Top Rated U.S. Car Insurance Companies for 2025

North Carolina Farm Bureau earned the highest grade from more than 1,100 automotive collision repair professionals that graded 97 U.S. auto insurance companies based on how well those companies ensure quality repairs and customer service for motorists. Chubb, Acuity Insurance, Michigan Farm Bureau, Alfa Mutual and Erie Insurance rounded out the top six, just as they did last year. In fact, among the 10 highest-graded insurers in this year’s “Insurer Report Card,” eight were in the Top 10 last year as well.

Many drivers won’t see their auto insurer on this year’s “Honor Roll” (though they can download the full report below to see the ranking for all 97 insurers that received a grade this year). That’s because none of the 10 largest insurance companies – well-known and widely-advertised brands – even ranked among the 60 highest-graded insurers this year.

Drivers often have little in the way of tools to help them make an informed decision about their choice of auto insurance. That may lead some to choose based primarily on price (possibly without a true apples-to-apples comparison), or to choose a company they’re aware of because it spends millions of dollars a year on advertising.

After all, most drivers are involved in an accident just once every 8-12 years, giving them little opportunity to compare the claims service provided by one insurer versus another.

But collision repair professionals at body shops around the country deal with many insurance companies on a daily basis, seeing first-hand how those companies take care of customers after an accident. They know, for example, which insurers pressure them to use low-cost parts, refuse to pay for repair procedures needed to ensure a high-quality repair, or add unnecessary delays to the repair and claims process.

To provide consumers a tool they can use when choosing an auto insurer, CRASH Network asks collision repairers each year to grade insurance companies based on one simple question: “How well does this company’s claims handling policies, attitude and payment practices ensure quality repairs and customer service for motorists?”

While the 10 largest auto insurers each received a grade of “C+” or lower, 30 other companies made the 2025 “Honor Roll” by earning an overall grade of a “B” or higher. Although you may be less familiar with some of these insurers, it’s likely one or more of them offer policies in your state. Choosing a top-ranked regional insurer also offers consumers the opportunity to spend their insurance dollars “locally,” keeping it closer to home.

To see how your insurance company compares to 96 others, download the complete survey results.