Finding the best insurance company can be hard with so many choices. This guide will show you the top insurance companies in 2025 based on new rankings and studies. We will use simple words so everyone can understand.
Table of Contents
Best Car Insurance Companies in 2025
#1 Travelers Insurance
Travelers is the top company in 2025 car insurance ratings for good reason. Here’s why they are number one:
Why Travelers is Great:
- Very good at handling claims fast
- Fair prices for most drivers
- Strong financial rating
- Good customer service
- Available in most states
Best For: Drivers who want reliable service and fair prices
#2 USAA (Military Only)
USAA topped customer satisfaction surveys with an overall score of 8.9 out of 10, nearly sweeping every category.
Why USAA is Amazing:
- Best customer service in America
- Very fair prices
- Great claims handling
- Available worldwide for military families
Important: Only for military members, veterans, and their families
#3 State Farm
Among carriers that offer nationwide coverage, State Farm scored the highest at 8.3/10, doing particularly well for claims and customer service.
Why State Farm is Popular:
- Biggest car insurance company in America
- Agents in almost every town
- Good prices for safe drivers
- Many discount options
- Easy to work with
Best For: People who want local agents and personal service
#4 American Family Insurance
American Family made NerdWallet’s list of best car insurance companies.
Why American Family is Good:
- Strong in Midwest states
- Good prices for families
- Many ways to save money
- Good online tools
Best For: Families in the Midwest
#5 Auto-Owners Insurance
Auto-Owners also made NerdWallet’s list of top companies.
Why Auto-Owners is Special:
- Very good at paying claims fairly
- Strong financial rating
- Good customer service
- Fair prices
Best For: People who want a stable, reliable company
Other Top Car Insurance Companies
Erie Insurance
Erie Insurance topped the Auto Insurance Shopping Study in 2025.
Good Things About Erie:
- Great customer service
- Fair prices
- Good claims handling
- Strong in certain states
GEICO
Why People Choose GEICO:
- Often has low prices
- Easy to buy online
- Good mobile app
- Fast claims service
Progressive
What Makes Progressive Good:
- Shows you prices from other companies
- Good technology and apps
- Many discount options
- Available everywhere
Allstate
Why Allstate is Trusted:
- Been around for almost 100 years
- Local agents available
- Many insurance products
- Good brand reputation
Best Health Insurance Companies in 2025
UnitedHealth Group
UnitedHealth Group maintains its position as the market leader with projected revenues of $450-455 billion.
Why UnitedHealth is #1:
- Biggest health insurance company
- Available in most areas
- Many plan options
- Good doctor networks
Elevance Health (formerly Anthem)
Elevance Health continues evolving their business models to address changing healthcare needs.
Good Things About Elevance:
- Strong in many states
- Good plan options
- Fair prices
- Good customer service
Centene Corporation
Why Centene is Growing:
- Good at serving low-income families
- Medicaid specialist
- Available in many states
- Fair prices
Cigna
What Makes Cigna Good:
- Strong employer plans
- Good international coverage
- Many plan types
- Good wellness programs
Humana
Why People Like Humana:
- Great Medicare plans
- Good for older adults
- Strong in certain states
- Good customer service
Best Home Insurance Companies in 2025
Amica Mutual Insurance
Amica placed in the top three in all categories of consumer surveys.
Why Amica is Great:
- Best customer service
- Fair claim payments
- Good prices
- Very reliable
USAA (Military Only)
USAA placed in the top three in all categories.
Why USAA Leads:
- Amazing customer service
- Fair prices
- Fast claims
- Only for military families
Auto-Owners Insurance
Auto-Owners placed among the top companies.
Good Things About Auto-Owners:
- Strong financial rating
- Fair claims handling
- Good customer service
- Reliable company
State Farm
Why State Farm is Popular:
- Local agents everywhere
- Bundle discounts with car insurance
- Good reputation
- Easy to work with
What Makes a Company “Top Rated”
Financial Strength
- Company has enough money to pay claims
- Gets good grades from rating agencies
- Been in business for many years
- Won’t go out of business
Customer Service
- Answers phone calls quickly
- Helps customers solve problems
- Treats people fairly and nicely
- Easy to reach when you need help
Claims Handling
- Pays claims quickly
- Doesn’t try to avoid paying
- Fair with claim amounts
- Makes the process easy
Price and Value
- Fair prices for the coverage
- Many ways to save money
- Good coverage for the cost
- No hidden fees
How Rankings Are Made
J.D. Power Studies
J.D. Power ranks auto insurance companies in three different studies: Auto Claims Satisfaction Study, Auto Insurance Shopping Study and the U.S. Auto Insurance Study.
What J.D. Power Looks At:
- How happy customers are
- How easy it is to buy insurance
- How well companies handle claims
- Overall customer experience
Consumer Reports
What Consumer Reports Checks:
- Customer satisfaction scores
- Complaint ratios
- Price comparisons
- Coverage options
AM Best Ratings
What AM Best Measures:
- How strong the company’s money is
- How well they pay claims
- How stable the business is
- Credit ratings
Different Types of Insurance Companies
National Companies
Examples: State Farm, GEICO, Allstate, Progressive
Good Things:
- Available everywhere
- Usually have good technology
- Often have competitive prices
- Well-known brands
Regional Companies
Examples: Erie, Auto-Owners, American Family
Good Things:
- Know local areas well
- Often have better customer service
- May have better prices in their areas
- More personal attention
Direct Companies (Online Only)
Examples: GEICO, Progressive online, Esurance
Good Things:
- Often cheaper prices
- Easy to buy online
- Good mobile apps
- Fast service
Mutual Companies
Examples: Amica, State Farm (kind of), USAA
Good Things:
- Owned by customers, not stockholders
- Often focus more on customer service
- May return money to customers
- Usually very stable
Red Flags – Companies to Avoid
Warning Signs
- Very cheap prices that seem too good
- Bad reviews about not paying claims
- High complaint ratios
- Poor financial ratings
- Hard to contact customer service
How to Check if a Company is Good
- Look up reviews online
- Check with your state insurance department
- Ask friends and family
- Look at complaint ratios
- Check financial strength ratings
Tips for Choosing the Right Company
Think About What You Need Most
- Do you want the cheapest price?
- Do you need the best customer service?
- Do you want local agents?
- Do you need many insurance types?
Get Multiple Quotes
- Compare at least 3-5 companies
- Make sure you compare the same coverage
- Look at total cost, not just monthly payments
- Ask about all available discounts
Read Reviews
- Look at customer reviews online
- Check complaint ratios with state regulators
- Ask people you trust about their experiences
- Look at professional ratings and rankings
Test Customer Service
- Call companies with questions
- See how quickly they respond
- Notice if they are helpful and polite
- Check if they explain things clearly
Questions to Ask Before Choosing
About Coverage
- What exactly is covered?
- What is not covered?
- How much will I pay if something happens?
- Can I change my coverage later?
About Claims
- How do I report a claim?
- How long does it take to get paid?
- Will you help me through the process?
- Do you have local claim adjusters?
About Discounts
- What discounts do you offer?
- Do I qualify for any discounts?
- How much money can I save?
- Will my discounts change over time?
About Service
- Can I manage my policy online?
- Do you have a mobile app?
- How can I contact you?
- Do you have local agents?
Summary: Best Companies by Category
Best Overall Car Insurance
- Travelers – Great all-around choice
- USAA – Best for military families
- State Farm – Good for most people
Best for Low Prices
- GEICO – Often cheapest
- Progressive – Good value
- State Farm – Fair prices for good drivers
Best Customer Service
- USAA – Amazing service (military only)
- Amica – Great service for everyone
- State Farm – Good personal service
Best for Online/Mobile
- GEICO – Great app and website
- Progressive – Good technology
- Allstate – Easy online tools
The best insurance company for you depends on what you need most. Think about price, service, coverage, and convenience. Take time to compare options and pick the company that fits your needs and budget best.
For more information about insurance companies and your rights as a consumer, visit the National Association of Insurance Commissioners or your state’s insurance department website. You can also check the Federal Trade Commission for general consumer protection information.
Disclaimer: This article is for educational purposes only and should not be considered as professional insurance advice. Insurance company rankings, ratings, and performance may vary by state and individual circumstances. Rankings mentioned are based on various industry studies and surveys conducted in 2025 but may not reflect all available options or current conditions. Please research current ratings, read policy documents carefully, and consult with licensed insurance professionals before making insurance decisions. The author and publisher are not responsible for any decisions made based on the information provided in this article.