Each of our reviews, scores, and rankings is derived from our proprietary Ranking Criteria™. We do not have any relationships with companies that guarantee position, rank or score—and we never will. Like many sites, we are compensated through affiliate relationships with each company we review; however, our Ranking Criteria™, along with real customer reviews from people like you, ensure we remain honest and unbiased. Read on to discover more about how user review moderation and expert scoring is processed or select an industry to see our full ranking criteria.

How we rank for

18% Types of Coverage

When it comes to auto insurance policies, proper coverage is important. Companies that score well in this area offer several types of useful coverage, including:

  • Bodily injury liability
  • Property damage
  • Uninsured motorist
  • Personal injury
  • Collision
  • Comprehensive
  • Medical payments
  • Rental
  • Emergency road service

22% Price Range

Price is an important thing to consider when selecting an auto insurance company. In fact, our Review Team surveyed over 1,000 people to determine which factor is most important to them when choosing an auto insurance company. More than 50 percent of those surveyed responded that price was the most important factor. Because of this, price is given the heaviest weight to reflect consumer priorities.

8% Service Coverage

This criterion takes into account how many states each auto insurance company services; the more states a company services, the higher it will score.

18% Discounts

When certain criteria are met, many auto insurers will offer discounts to help customers save money each month. Typical discounts include but are not limited to:

  • Safe driver
  • Accident forgiveness
  • Good student
  • Multi-vehicle
  • Pay in full

Companies that score best in this area offer several discounts.

9% File/Track Claims

Some auto insurance companies allow customers to file and track claims online, which is typically much quicker and simpler than filing over the phone. We reward companies that offer this convenience with a score boost.

10% Stability Score

We look at the legal history and financial stability of each company. This metric takes into consideration any bankruptcies, class action lawsuits, government lawsuits, or government investigations a company has had in the last five years.

15% User Score

Authentic user reviews are critical to what we’re doing at BestCompany.com. Because customer service is an important reflection of a company overall, nobody can provide better insights about a company’s performance than actual customers. Consequently, every company’s overall score is influenced, at least in part, by reviews submitted by customers.

For more information on how we moderate user reviews submitted to our site, you may refer to our Review Guidelines page.


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