Top-rated auto insurance companies by region – J.D. Power

Chances are that if you own a car you have auto insurance.

Especially if you financed the purchase.

But some auto insurers are better than others at meeting their customers’ needs, according to results of J.D. Power’s annual U.S. Auto Insurance Study.

Top-rated auto insurance companies are helping customers get a grip on their coverage through transparency, do-it-yourself tools and bundling, said a report on the study, with about a quarter of customers now dealing directly with their insurer, bypassing agents. That has resulted in overall customer satisfaction with auto insurance providers reaching its “highest level ever.”

Man in suit holding miniature car

“As customers take greater control of their auto policies, it’s also becoming more important for insurers to offer superior digital experiences and easy access to account management features such as bill pay, policy information and an integrated experience for customers who bundle multiple policies.”

As in previous years, the company that scored best – USAA – isn’t even available to the vast majority of Americans because it is available only to U.S. military personnel and their families.

If it had been included in the 11 regional rankings, USAA would have been No. 1 in 10 of 11 with scores ranging from 907 of 1,000 total points in the U.S. Central Region to 884 in California and New York. USAA would have ranked second in the Southeast Region with a score of 878.

But that doesn’t mean the rest of us are left with poor choices, based on the Power survey.

Following are the 11 regions, with the best-rated insurance companies (besides USAA) and strongest runners-up, along with ratings on J.D. Power’s point scale and number of “Power Circles” they received:

California Region (16 companies)

Highest-rated: Esurance (847), which received five of five Power Circles.

Runners-up: Auto Club of Southern California Insurance Group (834), Ameriprise (830), Wawanesa (828), GEICO and State Farm (824), all with four of five Power Circle ratings.

Unranked: USAA scored 884 points and five Power Circles in this region.

Region average: 817/1,000

Central Region (14 companies)

(Arkansas, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, Oklahoma and South Dakota)

Highest-rated: Shelter (858) with five Power Circles.

Runners-up: Auto-Owners Insurance (856) with five Power Circles and Allstate (844) and GEICO (838) with four Power Circles.

Unranked: USAA scored 907 points and five Power Circles in this region.

Region average: 832/1,000

Florida Region (12 companies)

Highest-rated: Allstate (847) with five Power Circles.

Runners-up: Esurance (843) with five Power Circles and State Farm (834) with three Circles.

Unranked: USAA scored 898 points and five Power Circles in this region.

Region average: 832/1,000

Mid-Atlantic Region (12 companies)

(Delaware, District of Columbia, Maryland, New Jersey, Pennsylvania, Virginia and West Virginia)

Highest-rated: Erie Insurance (852) with five Power Circles.

Runners-up: GEICO (845) and The Hartford (842) with four Power Circles each.

Unranked: USAA scored 898 points and five Power Circles in this region.

Region average: 838/1,000

New England Region (15 companies)

(Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island and Vermont)

Highest-rated: Amica Mutual (852) with five Power Circles.

Runners-up: State Farm (844), GEICO (836) and Allstate (830) with four Power Circles.

Unranked: USAA scored 898 points and five Power Circles in this region.

Region average: 822/1,000

New York Region (9 companies)

Highest-rated: New York Central Mutual (869) with five Power Circles.

Runners-up: State Farm and Travelers (845) and MetLife (836) with four Power Circles.

Unranked: USAA scored 884 points and five Power Circles in this region.

Region average: 829/1,000

North Central Region (23 companies)

(Illinois, Indiana, Michigan, Ohio and Wisconsin)

Highest-rated: Westfield (855) with five Power Circles.

Runners-up: IN Farm Bureau (854) and Erie Insurance (852) with five Power Circles each, and COUNTRY Financial (846), State Farm (841), The Hartford (838) and MI Farm Bureau (835) with four Circles.

Unranked: USAA scored 891 points and five Power Circles in this region.

Region average: 830/1,000

Northwest Region (11 companies)

(Idaho, Montana, Oregon, Washington and Wyoming)

Highest-rated: PEMCO Insurance (850) with five Power Circles.

Runners-up: The Hartford (833) and American Family (825) with four Power Circles.

Unranked: USAA scored 894 points and five Power Circles in this region.

Region average: 816/1,000

Southeast Region (16 companies)

(Alabama, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina and Tennessee)

Highest-rated: Farm Bureau Insurance-Tennessee (888) with five Power Circles.

Runners-up: Erie Insurance (870), Alfa Insurance and NC Farm Bureau (855), State Farm (853) and Auto-Owners Insurance (852) with four Power Circles each.

Unranked: USAA scored 878 points and five Power Circles in this region.

Region average: 841/1,000

Southwest Region (12 companies)

(Arizona, Colorado, Nevada, New Mexico and Utah)

Highest-rated: The Hartford (832) with five Power Circles.

Runners-up: State Farm (831) with five Power Circles and Allstate and American Family (826) with three Circles.

Unranked: USAA scored 887 points and five Power Circles in this region.

Region average: 823/1,000

Texas Region (9 companies)

Highest-rated: Texas Farm Bureau (857) with five Power Circles.

Runner-up: Allstate and GEICO (836) and State Farm (835) with three Power Circles.

Unranked: USAA scored 894 points and five Power Circles in this region.

Region average: 835/1,000

Following are some other key findings of the 2019 study:

  • Record-high customer satisfaction: Overall customer satisfaction with U.S. auto insurers improved in 2019 and is now at a record-high level of 831 (on a 1,000-point scale).
  • Bundling insurance coverages results in greater satisfaction: Insurance customers who bundle auto policies with other coverage are more satisfied than when they do not bundle.
  • Average premium is flat, boosting customer satisfaction: Customers say auto insurance premiums have leveled off this year, following big increases the previous two years.
  • Customers would rather do it themselves: Reliance on agents, “feeling they are extremely important,” has dropped 33 percent over the past 20 years.

More Like This

Road Trip: Food for thought when you’re traveling

Road Trip: Food for thought when you’re traveling

For me, food is an essential part of any road trip. It’s a way to embrace the experience of travel, and a good excuse to stretch the legs. It’s one of the things about a road trip that can draw…