Here at Team Clark, when it comes to what companies are best, we focus on the consumer experience. That means — even if they don’t always have the cheapest premiums — companies must have a good track record for customer service, support and satisfaction with how claims are handled.
These factors are also weighed heavily by Consumer Reports and J.D. Power, which is why we use data from both sources to create our list.
To develop the Team Clark grades, we’ve taken the top companies from Consumer Reports and J.D. Power and averaged their scores. Here’s our top ten list:
(out of 100) |
||
|---|---|---|
| 1 | Erie Insurance | 73.2 |
| 2 | NJM Insurance | 71.1 |
| * | USAA | 71.1 |
| 3 | Amica | 70.4 |
| 4 | Auto-Owners Insurance | 63.1 |
| 5 | CSAA Insurance Group (AAA) | 62.0 |
| 6 | Nationwide | 61.0 |
| 7 | State Farm | 60.3 |
| 8 | The Hartford | 58.3 |
| 9 | American Family | 57.1 |
| 10 | Auto Club Group (AAA) | 56.4 |
* Because J.D. Power doesn’t technically rank USAA coverage, we’ve included it as an honorable mention but haven’t included it in the rankings.
Consumer Reports generates its ratings by reviewing companies in seven key areas, including premiums, claims, coverage, policy clarity, policy review, service, and help/advice. Companies receive scores in each area based on their customers’ satisfaction with things like the cost of their premiums, the coverage available and how claims and non-claims related issues are handled.
J.D. Power ratings are based on “customers’ perceptions of their insurer’s performance throughout the entire claims experience.” This experience includes the time period, “from first notice of loss through the repair and delivery of their vehicle or settlement of a total loss.”
Please note that this list isn’t exhaustive. For example, several companies on the Consumer Reports list aren’t rated by J.D. Power. We recommend reviewing the individual lists from J.D. Power (free) and Consumer Reports (subscription required) for more options.