J.D. Power’s best and worst auto insurance companies for 2025

The best and worst auto insurance companies for car insurance shopping

J.D. Power’s Auto Insurance Shopping Study tracks customer satisfaction with the car insurance shopping experience. This year’s study of 12,720 people found Erie Insurance on top. Another regional insurance company, Auto Club Group (AAA) ranked second, with insurance giant State Farm in third place.

Safeco and Mercury are at the bottom of this year’s list, with scores out of 1,000.

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Table

J.D. Power rankings for auto insurance shopping experience
Rank	Company	J.D. Power score
1.	Erie Insurance	714
2.	ACG (AAA)	707
3.	State Farm	699
4.	Liberty Mutual	689
5.	American Family	685
6.	ACSC (AAA)	681
7.	Auto-Owners	672
8.	Nationwide	671
9.	Allstate	669
10.	CSAA (AAA)	668
11.	Study average	667
12.	Farmers	662
13.	GEICO	660
14.	The Hartford	654
15.	Progressive	645
16.	National General	630
17.	Travelers	630
18.	Safeco	610
19.	Mercury	609
20.	USAA	732

Other findings from the study include:

More than half of the customers surveyed (57%) shopped for new car insurance in the past year.
One-third of customers (33%) were looking to bundle auto and home insurance.
Shoppers are interested in insurance programs through dealers and manufacturers, with 37% saying they’d consider it.
Usage-based insurance programs are resurgent, with 17% of companies offering them, up from 15% last year (although still down from 22% in 2023.)

The best and worst auto insurance companies for claims

Erie Insurance earned the top spot in the 2025 U.S. Auto Claims Satisfaction Study, scoring 743 out of 1,000. NJM Insurance took second place at 731, and Liberty Mutual came in third with 730. Conversely, Safeco (672) and National General (605) were the bottom two.

The average score was 700. The study found that customers are starting to see lower rates after the peak in 2024, but have also made decisions to reduce coverage or increase deductibles to get lower rates. In general, satisfaction with total loss claims was down nine points, with total losses making up 27% of claims.

See below to compare insurance companies' claims satisfaction ratings, with scores out of 1,000.

J.D. Power auto insurance claims satisfaction ranking
Rank	Company	J.D. Power score
1	Erie Insurance	743
2	NJM Insurance Co.	731
3	Liberty Mutual	730
4	Nationwide	729
5	Automobile Club of Southern CA (AAA)	726
6	CSAA Insurance Group (AAA)	720
7	Amica	718
8	State Farm	716
9	The Hartford	716
10	Auto-Owners Insurance	711
11	American Family	702
12	Mercury	701
13	Auto Club Group (AAA)	697
14	GEICO	697
15	Allstate	693
16	Travelers	691
17	Farmers	690
18	Progressive	673
19	Safeco	672
20	National General	605

The best and worst auto insurance companies for customer satisfaction by region

J.D. Power’s Auto Insurance Study breaks down customer satisfaction ratings by region and includes major insurers as well as regional companies. This year’s winners are:

Auto Club of Southern California (California)
Allstate and GEICO (tied in Florida)
NJM Insurance (Mid-Atlantic)
Amica (New England)
New York Central Mutual (New York)
Erie Insurance (North Central and Southeast)
State Farm (Northwest)
CSAA Insurance Group (Southwest)
Nationwide (Texas)

While only Erie Insurance ranks at the top of more than one region, Liberty Mutual and its subsidiary Safeco, Travelers, Farmers, and Progressive are at the bottom in multiple areas.

While only Erie Insurance ranks at the top of more than one region, Liberty Mutual, Farmers, National General, and Travelers are at the bottom in multiple areas.

Trust was a significant theme in the study. Insurance customers who trusted their carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. were much more likely to renew with that company. Over half of the people surveyed said they did not trust their insurer. Customers in Florida expressed the lowest level of trust and also saw significant rate increases.

The data below shows how insurers ranked in each of the 11 regions.

Company	Score out of 1,000
Automobile Club of Southern CA (AAA)	676
Wawanesa	672
GEICO	644
CSAA Insurance Group (AAA)	639
Progressive	638
State Farm	635
Region Average	631
CONNECT by American Family	625
Allstate	615
Farmers	599
Mercury	594
Nationwide	586
Safeco	584
Travelers	580
National General	561
Kemper	523
USAA*	748

While USAA scored the highest in every region, it is omitted since it only offers coverage to military members and their families. However, if you qualify for USAA, you may want to consider the score.

How J.D. Power auto insurance ratings are determined

The 2025 U.S. Auto Insurance Study is based on surveys from 48,121 auto insurance customers and was conducted from May 2024 through April 2025, encompassing ratings ranging from poor to perfect. The survey comprised seven main criteria:

Trust
Coverage price
People
Ease of doing business
Products and coverages offered
Problem resolution
Digital channels.

The 2025 U.S. Auto Claims Satisfaction Study includes survey responses from 9,455 insurance owners from September 2024 through August 2025. The study consists of responses from those who settled a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. nine months before the survey but does not include claims for glass/window repairs, theft, or roadside assistance.

It measured claim satisfaction in specific areas:

Trust
Fairness of settlement
Time to settle a claim
People
Communication
Ease of resolving a claim
Ease of starting a claim
Digital channels.

How to use J.D. Power ratings to choose the best carrier

While J.D. Power uses consumer surveys to rank insurers, other organizations use varying criteria to determine the best insurer.

For example, AM Best analyzes financial data to determine the most stable company. The National Association of Insurance Commissioners (NAIC) compiles customer complaints to rank companies, and Insurance.com’s Best Car Insurance Companies ranking surveys drivers on various topics, such as customer satisfaction and trustworthiness and the above-mentioned third-party ratings for an overview.

Consider ratings from numerous sources to find the best overall insurer for your needs. While there will probably not be one insurer on top in all the ratings, you can determine what insurers score highly in the areas that matter most to you.

Sources:

J.D. Power. “2025 U.S. Auto Insurance Study.” Accessed January 2026.
J.D. Power. “2025 U.S. Insurance Shopping Study.” Accessed January 2026.
J.D. Power. “2025 U.S. Auto Claims Satisfaction Study.” Accessed January 2026.

FAQ: J.D. Power's auto insurance ratings

Does J.D. Power offer ratings for regional carriers?

J.D. Power provides customer satisfaction ratings for regional insurers. However, regional carriers are not explicitly included in the claims satisfaction ratings.

How often are J.D. Power ratings updated?

J.D. Power publishes auto insurance ratings yearly. Claims rankings are released in the fall, and customer satisfaction rankings are available in late spring.

Can a company with lower ratings still be a good choice?

An insurer with low J.D. Power ratings can be a good fit if it meets your expectations. For example, if you only want the cheapest insurance available, rates may matter more to you than ratings. Every individual’s experience with a company differs depending on their interactions with that company. If you’re happy with your insurance company, ratings may not impact your choice.

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