Choosing the right insurance company is an important decision that many Americans have to take whether they are looking for life, health, home, or auto coverage. Insurance companies are designed to offer a financial cushion in the times of crisis. There are many companies in the United States that serve different purposes and picking the right choice among the available options can be a tad difficult.
Every year, Forbes partners with Statista to survey thousands of customers across the country to find out which insurance companies are performing the best. In the year 2025, Forbes surveyed around 18,000 people in the United States who currently are enrolled in an insurance policy. The rankings are usually based on things like customer satisfaction, how likely people are to recommend the company, advice and service quality, price-performance ratio, transparency, and how quickly claims are handled.
Forbes mentions: “To create the rankings, Forbes and market research firm Statista surveyed more than 18,000 people across the United States who reported having an insurance policy in at least one of five categories: homeowners, renters, auto, permanent life or term life. Survey respondents were asked whether they were satisfied with their insurance company and if they would recommend it to others. Participants also rated their insurance providers on such criteria as the guidance agents offered, their 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 rankings.”
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Top 5 Insurance Companies in the United States
Here is a closer look at the top 5 insurance companies in the U.S. in 2025 that are based on Forbes’ ranking.
| Name | City | State | Established Year |
| 21st Century Insurance | Woodland Hills | California | 1928 |
| AAA Insurance | Heathrow | Florida | 1902 |
| AAA Life | Livonia | Michigan | 1969 |
| Acuity Insurance | Sheboygan | Wisconsin | 1925 |
| Aflac | Columbus | Georgia | 1955 |
1. 21st Century Insurance
Location: Woodland Hills, California
Founded: 1928
21st Century Insurance is well-known for providing affordable auto insurance, especially to drivers in California. The company offers competitive rates, easy online quotes, and fast claims service. It’s especially popular with customers looking for budget-friendly car insurance options without sacrificing quality. Over the years, 21st Century has built a reputation for convenience and solid customer support.
2. AAA Insurance
Location: Heathrow, Florida
Founded: 1902
AAA Insurance is part of the American Automobile Association, best known for its roadside assistance. However, AAA also offers a wide range of insurance products, including auto, home, renters, and life insurance. With over a century of experience, AAA is trusted by millions for its reliable service, competitive pricing, and member-exclusive benefits.
3. AAA Life Insurance
Location: Livonia, Michigan
Founded: 1969
AAA Life specializes in life insurance products, offering term life, whole life, and accident insurance. It serves both AAA members and non-members, focusing on simplicity and personalized service. AAA Life is known for making life insurance more accessible and easy to understand, especially for people buying coverage for the first time.
4. Acuity Insurance
Location: Sheboygan, Wisconsin
Founded: 1925
Acuity Insurance is a regional insurer that offers auto, home, business, and umbrella coverage. It’s widely respected for its strong customer satisfaction ratings and outstanding support for small and mid-sized businesses. Acuity is also known for its excellent employee culture and financial stability. With a deep commitment to community and customer service, it continues to grow across several U.S. states.
5. Aflac
Location: Columbus, Georgia
Founded: 1955
Aflac is one of the most recognized names in supplemental insurance, offering policies that help cover expenses health insurance doesn’t, like lost income or out-of-pocket medical costs. Aflac is especially popular for its accident, cancer, critical illness, and short-term disability plans. It’s known for fast claims payouts—sometimes in just one day—and a strong presence in both individual and employer-provided coverage.
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