Short answer: there’s no single “most trusted” insurance company — trust depends on what you mean (claims handling, customer satisfaction, financial strength, low complaint rates, or broad brand trust). Below are the companies that consistently top each of those measures in the U.S., plus how to check them for yourself.

What “most trusted” usually means (and top examples)

• Best for claims satisfaction (home & auto): J.D. Power’s studies are widely used. In J.D. Power’s 2025 property-claims study Chubb ranked #1 for homeowners claims; in J.D. Power’s recent auto studies regional winners include Erie and NJM (NJM was #1 in the 2024 Auto Claims Satisfaction Study). (jdpower.com, njm.com)
• Best overall customer satisfaction for shopping/experience (auto): Erie and several regional carriers rank highly in J.D. Power’s insurance-shopping and auto studies. (Large national carriers like State Farm, Amica and AAA groups also show up high in many regions). (jdpower.com)
• Best for financial strength (ability to pay claims): ratings from A.M. Best (and S&P/Moody’s) matter most. Highly rated groups (examples often showing top ratings or affirmations) include Chubb and many major national carriers; use AM Best to verify the insurer/subsidiary you’ll be buying from. (ratings.ambest.com, news.ambest.com)
• Best for brand-level consumer trust surveys: USAA and State Farm frequently top consumer trust/brand-trust surveys for insurance; USAA often ranks highest for trust among its eligible population (military families). (Note: USAA eligibility is limited to military members/families.) (lifestoryresearch.com, liveinsurancenews.com)
• Best for life & long‑term products: independent rankings (U.S. News, Insurance.com, etc.) often list Northwestern Mutual, MassMutual, Pacific Life, New York Life and similar well‑established mutuals as top choices for life insurance because of a mix of financial strength and customer reviews. (usnews.com, insurance.com)
• Complaints / consumer problems: the NAIC complaint index shows whether a carrier generates more or fewer complaints than expected for its size — a low NAIC index is a positive signal. Always check the NAIC complaint data for the specific company and product you’re considering. (investopedia.com, content.naic.org)

How to pick the “most trusted” insurer for you (quick checklist)

1. Decide what matters most: claims speed/experience, lowest price, financial strength, or specialized service (e.g., high-value homes, military).
2. Check independent measures:
   • Claims & satisfaction: J.D. Power studies (auto, property, shopping). (jdpower.com)
   • Financial strength: A.M. Best / S&P / Moody’s for the exact legal entity (subsidiaries can differ). (ratings.ambest.com)
   • Complaints: NAIC complaint index for the product and state. (content.naic.org, investopedia.com)
   • Brand-trust surveys: Lifestory Research, Morning Consult, Axios/Harris Poll (useful for overall reputation). (lifestoryresearch.com, pro.morningconsult.com)
3. Get personalized quotes and read the policy: identical company names can offer different coverage/price by state, agent vs. direct purchase, and by legal subsidiary.
4. Ask about claims process and average claim turnaround; look for recent J.D. Power or other study results that measure “time to payout” and communication. (jdpower.com)

Typical “most trusted” names (summary)

• For personal auto/home claims experience and satisfaction: NJM, Erie, Amica, Chubb, The Hartford (varies by region and by study). (njm.com, jdpower.com)
• For military families / strongest brand trust among eligible customers: USAA (if you qualify). (lifestoryresearch.com)
• For life insurance / financial security: Northwestern Mutual, MassMutual, Pacific Life, New York Life (rankings vary by source and product). (insurance.com, usnews.com)
• For financial‑strength reassurance: look for carriers with top A.M. Best (or comparable) ratings (examples include Chubb and other A++/A+ rated carriers — verify the specific legal entity). (ratings.ambest.com, news.ambest.com)

If you want, I can:

• Look up the J.D. Power / NAIC / A.M. Best scores for a specific insurer you have in mind, or
• Compare 3–5 specific companies (auto, home, or life) side‑by‑side for your state.

(Notes: the recommendations above are based on industry studies and consumer surveys published in 2024–2025; "most trusted" results can change by study, by state, and by product.)