As frequent readers of my insurance company review blog know, some car insurance companies charge more than double as much as other car insurance companies for the same coverage. No single auto insurance company has competitive rates for all drivers. The only way to find the company with the best auto insurance rates for you, is to shop with all the leading car insurance companies. But the average person is usually not aware of all the major auto insurance companies in their state.
This review will show you the 20 biggest auto insurance companies in Louisiana (covering over 89% of the LA auto insurance market), ranking them from best to worst based on their complaint records, and let you know if they have an above-average, average, or below-average customer complaint record over the last three years (2012, 2011, & 2010). I’ll also show you their JD Power auto claims & customer satisfaction ratings over the last three years (2013, 2012, & 2011), & each company’s growth or loss of auto insurance market share in Louisiana, which can be an indicator of low rates or high rates for a broad base of customers. I’ll also give you the names of a few popular auto insurance companies, outside the top 20, losing or gaining significant market share in Louisiana, to help you find low rates with the growing companies, or inform you if your car insurance company is losing customers.
Reading this review of the major Louisiana auto insurance companies can help you shop and find the companies most likely to save you a lot of cash, or let you know if you may be paying too much for the auto insurance you have now. Bookmark this review, because I will update it or write a new review, as new data becomes available in the future. If you are a Louisiana car insurance consumer, there is no better source on the Web than this blog review, to help you shop for a good auto insurance company, get the coverage you need at a competitive price, and really save hundreds of dollars per year.
The Top Twenty Largest Auto Insurance Companies in Louisiana, Ranked from Best to Worst by their 2012, 2011, & 2010 Complaint Ratings (listed in order of size).
These largest LA car insurance companies are determined by the amount of premium they collect in Louisiana for auto insurance each year. The Louisiana Department of Insurance is my source of LA auto insurance market share & written premium for these companies. I use the national 2012, 2011, 2010 complaint ratios for each auto insurance company in this review, from the National Association of Insurance Commissioners website, to assign my complaint ratings.
The auto insurance complaint ratios compare the company’s U.S. market share of closed complaints to the company’s U.S. market share of premiums for auto insurance. Complaint ratios lower than “1″ have less complaints than average, and complaint ratios over “1″ have more complaints than average.
The complaint ratios are numerical scores, & may not be easy to understand at a glance. I devised a rating system, giving grades to companies based on the complaint ratios, to make it easier to compare companies, find the best car insurance companies, and avoid the insurance companies with a consistently worse-than-average complaint record.
The importance of market share change
In this review, an auto insurance company’s market share change is measured by the change in the amount of auto insurance premium it collects each year. A big reduction in car insurance premium collected from year to year can be an indication an auto insurance company’s rates are too high, and customers are leaving to insure with other auto insurance companies. A big increase in the amount of auto insurance premium collected might mean sales growth due to competitive rates.
You can get price quotes or find local agents by going to each insurance company’s website, which for many of the auto insurance companies discussed here, can be reached through the ads in this review. For those few companies not likely to advertise, I’ll give you their web address.
Attention: Insurance companies often have several subsidiary auto insurance companies. For example, Allstate Insurance Company does not sell new auto insurance policies, but Allstate Fire & Casualty Insurance Company does sell new auto insurance policies. Government Employees Insurance Company is the GEICO subsidiary only available to government employees & other specified types of employees. Some auto insurance companies will quote you a different subsidiary based on your driving record. Make sure you know the correct name of the insurance subsidiary company quoting or insuring you, to check the proper complaint rating.
1. State Farm Insurance
Complaint Record Ranking (Best to Worst): #2
State Farm has two subsidiary companies, insuring a large number of privately owned vehicles in Louisiana, included in this review:
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = B (.41)
2011 Auto Insurance Complaint Ratio = B (.35)
2010 Auto Insurance Complaint Ratio = B (.34)
Market share change: State Farm Mutual Automobile Insurance Company’s share of the Louisiana auto insurance market has remained flat, very slightly increasing to 30.47%, from 30.39%. In Louisiana, like most US states, State Farm has a much larger market share than other companies, and this has been the case for decades. However, don’t think State Farm’s outsized market share is due to having the best rates. For most people, if they are happy with the service, they won’t shop for better rates. This is why many people pay too much for auto insurance.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = C (.81)
2011 Auto Insurance Complaint Ratio = B (.64)
2010 Auto Insurance Complaint Ratio = B (.61)
Market share change: State Farm Fire & Casualty Company’s share of the Louisiana auto insurance market has decreased to 2.21%, from 2.34%.
Customer Satisfaction: For the JD Power 2013 US Auto Insurance Customer Satisfaction Study (Southeast region, including the state of LA), State Farm received the rating of 4 power circles (better than most), and scored 822 points on the 1,000 point scale, which is 18 points (1.8%) higher than the regional study’s average of 804 out of 1,000 points. In 2012, State Farm scored 821 out of 1,000 points (the regional average was 814 points) earning the top rating of five power circles (among the best), and in 2011, State Farm scored 804 out of 1,000 points in the JD Power national study (the study average was 790 points), earning the company a four power circle rating (better than most).
Claims Satisfaction: For the annual JD Power US Auto Claims Satisfaction Study, State Farm scored 868 out of 1,000 points (the study average was 852 points) for 2012, and 878 out of 1,000 points (the study average was 846 points) for 2011, awarding it the rating of 4 power circles (better than most) for 2011 & 2012.
2. Progressive Insurance
Complaint Record Ranking (Best to Worst): #3
Progressive also has two subsidiary companies on the list, which may be because it has a company for selling auto insurance direct from the company and a company sold through independent insurance agents, at different rates.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = B (.22)
2011 Auto Insurance Complaint Ratio = B (.35)
2010 Auto Insurance Complaint Ratio = B (.45)
Market share change: Progressive Security Insurance Company’s share of the Louisiana auto insurance market has increased slightly to 10.72%, from 10.42%.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = B (.59)
2011 Auto Insurance Complaint Ratio = B (.53)
2010 Auto Insurance Complaint Ratio = B (.42)
Market share change: Progressive Paloverde Insurance Company’s share of the Louisiana auto insurance market has increased slightly to 3.12%, from 3.02%.
Customer Satisfaction: For the JD Power 2013 US Auto Insurance Customer Satisfaction Study (Southeast region, including the state of LA), Progressive received the lowest rating of two power circles (the rest), and scored 791 points on the 1,000 point scale, which is 13 points (1.3%) lower than the regional study’s average of 804 out of 1,000 points. In 2012, Progressive scored 796 out of 1,000 points (the regional average was 814 points) also earning the lowest rating of two power circles. In 2011, Progressive scored 785 out of 1,000 points in the JD Power national study (the study average was 790 points), earning the company a three power circle rating (about average).
Claims Satisfaction: For the annual JD Power US Auto Claims Satisfaction Study, Progressive scored 842 out of 1,000 points (the study average was 852 points) for 2012, and 836 out of 1,000 points (the study average was 846 points) for 2011, awarding it the rating of three power circles (about average) for 2011 & 2012.
3. Allstate Insurance
Complaint Record Ranking (Best to Worst): #4
Allstate also has two subsidiary auto insurance companies large enough for this review. I suspect the Allstate Insurance Company subsidiary is what’s referred to as a “closed book off business,” continuing to insure many Louisiana auto insurance customers, but not selling new auto insurance policies. This is probably also true of Allstate Property & Casualty Insurance Company. The newest Allstate subsidiary, Allstate Fire & Casualty Insurance Company, sells new auto insurance policies.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = B (.45)
2011 Auto Insurance Complaint Ratio = B (.44)
2010 Auto Insurance Complaint Ratio = B (.49)
Market share change: Allstate Property & Casualty Insurance Company’s share of the Louisiana auto insurance market has increased to 6.10% in 2012, from 5.69% in 2011. If this Allstate subsidiary is selling new policies, this increase in market share may indicate lower rates.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = C (.80)
2011 Auto Insurance Complaint Ratio = B (.68)
2010 Auto Insurance Complaint Ratio = C (.96)
Market share change: Allstate Insurance Company’s share of the Louisiana auto insurance market has decreased to 5.06% in 2012, from 5.53% in 2011. This market share decrease may indicate uncompetitive rates.
Customer Satisfaction: For the JD Power 2013 US Auto Insurance Customer Satisfaction Study (Southeast region, including the state of LA), Allstate received the lowest rating of two power circles (the rest), and scored 790 points on the 1,000 point scale, which is 14 points (1.4%) lower than the regional study’s average of 804 out of 1,000 points. In 2012, Allstate scored 806 out of 1,000 points (the regional average was 814 points) earning the “about average” rating of three power circles. In 2011, Allstate scored 781 out of 1,000 points in the JD Power national study (the study average was 790 points), earning the company a three power circle rating (about average).
Claims Satisfaction: For the annual JD Power US Auto Claims Satisfaction Study, Allstate scored 863 out of 1,000 points (the study average was 852 points), awarding it four power circles (better than most) for 2012, and 834 out of 1,000 points (the study average was 846 points), earning it the rating of three power circles (about average) for 2011.
4. Louisiana Farm Bureau Insurance
Complaint Record Ranking (Best to Worst): #1
Two LA Farm Bureau subsidiaries were large enough to qualify for this review:
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = B (.06)
2011 Auto Insurance Complaint Ratio = B (.16)
2010 Auto Insurance Complaint Ratio = B (.10)
Market share change: Louisiana Farm Bureau Casualty Insurance Company’s share of the Louisiana auto insurance market has increased slightly to 5.08% in 2012, from 5.02% in 2011.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 Auto Insurance Complaint Ratio = B (.37)
2010 Auto Insurance Complaint Ratio = B (.65)
Market share change: Louisiana Farm Bureau Mutual Insurance Company’s share of the Louisiana auto insurance market has decreased to $21,893,077 in written premium for 2012, from $23,038,136 in written premium for 2011, which is a decrease of almost 5%, and may be a sign of uncompetitive auto insurance rates.
Customer Satisfaction: Louisiana Farm Bureau was not included in the most recent or previous annual JD Power Auto Insurance Customer Satisfaction studies.
Claims Satisfaction: Louisiana Farm Bureau was not included in the most recent or previous annual JD Power Auto Insurance Claims Satisfaction studies.
5. USAgencies Casualty Insurance Company, Inc.
Complaint Record Ranking (Best to Worst): #18
If you desire, you can get an auto insurance quote from the USAgencies Website.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = W (2.55)
2011 Auto Insurance Complaint Ratio = W (3.87)
2010 Auto Insurance Complaint Ratio = W (2.27)
Market share change: USAgencies Casualty Insurance Company’s share of the Louisiana auto insurance market decreased to 2.98% in 2012, from 3.50% in 2011. This market share change is more than a 10% decrease, and may indicate uncompetitive rates.
Customer Satisfaction: USAgencies Casualty Insurance Company is not rated by JD Power for auto insurance customer satisfaction.
Claims Satisfaction: USAgencies Casualty Insurance Company is not rated by JD Power for auto insurance claims satisfaction.
6. GEICO Insurance
Complaint Record Ranking (Best to Worst): #5
GEICO has four subsidiary auto insurance companies big enough to be included in this review:
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = B (.51)
2011 Auto Insurance Complaint Ratio = B (.45)
2010 Auto Insurance Complaint Ratio = B (.50)
Market share change: GEICO General Insurance Company’s share of the Louisiana auto insurance market decreased to 2.80% in 2012, from 3.10% in 2011. This market share change is almost a 10% decrease, and may indicate uncompetitive rates, or rewriting customers in GEICO Casualty (see below).
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = W (1.29)
2011 Auto Insurance Complaint Ratio = W (1.91)
2010 Auto Insurance Complaint Ratio = W (1.64)
Market share change: GEICO Casualty Company’s share of the Louisiana auto insurance market had a HUGE increase to $67,286,798 in written premium for 2012, from $14,747,459 in written premium for 2011. This market share change is an increase of more than 300%! Based on the higher complaint ratios, I believe GEICO Casualty to have been the nonstandard auto insurance subsidiary in LA (for people with tickets, accidents, or issues keeping them from qualifying for standard auto insurance), but this extremely large change in market share has me thinking this subsidiary has been repurposed to insure all types of drivers. If you are shopping for better auto insurance rates, you can’t leave out checking GEICO auto insurance rates. But if you are insured with GEICO, shop with other companies, to make sure any change at GEICO is not leaving you with higher auto insurance rates.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = B (.57)
2011 Auto Insurance Complaint Ratio = B (.41)
2010 Auto Insurance Complaint Ratio = B (.43)
Market share change: Government Employees Insurance Company’s share of the Louisiana auto insurance market decreased to 1.53% in 2012, from 1.73% in 2011. This market share change is more than a 10% decrease, but see my remarks about the market share of GEICO Casualty.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = B (.63)
2011 Auto Insurance Complaint Ratio = B (.58)
2010 Auto Insurance Complaint Ratio = B (.62)
Market share change: GEICO Indemnity Company’s share of the Louisiana auto insurance market decreased to 1.35% in 2012, from 1.72% in 2011. This market share change is more than a 20% decrease, but see my remarks about the market share of GEICO Casualty.
Customer Satisfaction: For the JD Power 2013 US Auto Insurance Customer Satisfaction Study (Southeast region, including the state of LA), GEICO received the lowest rating of two power circles (the rest), and scored 791 points on the 1,000 point scale, which is 13 points (1.3%) lower than the regional study’s average of 804 out of 1,000 points. In 2012, GEICO scored 815 out of 1,000 points (the regional average was 814 points) earning the “about average” rating of three power circles. In 2011, GEICO scored 797 out of 1,000 points in the JD Power national study (the study average was 790 points), earning the company a three power circle rating (about average).
Claims Satisfaction: For the annual JD Power US Auto Claims Satisfaction Study, GEICO scored 842 out of 1,000 points (the study average was 852 points), awarding it three power circles (about average) for 2012, and 840 out of 1,000 points (the study average was 846 points), also earning it the rating of three power circles (about average) for 2011.
7. United Services Auto Association (USAA) Insurance
Complaint Record Ranking (Best to Worst): #9
USAA is open only to the military, their family members, and honorably discharged veterans. USAA has three car insurance subsidiaries big enough to be included in this review:
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = B (.52)
2011 Auto Insurance Complaint Ratio = B (.47)
2010 Auto Insurance Complaint Ratio = B (.73)
Market share change: USAA’s share of the Louisiana auto insurance market slightly increased to 1.98% in 2012, from 1.96% in 2011.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = C (.84)
2011 Auto Insurance Complaint Ratio = B (.71)
2010 Auto Insurance Complaint Ratio = C (1.01)
Market share change: USAA Casualty Insurance Company’s share of the Louisiana auto insurance market increased to 1.40% in 2012, from 1.32% in 2011.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = B (.48)
2011 Auto Insurance Complaint Ratio = B (.42)
2010 Auto Insurance Complaint Ratio = B (.45)
Market share change: USAA General Indemnity Company’s share of the Louisiana auto insurance market has increased to $21,680,310 in written premium for 2012, from $16,508,938 in written premium for 2011, which is an increase of more than 30%, and may be a sign of competitive auto insurance rates.
Customer Satisfaction: For the JD Power 2013 US Auto Insurance Customer Satisfaction Study (Southeast region, including the state of LA), USAA received the highest rating of five power circles (among the best), and scored 901 points on the 1,000 point scale, which is 97 points (9.7%!) higher than the regional study’s average of 804 out of 1,000 points. In 2012, USAA scored 930 out of 1,000 points (the regional average was 814 points) once again winning the “among the best” rating of five power circles. In 2011, USAA scored 898 out of 1,000 points in the JD Power national study (the study average was 790 points), also earning the company a five power circle rating (among the best).
Claims Satisfaction: For the annual JD Power US Auto Claims Satisfaction Study, USAA scored 889 out of 1,000 points (the study average was 852 points), awarding it five power circles (among the best) for 2012, and 889 out of 1,000 points (the study average was 846 points), also earning it the highest rating of five power circles (among the best) for 2011.
8. Liberty Mutual Insurance
Complaint Record Ranking (Best to Worst): #8
Liberty Mutual has two auto insurance subsidiaries big enough to be included in this review:
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = B (.71)
2011 Auto Insurance Complaint Ratio = B (.65)
2010 Auto Insurance Complaint Ratio = B (.58)
Market share change: Liberty Mutual Fire Insurance Company’s share of the Louisiana auto insurance market decreased to 1.71% in 2012, from 1.99% in 2011. This market share change is more than a 10% decrease, and may indicate uncompetitive rates.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = B (.29)
2011 Auto Insurance Complaint Ratio = B (.22)
2010 Auto Insurance Complaint Ratio = B (0) (No complaints)
Market share change: LM General Insurance Company’s share of the Louisiana auto insurance market has increased to $27,131,511 in written premium for 2012, from $11,931,890 in written premium for 2011, which is a very large increase of more than 100% (!), and may be a sign of competitive auto insurance rates. This Liberty Mutual subsidiary, LM General, used to be owned by Prudential. Although the Liberty Mutual Fire Insurance company, sold through Liberty Mutual employee agents, is losing market share, LM General is a separate subsidiary, with different rates, and may be available and sold through your local Prudential agents.
Customer Satisfaction: For the JD Power 2013 US Auto Insurance Customer Satisfaction Study (Southeast region, including the state of LA), Liberty Mutual received the rating of three power circles (about average), and scored 810 points on the 1,000 point scale, which is 6 points (.6%) higher than the regional study’s average of 804 out of 1,000 points. In 2012, Liberty Mutual scored 794 out of 1,000 points (the regional average was 814 points) earning the lowest rating of two power circles. In 2011, Liberty Mutual scored 771 out of 1,000 points in the JD Power national study (the study average was 790 points), earning the company a three power circle rating (about average).
Claims Satisfaction: For the annual JD Power US Auto Claims Satisfaction Study, Liberty Mutual scored 843 out of 1,000 points (the study average was 852 points), awarding it three power circles (about average) for 2012, and 830 out of 1,000 points (the study average was 846 points), also earning it the rating of three power circles (about average) for 2011.
9. Safeway Insurance Company of Louisiana
Complaint Record Ranking (Best to Worst): #17
Find a local independent insurance agent representing this company at the Safeway Insurance Website.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = W (2.94)
2011 Auto Insurance Complaint Ratio = W (2.34)
2010 Auto Insurance Complaint Ratio = C (1.05)
Market share change: Safeway Insurance Company’s share of the Louisiana auto insurance market increased to 1.39% in 2012, from 1.34% in 2011.
Customer Satisfaction: Safeway Insurance Company of LA was not included in the most recent or previous annual JD Power Auto Insurance Customer Satisfaction studies.
Claims Satisfaction: Safeway Insurance Company of LA was not included in the most recent or previous annual JD Power Auto Insurance Claims Satisfaction studies.
10. Shelter Insurance
Complaint Record Ranking (Best to Worst): #6
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = B (.37)
2011 Auto Insurance Complaint Ratio = B (.40)
2010 Auto Insurance Complaint Ratio = B (.60)
Market share change: Shelter Mutual Insurance Company’s share of the Louisiana auto insurance market increased to 1.28% in 2012, from 1.24% in 2011.
Customer Satisfaction: Shelter Mutual Insurance was not included in the most recent SE region JD Power Auto Insurance Customer Satisfaction study.
Claims Satisfaction: Shelter Mutual Insurance was not included in the most recent or previous annual JD Power Auto Insurance Claims Satisfaction studies.
11. General Insurance Company of America (Safeco)
Complaint Record Ranking (Best to Worst): #12
You can find a local independent insurance agent representing this Safeco subsidiary at the Safeco Website.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = C (.81)
2011 Auto Insurance Complaint Ratio = B (.52)
2010 Auto Insurance Complaint Ratio = C (1.02)
Market share change: General Insurance Company of America’s share of the Louisiana auto insurance market decreased to 1.06% in 2012, from 1.29% in 2011. This market share change is more than a 15% decrease, and may indicate uncompetitive rates.
Customer Satisfaction: General Insurance Company of America is the largest Safeco subsidiary selling auto insurance in Louisiana. For the JD Power 2013 US Auto Insurance Customer Satisfaction Study (Southeast region, including the state of LA), Safeco received the rating of three power circles (about average), and scored 795 points on the 1,000 point scale, which is 9 points (.9%) lower than the regional study’s average of 804 out of 1,000 points. In 2012, Safeco scored 763 out of 1,000 points (the regional average was 814 points) earning the lowest rating of two power circles. In 2011, Safeco scored 775 out of 1,000 points in the JD Power national study (15 points, or 1.5%, lower than the study average of 790 points), still earning the company a three power circle rating (about average).
Claims Satisfaction: For the annual JD Power US Auto Claims Satisfaction Study, Safeco scored 840 out of 1,000 points (the study average was 852 points), awarding it three power circles (about average) for 2012, and 838 out of 1,000 points (the study average was 846 points), also earning it the rating of three power circles (about average) for 2011.
12. ANPAC Louisiana Insurance Company
Complaint Record Ranking (Best to Worst): #10
This is the LA subsidiary of American National Property & Casualty Company.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = C (.99)
2011 Auto Insurance Complaint Ratio = B (.27)
2010 Auto Insurance Complaint Ratio = B (0) (No complaints)
Market share change: ANPAC Louisiana Insurance Company’s share of the Louisiana auto insurance market decreased to .89% in 2012, from .97% in 2011. This market share change is almost a 10% decrease, and may indicate uncompetitive rates.
Customer Satisfaction: ANPAC Louisiana Insurance Company was not included in the most recent or previous annual JD Power Auto Insurance Customer Satisfaction studies.
Claims Satisfaction: ANPAC Louisiana Insurance Company was not included in the most recent or previous annual JD Power Auto Insurance Claims Satisfaction studies.
13. Automobile Club Inter-Insurance Exchange (AAA motor club)
Complaint Record Ranking (Best to Worst): #14
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = C (.99)
2011 Auto Insurance Complaint Ratio = W (1.41)
2010 Auto Insurance Complaint Ratio = C (.92)
Market share change: Automobile Club’s share of the Louisiana auto insurance market decreased to .84% in 2012, from .97% in 2011. This market share change is more than a 10% decrease, and may indicate uncompetitive rates.
Customer Satisfaction: Automobile Club Inter-Insurance Exchange was not included in the SE region JD Power Auto Insurance Customer Satisfaction study.
Claims Satisfaction: Automobile Club Inter-Insurance Exchange is a subsidiary of Auto Club of Southern California, which is included in the annual JD Power US Auto Claims Satisfaction Studies. Auto Club of Southern California scored 874 out of 1,000 points (the study average was 852 points), awarding it four power circles (better than most) for 2012, and 824 out of 1,000 points (the study average was 846 points), earning it the rating of three power circles (about average) for 2011.
14. America First Insurance Company
Complaint Record Ranking (Best to Worst): #13
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = C (1.06)
2011 Auto Insurance Complaint Ratio = C (1.07)
2010 Auto Insurance Complaint Ratio = B (.56)
Market share change: America First Insurance Company’s share of the Louisiana auto insurance market has decreased to $23,827,590 in written premium for 2012, from $28,071,839 in written premium for 2011, which is a decrease of about 15%, and may be a sign of uncompetitive auto insurance rates.
Customer Satisfaction: America First Insurance Company was not included in the most recent or previous annual JD Power Auto Insurance Customer Satisfaction studies.
Claims Satisfaction: America First Insurance Company was not included in the most recent or previous annual JD Power Auto Insurance Claims Satisfaction studies.
15. Direct General Insurance Company of Louisiana
Complaint Record Ranking (Best to Worst): #20
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = W (3.66)
2011 Auto Insurance Complaint Ratio = W (1.73)
2010 Auto Insurance Complaint Ratio = W (4.50)
Market share change: Direct General Insurance Company’s share of the Louisiana auto insurance market has slightly decreased to $23,715,453 in written premium for 2012, from $24,605,954 in written premium for 2011, which is a decrease of almost 4%.
Customer Satisfaction: Direct General Insurance Company of LA was included in the SE region JD Power Auto Insurance Customer Satisfaction study for 2012, but not in 2013. Direct General scored 744 out of 1,000 points (70 points, or 7%, below the SE study average score of 814 points), earning the lowest rating of two power circles for 2012.
Claims Satisfaction: Direct General Insurance Company of LA was not included in the most recent or previous annual JD Power Auto Insurance Claims Satisfaction studies.
16. Financial Indemnity Company
Complaint Record Ranking (Best to Worst): #15
Financial Indemnity is a non-standard auto insurance subsidiary company of Kemper-Unitrin.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = W (2.12)
2011 Auto Insurance Complaint Ratio = W (1.64)
2010 Auto Insurance Complaint Ratio = W (2.08)
Market share change: Financial Indemnity Company’s share of the Louisiana auto insurance market has increased to $24,294,305 in written premium for 2012, from $21,286,145 in written premium for 2011, which is close to a 15% increase, and may be a sign of competitive auto insurance rates. Financial Indemnity is a nonstandard auto insurance company, so if you have difficulty qualifying for auto insurance, because of your or a family member’s driving record, you may want to contact a local independent insurance agent representing Financial Indemnity, if you are looking to save money.
Customer Satisfaction: Financial Indemnity Company was not included in the most recent or previous annual JD Power Auto Insurance Customer Satisfaction studies.
Claims Satisfaction: Financial Indemnity Company was not included in the most recent or previous annual JD Power Auto Insurance Claims Satisfaction studies.
17. Imperial Fire & Casualty Insurance Company
Complaint Record Ranking (Best to Worst): #16
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = W (2.58)
2011 Auto Insurance Complaint Ratio = W (1.59)
2010 Auto Insurance Complaint Ratio = W (1.51)
Market share change: Imperial Fire & Casualty Insurance Company’s share of the Louisiana auto insurance market has increased to $20,284,064 in written premium for 2012, from $15,927,377 in written premium for 2011, which is an increase of about 25%, and may be a sign of competitive auto insurance rates.
Customer Satisfaction: Imperial Fire & Casualty Insurance Company was not included in the most recent or previous annual JD Power Auto Insurance Customer Satisfaction studies.
Claims Satisfaction: Imperial Fire & Casualty Insurance Company was not included in the most recent or previous annual JD Power Auto Insurance Claims Satisfaction studies.
18. Allmerica Financial Benefit Insurance Company
Complaint Record Ranking (Best to Worst): #7
Allmerica Financial Benefit Insurance is a subsidiary of The Hanover Insurance Group.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = B (.59)
2011 Auto Insurance Complaint Ratio = B (.67)
2010 Auto Insurance Complaint Ratio = B (.31)
Market share change: Allmerica Financial Benefit Insurance Company’s share of the Louisiana auto insurance market has decreased to $19,752,752 in written premium for 2012, from $21,885,972 in written premium for 2011, which is a decrease of almost 10%, and may be a sign of uncompetitive auto insurance rates.
Customer Satisfaction: Allmerica Financial Benefit Insurance Company was not included in the most recent or previous annual JD Power Auto Insurance Customer Satisfaction studies.
Claims Satisfaction: Allmerica Financial Benefit Insurance Company was not included in the most recent or previous annual JD Power Auto Insurance Claims Satisfaction studies.
19. National Automotive Insurance Company
Complaint Record Ranking (Best to Worst): #19
This company sells auto insurance through independent insurance agents in Louisiana. Find agents representing the company at the National Automotive Insurance Company website.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = W (1.49)
2011 Auto Insurance Complaint Ratio = W (4.45)
2010 Auto Insurance Complaint Ratio = W (3.04)
Market share change: National Automotive Insurance Company’s share of the Louisiana auto insurance market slightly increased to $19,426,657 in written premium for 2012, from $19,131,299 in written premium for 2011, up about 1.5%.
Customer Satisfaction: National Automotive Insurance Company was not included in the most recent or previous annual JD Power Auto Insurance Customer Satisfaction studies.
Claims Satisfaction: National Automotive Insurance Company was not included in the most recent or previous annual JD Power Auto Insurance Claims Satisfaction studies.
20. GoAuto Insurance Company
Complaint Record Ranking (Best to Worst): #11
GoAuto insurance is a new auto insurance company selling auto insurance direct from the company, and entered the Louisiana auto insurance market in 2012. It’s good GoAuto had no auto insurance complaints filed with the state in 2012, but one year’s complaint record is not enough to indicate a good or poor customer experience with the company.
B = Better than Average C = Average W = Worse than Average
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 Auto Insurance Complaint Ratio = No policies
2010 Auto Insurance Complaint Ratio = No policies
Market share change: In 2012, when GoAuto started selling car insurance in LA, it obtained $19,222,553 in written auto insurance premium, making it big enough to be included in the top 20 largest auto insurance companies list, and larger than some established companies, like Amica or Esurance.
Customer Satisfaction: GoAuto Insurance Company was not included in the most recent or previous annual JD Power Auto Insurance Customer Satisfaction studies.
Claims Satisfaction: GoAuto Insurance Company was not included in the most recent or previous annual JD Power Auto Insurance Claims Satisfaction studies.
Other Popular Auto Insurance Companies, with Possibly Low Rates, as Indicated By a Large Increase in 2012 Louisiana Market Share
1. 21st Century Centennial Insurance Company
Market share change: 21st Century Centennial Insurance Company’s share of the Louisiana auto insurance market increased greatly to $16,144,125 in written premium for 2012, from $10,513,088 in written premium for 2011, an increase in market share over 50%.
2. Omni Insurance Company
Market share change: Omni Insurance Company’s share of the Louisiana auto insurance market massively increased to $5,142,073 in written premium for 2012, from $ 85,923 in written premium for 2011, an increase in market share of almost 60 times its 2011 market share. Omni sells nonstandard auto insurance, for drivers with tickets and accidents, or other problems disqualifying them from most company’s standard auto insurance.
3. Esurance Insurance Company
Market share change: Esurance Insurance Company’s share of the Louisiana auto insurance market also increased a lot, to $13,192,827 in written premium for 2012, from $8,780,990 in written premium for 2011, an increase in market share over 50%.
Other Popular Auto Insurance Companies, with Possibly High Rates or Poor Service, as Indicated By a Large Decrease in 2012 Louisiana Market Share
1. Allstate Indemnity Company
Market share change: Allstate Indemnity Company’s share of the Louisiana auto insurance market decreased to $14,654,378 in written premium for 2012, from $20,716,525 in written premium for 2011, a decrease in market share over 25%. Allstate Indemnity is the nonstandard auto insurance company for Allstate in most states. Nonstandard auto insurance is for drivers with tickets and accidents, or people with other problems disqualifying them from most company’s standard auto insurance.
2. Permanent General Assurance Corp. (The General)
Market share change: Permanent General Assurance Corp.’s share of the Louisiana auto insurance market decreased to $4,247,889 in written premium for 2012, from $ 5,818,981 in written premium for 2011, a decrease in market share of more than 25%. The General sells nonstandard auto insurance, for drivers with tickets and accidents, or for people with other problems disqualifying them from most company’s standard auto insurance.
You can find customer complaint data, JD Power ratings, and other information for other auto and home insurance companies not appearing in this review, by going to my Website’s home page.
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