Mississippi Auto Insurance Reviews: Complaint Ratings for 25 Top Companies

Does your auto insurance company have a very large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Will you find out your company is good or bad? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the 25 largest Mississippi auto insurance companies and rates & ranks them, from best to worst, based on their 2010 national complaint record (Accurate 2011 complaint records are not available yet).

I am always blogging to help you get the best policies & 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. Mississippi is one of these states not providing state complaint information. Complaint ratios are used 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.

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 Mississippi Insurance Department Website, which I used as a resource to find the biggest 25 companies based on their share of the Mississippi auto insurance market.

Below is a list of the major auto insurance companies in Mississippi, ranked by their national complaint ratios from my website. A complaint ratio of 1.00 is average. A ratio higher than one is worse than average. A ratio less than 1.00 is better than average. A complaint ratio of 0 means no complaints in 2010. The lowest complaint ratio has the best complaint record, and the highest complaint ratio has the worst complaint record.

For example, a complaint ratio of .25 has one quarter of the number of complaints (after adjusting for the company’s size) of the average company. A complaint ratio of .50 has half the number of claims of the average company. A complaint ratio of 5.00 has a complaint record five times the number of complaints of the average company.

I devised a letter grade system, using the national complaint ratios for the car insurance companies listed, to make it easier 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 for 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. Remember, 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.

25 Top Mississippi Car Insurance Companies Ranked by Their 2010 National Complaint Records

1. Progressive Gulf Insurance Company = A+ (.17)

2. Mountain Laurel Assurance Company (A Progressive company) = A+ (.17)

3. Mississippi Farm Bureau Casualty Insurance Company = A (.29)

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

5. American Bankers Insurance Company of Florida = A (.36)

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

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

8. GuideOne America Insurance Company = A (.45)

9. Metropolitan Casualty Insurance Company = A- (.48)

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

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

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

13. Alfa Insurance Corporation = B (.56)

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

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

16. Geico Indemnity Company = B (.62)

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

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

19. Nationwide Property & Casualty Insurance Company = B (.77)

20. Allstate Insurance Company = C (.96)

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

22. Coast National Insurance Company (A Bristol West / Farmers company) = D (1.24)

23. USA Insurance Company (NOT a part of USAA) = D (1.47)

24. Safeway Insurance Company = F (2.34)

25. Direct General Insurance Company of Mississippi = F (4.43)

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