How We Rank Insurance Companies

Our transparent, data-driven methodology ensures unbiased rankings you can trust.

Our Ranking Methodology

We evaluate auto insurance companies across five key criteria, each weighted based on its importance to consumers. Our rankings are updated quarterly to reflect the latest data.

1. Customer Satisfaction

30% Weight

How satisfied are actual customers with their insurance company?

• J.D. Power ratings and surveys
• Consumer complaints data from state regulators
• Online review aggregation (Google, Trustpilot, BBB)
• Claims satisfaction scores

2. Pricing & Value

25% Weight

Are premiums competitive for the coverage provided?

• Average premium comparisons across driver profiles
• Available discounts and savings opportunities
• Price stability (rate increase history)
• Value for coverage received

3. Coverage Options

20% Weight

Does the insurer offer comprehensive coverage options?

• Range of coverage types available
• Add-on options (gap, rental, roadside)
• Customization flexibility
• Unique coverage features

4. Financial Strength

15% Weight

Can the insurer pay claims and remain stable?

• AM Best financial strength rating
• S&P and Moody's credit ratings
• Market share and company size
• Claims-paying history

5. Digital Experience

10% Weight

How easy is it to get quotes, manage policies, and file claims?

• Website and mobile app quality
• Online quote and purchase process
• Digital claims filing capabilities
• Self-service account management

What Doesn't Affect Rankings

To maintain editorial independence, the following do NOT influence our rankings:

❌ Advertising relationships or sponsorships
❌ Affiliate commission rates
❌ Direct payments from insurance companies
❌ Personal relationships with insurers

Data Sources

We gather data from reputable, independent sources:

• J.D. Power - Customer satisfaction studies
• NAIC - National Association of Insurance Commissioners data
• AM Best - Financial strength ratings
• State Insurance Departments - Complaint data
• Consumer Reviews - Aggregated from multiple platforms

See Our Rankings in Action

Compare top-rated insurers based on our methodology.

View Top Insurance Companies →