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The Top Car Insurance Companies

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Here's what you need to know...
  • There are six auto insurance companies we consider to be at the top
  • While Amica is the oldest auto insurance provider in the U.S., State Farm gets noted as being the biggest auto insurer in the U.S. and Canada
  • A number of auto insurance rating companies are available to consult when considering an auto insurance company

For the purposes of this article, we are going define the top auto insurance companies by their overall market share and customer satisfaction rating.

This information was gathered from A.M. Best Company, The National Association of Insurance Commissioners (NAIC), JD Power and Associates, and the Better Business Bureau.

While State Farm seems to have the largest market share of the auto insurance market, nearly 18 percent, Amica seemed to get high ratings from both J.D. Powers and Associates and the BBB.

The companies we will be reviewing are:

  • Statefarm
  • Amica
  • Dairyland Auto
  • USAA
  • Auto-Owners Insurance
  • American Family

Read more to learn more about these car insurance companies and what they have to offer.

Just enter your ZIP code above to get online car insurance quotes right now!

State Farm

While State Farm’s automotive division reported over $32 billion in premiums earned in 2010, they only had a net income gain of $570 million.

Although the biggest player in the auto insurance arena, State Farm will still take on high-risk drivers with less than perfect driving records.

While Amica is the oldest auto insurance provider in the U.S., State Farm gets noted as being the biggest auto insurer in the United States and Canada.

Compared to many of the other large insurance providers, State Farms receives more and consistently higher marks for insurance claims and customer service.

State Farm has local agents, and so you receive more personalized attention than you do with Amica.

The NAIC analyzed the complaints filed with state insurance regulators and concluded that State Farm was at fault for denying claims unfairly at a rate far lower than the average insurance company.

Amica

This may not be a household name because of their lack of advertising, but Amica is recognized by many as a top rated auto insurance provider. Amica began from humble beginnings in 1907 and is the oldest auto insurer in the United States today.

For over a decade, its clients deemed them to be one of the top auto insurance companies in regards to customer satisfaction (as noted by J.D. Power). High marks are also found in regards to claims, customer service, and pricing.

When turning to the Better Business Bureau for insight into this provider, Amica is awarded an A+ rating and is an accredited business.

When you look across the U.S., on the whole, you will find not nearly as many consumer complaints are upheld against Amica compared to any other car insurance provider in the nation, according to the National Association of Insurance Commissioners (NAIC).

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Dairyland Auto

If you have a less-than-stellar driving record, you may wish to seek out a more specialized agency that deals with high-risk drivers.

Dairyland Auto, a subsidiary of Sentry Insurance specializes in drivers who are in a higher-risk category.

Weiss Ratings has it listed as one of the financially solid automotive insurance providers in the nation.

USAA

Those who are in the armed services should without a doubt look into the United Services Automobile Association or USAA. The clients of USAA are delighted with the pricing, claim and customer service provided by this carrier.

J.D. Power and Associates rank them very high in these areas as well. The company is very strong financially, scoring the highest levels in the following five independent financial rating services:

  • Fitch Ratings
  • Moody’s
  • A.M. Best
  • Standard & Poor’s
  • Weiss

Their complaints are equal to or better than the average auto insurance provider as well.

Auto-Owners Insurance

Since 1916, this company has been insuring cars and according to the Weiss Ratings’ list is a financial goliath in regards to its strength in the automotive insurance business sector. While not a nationwide company, Auto-Owners policies are available in over half the U.S. states.

The BBB rates it as an A+ accredited business.

Auto-Owners has a great reputation for being very diligent in paying their claims in a timely manner.

American Family

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As one of the United States’ top ten biggest car insurance companies, American Family holds its own in regards to customer reviews and complaints.

In regards to customer complaints, the BBB gives it a very high mark of A+ for handling these issues in a fair, prompt, and above board manner.

Individuals in higher tax brackets seem to think highly of American Family insurance and rate the company well year after year.

According to J.D. Power and Associates, the company does an excellent job in handling claims expeditiously and paying out quickly.

It’s a financially strong and stable company and ranks above the national average in regards to not being at fault in regards to customer complaints put before them.

Other Top Auto Insurance Companies on the List

Other big players in the auto insurance industry are:

These four companies, combined, capture a little over 30 percent of the car insurance market.

While they have their detractors and supporters, the above agencies had a bit better customer rating compared to these four.

In the end, you need to do your research, ask your friends, and find what company suits you best.

Just enter your ZIP code below to get online car insurance quotes right now!

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