Insurance Companies Ratings
Shoppers checking insurance companies ratings often notice the same thing I did on a recent cross-state move: carriers that look identical on price can perform very differently when a claim hits your inbox. By weighing AM Best grades, J.D. Power scores and live quote results, you can zero in on a provider that balances cost with proven reliability. Our analysis below—backed by the same metrics used in the top auto insurance providers for 2025 round-up—shows how.
Auto Insurance Ratings
Use the quick form to pull customized rates from highly-rated auto insurers. Results reflect your local claims frequency, weather risk and loss costs—giving you an apples-to-apples picture of value, not national averages.
Get an Auto Insurance Quote
Instantly compare highly-rated car insurers and save.
Get a Home Insurance Quote
Check homeowners carriers with strong financial scores.
Start with a broad-market name like GEICO quote, then cross-check regional stand-outs such as Amica or Auto-Owners. ZIP-filtered tools showcase the carriers that lead claims satisfaction in your county, not just statewide.
What the Ratings Measure
Third-party agencies weigh three pillars: financial strength (AM Best, Moody’s), claims experience (J.D. Power, Consumer Reports) and price stability. A company that scores well across all three is more likely to pay promptly after a storm, keep premiums predictable and remain solvent during market swings.
For details on each scoring model, see our explainer on insurance-company financial ratings.
Key Takeaways from 2025 Scores
- USAA & Amica: Top customer satisfaction but membership or regional limits apply.
- Nationwide: Above-average claims marks and competitive bundle pricing—compare live on our Nationwide quotes page.
- GEICO & Progressive: Digital-first convenience and steady A-level financial grades.
Bundling and Digital Tools
Pairing auto with homeowners coverage can trim premiums by 10–15 percent and consolidates billing into one statement. Top-rated carriers layer extra perks—think single claims adjusters and unified deductible options—on top of the discount.
Robust mobile apps matter when weather turns ugly. Insurers offering photo-based claim uploads and real-time adjuster chat earn higher service marks, a trend reflected in this year’s J.D. Power rankings.
Reliable Insights for Smarter Shopping
Live in a coastal state or wildfire region? Digital-forward providers like Esurance let high-risk homeowners quote and bind entirely online—see Esurance high-risk quotes for examples.
Meanwhile, full-service carriers with local agents—e.g., State Farm—still score high for in-person guidance when complex rebuild estimates are involved. Decide which service style best fits your comfort zone before locking in a policy.
Final Thoughts: Match Ratings to Your Needs
Ratings give you a vetted shortlist, but the right insurer blends top scores with a policy that fits your lifestyle and budget. If you rely on 24/7 digital tools and rarely visit an office, an A-rated online carrier may outrank a traditional brand with brick-and-mortar agents.
Before you buy, layer objective ratings with live quotes, user reviews and bundle calculations. Our side-by-side comparison hub—compare insurance company reviews—helps you close the loop and choose confidently.
Insurance Ratings FAQ
How often are ratings updated?
Major agencies refresh scores annually or after significant financial events. Re-check at renewal to spot changes.
Can a company with an A rating still raise rates?
Yes—financial strength doesn’t lock prices. Use live quotes each year to ensure your premium stays competitive.
Do ratings differ for auto vs. home policies?
The underlying financial grade is identical, but J.D. Power satisfaction scores may vary by product line.