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: Mar 12, 2019

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Most auto insurance companies are rated by a number of agencies including A.M. Best, Moody’s and Standard & Poor’s on their financial performance.

These auto insurance ratings can often be found by visiting the website of an auto insurance company or googling a search such as “2011 Geico car insurance ratings”.

Always include the current year in your search to find the most relevant information.

Use our FREE quote tool to compare auto insurance rates today!

Who has the best auto insurance rates? 

Financial ratings certainly play a role in the ability of any auto insurance company to pay claims but remember what happened on Wall Street? Choosing a company solely based on its financial ratings is never a good thing to do.

You have to look at a combination of things including customer service reviews, number of complaints and even intangible factors such as hours of operation, account management tools and more.

There are many auto insurance companies who all have comparable ratings but drivers need to choose an insurer based on much more than just an A, A+ or A++ rating.

How should you research an auto insurance company?

There are many ways to start researching auto insurance companies and your auto insurance comparison search should incorporate many of these methods to find a suitable insurer for your needs.

Ask Friends and Relatives

Sometimes a personal recommendation is the highest form of rating you need however when looking for an auto insurance company from friends and relatives it can be a little tricky.

First of all, you need to ask people who have the same needs as you. A friend with a 1971 clunker or a relative with a DUI charge may just have the best auto insurance company for their situation but this is probably not the same as yours.

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How much is auto insurance per month?

You also want to ask people you know if they ever filed a claim with a company. This is the trump card in a personal recommendation.

Almost anyone you know writes a check for auto insurance and has probably called the customer service center at one time or another but what you need to know is how an auto insurance company performed when it was time to a pay a claim.

Any insurer can accept a check and make you feel like a happy customer but the test is when they have to pay.

Contact Your State Department of Insurance

You want to do this for two reasons. One is to make sure any potential auto insurance companies are actually licensed by the state and the second is to inquire about the number of complaints.

Sometimes even the auto insurance companies with fancy ads and billboards have numerous consumer complaints against them and with so many options in the marketplace, you will sleep better choosing an insurance provider without so much hate mail.

Many states have online searches available to look up auto insurance companies but it’s always a good idea to call the state department since you never really know when these websites have been updated last.

Where can I find a list of the best auto insurance companies?

There is no master list of the best auto insurance companies since auto insurance really is issued on a unique policyholder level.

The best provider for you may not be the same for Uncle Tom or Aunt Sally. Most states have over 100 licensed auto insurance companies and with such competition, there are often numerous auto insurance companies who all provide comparable service.

You can look into reports like the J.D. Power National Auto Insurance Study to get a feel for some of the major auto insurance companies but even well-recognized reports like this do not review all your insurance company choices.

At the end of the day, you simply need to find a provider with sufficient ratings and reviews which help you feel comfortable in the event of a claim. The key to this will be to compare auto insurance companies and never take the first quote.

With a little bit of work, you should have no problem finding multiple candidates as potential auto insurance companies.

Use our FREE quote tool to compare auto insurance rates today!

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