Top Rated U.S. Car Insurance Companies for 2026

Given that most drivers are involved in an accident just once every 8-10 years, they generally have little basis to know how their insurance company handles a claim compared to other auto insurers. Most drivers also are not aware that they likely have 30 or 40 or more auto insurers to choose from in their state – because the largest 10 companies spend billions of dollars on advertising, helping those companies capture 76% of all premiums paid.

But the owners and operators of autobody shops around the country deal with many insurance companies on a daily basis, seeing first-hand how those companies take care of customers after an accident. They know, for example, which insurers pressure them to use low-cost parts, refuse to pay for repair procedures needed to ensure a high-quality repair, or add unnecessary delays to the repair and claims process.

To provide consumers a tool they can use when choosing an auto insurer, CRASH Network asks collision repairers each year to grade insurance companies based on one simple question: “How well does this company’s claims handling policies, attitude and payment practices ensure quality repairs and customer service for motorists?”

For 2026, seven insurance companies received a grade of “A-” or higher. As it has each year since 2020, North Carolina Farm Bureau topped the list of more than 90 insurers receiving a grade this year, continuing to be the only insurer consistently earning an “A+”. Also among the highest-graded insurers were Acuity Insurance, Alfa Mutual, Chubb, Erie Insurance, Michigan Farm Bureau and PURE Insurance. In all, 35 insurers earned a spot on the “Honor Roll” by receiving a grade of “B” or higher, five more than in 2025.

Although drivers may be less familiar with some of these insurers, it’s likely one or more of them offer policies in their state. Choosing a top-ranked regional insurer also offers consumers the opportunity to spend their insurance dollars “locally,” keeping it closer to home.

Many drivers won’t see their auto insurer on this year’s “Honor Roll” (though they can download the full report below to see the ranking for all 91 insurers that received a grade this year). That’s because none of the 10 largest national insurance companies – well-known and widely-advertised brands – even ranked among the 60 highest-graded insurers this year. They all received a grade of “C+” or lower.

Download the complete 20-page “2026 Insurer Report Card” report to see how your insurer stacked up, and to learn what companies in your state or region earned the top grades.