Do you know if your auto insurance company has a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Most consumers fail to check the complaint records of their insurance companies. Will your company turn out to be good or bad when you need them? Here I provide complaint information for the 40 biggest (by Missouri market share, based on premium) auto insurance companies, covering more than 88% of the Missouri car insurance market. I rate & rank them, from best to worst, based on their auto insurance complaints for the last three years, 2008 through 2010. (Accurate 2011 data not available yet).
I’m always blogging to help you get the coverage you need, and great prices for auto, home, & life insurance, so bookmark or place my website in your favorites!
The Missouri Department of Insurance website is the source of my information about market share & complaint information.
The Missouri automobile insurance complaint index considers each insurance company’s number of automobile complaints in 2008, 2009, & 2010, and compares it to the industry average number of complaints it should have, based on it’s market share in Missouri.
For example, a Missouri auto insurance complaint index of 100 is average. An index of 25 is only 25% of the industry average for auto insurance complaints. An index of 150 is 50% more than the industry average number of complaints. The car insurance companies with the best complaint records have the lowest numbers for their Missouri auto insurance complaint index.
I provide the Missouri automobile complaint index for each car insurance company, but I devised a letter grade system 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.
Here is my grading system:
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.
For additional information, visit my website to see AM Best ratings, JD Power customer satisfaction rankings, & national complaint ratios on auto insurance companies (or to find complaint information regarding homeowners insurance) not on this list.
Insurance companies frequently have several subsidiary insurance companies selling auto insurance. The name of the subsidiary company does not always indicate the parent company. For example, you know you have Farmers insurance, but the Farmers subsidiary insurance company insuring you is called Mid-Century Insurance Company. Make sure you know the correct name of the insurance subsidiary quoting or insuring you, to check the proper complaint grade.
40 Auto Insurance Companies Ranked & Rated from Best to Worst by their 2008-2010 Missouri Auto Insurance Complaint Index
1. Progressive Casualty Insurance Company = A (42)
2. Shelter Mutual Insurance Company = A (44)
3.Allied Property & Casualty Insurance Company = A (46)
4. Nationwide Affinity Insurance Company Of America = A (46)
5. State Farm Mutual Automobile Insurance Company= A- (48)
6. American Family Mutual Insurance Company = B (54)
7. USAA Casualty Insurance Company = B (58)
8. Progressive Max Insurance Company = B (61)
9. United Services Automobile Association (USAA) = B (63)
10. Hartford Underwriters Insurance Company = B (69)
11. State Farm Fire & Casualty Company = B (71)
12. Farm Bureau Town & Country Ins Co Of MO = B (76)
13. Progressive Direct Insurance Company = B (78)
14. Progressive Preferred Insurance Company = B (79)
15. Progressive Northwestern Insurance Company = B (80)
16. Government Employees Insurance Company (GEICO) = B (82)
17. Travelers Home & Marine Insurance Company = B (83)
18. Liberty Mutual Fire Insurance Company = B- (86)
19. American National Property & Casualty Company = B- (87)
20. American Standard Insurance Co of WI (American Family) = C+ (92)
21. Columbia Mutual Insurance Company = C+ (92)
22. Allstate Fire & Casualty Insurance Company = C (96)
23. Farmers Insurance Company Inc = C (98)
24. Cameron Mutual Insurance Company = C (100)
25. Cornerstone National Insurance Company = C (103)
26. Midwestern Indemnity Company = D+ (117)
27. Safeco Insurance Company Of Illinois = D+ (118)
28. Automobile Club Inter-insurance Exchange = D+ (120)
29. Allstate Insurance Company
= D+ (120)
30. GEICO General Insurance Company = D (135)
31. Mid Century Insurance Company (Farmers) = D (135)
32. Allstate Property & Casualty Insurance Company = D (149)
33. Dairyland Insurance Company = D (158)
34. Property & Casualty Insurance Co of Hartford (The Hartford) = D (158)
35. GEICO Indemnity Company
= D (176)
36. Twin City Fire Insurance Company (The Hartford) = D (179)
37. Esurance Insurance Company
= D (182)
38. Bristol West Insurance Company = F (306)
39. Viking Insurance Company Of Wisconsin = F (323)
40. Safe Auto Insurance Company = F (358)
Now you know how the largest Missouri 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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