Does your car insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? How do you know if your company is any good? Will you find out it’s bad? Most consumers fail to check the complaint records of their insurance companies. This blog post provides car insurance complaint information for 38 of the biggest (by market share in North Carolina, based on each company’s auto insurance premium collected in the state) insurance companies and ranks them, from best to worst, based on their 2010 auto insurance complaints in North Carolina (Accurate 2011 data not available yet).I blog daily to help you get the best policies and prices for auto, home, & life insurance, so bookmark or place my website in your favorites!

The North Carolina Department of Insurance website is the source of my information about market share & complaint information. The North Carolina complaint ratio is determined by the number of complaints per one million dollars of direct written auto insurance premium. The ratio is used so you can compare the complaint records among auto insurance companies fairly.

For example, Pennsylvania National Mutual Casualty Insurance Company had .35 complaints per one million dollars of auto insurance premium it collected in 2010. Allstate Indemnity Company had .77 complaints per one million dollars of auto insurance premium it collected in North Carolina for 2010, which is more than two times the number of complaints per one million dollars of premium than Pennsylvania National. But both of these companies have a much better 2010 North Carolina auto insurance complaint ratio than Hartford Underwriters Insurance Company, which at 1.49, is almost twice the number of auto insurance complaints for Allstate Indemnity, and more than four times the number of complaints for Pennsylvania National.

The complaint ratio is important, because a car insurance company with many more customers is likely to have a larger number of complaints than a smaller insurance company, because it handles more customer transactions.

For example, a large auto insurance company may handle 20,000 total loss auto claims, and have ten valid complaints in regards to how these claims were handled. A smaller car insurance company may have 3,000 total loss auto claims, but only three valid complaints.

Even though the larger insurance company had more than three times the number of complaints than the smaller car insurance company, the larger insurance company has 1 complaint per 2,000 claims, and the smaller company has 1 complaint per 1,000 claims. The larger insurance company really has the better complaint record.

The North Carolina complaint ratio uses the number of NC auto insurance complaints against the company per one million dollars of auto insurance premium earned by the company, so you can compare an auto insurance company’s complaint records with other auto insurance companies fairly, regardless of the size of the companies.

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

Using the example from above, Allstate Indemnity Company has more than double the number of complaints than Pennsylvania General, but they may both be good complaint records, compared with other auto insurance companies in North Carolina, and we don’t know how they relate to the average for North Carolina auto insurance market.

You want to consider other factors, beyond one year’s complaint ratio, when deciding on an insurance company.

For additional information to help you choose an auto insurance company, visit my website to see national auto insurance 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, and the name of the subsidiary may be different than the parent insurance group. For example, Progressive has three companies on the list: Progressive Premier Insurance Company of Illinois, Progressive Southeastern Insurance Company, and Progressive Universal Insurance Company. Make sure you know the proper name of the insurance subsidiary company quoting or insuring you, to check the correct complaint ratio.

Here’s my list. Remember to shop with all the leading auto insurance companies, to find the best combination of price, coverage, & service.

38 Top North Carolina Auto Insurance Companies Ranked from Best to Worst by their 2010 NC Auto Insurance Complaint Ratios

1. Pennsylvania National Mutual Casualty Insurance Company = .35

2. Central Mutual Insurance Company = .36

3. Nationwide Insurance Company of America = .38

4. Amica Mutual Insurance Company = .39

5. Standard Fire Insurance Company (Travelers) = .47

6. State Auto Property & Casualty Insurance Company = .48

7. Progressive Premier Insurance company= .50

8. State Farm Mutual Automobile Insurance Company = .51

9. Erie Insurance Exchange = .52

10. Owners Insurance Company (Auto Owners) = .52

11. United Services Automobile Association (USAA) = .53

12. Nationwide Mutual Insurance Company = .57

13. North Carolina Farm Bureau Mutual Insurance Company = .58

14. Nationwide Property & Casualty Insurance Company = .60

15. Peerless Insurance Company = .61

16. Erie Insurance Company = .61

17. USAA General Indemnity Company = .62

18. Allstate Property & Casualty Insurance Company = .65

19. Progressive Southeastern Insurance Company = .67

20. Integon National Insurance Company = .70

21. Unitrin Auto & Home Insurance Company = .71

22. Government Employees Insurance Company (GEICO) = .76

23. Allstate Indemnity Company = .77

24. Nationwide Affinity Insurance Company of America = .83

25. USAA Casualty Insurance Company = .83

26. Progressive Universal Insurance Company = .99

27. Nationwide Mutual Fire Insurance Company = 1.07

28. Universal Insurance Company = 1.17

29. Geico Indemnity Company = 1.18

30. Discovery Insurance Company = 1.21

31. Liberty Mutual Insurance Company = 1.36

32. Auto Owners Insurance Company = 1.42

33. Hartford Underwriters Insurance Company = 1.49

34. Metropolitan Property & Casualty Insurance Company (Metlife) = 1.69

35. Peak Property & Casualty Insurance Corporation = 1.93

36. Allstate Insurance Company = 2.13

37. Agent Alliance Insurance Company = 3.65

38. State National Insurance Company, Inc. = 5.59

Now you know how the largest North Carolina 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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