2026 Insurance Companies Report Card

The Ten Largest Insurers:

As is the case most years, none of the 10 largest national auto insurers scored higher than the national average (680) this year nor earned higher than a "C+" grade. More than 60 other companies scored higher.

And it's not getting better. USAA did move up to a "C-" after receiving a "D+" the prior two years, and Allstate received a "D+" rather a straight "D" as it did the year prior. But no other Big 10 received an improved grade this year. Progressive dropped from a "C" to a "C-," and State Farm received a "D+" rather than the "C-" it received in 2024 and 2025.

The Top 10 insurers are among the companies that designate some body shops as part of their affiliated network, known in the industry as a "direct repair program," or DRP. Insurers often encourage consumers to choose a shop that is part of their DRP. These programs typically require the participating shops to agree to discounted pricing or additional administrative work in exchange for the insurer's recommendation when policyholders have a claim.

Such agreements can streamline a shop's ability to work with that insurance company. That might help explain why shops that participate in an insurer's DRP almost always give higher grades to that insurer than shops that don't. State Farm, for example, earned a "B-" from those shops with which it has a direct repair relationship, but only a "D-" from shops that are not part of State Farm's DRP.

However, participation in a DRP doesn't always mean a shop will give that insurance company a good grade. Geico and Farmers each earned a grade of "C+" from those companies' direct repair shops, not that much better than the "C-" they each received from non-affiliated shops.

If you would like to see the complete results of the Annual Crash Network Survey to see how your insurance company ranked then click here and scroll down to DOWNLOAD THE 2026 REPORT CARD.