Montana Auto Insurance Reviews: Complaint Ratings for 16 Top Companies

Does your auto 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 any good? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for 16 leading Montana auto insurance companies, selling the most car insurance in the state, and rates & ranks them based on their 2010 national complaint record (Accurate 2011 complaint information is not available yet). Know the best and worst auto insurance companies in Montana!

I’m always blogging to help you find the best policies and prices for car, house, & life insurance, so bookmark or place my website in your favorites!

With my state reviews, I like to use the state complaint ratios, so you can know 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. Montana is one not providing state complaint statistics. Complaint ratios are needed to compare car insurance companies, to see if the insurance company has a higher than average, or lower than average number of complaints, adjusted for 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 Montana Department of Insurance Website, which I used as a resource to find these 16 leading companies.

As I mentioned earlier in this blog post, complaint ratios help you 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 good or great complaint record, from an insurance company with a poor or so-so complaint record.

See my web site 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 (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 almost always have several subsidiary auto insurance companies, and you can’t always tell the parent company by the subsidiary name. For example, Depositors Insurance Company is a part of Allied Insurance (Which is owned by Nationwide Insurance, but operates under its own name) Make sure you know the correct name of the insurance subsidiary company 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 auto 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. You can use my website to find more companies not on this list.

16 Top Montana Car Insurance Companies Ranked & Rated from Best to Worst by Their 2010 National Complaint Records

1. Mountain West Farm Bureau Mutual Insurance Company = A (.28)

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

3. Depositors Insurance Company (An Allied company) = A (.35)

4. Allstate Fire & Casualty Insurance Company = A (.39)

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

6. Mid-Century Insurance Company = A- (.48)

7. Progressive Northwestern Insurance Company = A- (.49)

8. Trinity Universal Insurance Company (A Kemper/Unitrin company) = A-(.50)

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

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

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

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

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

14. Farmers Insurance Exchange = C (.95)

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

16. Sentinel Insurance Company (A Hartford company) = D (1.27)

Now you know the complaint ratings for the leading auto insurance companies in Montana. 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 major insurance companies, evaluate their customer service, and find the best price for you.

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