Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

Full Bio →

Written by

UPDATED: Oct 24, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Summary Stats
Things to KnowSource
An average complaint index is represented as by the number 1; anything above is higher than the national average and anything below is lower than the national averageNational Assocation of Insurance Commissioners
The highest rating awared by the Better Business Bureau is A+Better Business Bureau
An accreditation by the BBB indicates a company has met certain standards including making a good faith attempt to resolve all customer complaintsBetter Business Bureau
Get Your Rates Quote Now

Compare RatesStart Now →

Looking for insurance coverage from the best insurance companies, and not sure where to start in finding a good insurance policy? Who is the best insurance company for your needs? Who has the best commercial insurance?

Read through this post to find business insurance reviews as well as reviews for some of the best insurance companies and brokers across various coverage types we recommend to answer your questions about the best insurance coverage for car insurance, life insurance, commercial insurance, and more.

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.

And you can use your ZIP code to a free quote today from top insurance companies across the country.

Table of Contents

Best Auto Insurance

What is the best insurance company for car insurance? 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.

 

Liberty Mutual

Why is Liberty Mutual recommended for Auto Insurance?

Liberty Mutual is a top insurance company for cars in the United States and consistently ranks high in customer satisfaction. As one of the top 10 largest auto insurance companies, Liberty Mutual is sometimes able to use their 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 availability & rates by state?

Liberty Mutual is available in most states. Take a look at this table to see average rates for each state.
Average Annual Liberty Mutual Insuarance Rates by State
StateAnnual Average by StateLiberty Mutual Annual Average 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
Get Your Rates Quote Now

Compare RatesStart Now →
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
Get Your Rates Quote Now

Compare RatesStart Now →
A.M. 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.
Get the best insurance plan for you today by using our FREE tool.

Your one-stop online Insurance guide. Get a free quote now!

 Secured with SHA-256 Encryption

Best Home Insurance

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

Liberty Mutual

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 premiums 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 (NAIC) 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
Get Your Rates Quote Now

Compare RatesStart Now →

Average complaints in the U.S. are represented as the number one, so Liberty Mutual has a higher than average number of complaints, but their complaints have been steadily decreasing for the past three years, which is a good sign.

Are you looking for free insurance quotes?

Your one-stop online Insurance guide. Get a free quote now!

 Secured with SHA-256 Encryption

Best Life Insurance

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

LadderLife

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 insurance company, 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, who is currently rated A+ by the Better Business Bureau (BBB) and Hanover Re, also rated A+ by BBB, which is a good sign

Speak with a Life Insurance Specialist
(844) 611-3271

Find the best insurance for you today by getting a FREE quote.

Are you looking for free insurance quotes?

Your one-stop online Insurance guide. Get a free quote now!

 Secured with SHA-256 Encryption

Best Medicare Plans

Expert Insurance Reviews
Speak with a Medicare Supplement Insurance Specialist
(844) 611-2338

Why is Expert Insurance Reviews recommended for Medicare quotes?

Expert Insurance Reviews works hand-in-hand with one of the industry’s leading providers of Medicare supplement quotes. They connect thousands of individuals every month with top Medicare supplement insurance companies.
The process starts with a simple ZIP code form, and allows individuals to view multiple companies that provide services in their area. The cost is the same as going directly to the insurance company, but offers a clearer picture of what is available.
Enter your ZIP code today.

Your one-stop online Insurance guide. Get a free quote now!

 Secured with SHA-256 Encryption

Best Health Insurance

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

HealthSherpa
Speak with a Health Insurance Specialist
(844) 334-6350

Why is HealthSherpa recommended for heath 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.

A FREE insurance quote is just a few clicks away. Enter your ZIP code now.

Are you looking for free insurance quotes?

Your one-stop online Insurance guide. Get a free quote now!

 Secured with SHA-256 Encryption

Best Pet Insurance

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.

Healthy Paws

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. Watch this video to learn more.

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.
Get a FREE insurance quote today.

Are you looking for free insurance quotes?

Your one-stop online Insurance guide. Get a free quote now!

 Secured with SHA-256 Encryption

Best Travel Insurance

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.

Travelex

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

Your one-stop online Insurance guide. Get a free quote now!

 Secured with SHA-256 Encryption

Best Business 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.

Hiscox

Why is Hiscox recommended for business insurance?

In our Hiscox business insurance review, we found that Hiscox Insurance can provide businesses with 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
Get Your Rates Quote Now

Compare RatesStart Now →
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.

 

The Bottom Line: Best Insurance Companies

What is the top insurance company?
Through our best insurance company reviews, we’ve provided information on the 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.
To find the best insurance to get for your needs, you should compare rates. 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.

Your one-stop online Insurance guide. Get a free quote now!

 Secured with SHA-256 Encryption

Frequently Asked Questions: Best Insurance Companies

Still have questions about reputable insurance companies, who has the best insurance, andthe best insurance to have? Read through these frequently asked questions to learn more.

#1 – Do I need business insurance for an LLC?

It’s a good idea to have a general liability policy to protect yourself in the event of a lawsuit, even with an LLC.

#2 – What do biBERK business insurance reviews say?

According to the BBB, biBERK business insurance is accredited, has an A- rating, and has four out of five stars for customer satisfaction, based on customer reviews.

#3 – What is the best insurance for a small business?

Small business insurance reviews indicate that Hiscox business insurance is a good option for small businesses, along with State Farm, Nationwide, and Travelers.
Some newer insurance companies may be worth considering as well. For example,
  • Next business insurance reviews from BBB indicate a rating of A+ and 4.5 stars
  • Simply business insurance reviews from BBB indicate a rating of A+ and five stars
Before you go, 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