The best and worst renters insurance companies for customer satisfaction
For 2025, J.D. Power ranked Amica, Erie Insurance and CSAA Insurance Group (AAA) as the top three renters insurance companies for overall satisfaction.
“The scores take into account consumer ratings on trust, price for coverage, people, ease of doing business, product coverage, problem resolution, and digital channels,” says Stephen Crewdson, senior director, global business intelligence at J.D. Power.
Safeco ranked the lowest at 614; The Hartford and Allstate were also at the bottom of the list.
Amica and Erie, last year's top two, switched places this year, with Amica taking first place. CSAA Insurance Group rose from No. eight to No. three, and Lemonade, last year's third-place company, dropped to eighth.
| 2025 ranking | Company | Score out of 1,000 | 2024 ranking |
|---|---|---|---|
| 1 | Amica | 711 | 2 |
| 2 | Erie | 705 | 1 |
| 3 | CSAA Insurance Group | 689 | 8 |
| 4 | Nationwide | 681 | 11 |
| 5 | State Farm | 685 | 4 |
| 6 | American Family | 675 | 6 |
| AVERAGE | 668 | ||
| 7 | Travelers | 663 | 14 |
| 8 | Lemonade | 661 | 3 |
| 8 (tie) | Liberty Mutual | 661 | 12 |
| 9 | Automobile Club of Southern CA (AAA) | 651 | 5 |
| 10 | Auto-Owners | 649 | Not ranked |
| 11 | Farmers | 648 | 10 (tie) |
| 12 | Progressive Home | 648 | 13 |
| 13 | Allstate | 638 | 9 |
| 14 | The Hartford | 626 | 10 (tie) |
| 15 | Safeco | 614 | 7 |
It's important to note that while USAA had the highest score at 740, it's not included in this study due to its limited availability. USAA's insurance coverage is exclusively for military members and their families.
How does J.D. Power rate renters insurance companies?
The 2025 Home Insurance Study by J.D. Power is a comprehensive examination of customer satisfaction in the property insurance industry. It covers various factors, including coverage offered, price, digital channels, problem resolution, trust in the company and its people and ease of working with the insurer, for both homeowners and renters insurance.
The study uses a 1,000-point scale. For 2025, the segment average for renters insurance companies was 688.
The renters insurance study uses the same metrics as the homeowners insurance study.
What other ratings should I consider when buying renters insurance?
While J.D. Power’s studies are a useful tool when buying renters insurance, they’re not the only one. Digging deeper into an insurer's track record, such as their handling of customer complaints and financial stability, provides the information necessary to make an informed decision.
For example, the National Association of Insurance Commissioners (NAIC) tracks customer complaints to see which insurers take the best care of customers. An insurer with a high complaint index score means they have more than the expected number of complaints and may be more challenging to deal with.
In addition, AM Best rates companies based on financial stability. An insurer with a low rating may have trouble paying claims and be more likely to avoid paying when possible.
Check out our best renters insurance companies rankings to see which insurer offers the best price, customer satisfaction, and financial stability.
Source:
J.D. Power. “2025 U.S. Home Insurance Study.” Accessed September 2025
Frequently asked questions
Which renters insurance company is best for customer satisfaction?
According to J.D. Power, Amica offers the best customer satisfaction for renters insurance. Erie and CSAA Insurance Group also rank highly.
Which renters insurance company has the most complaints?
The NAIC tracks customer complaints and calculates them as a ratio of complaints to the company's market share, with 1.00 considered average. Among the companies we ranked for renters insurance, Allstate has the highest NAIC rating at 1.32.
What is the cheapest renters insurance company?
Our analysis found State Farm has the cheapest renters insurance at an average of $195 a year for a policy with $40,000 in personal property coverage, $300,000 in liability and a $1,000 deductible. However, insurance rates vary widely by person. Personal factors, such as where you are renting, age, and the amount of coverage needed, significantly impact renters insurance rates.
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