Does your automobile insurance company have many customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Will you find out your car insurance company is good or bad when you need them to help you? Many consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the 66 biggest Tennessee auto insurance companies, and rates & ranks them, from best to worst, based on their 2010 national auto insurance complaint record (Accurate 2011 complaint records are not available yet).
I am always blogging to help you choose the best policies and rates for auto, home, & term life insurance. Please bookmark or place my website in your favorites to use when you need it!
With my state reviews, I like to use your state’s complaint information, to show you if a company has a better or worse auto insurance complaint record in your state, compared to the state auto insurance complaint records of competing car insurance companies.
Unfortunately, not all state insurance departments provide complaint information. The Tennessee Department of Insurance does not provide state insurance complaint ratios. Complaint ratios can be used to compare insurance companies, to see if an insurance company has a higher than average, or lower than average number of car insurance complaints, adjusted based on the insurance company’s market share, or as compared with other companies.
Your state’s department of insurance website can be a great place to find out consumer information about insurance and insurance companies.
Here is the link to the Tennessee Department of Insurance Website, which I used as a resource to find the sixty six largest insurance companies (All companies with a .20% — one fifth of a percent — or more share of the Tennessee auto insurance market) insuring cars in the state.
Below is the list of the major car insurance companies in Tennessee, ranked by their national auto insurance complaint ratios as I use on my website. A complaint ratio of 1.00 is average. A ratio larger 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 .35 has only thirty-five percent of the number of complaints (after adjusting for the company’s size) of the average company. A complaint ratio of 1.10 has 10% more of the number of claims for the average company. A complaint ratio of 10.00 has a complaint record ten 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 in this blog article, to make it easy to tell a car insurance company with a great or good complaint record, from a car insurance company with a poor or average complaint record.
See the main page of my website for more national complaint ratios, & JD Power customer satisfaction ratings, for car insurance companies (or to find complaint information regarding home-owners insurance) not on this list.
Here is my grading system. I also list each company’s national auto insurance 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. For example, GEICO has 3 companies on this list — GEICO General Insurance Company, Government Employees Insurance Company, and GEICO Indemnity Company. 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 problems with your auto insurance company, choose the highest ranked insurance company — even if it costs more. The good news is the best insurance companies often have very good rates. You can choose 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.
66 Top Tennessee Auto Insurance Companies Ranked from Best to Worst by Their 2010 National Auto Insurance Complaint Records
1. National Mutual Insurance Company = A+ (No auto insurance complaints in 2010)
2. Tennessee Farmers Mutual Insurance Company (NOT part of Farmers Insurance Group) = A+ (.08)
3. Progressive Hawaii Insurance Corporation = A+ (.11)
4. Cincinnati Insurance Company = A+ (.16)
5. Mountain Laurel Assurance Company (Progressive) = A+ (.17)
6. State Farm Mutual Automobile Insurance Company = A (.34)
7. Trustgard Insurance Company (Grange) = A (.34)
8. Depositors Insurance Company (Allied) = A (.35)
9. Grange Mutual Insurance Company = A (.36)
10. Economy Premier Assurance Company (Metlife / Metropolitan) = A (.36)
11. Travelers Personal Security Insurance Company = A (.37)
12. Haulers Insurance Company (Shelter) = A (.39)
13. Central Mutual Insurance Company = A (.39)
14. First Liberty Insurance Corporation (Liberty Mutual) = A (.41)
15. Meridian Security Insurance Company (State Auto) = A (.42)
16. Government Employees Insurance Company (GEICO) = A (.43)
17. Amica Mutual Insurance Company = A (.43)
18. Safeco Insurance Company of Illinois = A (.44)
19. USAA General Indemnity Company = A (.44) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
20. Consumers Insurance USA Inc. = A (.45)
21. Cotton States Mutual Insurance Company (Country Companies) = A (.46)
22. Auto Owners Insurance Company = A- (.48)
23. Metropolitan Casualty Insurance Company (Metlife) = A- (.48)
24. Mid-Century Insurance Company (Farmers Insurance Group) = A- (.48)
25. Allstate Property & Casualty Insurance Company = A- (.50)
26. Acuity A Mutual Insurance Company = A- (.50)
27. GEICO General Insurance Company = B+ (.51)
28. Nationwide Mutual Insurance Company = B (.54)
29. Liberty Mutual Fire Insurance Company = B (.56)
30. Allstate Indemnity Company = B (.57)
31. Garrison Property & Casualty Insurance Company (USAA) = B (.60) (USAA sells only to the military, their immediate family members, and honorably discharged veterans)
32. State Farm Fire & Casualty Company = B (.61)
33. Allmerica Financial Alliance Insurance Company = B (.61)
32. GEICO Indemnity Company = B (.62)
33. Shelter General Insurance Company = B (.65)
34. United Services Automobile Association = B (.71) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
35. Standard Fire Insurance Company (Travelers) = B (.72)
36. State Auto National Insurance Company (AKA Hallmark National Insurance Company — NOT part of State Auto Companies) = B (.73)
37. Nationwide General Insurance Company = B (.75)
38. Nationwide Property & Casualty Insurance Company = B (.77)
39. Erie Insurance Exchange = B (.78)
40. First Acceptance Insurance Company of TN = B (.78)
41. 21st Century Centennial Insurance Company = B (.83)
42. Pennsylvania National Mutual Casualty Insurance Company = B (.86)
43. Indiana Insurance Company = C (.93)
44. Farmers Insurance Exchange = C (.95)
45. Allstate Insurance Company = C (.96)
46. USAA Casualty Insurance Company = C (.96) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
47. American National Property & Casualty Company = C (1.00)
48. Metropolitan Group Property & Casualty Insurance Company (Metlife) = C (1.03)
49. Permanent General Assurance Corp. of Ohio (The General) = C- (1.08)
50. Coast National Insurance Company (Bristol West) = D (1.24)
51. Hartford Underwriters Insurance Company = D (1.26)
52. Travelers Commercial Insurance Company = D (1.28)
53. Esurance Insurance Company = D (1.30)
54. Property & Casualty Insurance Company of Hartford (The Hartford) = D (1.35)
55. Infinity Auto Insurance Company = D (1.45)
56. Hartford Insurance Company of the Midwest = D (1.54)
57. Victoria Select Insurance Company = D (1.59)
58. Alfa Alliance Insurance Corporation = D (1.68)
59. Safe Auto Insurance Company = D (1.82)
60. Preferred Auto Insurance Company = D- (1.99)
61. State Auto Property & Casualty Insurance Company = F (2.11)
62. Viking Insurance Company of Wisconsin = F (2.48)
63. Permanent General Assurance Corpation (The General) = F (2.84)
64. Direct Insurance Company = F (3.23)
65. Alfa Vision Insurance Corporation = F (3.75)
66. Omni Insurance Company = F (5.91)
Now you know the complaint ratings for the major car insurance companies in Tennessee. 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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