Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jul 29, 2021

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Car insurance comparison is critical to find the best car insurance rates but there is more to buying the right auto insurance than just premiums.

Every many industry reports evaluate car insurance companies across a wide range of variables including policy offering, financial strength, customer satisfaction and more.

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One of the most popular auto insurance rating agencies is J.D. Power & Associates who annually publishes what’s known as the “National Auto Insurance Study”. This study breaks down car insurance companies by 5 areas:

  • Overall Customer Satisfaction – How policyholders are satisfied overall with the insurer
  • Contacting the Insurer – A score comprise of how policyholders rate their customer service experience dealing with a particular company whether its online, by phone or in-person
  • Policy Offerings – how policyholders score the range of auto insurance products offered and how they match their needs
  • Billing and Payment – How customers score the car insurance company’s billing and payment system including invoicing and payment options.
  • Pricing – A measure of how policyholders score car insurance companies based on the car of insurance vs. the amount of coverage provided

While the results of this study do not reflect the experience of every policyholder they do represent a fair enough proportion to provide a valuable insight into what you can expect from a long line of car insurance companies

About the 2010 J.D. Power National Auto Insurance Study

Results of the 2010 J.D. Powers and Associates National Auto Insurance Study are below. The overall award winner of the 2010 National Auto Insurance Study was the Amica Mutual Insurance Company with 5-star rating across all categories.

The only other company to receive a 5 star rating across all the 6 categories was USAA however since USAA Auto Insurance has membership restrictions (members and family of the US Military only) they were eligible only to be rated but not awarded.

It’s very noteworthy to add that Amica Mutual Car Insurance has won this won award 11 consecutive times!

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Do these car insurance rankings always tell who the best car insurance company is?

No. They do however provide valuable insight into customer service and policy options for many car insurance companies nationwide. While many of these providers do have significant market shares the real judgment of whom the best company is for your profile really depends on all your needs.

Companies like Esurance sell coverage only on-line while collector car owners may opt for the Hagerty Insurance Company for specialized coverage.

High-risk drivers may very well find companies like the General Auto Insurance much more open to providing fair coverage at affordable prices.

The results of any study published should only be used as one factor in your overall decision of choosing a provider and not the sole reason.

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What were the results of J.D. Power and Associated 20201 National Auto Insurance Study?

The published results of the 2010 study of car insurance companies nationwide by J.D. Powers were:

COMPANY Overall Satisfaction Customer Service Policy Products & Offerings Billing and Payment Pricing
Amica Mutual          
USAA          
 
 
 
 
 
 
 
 
 
 
Shelter
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Country Financial          
Alfa Insurance          
 
 
 
 
 
Progessive    
 
   
Kemper  
 
     
State Auto  
 
     
The Hartford        
 
Grange  
 
     
Allstate