Does your auto insurance company have a lot of complaints? How good is your company? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Do you know if your company is good or bad? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for the 25 largest (by Oregon market share) auto insurance companies, and rank them from best to worst based on their 2010 complaint record. (Accurate 2011 data is not available yet)

I’m always blogging to help you get the best policies and prices for auto, home, & life insurance, so bookmark or place my website in your favorites!

The Oregon Insurance Division website is the source of my information about market share & complaint information. I provide the Oregon complaint index for each car insurance company, but I devised a letter grade system to make it easy to tell an insurance company with a great or good complaint record, from an insurance company with a poor or average complaint record.

Click on the link below to my website to see complaint ratios on auto insurance companies (or to find complaint information regarding homeowners insurance) not on this list.

Here is my grading system. I also list the Oregon complaint index number (the lower the number the better the complaint record).

A+ = Insurance companies with complaints 25% or less than the average insurance company.

A = Insurance companies with complaints 50% or less than the average insurance company.

B = Insurance companies with complaints 90% or less than the average insurance company.

C = Insurance companies with complaints from 90% to 110% of the average insurance company.

D = Insurance companies with complaints from 110% to 200% of the average insurance company.

F = Insurance companies with complaints over 200% of the average insurance company. More than twice as much as average!

Consider these grades, along with price and other factors (as listed on my website), when choosing an auto insurance company.

Insurance companies frequently have several subsidiary auto insurance companies. Make sure you know the correct name of the insurance subsidiary quoting or insuring you, to check the proper complaint grade.

The 25 Top Auto Insurance Companies Ranked from Best to Worst by their 2010 Oregon Complaint Records

1. Mutual of Enumclaw Insurance Company = A (.33)

2. IDS Property Casualty Insurance Company = A (.39)(IDS is part of Ameriprise insurance, and sells auto insurance directly to the public and through Costco).

3. Allstate Fire & Casualty Insurance Company = A (.39) (There is no data on complaints for this Allstate subsidiary company in  Oregon, so I list the national complaint ratio from the National Association of Insurance Commissioners website. See the link to my website above for more information about the NAIC complaint ratio).

4.  State Farm Fire & Casualty Insurance Company = B+ (.51)

5. Allstate Property & Casualty Insurance Company = B+ (.52)

6. USAA Casualty Insurance Company = B (.61) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).

7. State Farm Mutual Auto Insurance Company = B (.63)

8. Oregon Mutual Insurance Company = B (.66)

9. Country Preferred Insurance Company = B (.69)

10. Country Mutual Insurance Company  = B (.70)

11. Mid-Century Insurance Company = B (.70) (Mid-Century insurance is a part of Farmers insurance (sold by Farmers Agents), and offers nonstandard auto insurance to people with lapses in insurance coverage, tickets, accidents, under 3 years driving experience, reckless driving, DUII, etc. This is a very good complaint record for a nonstandard auto insurance company, but if you now have a better driving record, or one year of continuous auto insurance, you may be able to save a lot of money by shopping your car insurance and finding a standard or preferred auto insurance company with much lower rates.)

12. American Family Mutual Insurance Company = B (.74)

13. Liberty Mutual Fire Insurance Company = B (.84)

14. Progressive Universal Insurance Company = B (.85)

15.  Nationwide Insurance Company of America = B (.87)

16. Safeco Insurance Company of Oregon = C+ (.91)

17. Geico Indemnity Company = C (1.03)

18. Farmers Insurance Company of Oregon = D+ (1.20)

19. Progressive Classic Insurance Company = D (1.33)

20. USAA insurance = D (1.37) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).

21. Geico General Insurance Company = D (1.39)

22. American Commerce Insurance Company  = D (1.50) (American Commerce Insurance is sold through AAA offices across Oregon)

23. Allstate Insurance Company = F (2.11)

24. Property & Casualty Insurance Company of Hartford = F (2.20) (Part of the Hartford Insurance Group)

25. Coast National Insurance Company = F (3.20) (Coast National Insurance is a nonstandard auto insurance company, part of Bristol West Insurance Group, which is part of Foremost Insurance Group, which is a part of Farmers insurance, sold through independent agents. Nonstandard auto insurance, as noted above, is for “high risk” drivers. So if you have accidents, tickets, lapse in insurance coverage, etc.,  you may have a hard time qualifying for car insurance with other insurance companies. You should contact Geico, Progressive, & Esurance if you want to switch to a nonstandard auto insurer with a better complaint record. See the ad below for links to their websites).

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