D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 16, 2020

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The Highlights

  • We found that Liberty Mutual is the highest rated auto insurance company
  • The “best insurance companies” look different to customers based on circumstance and need
  • Use resources like Expert Insurance Reviews, AM Best, and other credible sources to do your research.

Looking for the best insurance companies, and not sure where to start in finding a good insurance policy?

Read through this post to find business insurance reviews as well as reviews for some of the best auto insurance companies and other providers that we recommend to answer your questions about the best car insurance companies, life insurance, commercial insurance, and more.

Before learning more about the best insurance companies, use your ZIP code for the best insurance rates today from top insurance companies across the country.

How can you find the best insurance company for you?

Every company has been screened and selected based on specific criteria for each insurance type. Keep reading to learn more about eight of the 10 best insurance companies in the U.S., including some of the best new insurance companies.

This review is for the best insurance companies for consumers rather than for the best insurance companies to work for, so it’s a great place to start for your insurance shopping. Those looking for the best insurance companies for home and auto, including for young drivers or for speeding tickets, read on.

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Best Auto Insurance: Liberty Mutual

What is the best auto insurance companies? To determine the best car insurance companies, we looked at a number of factors, including availability, size, rates, customer service, and more.

Our research indicates Liberty Mutual is one of the best for auto insurance coverage and is one of the top 10 insurance carriers in the country. Keep reading to learn more.

Why is Liberty Mutual recommended for auto insurance?

Liberty Mutual is a top insurance provider for cars in the United States and consistently ranks high in customer satisfaction.

Customer Satisfaction

As one of the top 10 largest auto insurance companies, Liberty Mutual is sometimes able to use its scale to keep rates below average.

Individuals can get an auto insurance quote directly from their website, over the phone, or through a licensed agent. Liberty Mutual can also provide insurance for homeowners, renters, and motorcycle owners, which makes it a great choice for anyone looking at multiple lines of coverage.

What is Liberty Mutual’s rates by state?

Liberty Mutual is available in most states. Take a look at this table to see the average rates for each state.

Average Annual Liberty Mutual Insuarance Rates by State
StateAnnual Average Rates by StateLiberty Mutual Annual Average Rates by State
Alaska$3,421.51$5,295.55
Alabama$3,566.96$4,005.48
Arkansas$4,124.98Data Not Available
Arizona$3,770.97Data Not Available
California$3,688.93$3,034.42
Colorado$3,876.39$2,797.74
Connecticut$4,618.92$7,282.87
District of Columbia$4,439.24Data Not Available
Delaware$5,986.32$18,360.02
Florida$4,680.46$5,368.15
Georgia$4,966.83$10,053.44
Hawaii$2,555.64$3,189.55
Iowa$2,981.28$4,415.28
Idaho$2,979.09$2,301.51
Illinois$3,305.48$2,277.65
Indiana$3,414.97$5,781.35
Kansas$3,279.62$4,784.42
Kentucky$5,195.40$5,930.97
Louisiana$5,711.34Data Not Available
Maine$2,953.28$4,331.39
Maryland$4,582.70$9,297.55
Massachusetts$2,678.85$4,339.35
Michigan$10,498.64$20,000.04
Minnesota$4,403.25$13,563.61
Missouri$3,328.93$4,518.67
Mississippi$3,664.57$4,455.94
Montana$3,220.84$1,326.11
North Carolina$3,393.11$2,182.71
North Dakota$4,165.84$12,852.83
Nebraska$3,283.68$6,241.52
New Hampshire$3,151.77$8,444.41
New Jersey$5,515.21$6,766.62
New Mexico$3,463.64Data Not Available
Nevada$4,861.70$6,201.55
New York$4,289.88$6,540.73
Ohio$2,709.71$4,429.74
Oklahoma$4,142.33$6,874.62
Oregon$3,467.77$4,334.55
Pennsylvania$4,034.50$6,055.20
Rhode Island$5,003.36$6,184.12
South Carolina$3,781.14Data Not Available
South Dakota$3,982.27$7,515.99
Tennessee$3,660.89$6,206.69
Texas$4,043.28Data Not Available
Utah$3,611.89$4,327.76
Virginia$2,357.87Data Not Available
Vermont$3,234.13$3,621.08
Washington$3,059.32$3,994.73
West Virginia$2,595.36$2,924.39
Wisconsin$3,606.06$6,758.85
Wyoming$3,200.08$1,989.36
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As you can see, rates vary by state. Liberty Mutual also takes into consideration a number of personal factors that will affect your specific rates.

What are Liberty Mutual car insurance ratings?

Various companies provide information on customer satisfaction, complaints, etc. for companies in the insurance industry. Take a look at this table to see what J.D. Power has to say about Liberty Mutual’s customer service.

JD Power Customer Satisfaction Ratings on Liberty Mutual
RegionOverall Customer Satisfaction Index Rating (1,000 pt scale)JD Power Circle Rating (5 pt scale)
California8083
Central Region8112
Florida8273
Mid-Atlantic8172
New England8082
New York8193
North Central Region8022
Northwest Region7922
Southeast Region8092
Southwest Region8133
Texas8022
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AM Best looks at financial ratings for companies, which provide an indication of the financial stability and outlook for those companies. Take a look at this video to learn more.

A.M. Best currently rates Liberty Mutual as an A, which indicates a stable outlook and is a good sign of financial strength.

What are the most popular auto insurance companies in America?

Liberty Mutual is our pick for the best car insurer, but it’s far from the only auto insurer.

The two biggest companies are State Farm and Geico. By direct premiums written, the next largest auto insurers are Progressive, Allstate, and USAA.

Get the best insurance plan for you today by using our FREE tool.

What companies offer car insurance discounts?

One important thing to look at here is how many companies offer car insurance discounts for your insurance premiums. You can see these in the table below.

Auto Insurance Discounts by Company
Auto Insurance Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAASources:
Adaptive Cruise Controlxxxxhttp://www.21st.com/car-insurance-by-state.htm
Adaptive Headlightsxxxxxxxxhttp://autoclubsouth.aaa.com/Insurance/Auto_Insurance_Quote.aspx
Anti-lock Brakesxxxxxxxxxxxxxxxxxxxxxxhttps://www.allstate.com/auto-insurance/auto-insurance-discounts.aspx
Anti-Theftxxxxxxxxxxxxxxxxxxxxxxhttps://www.amfam.com/resources/discounts
Claim Freexxxxxxxxxxxxxxxxxxxxxxhttps://www.ameriprise.com/auto-home-insurance/Costco/insurance-choices/auto/auto-insurance-discounts.asp
Continuous Coveragexxxxxxxxxxxxxxxhttps://www.amica.com/en/products/auto-insurance/discounts.html
Daytime Running Lightsxxxxxxxxxxxxxxxxxxhttps://www.countryfinancial.com/en/insurance/auto-recreational/auto.html
Defensive Driverxxxxxxxxxxxxxxxxxxxxxxhttps://www.esurance.com/insurance/car/discounts
Distant Studentxxxxxxxxxxxxxxxhttps://www.farmers.com/faq/discounts/#autodefinitions
Driver's Edxxxxxxxxxxxxxxxxxxxxhttps://www.geico.com/save/discounts/car-insurance-discounts/
Driving Device/Appxxxxxxxxxxxxxxhttps://www.libertymutual.com/auto/affordable-car-insurance
Early Signingxxxxxxxxxxxxxxhttps://www.metlife.com/insurance/auto-insurance/car-insurance/
Electronic Stability Controlxxxxxxxxxhttps://www.nationwide.com/car-insurance-discounts.jsp
Emergency Deploymentxhttps://www.progressive.com/auto/car-insurance-discounts/
Engaged Couplexhttps://www.safeauto.com/about/faqs
Family Legacyxxxxxxhttps://www.safeauto.com/car-insurance/car-insurance-for-teens
Family Planxxxxxhttp://www.safeco.com/auto-insurance/discounts
Farm Vehiclexxxxhttps://www.statefarm.com/insurance/auto/discounts
Fast 5xhttps://www.thegeneral.com/car-insurance/basics/cheap-flexible/
Federal Employeexxxxhttp://www.hanover.com/connections-smart-savings.html
Forward Collision Warningxxxxxxxhttps://www.thehartford.com/aarp/car-insurance
Full Paymentxxxxxxxxxxxxxxxxxhttps://www.travelers.com/personal-insurance/auto-insurance/discounts-advantages.aspx
Further Educationxxxxxxxxxhttps://www.usaa.com/inet/wc/advice-auto-lowerautoinsurance
Garaging/Storingxxxxxxhttps://www.usaa.com/inet/wc/faq_Automatic_License_index
Good Creditxxxxhttps://www.usaa.com/inet/wc/auto_insurance_teen_driver_main
Good Studentxxxxxxxxxxxxxxxxxxxxxxhttps://www.usaa.com/inet/pages/auto_event_insurance?akredirect=true
Green Vehiclexxxxxxxhttps://www.usaa.com/inet/pages/auto_insurance_driving_research_discount_main
Homeownerxxxxxxxxxxxxxxxxxxhttp://www.bankrate.com/finance/insurance/car-insurance-discounts.aspx
Lane Departure Warningxxxxhttp://www.naic.org/documents/web_market_share_160301_2015_property_lob.pdf
Life Insurancexx
Low MileagexxxxxxxxxxxxxxxxxxxDisclaimers
Loyaltyxxxxxxxxxxxx*Discounts and their availability vary by state and eligibility requirements
Marriedxxxxxxxxxxxxxx*Safety Features are not always listed as "discounts" but almost always help lower the rate
Membership/Groupxxxxxxxxxxx
Militaryxxxxxxxxxxx
Military Garagingx
Multiple Driversxx
Multiple Policiesxxxxxxxxxxxxxxxxxxxxx
Multiple Vehiclesxxxxxxxxxxxxxxxxxxxxx
New Addressx
New Customer/New Planxxx
New Graduatex
Newer Vehiclexxxxxxxxxxxxxxxx
Newly Licensedx
Newlywedsx
Non-Smoker/Non-Drinkerx
Occasional Operatorx
Occupationxxxxxxxxxxxx
On Time Paymentsxxxx
Online Shopperxx
Paperless Documentsxxxxxxxx
Paperless/Auto Billingxxxxxxxxxxxxxxxxx
Passive Restraintxxxxxxxxxxxxxxxxxxxxxx
Recent Retireesxx
Renterxxx
Roadside Assistancexx
Safe Driverxxxxxxxxxxxxxxxxxxx
Seat Belt Usex
Senior Driverxxxxxxxxx
Stable Residencexxxx
Students & Alumnixxxxxx
Switching Providerxxxxxxxxxxx
Utility Vehiclexxxx
Vehicle Recoveryxxxxxxxxxxxxxxxxxxxxx
VIN Etchingxxxxxxxxxx
Volunteerx
Young Driverxxxxxx
Discounts Provided #21212927182726343432383835362230202022382828
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Though most major insurers offer discounts, they vary as you can see.

Best Home Insurance: Liberty Mutual

Our research indicates Liberty Mutual is one of the best insurance providers for home insurance coverage and is one of the top 10 insurance carriers in the country. Keep reading to learn more

Why is Liberty Mutual recommended for home insurance?

Why is Liberty Mutual on our list of top insurance companies twice? They are one of the largest home insurance companies in the country and provides coverage in all 50 states. In addition to homeowners’ coverage, they provide most other types of protection a person may need, making them a good choice for anyone looking to keep all their insurance products with one company.

They are set up as a mutual insurance business, which means the policyholders are technically the owners of the company. Profits from the business are issued back to the policyholders by way of reduced insurance rates or dividends.

What are Liberty Mutual home insurance ratings?

To learn more about Liberty Mutual Home Insurance, we took a look at the National Association of Insurance Commissioners  complaint information

Liberty Mutual Home Insurance Complaint Data
 201720182019
Total Number of Complaints per Year927355
Annual Premiums$73,188,959$72,465,576$85,975,391
Share of Premiums U.S. Market per Year0.08%0.07%0.08%
Share of Complaints in the U.S. Market per Year1.20%0.56%0.56%
Complaint Index per Year15.417.616.76
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Average complaints in the U.S. are represented as the number one, so Liberty Mutual has a higher than the average number of complaints, but their complaints have been steadily decreasing for the past three years, which is a good sign.

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Best Life Insurance: Ladder

Our research indicates Ladder is a great option for life insurance, with a unique new approach that provides customers with a positive experience.

Why is Ladder recommended for life insurance?

Ladder made our list of best insurance companies because they are putting a new spin on life insurance with a direct-to-consumer approach that makes the buying process a breeze, with the added benefit of low rates.

The company specializes in term life, which is what we recommend here at Expert Insurance Reviews. In addition, Ladder is backed by two of the biggest names in the field, Hannover Re and Fidelity Security Life Insurance Company. If you are considering life insurance, start here.

What are Ladder life insurance ratings?

Ladder is a new insurer, so there isn’t much data available for customer reviews from insureds or review companies. However, as we noted above, they are backed by Fidelity Security Life Insurance, which is highly rated among consumers.

Best Health Insurance: HealthSherpa

HealthSherpa is a good option for health insurance brokers. Keep reading to find out more.

Speak with a Health Insurance Specialist

(844) 334-6350

Speak with a Medicare Supplement Insurance Specialist

(844) 611-2338

Why is HealthSherpa recommended for health insurance?

As a part of our best health insurance reviews, we considered HealthSherpa.  In our HealthSherpa reviews, we found it is a full-service broker that provides numerous options for individuals and families looking to purchase health insurance. Take a look at this video for a quick overview of the company.

Their website is easy to use, and the policy premiums are the same price as purchasing directly from an insurance carrier. We recommend using a broker when shopping for health insurance because it makes the process much easier when comparing features and prices between the available plans.

What are HealthSherpa insurance ratings?

HealthSherpa has a 4.1 out of five-star customer rating, but like some of the other companies we’ve reviewed here, it’s new enough that there is limited consumer data.

Are you looking for free insurance quotes?

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Best Pet Insurance: Healthy Paws

We know pet insurance is important. You love your pets and want to ensure they have the coverage necessary for whatever may come their way. HealthPaws is a good option for this coverage. Read on to find out why.

Why is Healthy Paws recommended for pet insurance?

Healthy Paws Pet Insurance is one of the top-rated insurance companies, which covers everything that matters including injuries, illnesses, genetic conditions, and emergency care.

With unlimited lifetime benefits, you can cover your pet with a top customer-rated pet insurance plan. Get a free quote and let Healthy Paws pay your vet bills while you care for your pet.

What are Healthy Paws pet insurance ratings?

Healthy Paws is accredited by the BBB and has a customer rating of four out of five stars. The company also rated A+ by BBB, which is the highest rating BBB provides.

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Best Travel Insurance: Travelex

When you’re traveling, you want to make sure you’re covered, and you probably know that your existing coverage may not apply, so travel insurance may be something to consider. Travelex is a solid provider. Take a moment to read the next few sections for more.

Why is Travelex recommended for travel insurance?

Travelex offers a number of comprehensive travel insurance products that can accommodate a range of travelers. Whether you are looking for protection while you are on a quick solo trip abroad, or will be traveling with your entire family for an extended period of time, Travelex has a policy right for you.

What are Travelex insurance ratings?

Travelex has an A+ rating, both of which are strong indicators of the company being an excellent choice for coverage.

Best Business Insurance: Hiscox Insurance

What are the best commercial insurance companies? Who has the best commercial insurance? We did not conduct business insurance reviews for Australia or the UK, (like UK ChoiceQuote insurance reviews), instead, we focused on companies in the U.S. For this USA business insurance review, we suggest Hiscox Insurance.

Why is Hiscox recommended for business insurance?

In our Hiscox business insurance review, we found that Hiscox Insurance can provide businesses with coverage options for all their insurance needs.

They offer General Liability, Business Property, Workers Compensation, Commercial Auto, Business Umbrella and Errors & Omissions. Their quoting process is quick and straightforward, and they are in the top 10 business insurance companies in the United States.

What are Hiscox business insurance ratings?

Hiscox is not currently accredited by BBB, but they do have an A+ rating. We were also able to find complaint index rating information from the NAIC. Take a look.

Hiscox Business Insurance Complaint Data
 201720182019
Total Number of Complaints634
Annual Premiums$313,464,569$369,506,503$384,901,570
Share of Premiums U.S. Market0.34%0.38%0.37%
Share of Complaints in the U.S. Market1.69%0.91%0.97%
Complaint Index4.922.382.65
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The number of complaints has decreased over the past three years, and between 2017 and 2018 the complaint index decreased significantly. Additionally, the annual premiums for the company have increased. All of these are positive signs.

Things to Consider for Your Policy

What is the top insurance company?

Through our best insurance company reviews, we’ve provided information on eight of the top 10 insurance companies in the United States for various coverage types including home, auto, life, pet (focused on personal coverage, rather than pet business insurance reviews), travel, and more to help you determine which insurance company is best.

Whether you’re looking for the best insurance companies in California or elsewhere, you should be able to find the answer here.

To find the best insurance policies to fit your needs, you should compare rates and make sure you have the right type of coverage for your needs, whether that includes liability insurance, property insurance, personal injury protection, comprehensive coverage, or more. Shopping around is a great way to find affordable coverage that is unique to your situation.

You can use our tool to get some of the best online insurance quotes. Reviews of various insurance companies can help you decide which options are best for your lifestyle. Only you can answer the question of which insurance company is best for your budget, needs, and lifestyle.

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More About the Best Car insurance Companies

Still have questions about the best auto insurance company, who has the best insurance, and the best insurance to have? Read through these frequently asked questions to learn more while you’re insurance shopping.

What is the best insurance by category?

  • Best small business insurance: Hiscox, along with State Farm, Nationwide, and Travelers.
  • Best coverage options: Progressive
  • Best cheap car insurance: Geico
  • Best for customer service: Allstate
  • Best company for a local agent: State Farm
  • Best for military families and veterans: USAA
  • Best for young drivers: Erie Insurance
  • Best for drivers 50 and over: The Hartford
  • Best for those with poor credit: Nationwide
  • Best for comprehensive coverage: Farmers

Are you ready to buy the best insurance?

Start Your Search

Use your ZIP code to get a free quote from some of the best insurance companies in the country. This will help you find out who has the cheapest business insurance and which of the best insurance companies offer the coverage types you need.

References: 

  1. https://www.jdpower.com/business/press-releases/2019-us-auto-insurance-study
  2. http://www.ambest.com/home/default.aspx
  3. https://www.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=23043&REALM=PROD