The Top-Rated Car Insurers Across America in 2025

For the first time in several years, auto insurers are showing profits, according to J.D. Power’s 2025 U.S. Auto Insurance Study. Unfortunately, their policyholders are feeling less giddy about the industry today.

More than one-third — 38% — of policyholders say they are not very satisfied with their car insurer, J.D. Power says. Years of significant price increases are likely driving that dissatisfaction, according to the data analytics firm.

J.D. Power says such dissatisfaction is bad news for insurers, as customers who are especially unhappy with their insurers are less likely to renew their policies and more likely to shop around for a better deal.

Overall, customer satisfaction with auto insurers fell 2 points on a 1,000-point scale to 644. Just two years ago, that number stood at a much higher 822. And even then, satisfaction was falling sharply from prior years.

J.D. Power’s 2025 study measured customer satisfaction with car insurance based on a poll of more than 48,000 car insurance customers in 11 regions. The study evaluated seven facets of customer satisfaction:

• Level of trust
• Price for coverage
• People
• Ease of doing business
• Product/coverage offerings
• Problem resolution
• Digital channels

The best auto insurer in every region

Some insurers still earn relatively high marks for customer satisfaction. The following insurers ranked highest in the regions included in the study:

• California: Automobile Club of Southern CA (AAA) (which earned an overall customer satisfaction score of 676 out of 1,000)
• Central (Arkansas, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, Oklahoma and South Dakota): Shelter Insurance (673)
• Florida: Allstate and Geico (660 each)
• Mid-Atlantic (Delaware, District of Columbia, Maryland, New Jersey, Pennsylvania, Virginia and West Virginia): NJM Insurance Co. (721)
• New England (Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island and Vermont): Amica (735)
• New York: New York Central Mutual (652)
• North Central (Illinois, Indiana, Michigan, Ohio and Wisconsin): Erie Insurance (684)
• Northwest (Idaho, Montana, Oregon, Washington and Wyoming): State Farm (648)
• Southeast (Alabama, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina and Tennessee): Erie Insurance (718)
• Southwest (Arizona, Colorado, Nevada, New Mexico and Utah): CSAA Insurance Group (AAA) (676)
• Texas: Nationwide (657)

Some of this year’s top-ranking insurers have scored high for customer satisfaction year after year. For example, Shelter topped the Central region for the fifth consecutive year, as did Erie in the North Central.

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Three other insurers topped their categories for the second straight year: Automobile Club of Southern CA (California), Amica (New England) and CSAA Insurance Group (Southwest).

J.D. Power also ranked customer satisfaction with usage-based insurance, which bases policy rates on factors like driving habits, age and location. Nationwide earned the highest score in this category — 698 out of 1,000 — and also topped the category for a second year in a row.

Find out where customers say is the best place for car maintenance and repairs in “This Is the Best Place to Get Your Car Serviced — for 6 Years in a Row Now.”