Affordable Auto Insurance Companies With Great Customer Service (2026)
Which auto insurance company has the best customer service? According to our metrics, Erie Insurance, USAA, and Auto-Owners Insurance are the top three auto insurance companies with the best customer service rankings. We judged customer service rankings by overall customer satisfaction, contact center satisfaction, website experience, and more.
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Table of Contents
Table of Contents
Managing Editor
Daniel S. Young began his professional career as chief editor of The Chanticleer, a Jacksonville State University newspaper. He also contributed to The Anniston Star, a local newspaper in Alabama. Daniel holds a BA in Communication and is pursuing an MA in Journalism & Media Studies at the University of Alabama. With a strong desire to help others protect their investments, Daniel has writt...
Daniel S. Young
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Kristen Gryglik
Updated May 2025
Some people buy car insurance based on price alone. Many people, however, consider customer service when shopping for car insurance.
Let’s find out which insurance companies have the best customer service rankings? Which companies have invested in making the customer experience as easy and accessible as possible? Keep reading to discover the best car insurance companies for customer service.
How is customer service tracked?
Customer service can refer to several aspects of a car insurance company.
One of the best ways to track customer service is to look at the latest J.D. Power rankings. J.D. Power polls thousands of auto insurance customers across the United States every year, including consumers who have completed real claims from each insurance company. Based on the responses, J.D. Power compiles rankings for things like overall satisfaction, policy offerings, price, local agent experience, customer service representative experience, and insurer website.
We can also track customer service by looking at review aggregators online. Generally, however, rankings organizations provide the best metric, because few people leave reviews for their car insurance company unless they’ve had a bad claims experience.
We also judge the customer service experience of car insurance companies based on the number of complaints received by the National Association of Insurance Commissioners (NAIC), which is the standard-setting and regulatory support organization for insurance companies in all 50 states. The organization accepts complaints from insurance customers in every state. Based on the number of complaints received by each insurance company, we can assess each company’s customer service experience.
To compile our rankings, we analyzed all of the following information:
- Overall Customer Satisfaction
- Customer Satisfaction with Price
- Call Center Experience
- Local Agent Customer Service Experience
- Website Experience
All of these metrics directly impact the customer experience in some way or another. With that in mind, here are the best car insurance companies in the United States for customer service.
Auto Insurance Companies: Customer Satisfaction and Complaint Scores| Insurance Company |  |  |
|---|---|---|
 | Score: 691 / 1,000 Below Avg. Satisfaction | Score: 1.02 Avg. Complaints |
 | Score: 706 / 1,000 Avg. Satisfaction | Score: 1.32 More Complaints Than Avg. |
 | Score: 692 / 1,000 Below Avg. Satisfaction | Score: 0.52 Fewer Complaints Than Avg. |
 | Score: 717 / 1,000 Avg. Satisfaction | Score: 4.28 More Complaints Than Avg. |
 | Score: 728 / 1,000 Avg. Satisfaction | Score: 0.90 Fewer Complaints Than Avg. |
 | Score: A+ Excellent Business Practices | Score: 1.11 Avg. Complaints |
 | Score: 710 / 1,000 Avg. Satisfaction | Score: 0.84 Fewer Complaints Than Avg. |
 | Score: 684 / 1,000 Below Avg. Satisfaction | Score: 3.96 More Complaints Than Avg. |
 | "Score: 882 / 1,000 Above Avg. Satisfaction" | "Score: 1.74 More Complaints Than Avg." |
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Does Erie Insurance have excellent customer service?
Erie Insurance arguably has better customer service than any major car insurance company in the United States. In the 2019 J.D. Power rankings, Erie Insurance received perfect 5/5 scores for overall satisfaction, policy offerings, price, and local agent experience. Because of these impressive metrics, Erie Insurance was awarded J.D. Power’s highest award in the latest study rankings.
Does USAA have happy customers?
USAA consistently scores well compared to all major car insurance companies in the United States. The company has very strong rankings in terms of price, value, customer satisfaction, and other metrics. The only ‘catch’ is that USAA is not open to the public: it’s only available to active-duty US military, veterans, and their families. If you are eligible to sign up for USAA auto insurance, however, then we recommend requesting a quote. The company scores particularly well for customer service. In the latest J.D. Power rankings, USAA scored perfect 5/5 scores for policy offerings, good customer service experience, and website experience. USAA received a 4/5 score in overall satisfaction and a 4/5 score for price.
Does Auto-Owners Insurance meet customer expectations?
Auto-Owners Insurance isn’t one of the biggest or best-known car insurance companies in the United States.
However, the company scores very well for customer service, including a perfect 5/5 score for customer support team experience in the latest J.D. Power rankings. Auto-Owners Insurance scored 4/5 overall, including 4/5 star scores in policy offerings and price. Overall, Auto-Owners Insurance doesn’t quite have the full customer service package to compete with the top providers on our list, although the company is still one of the best in the country for customer service.
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Does Esurance go the extra mile?
Most of the biggest car insurance companies in the United States rank poorly for customer service. Esurance is one outlier. The company scored 4/5 in the latest J.D. Power rankings for customer service, much higher than competitors like Liberty Mutual and State Farm. Esurance even scored one point better than its parent company, Allstate! Overall, Esurance scored 4 stars out of 5, including 4/5 scores for policy offerings, price, contact center representative experience, and website experience.
Does Amica Mutual have a customer focus?
Amica Mutual frequently scores among the top car insurance companies in the United States for customer service according to most major ranking services. Amica has fewer complaints to the NAIC compared to car insurance companies of its service. Loyal customers also love that Amica distributes several free perks most insurers don’t offer, including free lock replacement and air bag replacement. Amica isn’t one of the biggest car insurance companies in the United States, but it punches above its weight in terms of customer service.
Does Safeco focus on maintaining customer loyalty?
Safeco scores 4/5 overall in the latest J.D. Power rankings, but the company received its highest score for its good customer service experience. Customers gave Safeco a perfect 5/5 score for its customer support team experience. The Seattle-based company is particularly popular and well-rated in the Pacific Northwest, where it consistently ranks among the top providers. Safeco also scored 4/5 stars for price and local agent experience, along with a 3/5 score in policy offerings.
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Are customers happy with The Hanover?
The Hanover, like many insurance companies on this list, isn’t the largest or best-known insurance company in the United States. Still, it scores very well for customer service and other metrics. The Hanover had far fewer than the median number of complaints to state regulators for home and auto insurance, for example. Customers appreciate a smooth claims experience and friendly call center employees, and an exceptional customer service team. They also score the company well for its policy and coverage options. Overall, The Hanover is one of the best-rated insurance companies in the United States for customers in its coverage area.
Does NJM provide an exceptional customer experience?
NJM is one of the best-rated insurance companies in the United States for customer service, although it’s only available to customers in New Jersey and Pennsylvania. If you’ve never heard of NJM, then that’s okay: until 2018, New Jersey Manufacturers Insurance (NJM) was only available to members of certain groups. Those restrictions have been dropped, and now, NJM sells insurance products throughout New Jersey and Pennsylvania. NJM receives much fewer complaints to the NAIC than average. The company also operates as a mutual insurance company, paying out dividends and premium credits to policyholders.
Read more: NJM Insurance Group Auto Insurance Review: Can you get affordable quotes?
Does Automobile Club Group maintain customer happiness?
Automobile Club Group is one of three companies under the AAA car insurance umbrella. AAA sells car insurance in most states, although they use different subsidiary companies in these states. The three companies include Automobile Club Group, Auto Club of Southern California, and CSAA Insurance Group. All companies are well-rated for customer service, although Auto Club of Southern California and Automobile Club Group have particularly strong ratings. Auto Club of Southern California, for example, received a perfect 5/5 score for its website experience on the latest J.D. Power rankings, indicating customers had a smooth and hassle-free experience with the company’s website. Overall, customers tend to pay more for AAA car insurance, but they also report some of the highest customer service experience and claims satisfaction ratings.
Read More: CSAA Insurance Group Auto Insurance Review: Can you get affordable quotes?
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What’s our final word?
An insurer’s customer service reputation should be important to individual customers. Consider requesting a quote from one of the car insurance companies listed above if you value great customer service and strong customer satisfaction in your car insurance company.
Frequently Asked Questions
How is customer service tracked in the auto insurance industry?
Customer service in the auto insurance industry is tracked through various methods, including J.D. Power rankings, review aggregators, and the number of complaints received by the National Association of Insurance Commissioners (NAIC).
Does Erie Insurance provide excellent customer service?
Yes, Erie Insurance is known for its excellent customer service. It has received perfect scores in overall satisfaction, policy offerings, price, and local agent experience in the J.D. Power rankings.
Is USAA known for having happy customers?
Yes, USAA consistently scores well in terms of customer satisfaction. It has strong rankings in price, value, and customer service, although it is only available to active-duty US military, veterans, and their families.
Does Esurance go the extra mile in terms of customer service?
Yes, Esurance stands out among major car insurance companies with its customer service. It scored well in the J.D. Power rankings for customer service, policy offerings, price, and website experience.
Does Amica Mutual have a customer-focused approach?
Yes, Amica Mutual is highly regarded for its customer service. It has fewer complaints compared to other companies, and it offers additional perks such as free lock replacement and airbag replacement.
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