Top 10 Best Insurance Companies

In today's world, it is essential to have a reliable insurance company to protect your assets and future. With so many insurance providers in the United States, each offering a diverse range of products and services tailored to meet the specific needs of their clients, it can be challenging to identify the best-suited company for your individual requirements. To help you navigate the complex world of insurance, we have compiled a list of the top ten best insurance companies in the United States, based on factors such as financial strength, coverage options, customer service, and claims processing efficiency.

These leading insurance companies have consistently proven themselves as reliable and trustworthy partners in times of need. They have demonstrated an unwavering commitment to honoring their obligations to policyholders with their strong financial backing. Furthermore, these companies are renowned for their innovative and flexible insurance solutions, accommodating a wide range of needs from individuals and families to businesses and organizations. They are dedicated to providing exceptional customer service, ensuring that clients receive personalized attention and support throughout the entire insurance process.

The top ten best insurance companies in the United States have built their reputations by delivering on their promises and consistently exceeding customer expectations. These industry leaders have earned the trust and loyalty of millions of Americans by offering superior coverage, affordable premiums, and seamless claims experiences. Whether you are looking to protect your home, your health, your vehicle, or your life, you can be confident that these companies have the expertise and resources to help you achieve peace of mind.
The Top Ten
1 Liberty Mutual Liberty Mutual, headquartered in Boston, Massachusetts, has been in business since 1912. The company provides a variety of insurance solutions, including auto, home, and commercial insurance, and operates both nationally and internationally.

Liberty Mutual is a company that really puts their policyholders' best interests first. They aren't concerned about being the cheapest. They are more concerned with helping people put their lives back together when they need it most. There has never been anything funny about tragedies, and too many insurance companies try to make it a comedy.

Liberty Mutual stands by their policyholders. They are honest and work with you. When I got in my accident, my claims adjuster kept in touch with me throughout the entire process. I could not be happier with the service. I have a personal agent who is always there to answer my questions. I am very lucky to have Liberty on my side.

Best of the best by all insurance standards. They are especially phenomenal in their home state of Massachusetts. I highly recommend Liberty Mutual - A+.

Visit Website
2 AIG AIG (American International Group) has its headquarters in New York City and was founded in 1919. It offers a diverse range of insurance products, including life, property, and casualty insurance, as well as financial services.

Insurance for the affluent - these guys really just get it. They have the best coverage and best claims I have ever seen in the insurance business. They default on the overpayment side of things to make their clients happy.

Gets it. Both on a personal level and as a global giant in the industry.

Visit Website
3 Amica Amica is headquartered in Lincoln, Rhode Island, and was founded in 1907. The company is notable for its high customer satisfaction ratings and offers a range of insurance products, including auto, home, and life insurance.

Excellent customer service and prices. Auto body shops say that AMICA treats customers very fairly and is one of the best insurance companies to deal with.

Simply the best. Better than all the rest. Better than anyone. Simply the best. JD Power winners 15 years in a row. Unheard of. A small, quiet carrier.

Visit Website
4 John Hancock (Manulife) John Hancock, a subsidiary of Manulife, is headquartered in Boston, Massachusetts. Founded in 1862, it offers life insurance, retirement plans, and investment products, serving both individual and institutional clients.

Tested and proven. Service is their priority.

5 AAA The American Automobile Association, commonly known as AAA, was founded in 1902 and primarily offers automotive services and insurance. The company provides a variety of insurance products, including auto, home, and life insurance, to millions of members across the United States.

So far, much better than Hartford. The reviews on Hartford are terrible, and those on AAA are much better. There will always be some negatives, but AAA has many more positives than Hartford.

Terrific coverage and wonderful customer service!

Great customer service, always willing to help.

6 Aflac Aflac is an American insurance company specializing in supplemental insurance coverage. Founded in 1955, the company has gained notoriety for its advertising campaigns featuring the Aflac Duck and offers a range of policies to help cover out-of-pocket expenses not covered by primary health insurance.

I love my Aflac. I was burned in a fire a few years ago and it paid for short-term disability, as well as for my burns and hospital stay. I don't know what I would have done without my Aflac. I am thankful that I had Aflac through work for 16 years. It's the best insurance to have.

The only insurance company on Ethisphere's list of most ethical companies for the past 7 years, with the highest loss ratio, paying $0.66 on every dollar of premium they receive. I could go on!

Aflac is listed 118th on the Forbes list. They also pay pretty quickly, and their rates don't increase because a claim was filed. Can't beat that!

7 RiverSource (Ameriprise) RiverSource is a financial planning and insurance subsidiary of Ameriprise Financial. It offers various types of insurance and annuity products, including life and disability income insurance, and has a long-standing reputation for financial strength and reliability.
8 Allstate Insurance Company Allstate Insurance Company is headquartered in Northbrook, Illinois, and was founded in 1931. It offers a wide range of insurance products, including auto, home, and life insurance, to customers across the United States.

The best customer service when you most need it!

Best coverages with the best rates.

9 Pemco Insurance Company Pemco is a Seattle-based mutual insurance company founded in 1949. It specializes in offering auto, home, and boat insurance to residents in the Pacific Northwest and prides itself on high customer satisfaction ratings.
10 State Farm State Farm is based in Bloomington, Illinois, and has been in operation since 1922. This company is best known for its auto, home, and renters insurance, as well as its strong focus on customer service.

State Farm is the #1 auto, fire, and individual life insurance provider in the US. They have twice as many customers as their nearest competitor - there must be a reason for this. They offer over 100 products, so it can be a one-stop shop.

They have agents who have skin in the game, so they care, and customer service is the top priority. Insurance coverage is never apples to apples. For example, State Farm offers permissive use on their auto insurance, which many companies do not, and actual loss on their homeowners policies, where many companies have a cap.

If their price is a little higher, this may be why. If you have to pay a little more for peace of mind and a sense of security, then do it. We all pay in excess of $100 for our cell phone and television bills each month. Why wouldn't you pay over $100 to insure your brand-new Chevrolet, Ford, Hyundai, Toyota, Nissan, Acura, Honda, Dodge, Lexus, Mercedes, BMW, Range Rover, etc.?

The Contenders
11 CDPHP Capital District Physicians' Health Plan, or CDPHP, is a not-for-profit health insurance company based in Albany, New York. Established in 1984 by physicians, the company offers a variety of health plans and wellness programs to individuals and businesses in the state.
12 Farmers Insurance Group Farmers Insurance Group is based in Los Angeles, California, and was established in 1928. It specializes in various insurance products such as auto, home, and small business insurance, catering to different customer needs.

Farmers' 20,000 employees provide car insurance, motorcycle insurance, recreational insurance, homeowners insurance, business insurance, and other financial products to more than 15 million customers.

Farmers pays you when you have a claim, but they don't turn around and cancel you after you use your insurance, like many other companies do.

The best company out there. Not for everyone, but claims are really well taken care of. Service is through agents, not an 800 number. Always there for me.

13 Travelers Travelers is headquartered in New York City and was founded in 1853. One of the oldest insurance companies in the United States, Travelers offers a variety of insurance options, including auto, home, and business insurance.

Perfect company with great people who truly care about you and your family's things.

Best customer service I've ever had, every time. Been with them for over 10 years.

Very good company to deal with, and priced right!

14 MetLife MetLife, based in New York City, has been offering insurance services since 1868. The company provides a range of insurance and financial products, including life, disability, and dental insurance.

After experiencing a house fire that resulted in a total loss of the home and a vehicle in the garage, I spoke with an independent arson investigator. He told me, "There are a lot of insurance companies out there, a couple of good ones and a whole lot of bad ones. You've got the best!" I found his words to be very truthful. Metlife handled our 2 million plus claim with compassion and professionalism. They have earned my loyalty for life!

The best insurance company for the price and the coverage!

Just spoke with an agent, and their quote saved us $500.00 on auto insurance. Homeowners was a little high. Very nice to get an honest quote from.

15 The Hartford The Hartford, founded in 1810, is one of the oldest insurance companies in the U.S. Based in Hartford, Connecticut, the company offers auto, home, and business insurance, as well as employee benefits and mutual funds.

Over 200 years old and one of the largest insurance and investment companies based in the United States.

16 Nationwide Nationwide is headquartered in Columbus, Ohio, and has been in operation since 1926. The company offers a wide array of insurance and financial products, such as auto, home, and life insurance, as well as retirement planning services.

Nationwide has been in business for over 87 years and has a very high claims service rating. They are awesome with claims! They are the first on catastrophe scenes and the first to pay all their claims. They are a mutual company, not a stock company. That means they make decisions based on what is best for the members/policyholders who are part-owners in the company. Others are stock companies who are most concerned with what is best for their stockholders. Ask your agent which one your company is.

Nationwide has the best Agribusiness complete package compared to any other company. I was able to put my farming operation, auto, farm store, grain storage, and poultry confinement under one policy. I saved a significant amount of money with better coverage than I previously had with Farm Bureau. Needless to say, it's all under one policy and not 5, and all with the same date! It is designed specifically for the "Farmer/Business owner"! Check them out. You will be glad you did!

17 Geico Geico, based in Chevy Chase, Maryland, was founded in 1936. Specializing in auto insurance, it's known for its direct-to-consumer sales model and a variety of discount options for customers.

I have had my insurance for 10 years with Geico. Twice my car was stolen, and they paid without many questions. For a personal reason, I changed to another company, but since then, I can't find anything better than Geico. The only reason I'm not with them now is that they don't offer business insurance and commercial coverage. When you pay for insurance, it's not just to give money to them. It's to get help when we have a problem. Most companies don't do that, and after you have an incident, they cancel your insurance. I really like Geico, and I wish to go back with them.

Geico's customer support is always extremely friendly! Anytime I need assistance, they are always very kind and want to make sure to help you with anything you could possibly need or want. As a bonus, they also have the best rate out there for me. But in my opinion, it's not about the rates. It's about the quality of their staff and whether they actually care about me as a customer or not. Geico truly does.

18 USAA USAA is based in San Antonio, Texas, and was established in 1922. It primarily serves members of the U.S. military and their families, offering insurance products like auto, home, and life insurance, among other financial services.

We have been insured by USAA for over 45 years and, due to their impeccable service, we will never switch to any other company. We first got coverage while my husband was in the Navy. We are now retired and have never been treated better by any company. Claims are handled promptly and to our complete satisfaction. USAA is for us for life.

I have had USAA auto and homeowners insurance for over 30 years and will never switch to another company. They have the best customer service of any company, not just insurance companies, that I have ever dealt with.

My parents had them for 30+ years, and I will too. Unbeatable rates, and when I was in a major car wreck, they made it easier, not harder.

19 Primerica Primerica is headquartered in Duluth, Georgia, and was founded in 1977. It focuses on term life insurance, investment products, and other financial services, aiming to help middle-income families achieve financial independence.

The only company that I have encountered that is willing to sit down with us and educate us on insurance, so that we can make the best decision. The information the representative gave matched the research I had done, as well as what other consumer advocates have said. It makes me wonder how many people are being sold something they don't need but benefits the agent or company more than the consumer. They offer VERY COMPETITIVE rates too! I am a Primerica client for LIFE!

Education of consumers is key to their financial landscape. PRIMERICA is the ONLY major company in America that does this as A CORE BUSINESS PRACTICE.

Their products are very competitive and customized for each client's needs, especially life products that are provided on an affordable, need-based basis to fit the client's financial goals.

In addition to being a publicly traded company and one of the 30 outstanding companies making up the Dow Jones Index, PRIMERICA has been providing what American families need since 1977: integrity, product value, financial education, debt elimination, wealth building for generations, and the greatest business opportunity in America.

There is no match!

20 Prudential Financial Prudential Financial, based in Newark, New Jersey, has been in operation since 1875. The company provides various financial and insurance products, including life insurance, annuities, and retirement planning services.

Ranked second in FORTUNE's 2010 list of "World's Most Admired Companies" in the life/health insurance category, Prudential focuses on life insurance policies but also offers long-term care insurance as well as asset protection insurance, such as car, home, and personal liability insurance policies.

Their financial consultants are also very helpful, and they discuss the details of the policy with high expertise.

The products and services are simply excellent!

21 Progressive Founded in 1937, Progressive is one of the largest providers of car insurance in the United States. The company also offers other types of insurance, such as home and renters coverage, and is known for its rate comparison tool and iconic spokeswoman, Flo.

I've had this insurance for my car for over 2 years and I've had excellent service in Vero Beach, Florida. It was very easy to deal with them.

Covered my vehicle and the other person. Also paid for car rental.

22 Cigna Cigna is a global health service organization based in the United States. Established in 1982, the company provides a wide array of healthcare services including medical, dental, behavioral health, and pharmacy benefits, serving millions of customers worldwide.
23 Auto-Owners Insurance Founded in 1916, Auto-Owners Insurance is a mutual insurance company based in Lansing, Michigan. It provides auto, home, business, and life insurance through independent agents, and is known for its strong financial stability and customer service.

I've been an insurance agent for 32 years. Auto Owners is by far the best!

24 MassMutual Massachusetts Mutual Life Insurance Company, or MassMutual, is a mutual life insurance company founded in 1851. Headquartered in Springfield, Massachusetts, it provides a broad range of financial products such as life insurance, retirement services, and investment management.
25 Zurich Zurich Insurance Group is a Swiss insurance company founded in 1872. The company operates globally, providing a wide range of general and life insurance products and services to individuals, small businesses, and large enterprises.
8Load More
PSearch List
*A Trusted Partner designation denotes a listing whose rank has been determined by our staff. Typically, TheTopTens receives compensation for these placements in the form of commissions on sales or leads generated through this site. Because our compensation is tied to consumer behavior, we are incentivized to promote the companies and products people are more likely to respond favorably toward.