Arkansas Auto Insurance Reviews: Complaint Ratings for 20 Major Companies

Does your auto insurance company have a large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Is your company good or bad? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the 20 largest Arkansas car insurance companies, covering 80% of the 2010 Arkansas car insurance market, and rates them based on their 2010 national complaint record (2011 complaint records are not available yet). I also include a list of the top 10 auto insurance companies with the most confirmed complaints in 2010 made by customers in Arkansas.Know the best and worst companies in Arkansas.

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With my state reviews, I like to use the state complaint ratios, to tell you if an insurance company has a better or worse complaint record in your state, compared to competing insurance companies.

Unfortunately, not every state’s insurance department provides complaint ratios. Arkansas happens to be one of them. Arkansas does provide the number of confirmed complaints made against each car insurance company in Arkansas.

But the complaint ratio is needed to compare car insurance companies, to see if the insurance company has a higher than average, or lower than average number of complaints, adjusted based on the insurance company’s market share.

For example, State Farm Mutual Automobile Insurance Company, and Farmers Insurance Company, Inc. each had 7 confirmed auto insurance complaints in Arkansas for 2010.

But the State Farm company’s market share is over 22%, and the Farmers company is only close to 5%. The State Farm company has more than 4 times the number of customers than the Farmers company, but the same number of complaints.

A smaller car insurance company may have 3 complaints, equaling 1 complaint per 10,000 customers, and a large insurance company may have 6 complaints, but only 1 complaint per 100,000 customers. If you insure with the smaller insurance company, you are more likely to have a valid complaint than with the larger insurance company.

Here is a list of 9 of the 10 auto insurance companies with the highest number of complaints in Arkansas for 2010. Considering market share, I left State Farm Mutual Automobile Insurance Company out of the top 10. I chose to do this because 7 complaints, based on its larger number of customers, compared to other car insurance companies in Arkansas with much fewer customers, is actually a very good complaint record.

However, another State Farm company does make this list. The 9 car insurance companies on the list should be a concern for you, if any of them are your insurance company.

10 Arkansas Car Insurance Companies with the largest number of confirmed complaints in 2010

1. Direct Insurance Company: 26 complaints placed, 17 complaints confirmed.

2. State Farm Fire & Casualty Insurance Company: 41 complaints placed, 12 complaints confirmed.

3. Geico Casualty Company: 7 complaints placed, 12 complaints confirmed.

4. Allstate Insurance Company: 21 complaints placed, 10 complaints confirmed.

5. Alfa Vision Insurance Corp: 26 complaints placed, 8 complaints confirmed.

6. Farmers Insurance Company Inc.: 32 complaints placed, 7 complaints confirmed.

7. Allstate Property & Casualty Insurance Company: 14 complaints placed, 7 complaints confirmed.

8. Imperial Fire & Casualty Insurance Company: 11 complaints placed, 6 complaints confirmed.

9. Progressive Casualty Insurance Company: 12 complaints placed, 5 complaints confirmed.

A state’s department of insurance website is usually a good place to find out consumer information about insurance & insurance companies.

The Arkansas Insurance Department website has specific information for Arkansas consumers. You can access Consumer Complaint Reports, create a Complaints by Reason report, and find out the reasons for the complaints for each insurance company on the list above, and all the other auto insurance companies in Arkansas. You can also check the number of complaints for years prior to 2010.

Here is the link to the Arkansas Insurance Department Website, which I used as a resource regarding the number of Arkansas complaints and market share.

As I mentioned earlier in this blog post, you need to use a complaint ratio to fairly compare an insurance company’s complaint record.

Here is a list of the 20 largest auto insurance companies in Arkansas by market share, and ranking them by their national complaint ratios from my website.

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Check out my website to see more complaint ratios, and JD Power customer satisfaction ratings, for auto insurance companies (or to find complaint information regarding home insurance) not on this list.

Here is my grading system. I also list the national complaint ratio (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 home 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. This also applies to the 9 auto insurance companies with the most complaints in 2010 I listed above.

If you want to decrease the chance of having a problem with your insurance company, go with the highest ranked auto insurance company — even if it costs more. The good news is the best car insurance companies often have very good rates — you can go with a better insurance company AND save money.

Here is the list. Remember to shop with as many companies as possible, so you can find the best rates, service, & coverage for you.

The 20 Top Arkansas Car Insurance Companies Ranked (from best to worst) by Their 2010 National Complaint Records

1. Southern Farm Bureau Casualty Insurance Company  = A+ (.12)

2. State Farm Mutual Auto Insurance Company = A (.34)

3. Government Employees Insurance Company = A (.43)

4. Safeco Insurance Company of Illinois = A (.44)

5. Progressive Northwestern Insurance Company = A- (.49)

6. Allstate Property & Casualty Insurance Company = A- (.50)

7. Geico General Insurance Company = B+ (.51)

8. Travelers Home & Marine Insurance Company = B+ (.52)

9. Nationwide Mutual Insurance Company = B+ (.54)

10. Shelter Mutual Insurance Company = B (.58)

11. State Farm Fire & Casualty Company = B (.61)

12. Geico Indemnity Company = B (.62)

13. Progressive Direct Insurance Company= B (.65)

14. State Automobile Mutual Insurance Company = B (.66)

15. United Services Automobile Association = B (.71) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).

16. Auto Club Inter-Insurance Exchange = B- (.88)

17. USAA Casualty Insurance Company = C (.96) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).

18. Allstate Insurance Company = C (.96)

19. Farmers Insurance Company Inc. = C- (1.06)

20. Alfa Vision Insurance Corp = F (3.75)

Now you know the complaint ratings for the biggest auto insurance companies in Arkansas. The next step is to get price quotes by shopping your auto insurance & homeowners insurance with ALL the leading insurance companies, you can get a great price AND great customer service & claims handling. Use my website to find all the leading insurance companies, evaluate their customer service, and find the best price for you.
Do you have any questions or commentary about these Arkansas car insurance complaints, ratings or rankings? 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.