Top Rated U.S. Car Insurance Companies for 2024

North Carolina Farm Bureau earned the highest grade from more than 1,100 automotive collision repair professionals that graded 88 U.S. auto insurance companies based on how well those companies ensure quality repairs and customer service for motorists. Alfa Mutual, Chubb and Erie Insurance rounded out the top four, just as they did last year.

2024 Honor Roll

1North Carolina Farm BureauA+
2Alfa MutualA
4Erie InsuranceA-
5Michigan Farm BureauB+
6Acuity InsuranceB+
7North Star MutualB+
8Rural MutualB+
9Mutual of EnumclawB+
10Grinnell MutualB+
11PURE InsuranceB+
12Amica MutualB+
13Farm Bureau Property CasualtyB+
14Pemco MutualB
15Auto Club (AAA Southern Calif)B
16Pioneer State MutualB
18AAA TexasB
19Westfield InsuranceB
20West BendB
21Cincinnati InsuranceB
22Frankenmuth InsuranceB
24Safety InsuranceB
25Pekin InsuranceB

In fact, among the 10 highest-graded insurers in this year's “Insurer Report Card,” seven were in the Top 10 last year as well. Mutual of Enumclaw, an insurer offering policies in the seven western states, Wisconsin-based Rural Mutual, and midwest insurer North Star Mutual all moved into the Top 10 this year after receiving a B+ grade.

Drivers often have little in the way of tools to help them make an informed decision about their choice of auto insurance, leading many to just choose a well-known, highly-advertised brand, or trying to compare the cost of one company's policy to another's (which may or may not be an apples-to-apples comparison).

One particular challenge: Drivers on average are involved in an accident just once every 10 years, which gives them little opportunity to compare the claims service provided by one insurer over 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 cut-rate 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?”

The survey found that when it comes to auto insurers, bigger may not be better. Looking at just the 10 largest companies – well-known and widely-advertised brands – none of them ranked even among the top 50 in this year's survey rankings.

On the other hand, 25 companies made the 2024 “Honor Roll” by earning an overall grade of a “B” or higher. Although some consumers may be less familiar with these insurers, one or more of these companies likely offer policies in their 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 87 others, download the complete survey results.

Insurer Report Card grades are recognized by:

No reproduction, advertising or other promotional use can be made of the information in this report or CRASH Network survey results without the express prior written consent of CRASH Network.