Meet America’s Best Insurance Companies 2025

As extreme weather conditions have become increasingly common over the past few years, the need for a reliable insurance company has become crucial. For example: In 2023, Illinois residents were grappling with: record breaking stormsflooding and property damage—stirred up FEMA (Federal Emergency Management Agency) declare multiple disasters in the state that year. But Illinoisans with insurance policies Country Finance—a Bloomington-based insurance company—was in good hands.

Jesse Kohlbecker, the company’s vice president of claims and customer service, says the insurer is taking care of its customers even during “the three largest claims events in our nearly 100-year history” in 2023. “Thanks to the dedicated efforts of our colleagues, we were able to successfully manage a historic claims year and continue to deliver exceptional service experiences.”

This dedication has undoubtedly helped Country Finance Take the top spot in homeowners, renters, permanent life and term life insurance on our fourth annual list America’s Best Insurance Companies.

To create a ranking, Forbes and market research firm Statistician More than 18,000 people across the U.S. who reported having insurance in at least one of five categories were surveyed: homeowners, renters, auto, permanent life, or term life. Survey participants were asked whether they were satisfied with their insurance company and whether they would recommend it to others. Respondents also rated insurance providers based on criteria such as agent guidance, customer service, cost, company transparency, digital services, and claims service. Ratings in each insurance category were combined into a score, and the companies with the highest scores made our ranking. (List lengths vary for each type of insurance, as each list depends on the number of reviews collected, the final score, and the size of the insurance market in question.)

A total of 97 companies on this year’s list were listed in at least one of the five insurance categories.

AmikaBased in Lincoln, Rhode Island, the insurance company received high marks in all five insurance categories. For that, Amica president and CEO Ted Shallcross credits the insurance provider’s employees. “Our employees are the secret to our long-term success and industry-leading customer loyalty,” he said. “They provide personalized and empathetic service based on the specific needs of the policyholders they assist.”

Employees also accept this because Amika is a mutual insurer, customers have an extra stake in the company. “We are owned by our policyholders, and we make decisions with their best interests in mind.”

In addition to Amica, only six other insurers made the rankings in all five insurance categories: American Family Insurance, Vehicle Owners Insurance, Erie Insurance, Nationwide mutual insurance, State FarmAnd ABDAAThe vast majority of companies on our list are listed in one or two insurance types.

According to PwC’s new report; Insurance 2025 and BeyondThe best insurers don’t just focus on preventing and protecting risks for their clients; the best insurers also focus on reducing the risks that climate change poses to the world. The report states: “Insurers and reinsurers have a clear opportunity and societal obligation to lead the fight against the global climate crisis because of their inherent expertise in risk management.” They can do this in a number of ways, the report says, including by advising clients to invest in more resilient infrastructure and supply chains; and by developing public-private partnerships where insurers and regulators develop catastrophic risk models and collaborate on data collection and climate adaptation research.

Of course, many insurers are also differentiating themselves by embracing technological advances that improve their operations and customer experiences. But despite the company’s evolving digital offerings and increasingly effective AI-powered tools, Aflac, which is involved in the permanent and term life insurance categories, “never forgets that we are a people-centric business,” says Virgil R. Miller, Aflac U.S. president. “Both our agents and our claims personnel at headquarters are trained to provide compassionate care to policyholders who are often experiencing some of the most difficult times in their lives.”

Click here to see the complete list of America’s Best Insurance Companies.

Methodology

America’s Best Insurance Companies 2025 was created in partnership with market research firm StatisticianThe rankings were obtained by surveying more than 18,000 people across the U.S. who reported having insurance in at least one of five categories: homeowners, renters, auto, permanent life or term life. Survey participants were asked whether they were satisfied with their insurance company and whether they would recommend it to others. Respondents also rated insurance providers on criteria such as agent guidance, customer service, cost, company transparency, digital services and claims service. The ratings in each insurance category were combined into a score, and the highest-scoring companies were our ranking. (List lengths vary for each type of insurance, as each list depends on the number of reviews collected, the final score and the size of the insurance market in question.)

As a result, a total of 97 companies were recognized in at least one of the five insurance categories. Forbes list America’s Best Insurance Companies 2025.

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As with everything else Forbes lists, companies do not pay to participate or be selected. Learn more about how we create this list and our employer lists HereIf you have questions about this list, please email listdesk (at) forbes.com.