<h1>2025 car insurer rankings by claim settlement rates, network size and coverage features to guide policy buyers</h1> A 2025 market analysis ranks five major car insurers by claim settlement ratios and network size, finding top performers with settlement ratios from about 92% to 99% and network garages ranging roughly 4,000-11,000. Insurers are noted for differing strengths: two emphasize digital-first, paperless sales and fast customer-facing services with high settlement rates; others highlight extensive cashless garage networks and comprehensive add-ons (zero depreciation, engine protection, roadside assistance). The report advises purchasers to weigh claim performance, coverage options, add-ons, and network reach when selecting policies to ensure legal compliance and financial protection.