The ledger
Nine major auto insurers, ordered by the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, average 700. Complaint index and market share come from NAIC data, financial strength from dated AM Best actions. No score on this page is ours.
| Carrier | J.D. Power 2025 auto claims score (study avg 700) | AM Best financial strength | NAIC-style complaint index, auto (1.00 = expected) | 2024 market share, private passenger auto (NAIC) |
|---|---|---|---|---|
| USAA | no published score — J.D. Power says it scored highest in every region but excludes it from the ranking; membership is limited to military and their families | A++ (Superior), affirmed Jul 2, 2025 | 1.164 | 6.17% (#5) |
| Liberty Mutual | 730 | A (Excellent), affirmed Sep 10, 2025 | not disclosed — excluded from this aggregator’s ranked list for not providing public rate data | 3.27% (#7) |
| Nationwide | 729 | A (Excellent), affirmed Nov 7, 2025 | 0.636 | 1.34% (#13) |
| State Farm | 716 | A+ (Superior), downgraded from A++ Nov 14, 2025 | 0.869 | 18.87% (#1) |
| American Family | 702, at the average | A (Excellent), affirmed Sep 24, 2025 | 0.669 | 1.72% (#10) |
| GEICO | 697 | A++ (Superior), affirmed Feb 21, 2025 | 0.603 | 11.63% (#3, Berkshire Hathaway Group) |
| Allstate | 693 | A+ (Superior), affirmed Aug 2025 | 1.200 | 10.19% (#4) |
| Travelers | 691 | A++ (Superior), affirmed Aug 8, 2025 | 0.625 | 2.00% (#8) |
| Farmers | 690 | A (Excellent), affirmed Aug 1, 2025 | 1.239 | 3.76% (#6) |
| Progressive | 673 | A+ (Superior), affirmed May 1, 2026 | 0.604 | 16.73% (#2) |
The 2025 study’s named top scores belonged to Erie (743) and NJM Insurance Group (731), neither of which writes in enough states to include here; Liberty Mutual’s 730 is the highest score among the nine carriers on this table. USAA is excluded from J.D. Power’s own ranking despite scoring highest in every region, because membership is restricted to military members and their families — the same eligibility carve-out applied on the home ranking. Progressive holds the second-largest market share (16.73%) but the lowest claims score on this table (673); State Farm holds the largest share (18.87%) with a mid-table score (716). Liberty Mutual does not publish rate data to this page’s complaint-index source, so that cell is left blank rather than estimated.
The order is the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, 9,455 claimants who settled a claim in the nine months before being surveyed, fielded September 2024 to August 2025, released October 27, 2025, average 700 of 1,000. Complaint indexes come from 2026 review-aggregator pages built on the latest NAIC private-passenger-auto data; the exact complaint year is not stated by the aggregator, and that caveat stays on the page. Market share is the NAIC 2024 private passenger auto line, group level, published March 17, 2025 (the 2025-data edition was not yet complete at the time this page was built). AM Best ratings carry their action dates. Where a figure could not be verified, the cell says so instead of holding a number.
Every figure on this page traces to the records below, with the data vintage stated in the table.