Louisiana Auto Insurance Reviews: Complaint Ratings for 20 Top Companies

Does your car insurance company have a huge 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 Louisiana auto insurance companies, covering more than 84% of the 2010 Louisiana auto insurance market, and rates them based on their 2010 national complaint record (Accurate 2011 complaint records are not available yet). Know the best & worst companies!

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!

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 their complaint ratios. Louisiana is one of them. The Louisiana Department of Insurance website says you can call them and ask about an insurance company’s state complaint record, which may be a good idea to check for your auto & home insurance companies, or before you switch to a new company. Complaint ratios are useful to compare auto 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.

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

Here is the link to the Louisiana Department of Insurance Website, which I used as a resource regarding the Louisiana auto insurance market share of each company.

As I mentioned above in this blog post, you need to use the complaint ratio to fairly compare an insurance company’s complaint record with another insurance company’s complaint record. I use the national complaint ratios from my website, for each of the twenty biggest auto insurers in Louisiana, listed below.

I devised a letter grade system, using the national complaint ratios for the car insurance companies listed, 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.

Visit my web site 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 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.

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.

20 Major Louisiana Car Insurance Companies Ranked by Their 2010 National Complaint Records

1. ANPAC (American National Property & Casualty) Louisiana Insurance Company = A+ (No complaints in 2010)

2. Louisiana Farm Bureau Casualty Insurance Company = A+ (.10)

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

4. Progressive Paloverde Insurance Company = A (.41)

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

6. Progressive Security Insurance Company = A (.44)

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

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

9. Liberty Mutual Fire Insurance Company = B (.56)

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

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

12. Geico Indemnity Company = B (.62)

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

14. Automobile Club Inter-insurance Exchange (AAA) = B- (.88)

15. Allstate Insurance Company = C (.96)

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

17. General Insurance Company of America (Safeco) = C (1.04)

18. Safeway Insurance Company of Louisiana = C- (1.08)

19. USAgencies Casualty Insurance Company Inc. = F (2.27)

20. Direct General Insurance Company of Louisiana = F (4.60)

Now you know the complaint ratings for the biggest auto insurance companies in Louisiana. 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.

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