Does your auto insurance company have many complaints? Will you have a problem placing a claim, or have a valid claim delayed or denied? Is your company going to provide you with a good or bad experience? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for the 11 largest auto insurance companies, covering 95% of the Hawaii auto insurance market, and rank them, from best to worst, based on their 2009 Hawaii auto insurance complaint ratios (2009 is the most recent year for which state data is available).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 Hawaii Department of Commerce & Consumer Affairs: Insurance website is the source of my information about market share & complaint information. The Hawaii complaint ratio is the number of written complaints per 1,000 vehicles insured by the company.

For example, State farm had .138 complaints per 1,000 cars it insures. If another company has .450 complaints per 1,000 cars it insures, its complaint record is more than three times as bad as State Farm’s complaint record. The lower the number is for the complaint ratio, the better the company’s complaint record is, compared to companies with a higher number for their complaint ratio.

All written complaints are included in the Hawaii auto insurance complaint ratio, even complaints where no action was required, because the insurance company did nothing wrong.

For example, a consumer may mail a written complaint to the Hawaii Department of Insurance complaining about a company’s high auto insurance rates. But the insurance company is charging the proper rate for the customer, based on the company’s rates filed with the state.

Rather than the customer wasting their time writing a complaint about high rates, the customer’s time would have been better spent shopping, to see if another insurance company had lower rates for them.

Unlike the national complaint ratios on my website, each insurance company’s Hawaii auto insurance complaint ratio is not compared to an average number of complaints based on the auto insurance market. The Hawaii complaint ratio is useful only when comparing insurance companies.

For additional information, go to my website to see national complaint ratios, AM Best ratings, & JD Power customer satisfaction ratings on auto insurance companies, or to find information regarding homeowners insurance.

Insurance companies frequently have several subsidiary auto insurance companies. For example, Government Employees Insurance Company, and Geico General Insurance Company, both sell auto insurance, and are Geico companies.

Hawaii combines the complaints for all the subsidiary companies selling auto insurance in Hawaii for the parent company. So, if your car is insured with Liberty Insurance Corporation, you need to know the company is owned by Liberty Mutual, to check the proper complaint ratio.

Here’s my list. Get insurance price quotes from all these companies to make sure you get the best combination of a low price, proper coverage, & good service.

11 Auto Insurance Companies Ranked from Best to Worst by their 2009 Hawaii Auto Insurance Complaint Ratios

1. USAA (United Services Automobile Association) Insurance Companies (Available only to active military, their families, and honorably discharged veterans) = .091

2. State Farm Insurance Companies = .138

3. First Insurance Companies = .204

4. Hartford Underwriters Insurance Company = .221

5. DTRIC Insurance Company, Ltd.= .252

6. Allstate Insurance Companies = .259

7. Geico Insurance Companies = .282

8. Progressive Insurance Companies = .292

9. Island/Tradewinds Insurance Companies = .292

10. AIG Hawaii Insurance Company (Now owned by Farmers, under the new name, Farmers Insurance Hawaii Inc.) = .545

11. Liberty Mutual Insurance Companies = .607

Now you know how the largest Hawaii auto insurance companies are rated for complaints, go and shop your car insurance. You can get better rates AND better service!

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