USAA tops list of America’s best car insurance companies


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What makes an insurer the best car insurance company isn’t simply one, or even two or three metrics. Having a fair price or having strong customer service alone isn’t enough. It’s a combination of many factors that result in a well-rounded and trustworthy car insurance company – one that will be there when you need them after a claim and one that provides strong customer service paired with fair rates.

With tens of thousands of car insurance reviews on our platform, we’re able to pull together a comprehensive and unbiased look at which insurers consumers rate as the best car insurance companies for 2019.

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Below is our annual rankings of which car insurance companies consumers rated the best.

Top-ranked car insurers for 2019

Ranking

Car insurance company

# of reviews

Clearsurance rating

1

USAA

2,008

4.72

2

NJM Insurance Group

131

4.59

3

Erie Insurance Group

491

4.54

4

Amica Mutual Insurance Company

202

4.49

5

Shelter Mutual Insurance Company

118

4.38

6

CSAA Insurance Group, A AAA Insurer

210

4.34

7

AAA

897

4.33

8

Auto-Owners Insurance Group

175

4.32

9

State Farm

5,257

4.29

10

The Hartford

231

4.28

Our second annual Clearsurance-24/7 Wall St. Car Insurance Survey rankings list uses the same proprietary algorithm used last year. The rating of each company is based on the consumer’s overall rating of the company, the insurer’s customer service, as well as each policyholder’s likelihood to renew and recommend the company to a friend.

In order to qualify for our list of the best insurance companies for 2019, companies must have a minimum of 100 car insurance reviews in 2018. Interested in seeing the most up-to-date rankings of insurers who sell in your state? See the best car insurance companies in your area.

Click here to see our methodology

1. USAA
• Company rating: 4.72
• Number of reviews: 2,008 reviews
• Claims service rating: 4.68

After finishing second in our 2018 yearly rankings, USAA claimed the top spot for 2019 with an impressive rating of 4.72. Unfortunately for consumers, USAA isn’t available to everyone. Though USAA sells in all 50 states, the insurer is exclusively available to active and former military members and their families. Additionally, USAA holds the No. 1 spot for homeowners and renters insurance companies for 2019.

2. NJM Insurance Group
• Company rating: 4.59
• Number of reviews: 131 reviews
• Claims service rating: 4.65

For NJM Insurance Group, size isn’t indicative of performance. Despite selling in just two states – New Jersey and Pennsylvania – NJM Insurance Group has been a staple at the top of our best car insurance rankings for the past two years. NJM Insurance Group has the second largest car insurance market in New Jersey and is hoping to gain more of a foothold in Pennsylvania after expanding its personal lines offerings to the state at the beginning of 2018.

3. Erie Insurance Group
• Company rating: 4.54
• Number of reviews: 491 reviews
• Claims service rating: 4.43

Erie Insurance Group, based in Pennsylvania, is a regional insurer that serves 12 states and Washington, D.C. Erie performed well for car insurance as well as homeowners insurance, where it secured the No. 3 spot for best homeowners insurance companies. Erie Insurance also has a unique feature called Erie Rate Lock, which keeps your car insurance rates the same unless you make changes to your policy, such as adding a driver or changing your address.

4. Amica Mutual Insurance Company
• Company rating: 4.49
• Number of reviews: 202 reviews
• Claims service rating: 4.51

As the highest-ranked mutual insurance company on the list, Amica is available across the continental United States. The Rhode Island based insurance company has both the fourth highest consumer rating at 4.49. Amica offers a multi-line discount for bundling multiple lines together, and it checked in at No. 2 on our best homeowners companies for 2019 list.

5. Shelter Mutual Insurance Company
• Company rating: 4.38
• Number of reviews: 118 reviews
• Claims service rating: 4.29

Shelter Mutual is a regional Midwest insurance company that offers car insurance in 15 states. One benefit of buying car insurance from Shelter Mutual is it includes 24/7 roadside assistance on all of its policies for no additional charge.

6. CSAA Insurance Group, a AAA Insurer
• Company rating: 4.34
• Number of reviews: 210 reviews
• Claims service rating: 4.29

CSAA Insurance is a subsidiary of AAA that services 23 states and Washington, D.C. After not making the list of best car insurance companies for 2018, CSAA Insurance checks in at No. 6 for 2019 – just ahead of AAA.

7. AAA
• Company rating: 4.33
• Number of reviews: 897 reviews
• Claims service rating: 4.21

AAA is a national insurance company that creates a more personalized feel by operating through regional clubs around the country. AAA is also highly regarded for its well-known roadside assistance program, which is available to anyone, even if you aren’t a policyholder.

8. Auto-Owners Insurance Company
• Company rating: 4.32
• Number of reviews: 175 reviews
• Claims service rating: 4.32

Auto-Owners is a midsize insurance company that sells car insurance in 26 states. The Michigan-based insurance company operates through a network of independent agents. Auto-Owners’ car insurance claims service rating of 4.32 is sixth-best of the companies to make the top 10.

9. State Farm
• Company rating: 4.29
• Number of reviews: 5,257 reviews
• Claims service rating: 4.28

State Farm holds the designation of the largest car insurance company in the world, controlling more than 18 percent of the market. And after not cracking the top 10 for 2018, State Farm jumps into the top 10 for 2019. State Farm operates with more than 19,000 captive agents. The national insurance provider’s 5,257 car insurance reviews in 2018 were the most reviews of any company that made the top 10.

10. The Hartford
• Company rating: 4.28
• Number of reviews: 231 reviews
• Claims service rating: 4.33

The Hartford, a national insurer based in Connecticut, rounds out our top 10 best car insurance companies for 2019. The Hartford offers an auto insurance program with the AARP to reward members for being safer, more experienced drivers. You can also earn savings by bundling other policies such as homeowners or condo insurance with The Hartford. While the Hartford ranks tenth on this list, the company did have the fifth-best claims service rating of companies in the top 10.

Methodology

Clearsurance’s company ratings are based entirely upon consumer feedback and ratings. Clearsurance uses a proprietary algorithm that factors in all aspects of its user reviews, including the policyholder’s overall experience with the company, the company’s service, the customer’s likelihood to renew with the company and the customer’s likelihood to recommend the company to a friend.

In order to determine the rankings of the best car insurance companies for 2019, Clearsurance considered all companies with at least 100 car insurance reviews during the 2018 calendar year. All companies that qualified were then ranked in order of their Clearsurance rating, a combination of the above ratings provided in each consumer review written on Clearsurance. The ratings for each company is based only on the reviews for car insurance for each company in 2018.

 

Source:- usatoday

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