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Best Auto Insurance for Customer Satisfaction of 2024

Updated
David Chang, ChFC®, CLU®
By: David Chang, ChFC®, CLU®

Our Insurance Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

The best auto insurance companies not only have the best policy prices, but they offer excellent customer service. Having an easy way to process a claim, manage policies, and being able to get customer support is increasingly becoming more important to consumers. Here are the best auto insurance companies that have high customer satisfaction ratings.

Logo for Wawanesa
Best for CaliforniaWawanesa
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Bottom Line

Wawanesa has received the highest score in California in the J.D. Power Auto Insurance Study for three consecutive years (2020, 2021 and 2022). Wawanesa may offer cheaper rates since it only insures good drivers. Wawanesa also offers multiple discounts that can add up and make the premium cost more affordable. Drivers in Oregon can get driver discounts, vehicle discounts, and customer appreciation discounts. Wawanesa is a Canadian auto insurance company that is available in only two states: California and Oregon.

Logo for The Hartford
Best for the Northwest and FloridaThe Hartford
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Bottom Line

The Hartford has received the highest score in the Northwest region and in Florida in the J.D. Power Auto Insurance Study for 2022. The Hartford's auto insurance policies are geared towards drivers over age 50. Since 1984, The Hartford has offered car insurance exclusively for AARP members. Non-AARP members can purchase auto and home policies through independent agents. The Hartford offers discounts for its auto insurance policies and offers a 24/7 car insurance claims hotline. The company offers a wide range of coverage options but all are not available in all states. It also offers business insurance and employee benefits such as disability, accident, critical illness, and life insurance. Based out of Hartford, Connecticut, The Hartford was founded in 1810 and is a leader in property and casualty insurance.

Logo for Erie Auto Insurance
Best for the Mid-Atlantic and North CentralErie Auto Insurance
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Bottom Line

Erie Insurance has received the highest score in the Mid-Atlantic and North Central region (2nd consecutive year) in the J.D. Power Auto Insurance Study for 2022. Erie offers the ERIE Rate Lock® feature, where auto rates will only change if you add or remove a vehicle or a driver or change the address where you keep your car parked routinely. Erie offers multi-policy discounts from that range 16% to 25% off, depending on your state, when you insure your auto and home with them. Erie offers a wide range of auto insurance coverage options, including pet coverage. The insurer has more than 13,000 agents that offer auto, home, life, and business insurance. According to Erie, more than 90% of customers stay with the insurer. Erie was founded in 1925 in Erie, Pennsylvania.

Logo for Amica Mutual
Best for New EnglandAmica Mutual
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Bottom Line

Amica Mutual has received the highest score in New England in the J.D. Power Auto Insurance Study for 10 consecutive years. Amica states that it is the oldest mutual insurer of automobiles in the country and was the first to win 50 J.D. Power awards. As a mutual insurer owned by its policyholders, Amica's dividend policies return up to 20% in premiums. One out of three Amica customers have been insured with Amica for more than 20 years. Amica offers a wide range of policy discounts. These include discounts for bundling, for family, for how you drive, what you drive, and for how you pay. Amica offers the standard array of auto insurance coverages. It also offers Platinum Choice Auto coverage with premium coverage in one package.

Logo for Farm Bureau
Best for SoutheastFarm Bureau
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Bottom Line

Farm Bureau Insurance - Tennessee has received the highest score in the Southeast in the J.D. Power Auto Insurance Study for 2022. There is an annual membership fee of $30 to join the Farm Bureau. Membership has many advantages in addition to its insurance programs. Members can get discounts on a wide array of goods and services, and have access to health and safety programs. Farm Bureau Insurance began selling property and casualty policies in Tennessee in 1948. According to Farm Bureau Insurance, it has offices in more Tennessee communities than any other insurance company and have 16 regional claims centers through the state. Farm Bureau Insurance covers 1 in 4 people in Tennessee. Farm Bureau's premiums tend to be lower than many competitors and it offers a wide range of policy discounts. The insurer offers the standard auto coverage options with a few optional add-ons.

Award Icon 2024 Award Winner
Logo for State Farm
Best for SouthwestState Farm
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Bottom Line

State Farm has received the highest score in the Southwest region in the J.D. Power Auto Insurance Study for 2022. State Farm is one of the few national insurers to make the list and ranks above average in overall customer satisfaction in 10 out of the 11 regions surveyed. State Farm has been around for nearly a century and offers coverage in every state. The insurer offers a wide range of discounts, and bundling policies can save as much as $1,127 annually. Drivers can get a discount of up to 30% with its Drive Safe and Save discounts. Drivers connect their smartphone or use a qualifying connected car to determine how they drive. State Farm then uses the driving information collected to calculate discounts. It also offers extra auto insurance coverage add-ons such as car rentals and travel expenses. State Farm also offers a robust mobile app for convenience as well as 24/7 emergency roadside assistance.

What determines the customer satisfaction rating?

There are many customer satisfaction surveys and rating schemes available. One of the most well-known and reputable is J.D. Power. For more than 50 years J.D. Power has been providing consumer research, data, and analytics. J.D. Power is best known for its automotive research. You have probably seen countless car commercials boasting of a given car's J.D. Power rankings. Subaru was the first car company to mention its J.D. Power ranking in a commercial, back during the 1984 Super Bowl.

Since then, many companies around the world have followed suit, advertising their J.D. Power rankings and using the data to help develop their customer relations strategies. J.D. Power creates benchmark studies based on consumer insights. By surveying consumers, J.D. Power analyzes and then ranks companies in dozens of categories over nine industries every year. It then gives awards to the best-performing companies.

J.D. Power has been examining customer satisfaction for the U.S. auto insurance industry for 23 years. They rank auto insurers through the following five factors (in alphabetical order):

  • Billing process and policy information
  • Claims
  • Interaction
  • Policy offerings
  • Price

The 2022 U.S. Auto Insurance Study is based on responses from 36,935 auto insurance customers and was fielded from January through April 2022.

Why is knowing customer satisfaction important?

The J.D. Power Auto Insurance Satisfaction Study provides how customers view their auto insurer. The customers' perception is based on their auto insurer's ability to meet their expectations at both the national and regional levels. The study examined the relationship between customer satisfaction and how well the auto insurer performed financially, as well as retention levels. The study also identified the best practices that auto insurance companies use and how they are directly linked to customer satisfaction.

In evaluating the overall customer satisfaction with their auto insurance companies, J.D. Power asked these questions:

  • What are the key drivers of satisfaction for auto insurance customers?
  • What creates the most satisfying experience for the customer?
  • What are the key trends insurers must act on to better satisfy their customers?
  • What impact are digital channels and changing demographics having on insurers and their current processes with their customers?
  • Which insurers are providing the best experiences for their customers and what are they doing to achieve that?

Overall J.D. Power found that drivers across the board were dissatisfied with their auto insurance company due to the rise in premium costs. This rise was due to the skyrocketing costs of used cars, a record number of serious collisions, and surging repair costs. The study found that customer satisfaction with the price of auto insurance declined sharply. Many auto insurers were able to improve customer engagement levels, however. This kept overall customer satisfaction at a level similar to last year's study.

What are the top rated auto insurance companies for customer satisfaction?

For the 2022 U.S. Auto Insurance Study, here are the companies with the highest customer satisfaction with auto insurance in 11 geographic regions. The score is out of 1000. The top companies are typically regional insurance companies.

  • California:
    • Wawanesa (879) (for a third consecutive year)
    • Region average: 820
  • Central:
    • Shelter (866) (for a second consecutive year)
    • Region average: 835
  • Florida:
    • The Hartford (860)
    • Region average: 832
  • Mid-Atlantic:
    • Erie Insurance (867)
    • Region average: 839
  • New England:
    • Amica Mutual (862) (for a 10th consecutive year)
    • Region average: 823
  • New York:
    • New York Central Mutual (834)
    • Region average: 822
  • North Central:
    • Erie Insurance (876) (for a second consecutive year)
    • Region average: 838
  • Northwest:
    • The Hartford (842)
    • Region average: 829
  • Southeast:
    • Farm Bureau Insurance: Tennessee (876) (for an 11th consecutive year)
    • Region average: 849
  • Southwest:
    • State Farm (848)
    • Region average: 827
  • Texas:
    • Texas Farm Bureau (873) (for an 11th consecutive year)
    • Region average: 844

USAA scored 879 out of 1000, which would make it number one in all 10 regions and tied for first in one. However USAA is not rank eligible since it does not meet the study award criteria.

Those surveyed said that any price increase in premiums could be offset if insurers were transparent and notified them of price increases in advance. The study also found that usage-based insurance, which gives a discount based on your driving behavior, is growing rapidly. The number of drivers adopting these programs are at an all-time high. Overall customer satisfaction has risen significantly among drivers using them.

What companies receive the poorest customer satisfaction ratings?

Here are the auto insurance companies that received the lowest customer service ratings by J.D. Power.

  • California:
    • Kemper (748)
    • Region average: 820
  • Central:
    • Nationwide (800)
    • Region average: 835
  • Florida:
    • Progressive (810)
    • Region average: 832
  • Mid-Atlantic:
    • Plymouth Rock Insurance (789)
    • Region average: 839
  • New England:
    • Allstate (787)
    • Region average: 823
  • New York:
    • Liberty Mutual (798)
    • Region average: 822
  • North Central:
    • Liberty Mutual (807)
    • Region average: 838
  • Northwest:
    • Farmers (802)
    • Region average: 829
  • Southeast:
    • Farmers (828)
    • Region average: 849
  • Southwest:
    • CSAA Insurance Group (798)
    • Region average: 827
  • Texas:
    • Farmers (819)
    • Region average: 844

Based on J.D. Power's study, national auto insurers tend to have the lowest customer satisfaction scores. Farmers has the lowest in three regions, Liberty Mutual in two, and Allstate, Nationwide, and Progressive each in one.

The study found that the price of a policy has a significant impact on customer satisfaction. However, if auto insurers are proactive and notify customers in advance, it can help with the negative effect cost increases have. Calling was found to be the most effective way to let customers know of any coming price increases. In addition to offering digital tools, insurers that use agents and customer representatives can also increase their customer satisfaction.

A recap of the best auto insurance for customer satisfaction in 2024

The Picks
Offer Best For Next Steps
Graphic of Wawanesa
Wawanesa
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Great For: Best for California
Graphic of The Hartford
The Hartford
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Great For: Best for the Northwest and Florida
Graphic of Erie Auto Insurance
Erie Auto Insurance
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Great For: Best for the Mid-Atlantic and North Central
Graphic of Amica Mutual
Amica Mutual
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Great For: Best for New England
Graphic of Farm Bureau
Farm Bureau
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Great For: Best for Southeast
Graphic of State Farm
State Farm
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Great For: Best for Southwest

FAQs

  • These car insurance companies have the highest customer satisfaction ratings in their region according to a study by J.D. Power.

    • California: Wawanesa
    • Central: Shelter
    • Florida: The Hartford
    • Mid-Atlantic: Erie Insurance
    • New England: Amica Mutual
    • New York: New York Central Mutual
    • North Central: Erie Insurance
    • Northwest: The Hartford
    • Southeast: Farm Bureau Insurance - Tennessee
    • Southwest: State Farm
    • Texas: Texas Farm Bureau
  • J.D. Power's 2022 U.S. Auto Insurance Study found that customer satisfaction with the price of auto insurance declined sharply. While overall customer satisfaction with auto insurance providers is 834 (out of 1,000), customer satisfaction with car insurance costs is 769, down a significant five points from the 2021 survey.

Our Insurance Expert