BEST INSURANCE COMPANIES

 fter another tumultuous year filled with financial uncertainty, devastating weather events and regulatory changes, insurance companies remain caught in a “double bind,” says Todd Greenbaum, president and CEO of Input 1, a technology company that develops digital billing and payment systems for insurers. “Economic inflation is pushing up claim costs, while climate volatility is making risk harder to price,” he explains. “There’s a trust issue, too. As premiums rise and coverage shrinks, consumers are starting to question the value equation.”

Indeed, a 2025 survey from LendingTree and ValuePenguin found that 24% of policyholders don’t think their homeowners insurance is worth the expense, and 34% of policyholders say they’ve reduced their home coverage to save money. Meanwhile, consumers expect insurers to offer tailored policies based on individual needs along with “digital-first, user-friendly tools,” says Greenbaum. “Today’s insurance customer wants the same thing they get from Amazon: transparency, immediacy, personalization and control.”

These expectations, however, are not unreasonable. Many insurers are delivering customized coverage that meets policyholders where they are, whether that’s via a mobile app, an online claims portal or a supportive phone call with a representative who can help clients navigate a loss. To help customers identify these top insurance providers, Forbes has ranked America’s Best Insurance Companies for the fifth straight year.

The rankings, which were produced in partnership with market research firm Statista, were derived by surveying more than 18,000 people across the United States who reported having an insurance policy within the last three years in at least one of five categories: homeowners, renters, auto, permanent life and term life. Survey respondents were asked how satisfied they were with their insurer, how loyal they felt toward the company and how likely they were to recommend it to others. Participants were also asked to rate their insurance providers on such criteria as the advice agents offered, customer service, cost, company transparency, digital services and damage services.

The survey results were then tallied and combined with responses from the last two years (which received lower weights) so that the scores would reflect performance over time. The companies with the highest scores made our rankings. (The list lengths vary for each insurance type, as each list is dependent on the number of evaluations collected, the final score and the size of that insurance market.)

Ultimately, out of more than 3,100 eligible U.S. insurance companies, a total of 93 companies were recognized in at least one of the five insurance categories on Forbes list of America’s Best Insurance Companies, which is presented directly below.

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As with all Forbes lists, companies pay no fee to participate or be selected. To read more about how we make these lists, click here. For questions about this list, please email listdesk [at] forbes.com