Does your automobile 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? Is your auto insurance company any good? Will you have a bad experience when you need your insurance company? Most consumers fail to check the complaint records of their car & homeowners insurance companies. This blog post provides complaint information for the thirty largest insurance companies selling auto insurance in South Dakota (based on 2011 market share), and rates & ranks them based on their 2010 national complaint record (Accurate 2011 complaint data is not available yet). Know about the best & worst insurance companies in South Dakota!

I blog frequently to help you get the best policies & prices for auto, home, & life insurance, so bookmark my site, or place it in your favorites!

With my state reviews, I prefer to use state complaint statistics, to tell you if an insurance company has a better or worse complaint record in your state, compared to the state record of competing insurance companies.

Unfortunately, not every state’s insurance department provides state complaint data. South Dakota is one state not having them available. I like it when states provide state complaint ratios. Complaint ratios are helpful to compare insurance companies, to see if a single insurance company has a higher than average, or lower than average number of auto insurance complaints, or more or less auto insurance complaints as compared to other companies.

A state’s insurance department website is usually a good place to find out consumer information about insurance & insurance companies.

Here’s the link to the South Dakota Division of Insurance Web site, which I used as a resource to find the 30 biggest insurance companies, covering about the top 86% of the 2011 S. Dakota auto insurance market, insuring motor vehicles in the state.

As I mentioned, it helps to have an insurance company’s complaint ratio to fairly compare one insurance company’s complaint record with another insurance company’s complaint record.

I devised a letter grade system, using the national auto insurance complaint ratios from my website, for the insurance companies listed below, to make it easy to tell an auto insurance company with a great or good complaint record, from an auto insurance company with a poor or average complaint record.

I list all the companies with close to 1% or more of the South Dakota auto insurance market. But there are many more insurance companies selling car insurance in South Dakota, and a good percentage (roughly 20% of the market) of these companies have less than 1% market share, including big national insurance companies, like Amica, Travelers, Hartford, Liberty Mutual, Nationwide, and Metropolitan (Metlife). These companies may provide great service, and/or have the lowest rates for you.

You can find information about other auto & home insurance companies by going to my website. You can see more national auto & home insurance complaint ratios for other companies not on the list below, in addition to AM Best financial strength ratings and JD Power customer satisfaction ratings for all the major auto & home insurance companies in the USA.

Here is my grading system. Additionally, I list the national auto insurance complaint ratio for each company (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), before choosing an auto insurance company.

Insurance companies usually 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.

For example, American Family has several auto insurance companies selling car insurance in the USA. Two of these companies are on this list: American Family Mutual Insurance Company & American Standard Insurance Company of Wisconsin. If the subsidiary insurance company quoting or insuring you is not on this list, check the insurance review for the parent company on my website to find it. If you can’t locate it, e-mail me, or leave a message for me on Facebook or Twitter, and I will research it for you. See my contact information at the end of this blog post.

If you want to decrease the chance of having a problem with your auto insurance, go with the highest ranked automobile insurance company, although it could cost more. The good news is the best insurance companies often have very good rates. You can insure with a better insurance company AND save money!
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Not all of these companies may be selling new policies, or you may not qualify for every company.

If you currently do not have auto insurance, you have tickets or accidents, or other factors where insurance companies consider you a higher risk, some auto insurance companies may not be willing to insure you. See this blog post for auto insurance companies insuring higher risk drivers if you find many of the companies on this list will not insure you, or offer you a reasonable price.

Here’s the list. Remember to shop with as many companies as possible, so you can find the best rates, service, & coverage for you.

30 Top South Dakota Auto Insurance Companies Ranked from Best to Worst by Their 2010 National Complaint Records

1. Western National Mutual Insurance Company = A+ (.13)

2. Owners Insurance Company (Auto-Owners) = A+ (.19)

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

4. Meridian Security Insurance Company (State Auto) = A (.42)

5. Columbia Mutual Insurance Company = A (.45)

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

7. Wadena Insurance Company (IMT Group) = A- (.48)

8. Auto-Owners Insurance Company = A- (.48)

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

10. Amco Insurance Company (Allied) = B+ (.52)

11. Progressive Northern Insurance Company = B (.54)

12. American Family Mutual Insurance Company = B (.58)

13. Farm Bureau Property & Casualty Insurance Company = B (.60)

14. National Farmers Union Property & Casualty Company (QBE Farmers Union Insurance)= B (.61)

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

16. Farmers Mutual Insurance Co. of Nebraska (NOT a part of Farmers Insurance Group) = B (.62)

17. Geico Indemnity Company = B (.62)

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

19. North Star Mutual Insurance Company = B (.68)

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

21. Western United Insurance Company (AAA / Auto Club) = C (.94)

22. Farmers Insurance Exchange (Farmers Insurance Group) = C (.95)

23. Allstate Insurance Company = C (.96)

24. American Standard Insurance Company of WI (American Family) = D+ (1.17).

25. National General Assurance Company (Integon National Group) = D (1.22)

26. Safeco Insurance Company of America = D (1.32)

27. Unitrin Auto & Home Insurance Company = D (1.37)

28. De Smet Insurance Company of South Dakota = F (2.26)

29. Viking Insurance Company of Wisconsin = F (2.48)

30. Northern Plains Insurance Company = F (10.79)

Now you know the complaint ratings for the major auto insurance companies in South Dakota. 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.

Do you have any questions or commentary about these South Dakota car insurance ratings or rankings? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.