Does your auto insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Will you find out 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 32 largest (insuring 10,00 vehicles or more in NJ) auto insurance companies in New Jersey, and rank them from best to worst based on their 2010 NJ complaint record (Accurate 2011 data 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 New Jersey Department of Banking & Insurance website is the source of my information about car insurance complaint records. I provide the New Jersey complaint index for each car insurance company, but I devised a letter grade system to make it easier to tell an insurance company with a great or good complaint record, from an insurance company with a poor or average complaint record.

Here’s my grading system:

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.

I also list the New Jersey complaint index number. The lower the number, the better the complaint record: 1 is average. Below 1 is better than average. More than 1 is worse than average.

32 Top Auto Insurance Companies Ranked from Best to Worst by Their 2010 NJ Complaint Records

1. New Jersey Manufacturers Insurance Company = A+ (No complaints)

2. Palisades Insurance Group = A+ (No complaints)

3. Esurance Insurance Company of New Jersey =  A+ (No complaints — but Esurance ranked last for complaints in 2009, and had the 5th worst complaint record in 2008).

4. IDS Property Casualty Insurance Company = A+ (No complaints)(IDS is part of Ameriprise insurance, and sells auto insurance directly to the public and through Costco).

5. Farm Family Casualty Insurance Company = A+ (No complaints)

6. Chubb Insurance Company of New Jersey = A+ (No complaints)

7. Founders Insurance Company = A+ (No complaints)

8. Electric Insurance Company = A+ (No complaints — but Electric Insurance Co., which has discounts for GE employees, had the 3rd worst complaint record in 2009, and the 7th worst complaint record in 2008.)

9. Bankers Standard Insurance Company = A+ (No complaints)

10. High Point Insurance Group = A+ (.105)

11. AAA Mid-Atlantic Insurance Group = A (.436)

12. Encompass Insurance Group = B+ (.547)

13. Progressive Insurance Group = B (.695)

14. Selective Insurance Group = B (.707)

15. State Farm Insurance Group = B (.768)

16. Liberty Mutual Insurance Group = C+ (.902)

17. Travelers Insurance Group = C+ (.907)

18. Geico Insurance Group = C (.968)

19. Citizen’s United Reciprocal Exchange = C (.969)

20. New Jersey Skylands Insurance Association = D+ (1.269)

21. Praetorian Insurance Company = D (1.498)

22. USAA Insurance Group = D (1.567) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).

23. Hanover Insurance Group = D (1.738)

24. Amica Property & Casualty Insurance Company = D (1.757)

25. American Commerce Insurance Company = D (1.836)(American Commerce Insurance is sold through AAA offices across NJ)

26. Farmers Insurance Group = D (1.895)

27. Allstate Insurance Group = F (2.433)

28. Metropolitan Insurance Group = F (2.496)

29. Mercury Indemnity Company of America = F (3.107)

30. Hartford Underwriters Insurance Company = F (3.860)

31. IFA Insurance Company = F (6.425)

32. Personal Service Insurance Company = F (8.240)

Now you know the complaint records of the major auto insurance companies in NJ, you are ready to shop for a lower rate with a good car insurance company. You really can save a bundle on car insurance, but many people fail to find the savings, because they don’t check the rates of ALL the leading auto insurance companies. Don’t be one of the suckers paying too much for auto insurance. By shopping your auto insurance each year, you can find a better price and better customer service. My website has the information to help you do it.

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