J.D. Power’s best and worst car insurance companies for customer satisfaction

Q: Which car insurance company has the highest customer satisfaction?

Amica received the highest J.D. Power score for customer satisfaction at 735 .

J.D. Power’s best auto insurance companies for overall customer satisfaction

J.D. Power ranked the best carriers in 10 regions of the United States: California, Central, Mid-Atlantic, New England, New York, North Central, Northwest, Southeast, Southwest and Texas.

Take a look at the top-ranked companies in each region, along with the lowest-ranked companies.

California

Automobile Club of Southern CA (AAA) scored highest for this region, with a J.D. Power score of 676. This was the second consecutive year for this carrierAn insurance carrier is the company that provides your car insurance policy and pays claims..

The other two top carriers were Wawanesa with a score of 672 and GEICO with 644.

The low scorers in California were Travelers (580), National General (561) and Kemper (523).

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Table

J.D. Power 2025 auto insurance rating in California
Company	Satisfaction Score
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

Central

Shelter Insurance ranked highest in this region, with a J.D. Power score of 673. This is the fifth consecutive year that Shelter has topped the list.

The next two highest ranked carriers were State Farm with 664 and American Family with 660.

For the Central region of the U.S., the lowest ranked carriers were Automobile Club of Southern CA (AAA) at 628, Safeco at 597 and Travelers with a score of 585.

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Table

J.D. Power 2025 auto insurance rating in Central
Company	Satisfaction Score
Shelter Insurance	673
State Farm	664
American Family	660
Auto-Owners Insurance	654
Region Average	649
Arkansas Farm Bureau Insurance	648
Farm Bureau Financial Services	645
Allstate	644
Farmers	641
GEICO	641
Liberty Mutual	640
Progressive	637
Nationwide	632
Automobile Club of Southern CA (AAA)	628
Safeco	597
Travelers	585
USAA*	719

Florida

Allstate and GEICO tied for the highest J.D. Power score in Florida, both with scores of 660.

Next in line was Florida Farm Bureau Insurance with a score of 655.

The lowest-ranking J.D. Power scores for Florida went to Direct Auto (608), Liberty Mutual (606) and Progressive (606). Progressive ranked toward the bottom of the list in several regions.

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Table

J.D. Power 2025 auto insurance rating in Florida
Company	Satisfaction Score
Allstate	660
GEICO	660
Florida Farm Bureau Insurance	655
Auto Club Group (AAA)	649
Dairyland	649
Farmers	640
State Farm	639
The Hartford	635
Region Average	635
Auto-Owners Insurance	630
The General	628
Travelers	620
Direct Auto Insurance	608
Liberty Mutual	606
Progressive	606
USAA*	735

Mid-Atlantic

NJM Insurance ranked highest for this region and garnered one of the highest overall J.D. Power scores of all carriers at 721.

The next two highest scorers were Erie with a score of 706 and CSAA Insurance Group (AAA) with a score of 676.

Lowest in the ranking for the Mid-Atlantic were The Hartford with 618, Plymouth Rock Assurance at 614 and National General at 567.

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Table

J.D. Power 2025 auto insurance rating in Mid-Atlantic
Company	Satisfaction Score
NJM Insurance Co.	721
Erie Insurance	706
CSAA Insurance Group (AAA)	676
State Farm	673
Region Average	656
GEICO	643
Farmers	636
Nationwide	636
Travelers	633
Allstate	632
Liberty Mutual	632
Progressive	625
The Hartford	618
Plymouth Rock Assurance	614
National General	567
USAA*	743

New England

Amica Insurance topped the list for the New England region and also received the highest J.D. Power score of all the carriers at 735.

Allstate and GEICO were next in line, with scores of 641 and 639, respectively.

The low scores for the New England region went to The Hanover with 594, Farmers with 587 and Progressive with 582.

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Table

J.D. Power 2025 auto insurance rating in New England
Company	Satisfaction Score
Amica	735
Allstate	641
GEICO	639
State Farm	634
Liberty Mutual	626
Region Average	625
Travelers	622
Safety Insurance	617
Arbella	609
Plymouth Rock Assurance	601
MAPFRE Insurance	597
The Hanover	594
Farmers	587
Progressive	582
USAA*	745

New York

New York Central Mutual scored highest for this state, with a J.D. Power score of 652.

They were followed on the list by the next highest scores for Nationwide (647) and State Farm (646).

Progressive (620), Liberty Mutual (601) and Farmers (588) received the lowest scores. These three carriers have scored on the low end of the ranking for more than one region.

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Table

J.D. Power 2025 auto insurance rating in New York
Company	Satisfaction Score
New York Central Mutual	652
Nationwide	647
State Farm	646
Travelers	645
GEICO	637
Region Average	636
Allstate	625
Progressive	620
Liberty Mutual	601
Farmers	588
USAA*	734

North Central

Erie Insurance ranked highest for the North Central region of the U.S., with a score of 684. They also topped the list for the Southeast region.

The second highest score went to Nationwide with 674 and third place was Cincinnati Insurance with 667.

The last three rankings were Auto Club Group (AAA) at 614, Safeco at 607 and Travelers at 596. Safeco was also last in the Northwest region.

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Table

J.D. Power 2025 auto insurance rating in North Central
Company	Satisfaction Score
Erie Insurance	684
Nationwide	674
Cincinnati Insurance	667
Indiana Farm Bureau Insurance	660
COUNTRY Financial	659
American Family	653
GEICO	651
Grange Insurance	650
Westfield Insurance	647
State Farm	646
Michigan Farm Bureau Insurance	644
Region Average	643
Liberty Mutual	642
Allstate	634
Progressive	634
Auto-Owners Insurance	631
Farmers	623
The Hanover	620
Auto Club Group (AAA)	614
Safeco	607
Travelers	596
USAA*	728
Meemic**	687

Northwest

State Farm ranked highest for the Northwest with 648 points.

The Hartford ranked second best with a score of 645, which shows that the region matters– they scored lowest in New England. Third place was GEICO with a score of 631. GEICO consistently performed well in several regions.

The lowest three rankings were Travelers (581), Liberty Mutual (578) and Safeco (560).

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Table

J.D. Power 2025 auto insurance rating in Northwest
Company	Satisfaction Score
State Farm	648
The Hartford	645
GEICO	631
Region Average	629
American Family	626
Nationwide	625
Allstate	621
Farmers	620
PEMCO Insurance	619
Progressive	607
Travelers	581
Liberty Mutual	578
Safeco	560
USAA*	729

Southeast

Erie Insurance topped the list with a high score for the Southeast region at 718. This is the third-highest score of all the carriers. They were also the highest rated in the North Central region of the U.S.

The second highest-ranked carrier was Tennessee Farm Bureau Insurance, with a score of 696 and third was Nationwide, with 691.

The bottom three ranked carriers were Direct Auto (608), Travelers (606) and Safeco (565). All three of these carriers were also at the bottom of the list in other areas of the country.

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Table

J.D. Power 2025 auto insurance rating in Southeast
Company	Satisfaction Score
Erie Insurance	718
Tennessee Farm Bureau Insurance	696
Nationwide	691
Kentucky Farm Bureau Insurance	689
Alfa Insurance	685
State Farm	677
GEICO	670
Region Average	667
Farmers	666
Shelter Insurance	665
North Carolina Farm Bureau Insurance	657
Allstate	654
Progressive	645
Auto-Owners Insurance	641
Liberty Mutual	626
National General	613
Direct Auto Insurance	608
Travelers	606
Safeco	565
USAA*	749

Southwest

CSAA Insurance Group (AAA) ranked highest in this part of the country, with a J.D. Power score of 676.

Nationwide came in second with 661 and State Farm was third at 648.

Progressive, with a score of 616, Liberty Mutual, with 591, and Safeco, with 550, were the bottom-ranked carriers.

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Table

J.D. Power 2025 auto insurance rating in Southwest
Company	Satisfaction Score
CSAA Insurance Group (AAA)	676
Nationwide	661
State Farm	648
Region Average	636
American Family	635
Auto-Owners Insurance	634
The Hartford	628
Allstate	627
Travelers	626
GEICO	624
Farmers	623
Dairyland	619
Progressive	616
Liberty Mutual	591
Safeco	550
USAA*	720

Texas

Nationwide topped the list of carriers in Texas, with a J.D. Power score of 657. They also came in second place in several other regions.

Second from the top was Automobile Club of Southern CA (AAA) with a score of 655, then GEICO with a score of 651.

Farmers (620), Progressive (620) and Fred Loya Insurance (587) ranked the lowest for the Texas region.

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Table

J.D. Power 2025 auto insurance rating in Texas
Company	Satisfaction Score
Nationwide	657
Automobile Club of Southern CA (AAA)	655
GEICO	651
State Farm	645
Germania Insurance	642
Region Average	640
Allstate	636
Liberty Mutual	632
Texas Farm Bureau Insurance	628
Farmers	620
Progressive	620
Fred Loya Insurance	581
USAA*	732

J.D. Power’s key insights for 2025

In addition to reporting insurance company scores, J.D. Power offers insights into consumer concerns and buying habits.

According to the report, customer satisfaction is at an all-time low, with 38% of insurance customers giving low customer satisfaction scores. This means they’re much less likely to renew.

Stephen Crewdson, managing director of insurance business intelligence at J.D. Power, says in the report that “insurers need to focus on delivering a tailored, seamless customer experience.” That means positive interactions with apps, websites and customer service reps and ease of service when it comes to claims, policy changes and maintenance. All this leads to trust and that leads to more renewals.

Additionally:

High-value, long-time customers (those with low risk profiles and multiple policies) are at risk of changing insurance companies. The survey found 51% of these loyal customers are planning the renew, lower than other segments.
Although low rates draw people in, they stay for customer service and a good claims experience.
The customer experience is driven by a seamless experience across channels.

How J.D. Power Ranks auto insurance companies

J.D. Power uses a point scale, where 1,000 is the highest score. The score is based on an annual survey of insurance consumers across 11 geographic regions and 48,121 insurance customers.

The main areas covered by the survey are:

Digital channels
Ease of doing business
People
Price for coverage
Problem resolution
Product/coverage offerings
Trust

Resources & Methodology

Sources

J.D. Power. “2025 U.S. Auto Insurance Study.” Accessed July 2025.

Frequently asked questions

Which car insurance company has the highest customer satisfaction?

Amica received the highest J.D. Power score for customer satisfaction at 735.

Is regional ranking different than national ranking?

Regional rankings are more specific to the customer experience for a company in that area. Because they are more focused, they include smaller companies that don’t make the cut in national rankings.