91 U.S. auto insurers graded in 2026

If you’re like most drivers, you pay one of the nation’s 10 largest auto insurers to take care of you when something goes wrong. Yet when collision repairers graded more than 90 insurers on their claims handling, support for quality repairs and customer service, every one of those 10 companies ranked in the bottom third.

But how would you know whether your insurer is better or worse than the others? Most drivers go years without filing a claim, and when they do, they generally deal with only one insurance company. They have no easy way to compare that experience with how a different insurer might have handled the same claim.

Collision repair professionals have a very different perspective. Autobody shops work with many insurance companies every day, giving them a firsthand view of how each insurer’s policies and practices affect repair quality and customer service. They see which insurers work to ensure that vehicles are repaired properly—and which pressure shops to use lower-cost parts, decline to pay for manufacturer-recommended repair procedures or add avoidable delays to the repair and claims process.

That experience is the basis of CRASH Network’s annual Insurer Report Card. Each year, more than 1,000 collision repairers from all over the country grade the insurance companies they regularly work with based on one question:

“How well does this company’s claims handling policies, attitude and payment practices ensure quality repairs and customer service for motorists?”

More than 90 auto insurance companies receive a grade in the survey each year, including the country’s largest national insurers and dozens of regional companies. But only a fraction of them earn a place on CRASH Network’s “Honor Roll” with a grade of “B” or higher. Many of the highest-graded companies may be less familiar to consumers because they are smaller, regional insurers offering policies only in particular states or parts of the country. Only those “Honor Roll” insurers are shown here, although grades and rankings for all 91 insurers evaluated in 2026 are included in the free report available below.

Seven insurers earned a grade of “A-” or higher in 2026. North Carolina Farm Bureau once again topped the rankings, as it has every year since 2020, remaining the only insurer to earn an “A+” each of those years. Acuity Insurance, Alfa Mutual, Chubb, Erie Insurance, Michigan Farm Bureau and PURE Insurance rounded out this year’s group of highest-graded insurers.

Altogether, 35 insurers made the 2026 “Honor Roll,” five more than in 2025.

Download the free 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.