The best and worst renters insurance companies for customer satisfaction
For 2026, J.D. Power's annual survey ranked State Farm, Erie Insurance and Amica 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.
Mercury ranked the lowest at 621; The Hartford and Auto-Owners were also at the bottom of the list.
Amica dropped from first to third place this year, with State Farm rising from fifth place last year to earn the top spot. Allstate rose significantly from last year's 13th-place finish to eighth this year.
| 2026 ranking | Company | Score out of 1,000 | 2025 ranking |
|---|---|---|---|
| 1 | State Farm | 702 | 5 |
| 2 | Erie | 692 | 2 |
| 3 | Amica | 689 | 1 |
| 4 | American Family | 680 | 6 |
| 5 | Nationwide | 678 | 4 |
| 6 | Lemonade | 674 | 8 |
| 7 | Progressive Home | 672 | 12 |
| 8 (tie) | Allstate | 667 | 13 |
| 8 (tie) | Farmers | 667 | 11 |
| 10 | Automobile Club of Southern CA (AAA) | 666 | 9 |
| 11 | CSAA Insurance Group | 657 | 3 |
| 12 | Liberty Mutual (Includes former Safeco) | 656 | 8 |
| 13 | Travelers | 646 | 7 |
| 14 | Auto-Owners | 639 | 10 |
| 15 | The Hartford | 622 | 14 |
| 16 | Mercury | 621 | Not ranked |
It's important to note that while USAA had the highest score at 731, it's not included in this study because it doesn't meet study criteria. USAA's insurance coverage is exclusively for military members and their families.
How does J.D. Power rate renters insurance companies?
The 2026 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 2026, the segment average for renters insurance companies was 682.
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. “2026 U.S. Home Insurance Study.” Accessed September 2026.
FAQ: Renters insurance companies
Which renters insurance company is best for customer satisfaction?
According to J.D. Power, State Farm offers the best customer satisfaction for renters insurance. Erie and Amica 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, Progressive has the highest NAIC rating at 1.5.
What is the cheapest renters insurance company?
Our analysis found State Farm has the cheapest renters insurance at an average of $208 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 from person to person. Personal factors, such as where you are renting, age, and the amount of coverage needed, significantly impact renters insurance rates.
Helpful home insurance tools and calculators
