Washington State Auto Insurance Reviews: Complaint Ratings for 40 Leading Companies

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? 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 40 Biggest (by Washington market share) auto insurance companies, and rate them based on their 2010 Washington complaint record (2011 complaint data not available yet). Find out the best & worst companies.

The Washington State Office of the Insurance Commissioner website is the source of my information about market share & complaint information. I provide the Washington 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.

Your state’s complaint index should be more important to you, since an auto insurance company performing well nationwide may have problems locally, but you go to my website to see national complaint ratios, as well as JD Power & AM Best ratings, on the major auto & home insurance companies.

Here is my grading system. I also list the Washington 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.

40 Top Auto Insurance Companies Rated by their 2010 Washington Complaint Ratings (Listed Alphabetically)

 Allstate Fire & Casualty Insurance Company = B (.76727)

 Allstate Indemnity Company = D (1.42920)

Allstate Insurance Company = B- (.8817)

Allstate Property & Casualty Insurance Company = B- (.89097)

American Commerce Insurance Company = F (2.30012) (American Commerce Insurance is sold through AAA offices across Washington)

American Family Mutual Insurance Company = D (1.61346)

Amica Mutual Insurance Company = B (.69789)

Country Mutual Insurance Company = C (.94468)

Country Preferred Insurance Company = B (.58359)

Esurance Insurance Company = B (.70597)

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Farmers Insurance Company of Washington = C (.93670)

First National Insurance Company of America = A (.47645)

Geico General Insurance Company = C (1.00740)

Geico Indemnity Company  = D+ (1.11110)

Government Employees Insurance Company (A Geico company) = C (.96852)

Hartford Casualty Insurance Company = D- (1.98007)

Hartford Underwriters Insurance Company = D (1.68658)

IDS Property Casualty Insurance Company = C (1.01200)(IDS is part of Ameriprise insurance, and sells auto insurance directly to the public and through Costco).

Liberty Mutual Fire Insurance Company = B- (.88006)

Metropolitan Casualty Insurance Company (A Metlife company) = B (.80596)

Mutual of Enumclaw Insurance Company = B (.59252)

Nationwide Agribusiness Insurance Company = B (.84498)

Nationwide Insurance Company of America = D (1.25995)

Pemco Insurance Company = B (.70317)

Pemco Mutual Insurance Company = A (.43306)

Progressive Casualty Insurance Company = B (.82489)

Progressive Direct Insurance Company = B- (.89324)

Progressive Max Insurance Company = B (.75766)

Progressive Northwestern Insurance Company = D (1.20693)

Property & Casualty Insurance Company of Hartford = F (2.39469) (Part of the Hartford Insurance Group)

Safeco Insurance Company of Illinois = B (.68139)

State Farm Fire & Casualty Company = B (.85428)

State Farm Mutual Automobile Insurance Company = B (.66959)

Travelers Home & Marine Insurance Company = D+ (1.11757)

Twin City Fire Insurance Company = D (1.66510)

Unigard Insurance Company = A (.42880)

Unitrin Auto & Home Insurance Company = C (1.02630)

*USAA (United Services Auto Association) = A- (.48731)

*USAA Casualty Insurance Company = B (.76332)

*USAA General Indemnity Company = B (.61610)

*USAA sells only to the military, their immediate family members, and honorably discharged veterans.

Many people pay too much for their insurance because they never shop for better rates, or if they do shop, they don’t check the rates of enough companies. For a lot of people, the best auto & home insurance companies are the ones with the coverage they need at a lower price. With auto & home insurance, you don’t get better service or coverage because you pay more. Some of the best companies have competitive rates. Some companies charge twice as much as others for the same coverage. But no single company has low rates for everyone. You have to shop with all the leading companies, to find the company with the best coverage and best price for you.

Do you have any questions or commentary about these ratings? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.