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The Best Auto Insurance Companies For 2018 Independent car insurance site Clearsurance recently ranked the best car insurance companies. The list is based on factors such as affordability, customer service, the scope of coverage and users’ likelihood to recommend their insurance to others or renew with the company. Surprisingly, only two national insurance companies made the cut. The others were smaller and mid-size companies. Clearsurance sifted through more than 39,000 customer reviews that policyholders submitted on the website. Here’s their list of the top 10 insurers: 1. New Jersey Manufacturers Insurance Co. (NJM) Overall score: 4.7 out of 5 2. USAA Overall score: 4.69 3. Amica Mutual Insurance Company Overall score: 4.51 4. Shelter Mutual Insurance Company Overall score: 4.49 5. Erie Insurance Group Overall score: 4.48 6. Auto-Owners Insurance Group Overall score: 4.45 7. AAA Overall score: 4.34 8. The Hartford Overall score: 4.33 9. Geico Overall score: 4.28 10. American Family Insurance Overall score: 4.27