Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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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. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Oct 20, 2021

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Drivers tend to spend a little bit of their time researching insurers when they’re seeking insurance service. When it comes to doing your insurance homework, you want to focus on a few things; how much your premium is going to cost should be one of them but not the only focal point. What makes a company successful is their ability to respond to claims, no matter what they for. This means that they need to have a good understanding of what quality of service means.

You should also pay attention to what discounts they offer, as well as the types of coverage they provide. But the quality of customer service is going to be a direct road to your other concerns. When a company is powered by excellent customer service, claims will be dealt with efficiently and correctly, and you’ll be sure to be given accurate information.

As a consumer looking for an auto insurance policy, you’re going to have particular facets of a company you focus on, which is a good thing. It means you may end up looking at not only the major insurers, but the small named businesses as well. No matter what company you end up with, just be sure to pay close attention to how they treat their customers.

That being said, we’re going to take a look at the top rated auto insurance companies in the United States, and what makes them high on the charts. This could be anything, from affordable coverage, to providing quality customer service. But as mentioned above, we’re focusing on a customer satisfaction index rating. Customer satisfaction ratings are incredibly important to any business,  because they can make or break a company.

Starting with Amica Mutual, which was rated the top auto insurance provider in the United States for the 10th consecutive year, according to a customer satisfaction survey from J.D. Power.

The company scored 851 points out of a possible 1,000, and was followed closely by State Farm (831), Shelter (828), Auto-Owners (825), and Erie Insurance (823).

Notables like the Automobile Club of Southern California (813) and GEICO (806) scored above the industry average of 801, but other big names like Farmers (797), Progressive (796), and Allstate (794) did not.

AIG was the worst auto insurance company in terms of customer satisfaction, scoring just 719, with its closet competitor being GMAC (751).

[Also see: Top market of U.S. auto insurers]

Overall, auto insurance customer satisfaction reached a five-year high in 2009, largely because auto insurance premiums have decreased.

In 2009, 42% of customers said their auto insurance premiums decreased without the need to switch to another insurer, nearly twice the rate seen in 2008.

Direct insurers are also winning out over traditionally more favorable independent agents, as better technology and greater hours of operation (and interactive websites) have given them the edge.

One key behavior that tends to lower dissatisfaction and has an impact on customer satisfaction is engaging customers when speaking about rate increases and discussing ways to mitigate any price changes (how to lower your auto insurance rate). When an agent offers competitive rates and a wide variety of discounts, chances are they’re going to have happier customers.

All that said, take a look at the top auto insurance companies in the United States, and also the worst. Remember to do your own research and find the average rates on the market, to ensure you’re getting the best deal. This also means looking into the wide range of companies that didn’t even make this list, and who may never do so. Sometimes the most affordable rates come from the insurers who aren’t able to capitalize on advertising.

What are the top auto insurance companies in the United States?

top auto

Related: Amica Mutual review.