Best Insurance Companies in the U.S. (September 2023)

Here are the top 20 insurance companies that offer the best policies at affordable rates.

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• Agency Height rating: 4.7 out of 5
• Better Business Bureau rating: A+
• Average annual premium (car): $506

GEICO Insurance Reviews

GEICO is known for its competitive premium rates and a wide variety of discounts. It offers products like home insurance, motorcycle insurance, renters’ insurance, commercial insurance, commercial truck insurance, and much more.

You can choose GEICO insurance products online or through their app in all 50 states. Third-party rating companies highly rate GEICO. A.M. Best gives it an A++, indicating that it’s a trustworthy carrier.

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• Agency Height rating: 4 out of 5
• Better Business Bureau rating: A+
• Average annual premium (car): $558 (minimum coverage)
• Average annual Premium (home): $1300

Allstate Insurance Reviews

Allstate has a strong network of over 12000 exclusive and independent agents/agencies. Allstate offers home, auto, life, and business insurance. Allstate offers numerous physical and online services through its website and proprietary apps to file/track claims and get cheaper insurance. Allstate customers also enjoy a huge range of insurance discounts and access to exclusive UBI programs like Drivewise and Milewise.

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• Agency Height rating: 4 out of 5
• Better Business Bureau rating: A+
• Average annual premium (car): $417(minimum coverage)
• Average Annual Premium (Home): $1069

State Farm Insurance Reviews

State Farm has over 19000 insurance agents, 343 claims offices, and 30 operating centers. Besides car insurance, State Farm sells 24 other insurance products under different categories like home, life, and business. State Farm car insurance and State Farm home insurance have cheaper rates than the national average and incredible discounts. State Farm has agents across all 50 states, and customers can get excellent 24/7 online service through their website and exclusive mobile app.

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• Agency Height rating: 4 out of 5
• Better Business Bureau rating: A+
• Average annual premium (car):$558 (minimum coverage)
• Average Annual Premium (Home): $1300

Progressive Insurance Reviews

Progressive has a long history of providing reliable service and innovative approaches. With over 38,000 insurance agents in its network and over 35 products, Progressive is a one-stop solution for insurance buyers. It offers some of the cheapest auto insurance rates and provides excellent discounts. Progressive insurance has a highly rated mobile app and runs innovative digital programs like Snapshot. In a nutshell, Progressive is a reliable choice for buyers looking for a good insurance partner.

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• Agency Height rating: 4 out of 5
• Better Business Bureau rating: A
• Average annual premium (car): $893 (minimum coverage)
• Average Annual Premium (Home): $2034

Travelers Insurance Reviews

Travelers is another big name in the U.S. insurance market. It is one of the oldest insurance companies in the U.S. Travelers is the 6th largest policy writer of personal insurance and the 2nd largest writer of commercial insurance in U.S. Travelers is a Fortune 500 company that has been rated A++ by A.M. Best. The company has a good claims settlement record and offers innovative digital services like IntelliDrive.

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• Agency Height rating: 3 out of 5
• Better Business Bureau rating: Not accredited
• Average annual premium (car): $1032 (minimum coverage)
• Average Annual Premium (Home):$614 ($250,000 dwelling coverage)

Mercury Insurance Reviews

For more than 61 years, Mercury insurance has offered a wide range of coverage options for businesses, homes, cars, and other valuables. Based in Los Angeles, Mercury has more than 8,000 independent agents working in 11 states.

Mercury Insurance’s car insurance offers collision, comprehensive, uninsured/underinsured motorist, and ridesharing coverage for vehicles. While Mercury homeowners’ insurance only offers a few home insurance options, it does provide several coverage add-ons. Mercury’s typical premiums are often less expensive than the national average, and it is a good choice for anyone looking to get a range of insurance discounts.

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• Agency Height rating: 4 out of 5
• Better Business Bureau rating: A+
• Average Annual Premium (Car): $1304 (minimum coverage)
• Average Annual Premium (Home): $1730 ($250,000 dwelling coverage)

The Hartford Insurance Reviews

The Hartford has been named the World’s Most Ethical Company 12 times by the Ethisphere Institute and is one of the top-rated businesses according to J.D. Power’s survey. When it comes to property and casualty insurance, group benefits, and mutual funds, The Hartford is among the best insurance companies in the U.S.

The insurance provider has also partnered with the American Association of Retired Persons to offer discounted rates and benefits to AARP members. The Hartford is well known for its helpful customer service and round-the-clock claims support with an A+ from A.M. Best. For AARP members, customers of age 50 and above, and young drivers shopping for insurance, The Hartford might be one of the best options.

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• Agency Height rating: 4 out of 5
• Better Business Bureau rating: A+
• Average Annual Premium (Car): $879 (minimum coverage)
• Average Annual Premium (Home): $1730 ($250,000 dwelling coverage)

Liberty Mutual Reviews

Liberty Mutual Insurance is one of the best insurance companies with an excellent A.M. Best financial strength rating. According to US News, Liberty Mutual’s homeowners’ insurance policies ranked among the top 9 best homeowners’ insurance companies in the country for 2023. The insurance company also allows customers to purchase standard or customized auto insurance coverage online.

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• Agency Height rating: 4 out of 5
• Better Business Bureau rating: A+
• Average Annual Premium (Car): $879 (minimum coverage)
• Average Annual Premium (Home): $1763 ($250,000 dwelling coverage)

Chubb Insurance Reviews

Chubb Insurance is the largest publicly traded provider of property and liability insurance. Chubb has over 14,000 insurance brokers and is mostly known for its outstanding customer service and underwriting capabilities.

The insurance company offers a wide selection of insurance plans, ranging from common sorts like renters’ insurance and homeowners’ insurance to more specialized ones like condo or co-op insurance. The business also provides flood insurance. Chubb’s Masterpiece Home Insurance and Masterpiece Auto Insurance Policies are the ideal solutions to safeguard your high-value possessions and personal property thanks to features like extended replacement cost and substantial loss-of-use limits.

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• Agency Height rating: 4 out of 5
• Better Business Bureau rating: Not accredited
• Average Annual Premium (Home): $25/month

Lemonade Insurance Reviews

Lemonade Insurance is a well-known name in the property and casualty insurance sector. It is a New York-based insurance company founded in 2015. Starting at a $25 monthly homeowners insurance premium, Lemonade Insurance is America’s favorite homeowner’s insurance. Lemonade’s auto insurance is only available in Illinois and Tennessee. Lemonade insurance agents offer customers a practical way to get insurance coverage, manage claims, and get insurance information through a simple mobile app.

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• Agency Height rating: 4 out of 5
• Better Business Bureau rating: A+
• Average Annual Premium (Car): $1200

Hagerty Insurance Reviews

Hagerty Insurance is an American automotive lifestyle brand that offers membership and insurance services to classic car lovers worldwide. It has been protecting America’s iconic vehicles for over 80 years. Hagerty insurance agents cover all types of cars, trucks, motorcycles, tractors, and boats – ensuring your beloved vehicle is always in good hands. Meriting recognition from the BBB with their A+ rating too; it’s no surprise that Hagerty continues to receive top customer satisfaction ratings across the United States today.

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• Agency Height Rating: 4 out of 5
• A.M. Best Rating: A-
• 10% discount on BOP coverage to workers’ compensation policyholders.

AmTrust Insurance Reviews

AmTrust Insurance, a Manhattan-based insurance company, was founded in 1998 to serve small businesses in the U.S. They’ve evolved into a market-leading insurance company specializing in small business insurance focusing on workers’ compensation. Within two years of its establishment, the company had grown into the European market, serving 70 nations today. It received an “A-” from A.M. Best, indicating outstanding financial stability. However, AmTrust’s ratings have fallen from “A” to “A-due to economic instability.

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• Agency Height rating: 4 out of 5
• Better Business Bureau Rating: A++(superior)
• Average Annual Premium (Life): $160 per year

MassMutual Insurance Reviews

MassMutual has served customers with financial products since 1887, giving over 11 million people nationwide access to life insurance options. MassMutual agents offer an extensive selection of term and universal policies, and different types of annuities in addition to their traditional whole-life or mixed plans. MassMutual also provides brokerage services backed by knowledgeable staff that can assist you find a plan tailored to your specific requirements.

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• Agency Height rating: 4 out of 5
• Better Business Bureau Rating: A++(superior)
• A.M Best: A-
• Average Annual Premium (Car): $2,856

Encova Insurance Reviews

Encova Insurance, a super-regional carrier with 90 years of industry experience, proudly offers insurance services across 29 states. It ranks among the top 20 mutual insurers in the U.S. and serves 17,000 independent agents through 2000 agencies nationwide. Its car coverage protects private vehicles such as automobiles, SUVs, vans, and more; having earned an A rating from Better Business Bureau (BBB), Encova’s commitment to customer satisfaction is solidified by its dedication to addressing grievances efficiently.

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• Agency Height Rating: 3 out of 5
• Better Business Bureau Rating: A++(superior)
• Average Annual Premium (Home): $1,776

Swyfft Insurance Reviews

Swyfft Insurance is a trusted insurtech company offering homeowners’ and commercial insurance coverage since 2014. Utilizing patented analytical methods, customers can receive real-time estimates for home insurance instantly. Moreover, registered agents provide 24/7 customer service through phone calls or online inquiries to ensure swift and effective claims processing. The Better Business Bureau has rated Swyfft’s operations as Excellent (A), attesting to their commitment to rendering reliable services while responding promptly to any consumer complaints they may have received throughout the years.

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• Agency Height Rating: 4 out of 5
• AM Best Rating: A
• Membership Benefit Plan: $28/month

Humana Insurance Reviews

Humana Insurance Business, also known as HMO Indiana, Inc., is a health insurance company based in Louisville, Kentucky offering coverage to individuals and families. Individual and family health insurance plans, Medicare Advantage plans, and prescription medication plans are among the services provided by the organization. In 2021, the company ranked 41 on the Fortune 500 list, which made it the highest-ranked company based in Kentucky. It is the second largest Medicare plan provider in the U.S., with a solid financial strength rating as per AM Best Rating.

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