State Farm leads for broad value and satisfaction; Amica is strongest for service, while USAA is compelling for eligible military households.
Best overall for many renters, combining the strongest supplied overall ratings with broad coverage and competitive reported pricing.
NerdWallet called it best value, while Forbes cited its lowest evaluated average costs and low complaints.Best for customer service, with strong ratings and broad availability, though its supplied price evidence is less consistently favorable than State���
NerdWallet named Amica best for customer service at 4.9/5; MoneyGeek ranked it best overall at $116 annually, and CNBC reported an A+ BBB rating.A well-rounded national contender with high published ratings and many coverage choices, but reported costs vary by source.
U.S. News rated Travelers 4.7/5 and named it best for auto bundling; NerdWallet highlighted financial stability, while other supplied rankings cite broad options.A strong choice for eligible military-connected households, with exceptional supplied ratings and distinctive flood and earthquake coverage.
NerdWallet rated USAA 5.0/5 and highlighted flood and earthquake coverage; eligibility is limited to active military, veterans, some federal workers and families.A strong digital-first option for fast claims and lower reported premiums, with narrower supplied availability than the leading national carriers.
CNBC Select named Lemonade best for fast claims approval; MoneyGeek rated its online experience highly, while NerdWallet reported a $125 average annual rate.Three independent write-ins unlock an honorable mention. The 10 strongest active mentions are shown; inactive mentions archive after 12 months. At 25 recent votes, a contender is scored for possible automatic Top 5 promotion.
No honorable mentions yet. Community suggestions appear below while they gather support.
The five criteria create the AI baseline. The community adjustment is then added or subtracted to produce the current published score.
| Criterion | #1State Farm | #2Amica | #3Travelers | #4USAA | #5Lemonade |
|---|---|---|---|---|---|
| 95 | 98 | 88 | 97 | 84 | |
| 94 | 92 | 85 | 84 | 93 | |
| 92 | 89 | 91 | 94 | 84 | |
| 95 | 91 | 91 | 65 | 76 | |
| 88 | 92 | 89 | 96 | 82 | |
| AI baseline scoreWeighted criteria result | 93.1 | 92.8 | 88.5 | 88.2 | 84.8 |
| Community adjustmentVote-share influence | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Current published scoreBaseline + community | 93 | 93 | 89 | 88 | 85 |
The five criteria create the AI baseline. The community adjustment is then added or subtracted to produce the current published score.
| Criterion | #1State Farm | #2Amica | #3Travelers | #4USAA | #5Lemonade |
|---|---|---|---|---|---|
| 95 | 98 | 88 | 97 | 84 | |
| 94 | 92 | 85 | 84 | 93 | |
| 92 | 89 | 91 | 94 | 84 | |
| 95 | 91 | 91 | 65 | 76 | |
| 88 | 92 | 89 | 96 | 82 | |
| AI baseline scoreWeighted criteria result | 93.1 | 92.8 | 88.5 | 88.2 | 84.8 |
| Community adjustmentVote-share influence | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Current published scoreBaseline + community | 93 | 93 | 89 | 88 | 85 |
Choose any two contenders.
We’ll line up what matters.
4.8/5 U.S. News rating; 4.9/5 NerdWallet rating
4.9/5 NerdWallet rating; 4.8/5 MoneyGeek rating
$108 annual premium in MoneyGeek's $20,000-property/$100,000-liability analysis
$116 annual premium in MoneyGeek's comparison
Standard coverage plus earthquake, identity restoration and sewer-or-drain backup options
Replacement cost, identity theft, electronics and high-end-item add-ons
Available in 47 states according to U.S. News
Nationwide except Alaska and Hawaii, according to CNBC Select
A+ AM Best; 1.15 NAIC complaint ratio in Insurance.com's table
A+ AM Best; 0.37 NAIC complaint ratio in Insurance.com's table
Weighted editorial comparison using supplied 2026 ratings, published sample premiums, coverage descriptions, availability and eligibility. US availability is assumed; USAA is limited to eligible military-connected customers.