The quality of service provided by various auto insurance firms varies greatly. We polled over 10,000 motorists to gain insight into their auto insurance claims, service, and loyalty. We used it to create a ranking of the top auto insurance providers for 2022.
Which Car Insurance Provider Is the Best?
Data from 2022 shows that USAA is the greatest option for auto insurance, but unfortunately, USAA policies are only accessible to active duty soldiers and their families. If that’s not a possibility, State Farm is our pick for the second-best insurer overall. We looked at both rate information and policyholder reviews, paying close attention to ratings for customer service, claims processing, loyalty, and policy renewal when selecting the top auto insurance providers.
We also inquired whether or not respondents would suggest their current insurer to a motorist in the market for new coverage. Use this list to compare vehicle insurance providers based on the criteria that are most important to you. Even though USAA and State Farm are at the top of our list, you may discover that one of the other eight insurance providers is a better fit for your needs. Consequently, before buying or renewing a policy, it is wise to shop and compare the prices offered by other insurers.
USAA
Among insurance providers, we recommend USAA the most. Our 2022 study found that USAA customers are the most satisfied overall, and the most willing to renew their insurance and recommend USAA to their friends and family. The rates offered by USAA are the lowest we found, 35% lower than the national average. Only active duty military personnel and their families are eligible to purchase insurance through USAA, which includes vehicle, house, and renter’s plans. For this reason, not every motorist will be able to secure coverage with this provider.
“State Farm”
State Farm comes in at No. 2 overall, with top marks in all of our category breakdowns, including Claims Handling and Customer Loyalty. It also fared highly in our 2022 ranking of the most cost-effective auto insurers. It had the lowest average prices in our review for drivers with less-than-perfect driving histories who were unable to obtain coverage through USAA.
Farmers
Our research shows that Farmers Insurance is both the best and the second best in its industry when it comes to handling claims and providing excellent customer service. Furthermore, it is tied for second in Customer Loyalty. Farmers’ score of 4.0 in this area is lower than the average of 4.2 in this space, where it often does well.
Nationwide
Since we last looked at this data in 2021, Nationwide has risen two slots to a tie for third. Nationwide ranks second in Customer Loyalty and is Most Likely to be Recommended, and above-average in all other sub ratings. Some drivers, such as those with a solid driving record or low credit scores, might get below-average rates from Nationwide.
Geico
Geico, which received average marks in all areas including Customer Service, Claims Handling, and Customer Loyalty, came in at No. 3 in this year’s ranking. Its prices are very low, placing it at No. 2 on our list of the most cost-effective auto insurers of 2022. For drivers under 25, over 65, or with less-than-perfect credit, its premiums are just slightly more than those offered by second-place USAA.