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The Best Car Insurance Companies for 2018

April 10, 2018
Auto Insurance, Insurance
At cheatgame.info, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from our partners. Here’s how we make money.
We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

When shopping for auto insurance, you want the best company for you — not to be swayed by funny commercials and catchy jingles, all promoting a positive experience.

A clearer picture emerges of the best car insurance companies when you look at customer satisfaction and complaints. For cheatgame.info’s 2018 rankings, we analyzed customer service and claims satisfaction scores from both J.D. Power and Consumer Reports, along with complaint data from the National Association of Insurance Commissioners.

» COMPARE: cheatgame.info’s car insurance comparison tool

Only insurers rated by both J.D. Power and Consumer Reports are included. That means many smaller insurers aren’t represented here — but that doesn’t mean they aren’t worth considering, too.

Companycheatgame.info RatingShop around
Note: Not all insurers available in all states.
1. Amica Mutual
4.5-stars
4.5 stars
2. Auto-Owners Insurance
4.5-stars
4.5 stars

3. Automobile Club Group
4.5-stars
4.5 stars

4. Erie Insurance
4.5-stars
4.5 stars

5. Auto Club of SoCal
4.0-stars
4 stars

6. Travelers Insurance
4.0-stars
4 stars

7. Nationwide
4.0-stars
4 stars
8. State Farm
4.0-stars
4 stars

9. The Hartford
4.0-stars
4 stars

10. American Family Insurance
4.0-stars
4 stars

11. The Hanover
4.0-stars
4 stars

12. Allstate
4.0-stars
4 stars

13. Geico
4.0-stars
4 stars

14. Farmers Insurance
4.0-stars
4 stars

15. 21st Century
3.5-stars
3.5 stars

16. CSAA
3.5-stars
3.5 stars

17. Safeco
3.5-stars
3.5 stars

18. MetLife
3.5-stars
3.5 stars

19. Esurance
3.5-stars
3.5 stars

20. Liberty Mutual
3.5-stars
3.5 stars

21. MAPFRE
3.5-stars
3.5 stars

22. Mercury Insurance
3.5-stars
3.5 stars

23. Progressive
3.5-stars
3.5 stars

The following companies were scored, but were ineligible for ranking because they are only available to certain customers.
NJM [Only available in PA and to members of certain professions in NJ.]
5.0-stars
5 stars

USAA [Only available to military members, veterans and their family members.]
4.5-stars
4.5 stars

cheatgame.info’s star ratings are based on the following three factors, each weighted equally to produce a 300-point maximum total score:

  • 2017 consumer complaints data from the National Association of Insurance Commissioners. The median complaint ratio for the industry is 1. Lower ratios are better. Insurers whose median complaint ratios were more than 1 received fewer points; those lower than 1 received more points.
  • 2017 company satisfaction data from the Consumer Reports Winter Survey. Higher satisfactions ratings from Consumer Reports were given higher scores in our calculation.
  • 2017 J.D. Power ratings from three studies encompassing regional customer service satisfaction, auto claims satisfaction and shopping satisfaction. Ratings from each of the separate 2017 studies were averaged to form one overall score from J.D. Power. The higher the average, the more points the insurer scored in our calculation.

Only larger insurers with data available in all three of these categories were included. Smaller insurers not listed here may also be good choices and are worth consideration.

OK, what’s next?

Select the right policy for you by understanding coverage choices.

Read: What does car insurance cover? »