the top four companies in the Consumer Reports best car insurance rankings survey of CR subscribers, were not the big spenders on advertising (Geico, Progressive, and Allstate)

Consumer Reports has conducted two recent surveys on the subject of auto insurance. The first was limited to CR subscribers, more than 40,000 of the magazine's readers providing nearly 50,000 responses on some aspect of their car insurance experience with 36 companies. The biggest takeaway is that giant ad spends work, but flooding the airwaves and fiber optic cables with commercials doesn't equate to the best customer experience. The insurers ranked in the top four, with scores above 80 out of 100, are USAA Group, NJM Insurance Group, Amica Mutual Group, and Erie Insurance Group.

USAA was the only one to get straight Superlative ratings in all seven categories, which include premium prices, claims settlements, customer service and breadth of coverage.

Amica, NJM, and Erie are local companies, not nationally available

https://www.autoblog.com/2023/03/21/best-auto-insurance-companies-consumer-reports-rankings/

https://www.foxnews.com/auto/consumer-reports-best-car-insurance-companies