Best insurance companies in usa

American Family tops our list of the best 2022 auto insurance companies

The best car insurance companies give their customers more than just coverage they want at a reasonable price. They also provide a customer-first experience, including a headache-free way to manage policies and make payments.

To pinpoint the best auto insurance companies, we looked at customer complaints data, consumer experience and financial strength. We also researched coverage offered and how easily you can interact with an insurer online when you’re getting a quote or filing a claim.

Based on these factors, these are our top auto insurance companies for 2022.

How we ranked the top auto insurers

NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies. Our “ease of use” category includes factors such as website transparency and how easy it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, this list of best auto insurance companies is likely to change

Best car insurance companies: Pros and cons

Learn more about our top auto insurance companies by reading our brief summaries below. For more details, check out our comprehensive reviews.

American Family: Best overall

5.0NerdWallet rating 

Bottom line: American Family tops our list as the best auto insurance company of 2022. In addition, it really shines when it comes to discounts, with savings for insuring multiple vehicles, completing a defensive driving course and having a student away at school.

Cost: About average.

Policies available in: 19 states, mainly throughout the Midwest and Pacific Northwest.

Pros: American Family offers a wide range of discounts and many coverage types.

Cons: American Family policies aren’t available in all states.

Company overview: In J.D. Power’s 2021 customer satisfaction studies, American Family ranked first among a dozen midsized insurers for satisfaction with the insurance shopping experience and first for overall satisfaction in the Southwest region. J.D. Power

ranked American Family ranked No. 7 out of 18 companies for auto insurance claims satisfaction in 2021.

American Family offers a range of discounts to drivers in some states, including for loyalty, completing a defensive driving course and for students away at school. The company also has apps to monitor driving, allowing good drivers to earn discounts.

» Read the full review: American Family insurance review

↑ Back to top

Auto-Owners: Best for few customer complaints

5.0NerdWallet rating 

Bottom line: People who need several insurance policies may benefit from the convenience of bundling them with Auto-Owners, which has many coverage options and few customer complaints.

Cost: About average.

Policies available in: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia and Wisconsin.

Pros: Auto-Owners has fewer complaints when compared to other companies and offers a wide variety of products with the opportunity to bundle.

Cons: The company only sells policies in 26 states.

Company overview: In J.D. Power’s 2021 studies, Auto-Owners ranked No. 4 among 12 mid-sized insurers for customer satisfaction regarding insurance shopping and ranked No. 9 out of 18 companies for customer claims satisfaction

in 2021.

If you’re in Ohio, Auto-Owners has an app to track your driving. You can earn a discount based on driving behavior such as when you drive and how many miles you’re on the road.

» Read the full review: Auto-Owners insurance review

↑ Back to top

NJM: Best for Connecticut, Maryland, New Jersey, Ohio and Pennsylvania drivers

5.0NerdWallet rating 

Bottom line: NJM is one of a handful of insurers with a five-star rating, offering some of the cheapest car insurance rates on average. However, its policies are available only in five states.

Cost: Cheaper than average.

Policies available in: Connecticut, Maryland, New Jersey, Ohio and Pennsylvania.

Pros: NJM has high customer satisfaction ratings and low customer complaints. New Jersey policyholders may also receive dividend payments.

Cons: Policies are not available in many states. NJM customers also do not have access to a mobile app to manage their policy.

Company overview: New Jersey Manufacturers Insurance (NJM) gets high scores in J.D. Power’s studies of customer satisfaction. It’s ranked No. 1 among 14 insurers in the mid-Atlantic region in the 2021 U.S. Auto Insurance Satisfaction Study, which measures overall customer satisfaction.






Leave a Reply

Your email address will not be published. Required fields are marked *