Maryland Auto Insurance Reviews: Complaint Ratings for 40 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 insurance company good or bad? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the 40 leading Maryland auto insurance companies and ranks them from best to worst, based on their 2010 national complaint record (Accurate 2011 complaint records are 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!

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. Maryland is one of them. The complaint ratios are needed 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 usually a good place to find out consumer information about insurance & insurance companies.

Here is the link to the Maryland Insurance Administration Website, which I used as a resource to determine the major insurance companies, covering more than 91% of the Maryland auto insurance market.

As I wrote earlier 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 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 website and 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. For example, Geico has 4 companies on the list, including Geico General Insurance Company & Geico Casualty Company. Some company’s names do not indicate their parent company. For example, Garrison Property & Casualty Insurance Company is a part of USAA. 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.

40 Maryland Car Insurance Companies Ranked from Best to Worst by Their 2010 National Complaint Records

1. Progressive Specialty Insurance Company = A (.26)

2. Progressive American Insurance Company = A (.28)

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

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

5. Amica Mutual Insurance Company = A (.43)

6. USAA General Indemnity Company = A (.44)

7. Progressive Advanced Insurance Company = A (.47)

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

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

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

11. Encompass Home & Auto Insurance Company = B+ (.53)

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

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

14. Allstate Indemnity Company = B (.57)

15. Garrison Property & Casualty Insurance Company (USAA) = B (.60)

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

17. Geico Indemnity Company = B (.62)

18. Progressive Classic Insurance Company = B (.62)

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

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

21. United Services Automobile Association (USAA) = B (.71)

22. Nationwide Mutual Fire Insurance Company = B (.71)

23. Nationwide General Insurance Company = B (.75)

24. Erie Insurance Exchange = B (.78)

25. IDS Property Casualty Insurance Company = B (.79)

26. Pennsylvania National Mutual Casualty Insurance Company = B (.86)

27. Allstate Insurance Company = C (.96)

28. USAA Casualty Insurance Company = C (.96)

29. Encompass Insurance Company of America = C- (1.09)

30. Unitrin Auto & Home Insurance Company = D (1.37)

31. Geico Casualty Company = D (1.58)

32. Trumbull Insurance Company (Hartford) = D (1.61)

33. Brethren Mutual Insurance Company = D (1.70)

34. State Auto Property & Casualty Insurance Company = F (2.11)

35. Agency Insurance Company of Maryland Inc. = F (2.23)

36. American States Preferred Insurance Company = F (2.24)

37. Titan Indemnity Company = F (2.51)

38. Peninsula Insurance Company = F (3.24)

39. Keystone Insurance Company = F (4.43)

40. Maryland Automobile Insurance Fund = Not rated*

*The Maryland Automobile Insurance Fund (MAIF) was created by the Maryland State Legislature in 1972 for the purpose of providing automobile liability insurance for those residents of the State of Maryland who are unable to obtain it elsewhere in the private insurance market.

If you are insured by MAIF, you should shop your auto insurance now to get better coverage or lower rates through the private market, or find out when you will be eligible to do so.

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