In 2023, the National Association of Insurance Commissioners (NAIC) published the turnover as of 31 December 2022 of the active insurers in the United States.
The top 25 life insurers accumulated 139.41 billion USD, that is 72.01% of life premiums. Meanwhile, the 25 leaders in non-life insurance generated a turnover of 583.64 billion USD, that is 67.06% of the non-life market.
**Top 10 Best USA Insurance Companies for Your Needs**

Looking for the top 10 best USA insurance companies for your needs? Look no further! In this comprehensive article, we'll guide you through the top-rated insurance providers to help you make an informed decision. From coverage options to customer service, we've got you covered.

Introduction

When it comes to securing your financial future and protecting your assets, choosing the right insurance company is of utmost importance. With the plethora of options available in the market, finding the best USA insurance companies that cater to your specific needs can be overwhelming. That's why we've compiled this extensive list of the top 10 insurance providers to simplify your decision-making process. We'll explore their features, offerings, and reputations, ensuring you can select the perfect insurance company that aligns with your requirements.

Top 10 Best USA Insurance Companies

Below is a comprehensive list of the top 10 best USA insurance companies. We've evaluated each one based on factors like coverage options, customer satisfaction, financial stability, and overall reputation.

Company	Life insurance options	Market share in 2022
1. Northwestern Mutual 5.0 NerdWallet rating	Term life. Whole life. Universal life.	11.4%
2. MassMutual 5.0 NerdWallet rating	Term life. Whole life. Universal life. Variable universal life.	6.9%
3. New York Life 5.0 NerdWallet rating	Term life. Whole life. Universal life. Variable universal life.	6.8%
4. Prudential 4.0 NerdWallet rating	Term life. Universal life. Variable universal life. Indexed universal life.	5%
5. Lincoln Financial 4.0 NerdWallet rating	Term life. Universal life. Variable universal life. Indexed universal life.	4.3%
6. State Farm 5.0 NerdWallet rating	Term life. Whole life. Universal life.	3.5%
7. Guardian 5.0 NerdWallet rating	Term life. Whole life. Universal life. Variable universal life.	3.2%
8. John Hancock 4.0 NerdWallet rating	Term life. Universal life. Variable universal life. Indexed universal life.	3.1%
9. Pacific Life 5.0 NerdWallet rating	Term life. Universal life. Variable universal life. Indexed universal life.	2.9%
10. Transamerica 3.0 NerdWallet rating	Term life. Whole life. Universal life. Indexed universal life.	2.9%

Read More:how life insurance protect your financial future against inflation

Find the best life insurers

In the market for a specific policy? Check out NerdWallet’s top picks across these life insurance categories:

How to choose a life insurance company

What makes a good life insurance company? A few factors. When comparing life insurers, consider:

Financial strength rating. These ratings are assigned by agencies like AM Best, and point to a company’s ability to pay out claims long into the future. Each ratings agency uses its own criteria and has its own ranking system, so an A+ from one agency will not mean the same as an A+ from another agency.
Complaint ratios. These indicate how satisfied customers are with the service they receive from their life insurance companies. Nerd Wallets star rating methodology assesses data from the National Association of Insurance Commissioners, and favors life insurers with low complaint volumes. The complaint volumes are adjusted for company size.
Policy options. Some companies specialize in term or permanent life insurance, but most offer both types. It’s important to choose a carrier that offers the type of policy that will meet your goals and needs.