U.S. News & World Report publishes independent reports to empower consumers making important decisions about their lives. We analyzed major car insurance providers in the U.S., focusing on what matters most to consumers: cost, customer satisfaction and policy features. Here’s a breakdown of our process.
We Chose the Providers You Care About
We identified 25 car insurance providers in the U.S. through the National Association of Insurance Commissioners (NAIC) database. From there, we narrowed our focus to providers with the highest market share, consumer online searches and state availability. This reduced the number of companies in our rating analysis to 20.
We Collected and Analyzed Data
We collected 3,037 data points across three key metrics to get a complete picture of each provider’s performance. We then applied weights to each metric based on what consumers care most about, according to a survey we conducted to gauge what’s important to drivers when they are shopping for car insurance.
- We Analyzed the Premium Rates (28% of U.S. News Rating). We analyzed the policy rates provided by Quadrant Information Services. These rates were calculated based on several factors that impact premium cost, including age, gender, credit score, car model, driving record and more. To determine the average annual rate used in our analysis, we calculated the premium cost for a 40-year-old man and woman with good credit scores and clean driving records, who drive a 2020 Toyota Camry with an annual mileage of 14,000 miles and a 25-mile daily commute. We used a full coverage level.*
- We Examined Customer Satisfaction (40% of U.S. News Rating). We conducted two surveys in February 2025 and July 2025 of 2,183 car insurance policyholders (1268 women and 976 men with an average age of 45.6 years) to assess their satisfaction with their policies, value, claim outcomes, discounts and customer service. In addition to the survey, we collected NAIC indexes, which reflect complaints related to delayed claims handling, unsatisfactory claim settlement and claim denials.
- We Reviewed Company and Policy Details (32% of U.S. News Rating). We collected details about each car insurance policy from company websites, such as types of coverage available, any additional coverage add-ons, discounts and where the companies operate.
We Aggregated the Weighted Data
We combined these weighted key metrics to create our U.S. News Rating on a 5-point scale. The U.S. News Rating for each car insurance provider allows us to make service comparisons and ratings. The ratings are periodically updated based on the latest information we collect from third-party databases, surveys and online sources.
* Full coverage refers to: $100,000/$300,000 bodily injury coverage, comprehensive and collision coverage with a $500 deductible, $50,000 property damage coverage, $100,000/$300,000 uninsured/underinsured motorist (UIM) coverage, and any other mandatory coverages a state may require.
