This review will show you the twenty-five biggest auto insurance companies in California, covering over 80% of the CA auto insurance market, ranking them from best to worst based on their California auto insurance complaint records over the last three years (2011, 2012, & 2013). I’ll show you the auto insurance companies with the best & worst complaint records. Reading this review of the major California auto insurance companies can help you find the companies saving you the most money, as well as help you avoid the companies with consistently poor auto insurance complaint records each year.
This review is divided into two sections: The auto insurance complaint rankings for the companies consisting the twenty-five largest car insurance brands in California, and then complaint information on other companies (better-known brands) outside the top 25 largest companies, to see how with they compare with the top 25 companies’ best and worst complaint records.
Section I
25 Top CA Auto Insurance Companies Ranked from Best to Worst for Complaints
These 25 largest California auto insurance companies are determined by the number of exposures (personal vehicles, including motorcycles & motorhomes) they insured in California for 2013, as reported here by the California Department of Insurance website. That web page is also my source for California auto insurance complaints against each company for 2011, 2012, & 2013.
The justified complaint ratio used to rank the 25 largest auto insurance companies in CA is the number of complaints per 100,000 exposures for each company. The California Department of Insurance defines its justified complaint ratio here.
The California auto insurance market is fragmented, like it is in most states, with no company having a majority of the market, and where major national companies like Metlife and The Hartford have only around one percent of the market, so even smaller sized companies are large enough to make my list of the top 25 largest auto insurance companies in California.
I list the companies from #1 to #25 by number of California exposures, so the first company listed at #1 is the largest, not the best auto insurance complaint record. Look for each company’s “complaint record ranking” in bold below each company’s name.
Attention: Insurance companies may have several subsidiary companies selling auto insurance in California. Some auto insurance companies will quote you a different subsidiary based on your driving record, whether you request the quote direct or from an agent, or other reasons. For example, Progressive West Insurance Company is a different Progressive subsidiary than Progressive Select Insurance Company, but they both are large insurers of cars in California. Make sure you know the correct name of the insurance subsidiary company quoting or insuring you, to check the proper complaint ratio. I consider subsidiaries operating under a single brand as one company. For example, Liberty Mutual owns Safeco, Allstate owns Esurance & Encompass, Farmers owns Bristol West & 21st Century, and Nationwide owns Allied, but each of these brands, in spite of common ownership, operate as separate entities, so I consider them separate companies. I only include the top 25 brands from the 50 largest subsidiaries documented on the California Department of Insurance website with their justified complaint ratios, so if the subsidiary you are insured with does not appear in this review, you can contact me to research the company’s California complaint information for you.
I base each company’s complaint ranking usually on its largest subsidiary, unless a substantial portion of a parent company’s total auto insurance customers are with subsidiaries with a much different complaint ratio.
The importance of California auto insurance market share
I show you the auto insurance companies insuring the most vehicles in California, because they may be the most likely to have the most competitive rates. No single company has low rates for every type of driver, so you can’t depend on word of mouth to help you find a good rate for you. People need to shop to find the company saving them the most money for the coverage they need. Although, most people are aware of large companies like Allstate & State Farm selling auto insurance in CA, they might not be aware of companies like Allied or Wawanesa, insuring good drivers, and Infinity Insurance Company, insuring most drivers, which are both included in the top 25 largest insurers of vehicles in California.
The California auto insurance market is fragmented, like most states, with no company having a majority of the market, and where major national companies like Metlife and The Hartford have only around one percent of the market, so even smaller sized companies are large enough to make my list of the top 25 largest auto insurance companies in California, but some better known names may not be included. Because there are many more auto insurance companies, about the size of the smaller companies in this top 25 list, that don’t make the list, Section II of this review includes & compares the auto insurance complaint statistics for some of these companies.
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 at the top and bottom of this review.
1. State Farm Insurance
Complaint Record Ranking (Best to Worst): 7th out of 25
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 2.2
2012 CA Justified Auto Insurance Complaint Ratio = 2.0
2011 CA Justified Auto Insurance Complaint Ratio = 1.4
The 2013 CA personal auto insurance complaint index for State Farm Mutual Automobile Insurance Company is .71, meaning this company had only 71% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
2. Auto Club of Southern California Insurance
The Automobile Association of America (AAA) has several insurance groups it owns, some available regionally. Auto Club of SC companies should not be confused with the companies belonging to other insurance groups owned & available through AAA, such as AAA NCNU (formerly California State Auto Association), Auto Club Group, or the MAPFRE group of companies.
Complaint Record Ranking (Best to Worst): 5th out of 25
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 1.5
2012 CA Justified Auto Insurance Complaint Ratio = 1.6
2011 CA Justified Auto Insurance Complaint Ratio = 1.1
The 2013 CA personal auto insurance complaint index for Interinsurance Exchange of Auto Club is .49, meaning this company had only 49% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
3. Allstate Insurance
Complaint Record Ranking (Best to Worst): 8th out of 25
Allstate has two subsidiary companies among the 50 largest companies insuring personal-use vehicles in California:
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 2.2
2012 CA Justified Auto Insurance Complaint Ratio = 2.4
2011 CA Justified Auto Insurance Complaint Ratio = 1.5
The 2013 CA personal auto insurance complaint index for Allstate Indemnity Company is .72, meaning this company had only 72% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 1.7
2012 CA Justified Auto Insurance Complaint Ratio = 2.3
2011 CA Justified Auto Insurance Complaint Ratio = 1.2
The 2013 CA personal auto insurance complaint index for Allstate Insurance Company is .54, meaning this company had only 54% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
4. Mercury Insurance
Complaint Record Ranking (Best to Worst): 1st out of 25
Mercury has two subsidiary companies among the 50 largest companies insuring personal-use vehicles in California:
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = .9
2012 CA Justified Auto Insurance Complaint Ratio = 1.6
2011 CA Justified Auto Insurance Complaint Ratio = .7
The 2013 CA personal auto insurance complaint index for Mercury Insurance Company is .30, meaning this company had only 30% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = .9
2012 CA Justified Auto Insurance Complaint Ratio = 0 (No complaints)
2011 CA Justified Auto Insurance Complaint Ratio = 0 (No complaints)
The 2013 CA personal auto insurance complaint index for California Automobile Insurance Company is .28, meaning this company had only 28% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
5. Farmers Insurance
Complaint Record Ranking (Best to Worst): 13th out of 25
Farmers Insurance Group has two subsidiary companies among the 50 largest companies insuring personal-use vehicles in California:
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 3.0
2012 CA Justified Auto Insurance Complaint Ratio = 2.6
2011 CA Justified Auto Insurance Complaint Ratio = 2.3
The 2013 CA personal auto insurance complaint index for Farmers Insurance Exchange is .96, meaning this company had 96% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 1.7
2012 CA Justified Auto Insurance Complaint Ratio = 2.1
2011 CA Justified Auto Insurance Complaint Ratio = 2.2
The 2013 CA personal auto insurance complaint index for Mid-Century Insurance Company is .56, meaning this company had only 56% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
6. GEICO Insurance
Complaint Record Ranking (Best to Worst): 6th out of 25
GEICO has four subsidiary companies among the 50 largest companies insuring personal-use vehicles in California:
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 1.5
2012 CA Justified Auto Insurance Complaint Ratio = 1.8
2011 CA Justified Auto Insurance Complaint Ratio = .9
The 2013 CA personal auto insurance complaint index for Geico General Insurance Company is .50, meaning this company had only 50% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 1.4
2012 CA Justified Auto Insurance Complaint Ratio = .3
2011 CA Justified Auto Insurance Complaint Ratio = .6
The 2013 CA personal auto insurance complaint index for GEICO Indemnity Company is .46, meaning this company had only 46% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 1.3
2012 CA Justified Auto Insurance Complaint Ratio = 1.7
2011 CA Justified Auto Insurance Complaint Ratio = 1.1
The 2013 CA personal auto insurance complaint index for Government Employees Insurance Company is .41, meaning this company had only 41% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 1.6
2012 CA Justified Auto Insurance Complaint Ratio = 3.9
2011 CA Justified Auto Insurance Complaint Ratio = 1.5
The 2013 CA personal auto insurance complaint index for GEICO Casualty Company is .51, meaning this company had only 51% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
7. AAA NCNU (Northern California, Nevada, Utah) Insurance
Complaint Record Ranking (Best to Worst): 12th out of 25
The Automobile Association of America (AAA) has several insurance groups it owns, some available regionally. AAA NCNU (formerly California State Automobile Association) companies should not be confused with the companies belonging to other insurance groups owned & available through AAA, such as Auto Club of Southern California, Auto Club Group, or the MAPFRE group of companies.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 3.2
2012 CA Justified Auto Insurance Complaint Ratio = 2.3
2011 CA Justified Auto Insurance Complaint Ratio = 1.1
The 2013 CA personal auto insurance complaint index for CSAA Insurance Exchange is 1.04, meaning this company had 4% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
8. USAA Insurance
Complaint Record Ranking (Best to Worst): 3rd out of 25
The United Services Automobile Association is available only to active duty US military members, honorably discharged veterans, and their immediate family members.
USAA has three subsidiary companies among the 50 largest companies insuring personal-use vehicles in California:
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 1.2
2012 CA Justified Auto Insurance Complaint Ratio = .9
2011 CA Justified Auto Insurance Complaint Ratio = .7
The 2013 CA personal auto insurance complaint index for USAA Casualty Insurance Company is .37, meaning this company had only 37% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = .9
2012 CA Justified Auto Insurance Complaint Ratio = 1.2
2011 CA Justified Auto Insurance Complaint Ratio = 1.6
The 2013 CA personal auto insurance complaint index for United Services Automobile Association (USAA) is .30, meaning this company had only 30% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 5.5
2012 CA Justified Auto Insurance Complaint Ratio = 1.7
2011 CA Justified Auto Insurance Complaint Ratio = 0 (No complaints)
The 2013 CA personal auto insurance complaint index for USAA General Indemnity Company is 1.77, meaning this company had 77% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
9. Progressive Insurance
Complaint Record Ranking (Best to Worst): 9th out of 25
Progressive has four subsidiary companies among the 50 largest companies insuring personal-use vehicles in California:
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 2.3
2012 CA Justified Auto Insurance Complaint Ratio = 2.5
2011 CA Justified Auto Insurance Complaint Ratio = 1.6
The 2013 CA personal auto insurance complaint index for Progressive West Insurance Company is .74, meaning this company had only 74% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 1.9
2012 CA Justified Auto Insurance Complaint Ratio = 0 (No complaints)
2011 CA Justified Auto Insurance Complaint Ratio = New
The 2013 CA personal auto insurance complaint index for United Financial Casualty Company is .61, meaning this company had only 61% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 5.2
2012 CA Justified Auto Insurance Complaint Ratio = 0 (No complaints)
2011 CA Justified Auto Insurance Complaint Ratio = New
The 2013 CA personal auto insurance complaint index for Progressive Select Insurance Company is 1.67, meaning this company had 67% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = .9
2012 CA Justified Auto Insurance Complaint Ratio = 1.0
2011 CA Justified Auto Insurance Complaint Ratio = 1.1
The 2013 CA personal auto insurance complaint index for Progressive Direct Insurance Company is .28, meaning this company had only 28% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
10. Infinity Insurance
Complaint Record Ranking (Best to Worst): 18th out of 25
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 4.5
2012 CA Justified Auto Insurance Complaint Ratio = 4.0
2011 CA Justified Auto Insurance Complaint Ratio = 3.5
The 2013 CA personal auto insurance complaint index for Infinity Insurance Company is 1.45, meaning this company had 45% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
11. 21st Century Insurance
Complaint Record Ranking (Best to Worst): 22nd out of 25
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 4.0
2012 CA Justified Auto Insurance Complaint Ratio = 6.5
2011 CA Justified Auto Insurance Complaint Ratio = 5.9
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12. Alliance United Insurance
Complaint Record Ranking (Best to Worst): 20th out of 25
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 5.3
2012 CA Justified Auto Insurance Complaint Ratio = 3.6
2011 CA Justified Auto Insurance Complaint Ratio = 2.6
The 2013 CA personal auto insurance complaint index for Alliance United Insurance Company is 1.71, meaning this company had 71% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
13. Wawanesa Insurance
Complaint Record Ranking (Best to Worst): 4th out of 25
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 1.7
2012 CA Justified Auto Insurance Complaint Ratio = .9
2011 CA Justified Auto Insurance Complaint Ratio = .5
The 2013 CA personal auto insurance complaint index for Wawanesa General Insurance Company is .55, meaning this company had only 55% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
14. Allied Insurance
Complaint Record Ranking (Best to Worst): 2nd out of 25
Allied has two subsidiary companies among the 50 largest companies insuring personal-use vehicles in California:
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 1.0
2012 CA Justified Auto Insurance Complaint Ratio = 1.5
2011 CA Justified Auto Insurance Complaint Ratio = 2.5
The 2013 CA personal auto insurance complaint index for AMCO Insurance Company is .32, meaning this company had only 32% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = .7
2012 CA Justified Auto Insurance Complaint Ratio = .7
2011 CA Justified Auto Insurance Complaint Ratio = .7
The 2013 CA personal auto insurance complaint index for Allied Property & Casualty Insurance Company is .22, meaning this company had only 22% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
15. Liberty Mutual Insurance
Complaint Record Ranking (Best to Worst): 23rd out of 25
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 4.6
2012 CA Justified Auto Insurance Complaint Ratio = 6.1
2011 CA Justified Auto Insurance Complaint Ratio = 3.9
The 2013 CA personal auto insurance complaint index for Liberty Mutual Fire Insurance Company is 1.49, meaning this company had 49% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
16. Access Insurance
Complaint Record Ranking (Best to Worst): 25th out of 25
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 11.7
2012 CA Justified Auto Insurance Complaint Ratio = 6.0
2011 CA Justified Auto Insurance Complaint Ratio = 4.4
The 2013 CA personal auto insurance complaint index for Access Insurance Company is 3.76, meaning this company had 276% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
17. Safeco Insurance
Complaint Record Ranking (Best to Worst): 14th out of 25
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 2.9
2012 CA Justified Auto Insurance Complaint Ratio = 3.6
2011 CA Justified Auto Insurance Complaint Ratio = 1.9
The 2013 CA personal auto insurance complaint index for Safeco Insurance Company of America is .94, meaning this company had 94% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
18. Bristol West Insurance
Complaint Record Ranking (Best to Worst): 16th out of 25
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 3.2
2012 CA Justified Auto Insurance Complaint Ratio = 5.1
2011 CA Justified Auto Insurance Complaint Ratio = 7.4
The 2013 CA personal auto insurance complaint index for Coast National Insurance Company is 1.05, meaning this company had 5% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
19. IDS / Ameriprise Insurance
Complaint Record Ranking (Best to Worst): 17th out of 25
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 4.6
2012 CA Justified Auto Insurance Complaint Ratio = 3.9
2011 CA Justified Auto Insurance Complaint Ratio = 2.9
The 2013 CA personal auto insurance complaint index for IDS Property Casualty Insurance Company is 1.47, meaning this company had 47% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
20. Viking Insurance
Complaint Record Ranking (Best to Worst): 15th out of 25
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 3.4
2012 CA Justified Auto Insurance Complaint Ratio = 3.7
2011 CA Justified Auto Insurance Complaint Ratio = 4.2
The 2013 CA personal auto insurance complaint index for Viking Insurance Company of WI is 1.11, meaning this company had 11% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
21. Esurance Insurance
Complaint Record Ranking (Best to Worst): 11th out of 25
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 2.6
2012 CA Justified Auto Insurance Complaint Ratio = 2.7
2011 CA Justified Auto Insurance Complaint Ratio = 1.7
The 2013 CA personal auto insurance complaint index for Esurance Property & Casualty Insurance Company is .85, meaning this company had 85% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
22. Loya Insurance
Complaint Record Ranking (Best to Worst): 21st out of 25
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 5.4
2012 CA Justified Auto Insurance Complaint Ratio = 4.5
2011 CA Justified Auto Insurance Complaint Ratio = 2.4
The 2013 CA personal auto insurance complaint index for Loya Casualty Insurance Company is 1.72, meaning this company had 72% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
23. Hartford Insurance
Complaint Record Ranking (Best to Worst): 19th out of 25
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 3.7
2012 CA Justified Auto Insurance Complaint Ratio = 6.0
2011 CA Justified Auto Insurance Complaint Ratio = 1.0
The 2013 CA personal auto insurance complaint index for Hartford Underwriters Insurance Company is 1.18, meaning this company had 18% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
24. Travelers Insurance
Complaint Record Ranking (Best to Worst): 10th out of 25
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 2.3
2012 CA Justified Auto Insurance Complaint Ratio = 3.0
2011 CA Justified Auto Insurance Complaint Ratio = 2.0
The 2013 CA personal auto insurance complaint index for Standard Fire Insurance Company is .73, meaning this company had only 73% of the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
25. Metlife Insurance
Complaint Record Ranking (Best to Worst): 24th out of 25
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 5.1
2012 CA Justified Auto Insurance Complaint Ratio = 7.3
2011 CA Justified Auto Insurance Complaint Ratio = 5.4
The 2013 CA personal auto insurance complaint index for Metropolitan Direct Property & Casualty Insurance Company is 1.63, meaning this company had 63% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
Section II
Here are some other companies, having larger shares of the California auto insurance market, with the best and worst auto insurance complaint records.
Other companies insuring autos in California with good auto insurance complaint records for 2011, 2012, & 2013
The 2013 CA personal auto insurance complaint index for Amica Mutual Insurance Company is 1.01, meaning this company had only 1% more than the number of auto insurance complaints expected for its size, compared to the industry average. Although the 2013 auto insurance complaint index for Amica is about average, the company’s smaller size means only a few complaints can result in higher complaint index numbers. Amica had two auto insurance complaints in 2013, three auto or home insurance complaints for 2012, and two auto or home insurance complaints for 2011. Amica also has a long history of scoring better than most other companies in the annual JD Power auto & home insurance customer satisfaction studies.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 1.1
2012 CA Justified Auto Insurance Complaint Ratio = 1.1
2011 CA Justified Auto Insurance Complaint Ratio = 1.2
The 2013 CA personal auto insurance complaint index for Foremost Insurance Company Grand Rapids, Michigan is .35, meaning this company had only 35% of the number of auto insurance complaints expected for its size, compared to the industry average. If Foremost was large enough to be included in the top 25 insurance brands, it would have ranked as having the second best three year auto insurance complaint record.
Other companies insuring autos in California with poor auto insurance complaint records for 2011, 2012, & 2013
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 3.3
2012 CA Justified Auto Insurance Complaint Ratio = 9.8
2011 CA Justified Auto Insurance Complaint Ratio = 4.8
The 2013 CA personal auto insurance complaint index for Nationwide Insurance Company of America is 1.06, meaning this company had 6% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 4.3
2012 CA Justified Auto Insurance Complaint Ratio = 4.0
2011 CA Justified Auto Insurance Complaint Ratio = 4.4
The 2013 CA personal auto insurance complaint index for Financial Indemnity Company is 1.40, meaning this company had 40% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 16.5
2012 CA Justified Auto Insurance Complaint Ratio = 4.4
2011 CA Justified Auto Insurance Complaint Ratio = 0 (No complaints)
The 2013 CA personal auto insurance complaint index for Integon National Insurance Company is 5.29, meaning this company had 429% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 12.2
2012 CA Justified Auto Insurance Complaint Ratio = 13.8
2011 CA Justified Auto Insurance Complaint Ratio = 9.0
The 2013 CA personal auto insurance complaint index for Commerce West Insurance Company is 3.94, meaning this company had 294% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 6.5
2012 CA Justified Auto Insurance Complaint Ratio = 2.5
2011 CA Justified Auto Insurance Complaint Ratio = 4.5
The 2013 CA personal auto insurance complaint index for Affirmative Insurance Company is 2.09, meaning this company had 109% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 11.2
2012 CA Justified Auto Insurance Complaint Ratio = 9.1
2011 CA Justified Auto Insurance Complaint Ratio = 4.4
The 2013 CA personal auto insurance complaint index for Anchor General Insurance Company is 3.59, meaning this company had 259% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
The companies with the lowest auto insurance complaint ratios have the best complaint records.
2013 CA Justified Auto Insurance Complaint Ratio = 4.9
2012 CA Justified Auto Insurance Complaint Ratio = 6.4
2011 CA Justified Auto Insurance Complaint Ratio = 6.7
The 2013 CA personal auto insurance complaint index for National General Insurance Company is 1.58, meaning this company had 58% more than the number of auto insurance complaints expected for its size, compared to the industry average. The companies with the lowest complaint index numbers have the best complaint records. Any company with a complaint index greater than 1.00 has a worse complaint record than the industry average.
CA Auto Insurance Companies’ Complaint Record Review Summary
Mercury, Allied, USAA, and Wawanesa have the best California auto insurance complaint records from 2011 to 2013. Foremost also has a very good CA auto insurance complaint record, but if Foremost focuses on the same market in California as it does in other states, it may be a good choice only for higher risk drivers not meeting California State’s definition of a “good driver.” In addition to the auto insurance companies listed in Section II with poor complaint records, Access, Metlife, Liberty Mutual, 21st Century, and Loya Insurance have some of the worst California auto insurance complaint records from 2011 to 2013.
A company’s complaint record is important, but so is the company’s coverage options and price. Some companies charge a lot more than other companies for the same coverage. a big mistake people make when shopping for auto insurance is they don’t check the rates of enough companies. If you haven’t shopped your auto or home insurance in the last few years with at least five other companies, there is a good chance you are paying too much. Has your agent or company ever thoroughly reviewed your coverage, policy limitations, & exclusions? Shopping is a great way of getting additional opinions about your coverage from other insurance professionals.
What do you think of this review of the best & worst complaint records for major auto insurance companies in California? Comment on my facebook page. If you have questions and would like my help, you can reach me at help@smartshopyourcarinsurance.com. Follow me on Twitter for important insurance consumer news & new blog entries at CarInsWatch.