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Every driver on the road today wants to know whether or not they’re getting the best deal on their auto insurance policy. But it’s really hard to know for sure, because it would require a lot of thorough research on your part. And most people don’t have any time in their busy schedule to sit down and do that research. But we here at AIEZ do, and we did. Below is a rundown of the best auto insurance companies in 2017 according to the most authoritative, unbiased sources our crack research team could find. Take a look and see whether or not your provider made our list.
As of this writing, it’s almost the end of the year. So with Christmas right around the corner, it’s important to find out which insurance companies made Santa’s “nice” list during the 2017 calendar year. Here’s our breakdown:
|Criteria||1st Place||2nd Place||3rd Place|
|Purchasing Insurance||Erie||USAA||American Family|
|Using Insurance||Amica||Auto-Owners Insurance||Erie Insurance|
The providers in the chart above, according to JD Power and Associates ranking standards, scored at least 4 out of 5 stars in the following categories:
But we would be remiss if we fail to mention a few things that the JD Power study left out. For starters, USAA and NJM Insurance Company also ranked highly with regard to claim servicing and satisfaction; but, unfortunately, these companies are not open to all US residents, so they could not be officially ranked. Furthermore, Reviews.com gave the Hartford Insurance Company their first place award for 2017, with Nationwide as a close runner-up. Reviews.com rated their top picks according to financial solvency, claims processing, coverage options, discounts, and customer support. Unlike the JD Power report, though, Reviews.com did not give much weight to price; so although the Hartford and Nationwide received the most glowing reviews from this particular source, their affordability may be outside of some customers’ budgets.
While Reviews.com focused on the positives and only cutting those providers who weren’t the cream of the crop, JD Power included over 20 companies per list. These are the providers who fell to the bottom of the ratings agency’s criteria:
|Purchasing Insurance||Using Insurance|
|#20 Progressive||#24 Mercury|
|#21 21st Century||#25 COUNTRY Financial|
|#22 Auto Club if Southern California Insurance Group||#26 Safeco|
There are a few things we’d like to make crystal clear in order to be fair to the companies that are listed in the chart above. For one, ranking 20th out of the thousands of insurance providers all over the country is nothing to sneeze at. Secondly, even though these companies ranked towards the bottom of the list, some still had three and even four stars in one or more of the criteria evaluated for each list. So if you’re currently insured with any of the providers in the chart above, it doesn’t mean you have a bad insurance company and that you should switch immediately. What it means is that now is a great time for you to start shopping around and seeing if there are any better deals out there.
Of course, the ratings above are biased on a national inventory of the United States’ major insurance providers. But insurance companies, their rules and regulations, and the products and services they offer their customers vary considerably from state-to-state. When you to break the rankings down by region, things start to look a little different. Based on policy offerings, price, billing process and policy information, interaction, claims, and overall satisfaction, here’s how the major insurance companies ranked in specific regions across the US:
In the central part of the United States, Auto-Owners Insurance and USAA all got a perfect 5 stars in each category. Geico came in third with perfect scores in price and billing process, but they only got 2 out of 5 stars for their customer service.
In the Mid-Atlantic region, the Hartford was awarded the number one spot despite the fact that they only scored 3 out of 5 stars in customer service and claims processing. USAA and NJM insurance Co all got 5 stars in every category, but may have been ranked lower due to their limited availability.
In the New England states, Amica Mutual and USAA both got perfect scores in all six categories that were evaluated by JD and Power. The Hartford also scored very well, with 4 out of 5 stars in every category.
Auto Owners insurance also scored the first place victory in the north central United States, but did not rank as well in price or claims processing as it does in the central United States. USA once again had a perfect score in all categories, with Cincinnati Insurance pulling up a close third.
In the Northwest, Pemco Insurance took the first place trophy with a perfect score in all categories. USAA was a close second with a nearly perfect score itself, and the Hartford rounded out the top three with at least four of the five stars in every category except for claim service processing.
As far as insurance company winners, there are a couple of familiar faces in the southeast. USAA and Auto-Owners Insurance each earned 2nd and 3rd place, respectively, with USAA earning a perfect score and auto owners getting at least 4 to 5 stars in every category except for billing process and policy information. A local favorite, Farm Bureau Insurance Tennessee, had five stars in every category except for claims processing.
In the United States Southwest, we have the Hartford and USA once again coming in at the top, with the first appearance of Allstate on any of the JD Power lists ranking in third. It should be noted however that the Hartford only received 2 out of 5 stars with regard to claims processing, and Allstate got only 3 out of 5 stars in every single category except for price; in that category, they only scored two out of five stars.
Some states in the US are so large and so populous that they qualify as their own unique Insurance Market region. JD Power singled out these specific States for their own independent review. We’ve summarized the results below.
Esurance makes its inaugural appearance on the 2017 Insurance rankings at number one within the state of California. USAA and the Hartford, predictably, followed Esurance in 2nd and 3rd place, respectively. Esurance got perfect scores in overall satisfaction and policy offerings, and 4 out of 5 stars in the remaining categories.
Drivers in the Sunshine State are also fans of Auto-Owners Insurance. They were awarded five stars in all categories, with the exception of claims processing. USA received yet another perfect score in second place, followed by 21st century Hooper Donnelly scoring 3 out of 5 stars in all but one category. They received a rating of 4 out of 5 stars for claims processing.
The Hartford and USA seem to be dominating the 2017 insurance ranking lists. Both companies scored 5 out of 5 stars in all of the evaluated categories according to New York drivers. A home town hero, New York Central Mutual, is close on their heels with a perfect score in price and customer satisfaction. They had near-perfect scores in overall satisfaction and billing process and policy information; however, the company earned average scores with regard to policy offerings and their claims process.
It appears that someone at the Texas Farm Bureau decided to threaten the other insurance companies with the state mantra: “Don’t mess with Texas”. This insurance company was number one in the state with a perfect score in every category except for price; they only received four stars in that category. USAA came in second with a perfect 5 Stars across the board, while – surprisingly – the Auto Club of Southern California Insurance Group came in third. They received perfect scores in policy offerings and price; a “better than most” rating for overall satisfaction, and an average rating for billing process and customer service interaction. Their claims processing only received 2 out of 5 stars.
Given all of the information above, you should have a pretty good idea by now of which insurance providers near you are outperforming the competition. But keep in mind that these rankings are based on several different factors, such as price, customer service, claims processing, and more. The factors that give one company a better rating over another may not be the same factors that are important to you and your family. That’s why it’s a good idea to take the information on this page and use it as a helpful guide, as opposed to gospel truth, in order to find the insurance company that’s right for you. And we can help you start your search if you enter your ZIP code into the comparison tool on our page.