy offerings both received three stars.

Offering home, life, and auto insurance, this company can also assist you with your long-term care insurance and disability insurance needs. They also offer umbrella insurance, coverage for motorcycles and recreational vehicle insurance.

Big Name Companies

There are other companies that are household names. Progressive, Nationwide, Liberty Mutual State Farm and Geico all advertise heavily and are readily recognized. However, none of these companies actually rated five stars in any one area.

They all enjoy solid ratings of three and four stars across all areas. This solid rating combined with nationwide service and a strong history make any one of these companies an excellent choice.

Choose a company that is solid financially and has a proven commitment to customer service. Taking the time to shop for a great company will ensure that you are truly protected when tragedy strikes and you need your insurance company the most.

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References:

  1. https://www.jdpower.com/
  2. https://www.ambest.com/
  3. https://www.erieinsurance.com/
  4. https://www.shelterinsurance.com/
  5. https://en.wikipedia.org/wiki/GAP_insurance

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