The best car insurance company, according to our 2022 data, is USAA, but its insurance products are only available to members of the military community.

In the event that this is not applicable to your situation, the next best alternative is State Farm, which comes in at number two in our evaluation.

We analysed rates data and policyholder feedback on customer service, claims handling, customer loyalty, and policy renewal to determine the best car insurance companies.

This list can be used to compare various auto insurance providers according to the criteria that are most important to you.

Even though USAA and State Farm are at the top of the pack, you might find that one of the other eight companies in our rating is a better fit for you.

USAA is our top-rated insurer. According to our 2022 survey, USAA customers are most satisfied and likely to renew and recommend the company.

USAA insurance products, such as auto, homeowners, and renters policies, are only available to military personnel.

State Farm is No. 2 in our rating and has above-average scores in each of our subratings including Claims Handling and Customer Loyalty.

State Farm 


Farmers is ranked first in Claims Handling and second in Customer Service. It also ranks second in Customer Loyalty.

Farmers underperformed in Most Likely to Renewed, where its score of 4.0 was lower than the category average of 4.2.

Since our 2021 analysis, Nationwide moved up two spots to No. 3. Nationwide has above-average Customer Loyalty and Most Likely to be Recommended subratings.


Nationwide also has below-average rates for some drivers, especially those with a good driving record or poor credit.