This review analyzes & ranks the 26 largest auto insurance companies in Florida, from best to worst by their auto insurance complaint history, as determined by complaints filed against them by FL auto insurance customers & claimants with the Florida Office of Insurance Regulation, during the years of 2009, 2010, 2011, 2012, 2013, & 2014. Common reasons for filing complaints with the Florida state insurance department are because of denials, delays, or inadequate payments of claims. I’ll also look at each company’s change in Florida auto insurance market share, as an indication of which companies have higher or lower auto insurance rates.
If you don’t care about the details, skip down to my review summary at the bottom of this review, to see which of the largest Florida auto insurance companies have the best & worst auto insurance complaint records, and which companies are growing in Florida through lower auto insurance rates. You can scroll through my list of the 26 largest auto insurance companies in Florida to find your auto insurance company, and see how its ranked for complaints & auto insurance rates. If the information in this review helps you, please like this review on Facebook and share the link to it on the Web and through social media.
Looking at your auto insurance company’s complaint record, compared to competing companies over the most recent several years, can help you decide if your car insurance company is more likely to provide fair claims handling and customer service when you need it, or if other insurance companies may be a better choice for you. Reviewing a company’s complaint statistics is a good way to determine if an insurance company is likely to provide acceptable or poor service when you need it.
Read this review, see which companies have the best & worst auto insurance complaint records in Florida, and shop to find the company with the best choice of coverage, service, & price for you. If you have ever shopped your auto insurance thoroughly with many companies, it’s likely you found out some companies charge twice as much or more for the same coverage as other companies. But the companies with low rates change over time, and can be different for each person, based on their unique risk profile.
If you don’t have time to read the entire review, you can skip down to the review summary at the end, to find out the best & worst auto insurance companies.
Florida Auto Insurance Complaints Review
When this review was first written, the largest auto insurance companies in Florida were in part determined from 2009 data at this page of the Florida Office of Insurance Regulation website. Revising for 2015, The insurance companies in this review are the largest insurers of private passenger vehicles in the state of Florida, based on their 2014 annual direct written auto insurance premiums.
The largest auto insurance companies are included in this review, but some of the largest companies are different subsidiaries of the same insurance group. Many insurance organizations, such as GEICO, Allstate, USAA, Progressive, & State Farm, have more than one major subsidiary selling auto insurance in Florida.
Although different auto insurance subsidiaries of the same parent company, such as Progressive American Insurance Company and Progressive Select Insurance Company, have different rates, market shares, discounts, customer complaint records, and sometimes coverage and discounts from each other, it is usually the same claims operation handling claims for all subsidiaries. Because most auto insurance complaints filed against a company with the state are claims-related, I’m combining the complaint records for some of the larger subsidiary companies of a particular auto insurance brand.
Sometimes a parent company will own more than one auto insurance brand of companies, like Liberty Mutual owns Safeco, and Allstate owns Esurance. Since these brands are separate operations with their own claims departments and procedures, they are considered in this review as separate companies.
The Florida Office of Insurance Regulation provides information on the number of auto insurance complaints it receives for each auto insurance company or subsidiary in Florida each year. However, knowing the number of auto insurance complaints each year for a certain company does not help you properly compare its auto insurance complaint record against another company.
Say, for example, you know Company A, which has a 20% share of the Florida auto insurance market, has 100 auto insurance complaints for 2014. You are trying to decide between Company A, and Company B, which has a Florida auto insurance market share of 5%, but only 50 auto insurance complaints for 2014. Although Company B has half the number of auto insurance complaints of Company A, you need to consider Company B has only 1/4 of the number of customers insured with Company A. For Company B to have the better auto insurance complaint record for 2014, it would need to have less than 25% of the number of auto insurance complaints made against Company A.
You can’t properly compare auto insurance companies of much different sizes by just looking at the number of complaints. To illustrate why this is the case in another way, a company with 500,000 auto insurance policyholders and 100 auto insurance complaints has 1 complaint per 5,000 auto insurance policies, but a company with 20,000 auto insurance policyholders and 20 auto insurance complaints, has a much worse record of 1 complaint per 1,000 auto insurance policies.
I calculate the number of auto insurance complaints for each company (or more often, the total complaints for all its subsidiaries among the largest companies) per 1 million dollars of annual direct written auto insurance premiums. A company’s total direct written auto insurance premium is the sum of the premium dollars collected for all auto insurance policies for a company in a given year, which is often used as a measure to calculate an insurance company’s market share in a line of business, like auto or home insurance.
The companies with the best auto insurance complaint records will have the lowest number of complaints per one million dollars of annual direct written auto insurance premium, and the companies with the worst auto insurance complaint records will have the highest number of complaints per million. To make it easier for you to find the best auto insurance companies in Florida and avoid the worst auto insurance companies, I rank them for you.
The Florida Office of Insurance Regulation website is the source of my information about the number of auto insurance complaints and direct written auto insurance premium for each company or subsidiary in this review.
Florida Auto Insurance Companies and their FL Customer Complaint Ranking
The companies below are listed from #1 to #26 in order of Florida auto insurance market share size as of 2014, so the first company in this review is the company with the largest auto insurance market share in Florida, not the company with the best auto insurance complaint record. Likewise, the last company is the company in this review with the smallest auto insurance market share in Florida, not the company with the worst auto insurance complaint record. Look for each company’s “auto insurance complaint record ranking” in bold below each company’s name.
I rank the companies based on the number determined by combining the FL auto insurance complaint ratios over the most recent three years (2012, 2013, & 2014), but weigh the most recent years more heavily, if the 2013 or 2014 FL auto insurance complaint ratios are much better or worse than 2012. The companies with the lowest auto insurance complaint ratios have the best complaint records, and are ranked from the best (#1) to the worst (#26).
Although the companies are ranked from best to worst, sometimes there is little difference in their most recent three year FL auto insurance complaint record. You can see the data and decide for yourself, but to make it easier for you, I also group the companies into tier groups, where the companies within a tier have similar complaint records. Tiers 1 through 11 are from best to worst. Tiers 6-11 all have very poor complaint records.
FL auto insurance complaint ratio = A company’s number of auto insurance complaints for the year per 1 million dollars of annual direct written auto insurance premium collected by the company.
1. GEICO Insurance
FL Auto Insurance Complaint Record (Best to Worst): 6th out of 26 (Tier 2)
2014 Florida Auto Insurance Complaint Ratio = .13
2014 Auto Insurance Premiums = $2,905,334,033.00
2013 Florida Auto Insurance Complaint Ratio = .16
2013 Auto Insurance Premiums = $2,707,686,279.00
2012 Florida Auto Insurance Complaint Ratio = .21
2011 Florida Auto Insurance Complaint Ratio = .22
2010 Florida Auto Insurance Complaint Ratio = .22
2009 Florida Auto Insurance Complaint Ratio = .17
GEICO is now the largest auto insurer in the Florida auto insurance market, and the three GEICO subsidiaries, among the largest auto insurance companies in Florida, used for gathering complaint data for the FL auto insurance complaint ratios used above, are GEICO General Insurance Company, GEICO Indemnity Company, and Government Employees Insurance Company.
The Florida auto insurance market share for the GEICO insurance companies increased quite a bit from 2013 to 2014, which indicates GEICO has competitive auto insurance rates in Florida.
2. State Farm Insurance
FL Auto Insurance Complaint Record (Best to Worst): 8th out of 26 (Tier 2)
2014 Florida Auto Insurance Complaint Ratio = .15
2014 Auto Insurance Premiums = $2,467,414,786.00
2013 Florida Auto Insurance Complaint Ratio = .18
2013 Auto Insurance Premiums = $2,410,915,352.00
2012 Florida Auto Insurance Complaint Ratio = .15
2011 Florida Auto Insurance Complaint Ratio = .22
2010 Florida Auto Insurance Complaint Ratio = .18
2009 Florida Auto Insurance Complaint Ratio = .15
State Farm has the second largest share of the Florida auto insurance market. The only two State Farm subsidiaries operating in Florida, State Farm Mutual Automobile Insurance Company and State Farm Fire and Casualty Company, are both among the largest auto insurance companies in Florida, and their combined complaint data & annual premiums are used to determine the FL auto insurance complaint ratios above.
The Florida auto insurance market share for the State Farm insurance companies decreased slightly from 2013 to 2014, which might mean State Farm no longer has competitive auto insurance rates, may be canceling policies, and/or may no longer sell new auto insurance policies in Florida.
3. Progressive Insurance
FL Auto Insurance Complaint Record (Best to Worst): 5th out of 26 (Tier 2)
2014 Florida Auto Insurance Complaint Ratio = .12
2014 Auto Insurance Premiums = $2,028,276,990.00
2013 Florida Auto Insurance Complaint Ratio = .16
2013 Auto Insurance Premiums = $1,827,471,595.00
2012 Florida Auto Insurance Complaint Ratio = .18
2011 Florida Auto Insurance Complaint Ratio = .22
2010 Florida Auto Insurance Complaint Ratio = .18
2009 Florida Auto Insurance Complaint Ratio = .15
Progressive has the third largest share of the Florida auto insurance market, and the three Progressive subsidiaries, among the largest auto insurance companies in Florida, used for gathering complaint data for the FL auto insurance complaint ratios used above, are Progressive American Insurance Company, Progressive Select Insurance Company, and Progressive Express Insurance Company.
The Florida auto insurance market share for the Progressive insurance companies increased by more than 10% from 2013 to 2014, which might mean Progressive has lower auto insurance rates than other companies in Florida.
4. Allstate Insurance
FL Auto Insurance Complaint Record (Best to Worst): 10th out of 26 (Tier 3)
2014 Florida Auto Insurance Complaint Ratio = .14
2014 Auto Insurance Premiums = $1,494,629,749.00
2013 Florida Auto Insurance Complaint Ratio = .20
2013 Auto Insurance Premiums = $1,445,568,682.00
2012 Florida Auto Insurance Complaint Ratio = .22
2011 Florida Auto Insurance Complaint Ratio = .31
2010 Florida Auto Insurance Complaint Ratio = .24
2009 Florida Auto Insurance Complaint Ratio = .21
Allstate has the fourth largest share of the Florida auto insurance market, but insures far less autos in FL than either GEICO or State Farm. The four Allstate subsidiaries, among the largest auto insurance companies in Florida, used for gathering complaint data for the FL auto insurance complaint ratios used above, are Allstate Property & Casualty Insurance Company, Allstate Insurance Company, Allstate Fire and Casualty Insurance Company, and Allstate Indemnity Company.
The Florida auto insurance market share for the Allstate insurance companies decreased from 2013 to 2014, which might mean some Allstate subsidiaries no longer have competitive auto insurance rates, may be canceling policies, and/or may no longer sell new auto insurance policies in Florida.
5. USAA Insurance
FL Auto Insurance Complaint Record (Best to Worst): 1st out of 26 (Tier 1)
2014 Florida Auto Insurance Complaint Ratio = .10
2014 Auto Insurance Premiums = $959,059,655.00
2013 Auto Insurance Premiums = $894,943,082.00
2013 Florida Auto Insurance Complaint Ratio = .12
2012 Florida Auto Insurance Complaint Ratio = .11
2011 Florida Auto Insurance Complaint Ratio = .14
2010 Florida Auto Insurance Complaint Ratio = .15
2009 Florida Auto Insurance Complaint Ratio = .22
USAA is available only to U.S military members, honorably discharged veterans, their immediate family members, and former USAA policyholders.
The two USAA subsidiaries, among the largest auto insurance companies in Florida, used for gathering complaint data for the FL auto insurance complaint ratios used for 2013 & earlier, are United Services Automobile Association and USAA Casualty Insurance Company.
For 2014 (and 2013 auto insurance premiums), the other two USAA subsidiaries selling auto insurance in Florida, USAA General Indemnity Company and Garrison Property & Casualty Insurance Company, were included with United Services Automobile Association and USAA Casualty Insurance Company, to determine the 2014 Florida auto insurance complaint ratio. Although these two subsidiaries are smaller, they are still large insurers of autos in Florida, and larger compared to some of the other companies in this review.
The Florida auto insurance market share for the USAA insurance companies increased from 2013 to 2014, which might mean USAA has lower auto insurance rates than other companies in Florida.
6. Infinity Auto Insurance
FL Auto Insurance Complaint Record (Best to Worst): 22nd out of 26 (Tier 7)
2014 Florida Auto Insurance Complaint Ratio = .56
2014 Auto Insurance Premiums = $448,264,106.00
2013 Florida Auto Insurance Complaint Ratio = .67
2013 Auto Insurance Premiums = $433,577,514.00
2012 Florida Auto Insurance Complaint Ratio = .61
2011 Florida Auto Insurance Complaint Ratio = .54
2010 Florida Auto Insurance Complaint Ratio = .49
2009 Florida Auto Insurance Complaint Ratio = .46
Infinity Auto Insurance is a group of nonstandard auto insurance companies designed to insure higher risk drivers & drivers wanting only the minimum auto insurance liability coverage as required by the state.
Infinity Auto Insurance Company is the Infinity subsidiary insuring the largest number of private passenger vehicles in Florida, and its 2009 – 2012 auto insurance complaint record is shown above. Starting in 2013, the annual premiums & complaint ratio are based on the combined data of Infinity Auto Insurance Company, Infinity Indemnity Insurance Company, Infinity Insurance Company, and Infinity Assurance Insurance Company.
The Florida auto insurance market share for the Infinity insurance companies increased slightly from 2013 to 2014, which might mean Infinity has competitive nonstandard auto insurance rates in Florida.
7. Travelers Insurance
FL Auto Insurance Complaint Record (Best to Worst): 11th out of 26 (Tier 3)
2014 Florida Auto Insurance Complaint Ratio = .10
2014 Auto Insurance Premiums = $294,935,069.00
2013 Florida Auto Insurance Complaint Ratio = .27
2013 Auto Insurance Premiums = $316,545,075.00
2012 Florida Auto Insurance Complaint Ratio = .24
2011 Florida Auto Insurance Complaint Ratio = .21
2010 Florida Auto Insurance Complaint Ratio = .17
2009 Florida Auto Insurance Complaint Ratio = .18
The Travelers subsidiary, among the largest auto insurance companies in Florida, used for gathering complaint data for the FL auto insurance complaint ratios from 2009 to 2012 above, is Travelers Home & Marine Insurance Company.
Starting in 2013, the annual premiums & complaint ratio are based on the combined data of all the Travelers insuring autos in Florida, including Travelers Home & Marine Insurance Company, Travelers Commercial Insurance Company, Travelers Property Casualty Company of America, Travelers Indemnity Company of America, Standard Fire Insurance Company, Travelers Indemnity Company, and First Floridian Auto & Home Insurance Company.
The Florida auto insurance market share for the Travelers insurance companies decreased from 2013 to 2014, which might mean some Travelers subsidiaries no longer have competitive auto insurance rates, may be canceling policies, and/or may no longer sell new auto insurance policies in Florida.
8. Liberty Mutual Insurance
FL Auto Insurance Complaint Record (Best to Worst): 17th out of 26 (Tier 5)
2014 Florida Auto Insurance Complaint Ratio = .22
2014 Auto Insurance Premiums = 267,906,316
2013 Florida Auto Insurance Complaint Ratio = .27
2013 Auto Insurance Premiums = $290,842,982.00
2012 Florida Auto Insurance Complaint Ratio = .25
2011 Florida Auto Insurance Complaint Ratio = .29
2010 Florida Auto Insurance Complaint Ratio = .28
2009 Florida Auto Insurance Complaint Ratio = .21
The Liberty Mutual subsidiary, among the largest auto insurance companies in Florida, used for gathering complaint data for the FL auto insurance complaint ratios used above, is Liberty Mutual Insurance Company.
Liberty Mutual Insurance Company has been the Liberty Mutual subsidiary insuring the largest number of private passenger vehicles in Florida (LM General Insurance Company is now the largest), and its 2009 – 2012 auto insurance complaint record is shown above. Starting in 2013, the annual premiums & complaint ratio are based on the combined data of Liberty Mutual Insurance Company, Liberty Mutual Fire Insurance Company, LM General Insurance Company, LM Insurance Corporation, First Liberty Insurance Corporation, and Liberty Insurance Corporation.
The Florida auto insurance market share for the Liberty Mutual insurance companies decreased from 2013 to 2014, which might mean some Liberty Mutual subsidiaries no longer have competitive auto insurance rates, may be canceling policies, and/or may no longer sell new auto insurance policies in Florida.
9. Safeco Insurance
FL Auto Insurance Complaint Record (Best to Worst): 12th out of 26 (Tier 4)
2014 Florida Auto Insurance Complaint Ratio = .16
2014 Auto Insurance Premiums = $239,969,287.00
2013 Florida Auto Insurance Complaint Ratio = .23
2013 Auto Insurance Premiums = $239,186,579.00
2012 Florida Auto Insurance Complaint Ratio = .27
2011 Florida Auto Insurance Complaint Ratio = .30
2010 Florida Auto Insurance Complaint Ratio = .19
2009 Florida Auto Insurance Complaint Ratio = .19
The Safeco subsidiary, among the 25 largest auto insurance companies in Florida, used for gathering complaint data for the FL auto insurance complaint ratios used above, is Safeco Insurance Company of Illinois.
The Florida auto insurance market share for Safeco Insurance Company of Illinois remained flat from 2013 to 2014, which might mean Safeco Insurance Company of Illinois no longer has competitive auto insurance rates, may be canceling policies, and/or may no longer sell new auto insurance policies in Florida.
10. Hartford Insurance
FL Auto Insurance Complaint Record (Best to Worst): 16th out of 26 (Tier 5)
2014 Florida Auto Insurance Complaint Ratio = .19
2014 Auto Insurance Premiums = $233,843,961.00
2013 Florida Auto Insurance Complaint Ratio = .25
2013 Auto Insurance Premiums = $227,429,563.00
2012 Florida Auto Insurance Complaint Ratio = .31
2011 Florida Auto Insurance Complaint Ratio = .44
2010 Florida Auto Insurance Complaint Ratio = .55
2009 Florida Auto Insurance Complaint Ratio = .28
Hartford Underwriters Insurance Company is the Hartford subsidiary insuring the largest number of private passenger vehicles in Florida, and its 2009 – 2012 auto insurance complaint record is shown above. Starting in 2013, the annual premiums & complaint ratio are based on the combined data of all the Hartford subsidiaries insuring autos in Florida, including Hartford Fire Insurance Company, Hartford Accident & Indemnity Company, Hartford Casualty Insurance Company, Hartford Insurance Company of the Midwest, Hartford Insurance Company of the Southeast, Property & Casualty Insurance Company of Hartford, Sentinel Insurance Company, and Twin City Fire Insurance Company.
Overall, the Hartford companies increased their Florida auto insurance market share slightly from 2013 to 2014.
11. Auto Owners Insurance (Southern-Owners Insurance Company)
FL Auto Insurance Complaint Record (Best to Worst): 13th out of 26 (Tier 4)
2014 Florida Auto Insurance Complaint Ratio = .18
2014 Auto Insurance Premiums = $221,910,549.00
2013 Florida Auto Insurance Complaint Ratio = .22
2013 Auto Insurance Premiums = $220,957,208.00
2012 Florida Auto Insurance Complaint Ratio = .24
2011 Florida Auto Insurance Complaint Ratio = .14
2010 Florida Auto Insurance Complaint Ratio = .07
2009 Florida Auto Insurance Complaint Ratio = .03
Southern-Owners Insurance Company is the Auto-Owners subsidiary insuring the largest number of private passenger vehicles in Florida, and its 2009 – 2012 auto insurance complaint record is shown above. Starting in 2013, the annual premiums & complaint ratio are based on the combined data of Southern-Owners Insurance Company, Auto-Owners Insurance Company, and Owners Insurance Company.
The Florida auto insurance market share for the Auto-Owners insurance companies remained flat from 2013 to 2014, which might mean Auto-Owners is no longer selling auto insurance in Florida.
12. Bristol West / Security National Insurance
FL Auto Insurance Complaint Record (Best to Worst): 15th out of 26 (Tier 5)
2014 Florida Auto Insurance Complaint Ratio = .15
2014 Auto Insurance Premiums = $214,548,246.00
2013 Florida Auto Insurance Complaint Ratio = .26
2013 Auto Insurance Premiums = $182,981,286.00
2012 Florida Auto Insurance Complaint Ratio = .35
2011 Florida Auto Insurance Complaint Ratio = .39
2010 Florida Auto Insurance Complaint Ratio = .38
2009 Florida Auto Insurance Complaint Ratio = .27
The Bristol West subsidiary, among the largest auto insurance companies in Florida, used for gathering complaint data for the FL auto insurance complaint ratios used above, is Security National Insurance Company.
The Florida auto insurance market share for the Security National increased by more than 15% from 2013 to 2014, which might mean Security National has lower auto insurance rates than other companies in Florida.
13. 21st Century Centennial Insurance Company
FL Auto Insurance Complaint Record (Best to Worst): 19th out of 26 (Tier 6)
2014 Florida Auto Insurance Complaint Ratio = .27
2014 Auto Insurance Premiums = $211,197,857.00
2013 Florida Auto Insurance Complaint Ratio = .42
2013 Auto Insurance Premiums = $244,767,003.00
2012 Florida Auto Insurance Complaint Ratio = .44
2011 Florida Auto Insurance Complaint Ratio = .38
2010 Florida Auto Insurance Complaint Ratio = .30
2009 Florida Auto Insurance Complaint Ratio = .39
21st Century Centennial Insurance Company is the only 21st Century subsidiary with significant auto insurance market share in Florida.
The Florida auto insurance market share for 21st Century Centennial Insurance Company decreased by more than 10% from 2013 to 2014, which might mean 21st Century no longer has competitive auto insurance rates in Florida.
14. Direct General Insurance
FL Auto Insurance Complaint Record (Best to Worst): 23rd out of 26 (Tier 8)
2014 Florida Auto Insurance Complaint Ratio = .87
2014 Auto Insurance Premiums = $208,910,339.00
2013 Florida Auto Insurance Complaint Ratio = .75
2013 Auto Insurance Premiums = $212,073,018.00
2012 Florida Auto Insurance Complaint Ratio = 1.47
2011 Florida Auto Insurance Complaint Ratio = 1.45
2010 Florida Auto Insurance Complaint Ratio = 1.94
2009 Florida Auto Insurance Complaint Ratio = 1.42
The Direct General subsidiary, among the largest auto insurance companies in Florida, used for gathering complaint data for the FL auto insurance complaint ratios used above, is Direct General Insurance Company.
The Florida auto insurance market share for Direct General decreased slightly from 2013 to 2014, which might mean some Direct General no longer has competitive auto insurance rates, may be canceling policies, and/or may no longer sell new auto insurance policies in Florida.
15. Windhaven Insurance Company
FL Auto Insurance Complaint Record (Best to Worst): 25th out of 26 (Tier 10)
2014 Florida Auto Insurance Complaint Ratio = 1.42
2014 Auto Insurance Premiums = $193,314,463.00
2013 Florida Auto Insurance Complaint Ratio = 1.02
2013 Auto Insurance Premiums = $173,281,839.00
2012 Florida Auto Insurance Complaint Ratio = 1.27
2011 Florida Auto Insurance Complaint Ratio = 2.58
2010 Florida Auto Insurance Complaint Ratio = 1.42
2009 Florida Auto Insurance Complaint Ratio = 2.17
The auto insurance market share for Windhaven Insurance Company in Florida has increased by more than 1,000% (!) since 2009, and increased significantly from 2013 to 2014, which may be a sign of lower auto insurance rates. However, its 2009-2014 FL auto insurance complaint record is not very good.
16. Esurance Insurance
FL Auto Insurance Complaint Record (Best to Worst): 14th out of 26 (Tier 4)
2014 Florida Auto Insurance Complaint Ratio = .15
2014 Auto Insurance Premiums = $188,509,388.00
2013 Florida Auto Insurance Complaint Ratio = .29
2013 Auto Insurance Premiums = $190,254,326.00
2012 Florida Auto Insurance Complaint Ratio = .18
2011 Florida Auto Insurance Complaint Ratio = .51
2010 Florida Auto Insurance Complaint Ratio = .34
2009 Florida Auto Insurance Complaint Ratio = .34
The Esurance subsidiaries, among the largest auto insurance companies in Florida, used for gathering complaint data for the FL auto insurance complaint ratios used above, is Esurance Property & Casualty Insurance Company for 2012, 2013, & 2014, and Esurance Insurance Company for 2009, 2010, and 2011.
The Florida auto insurance market share for Esurance decreased slightly from 2013 to 2014, which might mean Esurance no longer has competitive auto insurance rates, may be canceling policies, and/or may no longer sell new auto insurance policies in Florida.
17. Metlife / Metropolitan Insurance
FL Auto Insurance Complaint Record (Best to Worst): 7th out of 26 (Tier 2)
2014 Florida Auto Insurance Complaint Ratio = .15
2014 Auto Insurance Premiums = $155,981,517.00
2013 Florida Auto Insurance Complaint Ratio = .13
2013 Auto Insurance Premiums = $157,232,328.00
2012 Florida Auto Insurance Complaint Ratio = .19
2011 Florida Auto Insurance Complaint Ratio = .29
2010 Florida Auto Insurance Complaint Ratio = .16
2009 Florida Auto Insurance Complaint Ratio = .18
The Metlife subsidiary, among the largest auto insurance companies in Florida, used for gathering complaint data for the FL auto insurance complaint ratios used above, is Metropolitan Casualty Insurance Company.
The Florida auto insurance market share for Metropolitan Casualty Insurance Company decreased slightly from 2013 to 2014, which might mean it no longer has competitive auto insurance rates, may be canceling policies, and/or may no longer sell new auto insurance policies in Florida.
18. United Automobile Insurance
FL Auto Insurance Complaint Record (Best to Worst): 24th out of 26 (Tier 9)
2014 Florida Auto Insurance Complaint Ratio = .85
2014 Auto Insurance Premiums = $131,789,942.00
2013 Florida Auto Insurance Complaint Ratio = 1.03
2013 Auto Insurance Premiums = $147,869,686.00
2012 Florida Auto Insurance Complaint Ratio = 1.56
2011 Florida Auto Insurance Complaint Ratio = 1.43
2010 Florida Auto Insurance Complaint Ratio = 1.12
2009 Florida Auto Insurance Complaint Ratio = 1.47
The United Automobile subsidiary, among the largest auto insurance companies in Florida, used for gathering complaint data for the FL auto insurance complaint ratios used above, is United Automobile Insurance Company.
The Florida auto insurance market share for United Automobile Insurance Company decreased from 2013 to 2014, which might mean United Automobile Insurance Company no longer has competitive auto insurance rates, may be canceling policies, and/or may no longer sell new auto insurance policies in Florida.
19. Mercury Insurance
FL Auto Insurance Complaint Record (Best to Worst): 18th out of 26 (Tier 5)
2014 Florida Auto Insurance Complaint Ratio = .21
2014 Auto Insurance Premiums = $130,324,508.00
2013 Florida Auto Insurance Complaint Ratio = .32
2013 Auto Insurance Premiums = $132,851,787.00
2012 Florida Auto Insurance Complaint Ratio = .27
2011 Florida Auto Insurance Complaint Ratio = .48
2010 Florida Auto Insurance Complaint Ratio = .27
2009 Florida Auto Insurance Complaint Ratio = .35
The Mercury subsidiary, among the largest auto insurance companies in Florida, used for gathering complaint data for the FL auto insurance complaint ratios above for 2012 & earlier, is Mercury Insurance Company of Florida.
For 2013 & later, the auto insurance complaint ratios & annual premiums are determined by using the combined data for Mercury Insurance Company of Florida and Mercury Indemnity Company of America, which starting in 2013, became the largest Mercury subsidiary insuring autos in Florida.
The Florida auto insurance market share for the Mercury insurance companies decreased slightly from 2013 to 2014, which might mean Mercury no longer has competitive auto insurance rates, may be canceling policies, and/or may no longer sell new auto insurance policies in Florida.
20. Florida Farm Bureau General Insurance Company
FL Auto Insurance Complaint Record (Best to Worst): 9th out of 26 (Tier 3)
2014 Florida Auto Insurance Complaint Ratio = .13
2014 Auto Insurance Premiums = $120,814,976.00
2013 Florida Auto Insurance Complaint Ratio = .19
2013 Auto Insurance Premiums = $117,617,752.00
2012 Florida Auto Insurance Complaint Ratio = .23
2011 Florida Auto Insurance Complaint Ratio = .19
2010 Florida Auto Insurance Complaint Ratio = .11
2009 Florida Auto Insurance Complaint Ratio = .11
Florida Farm Bureau General Insurance Company is the Florida Farm Bureau subsidiary insuring the largest number of private passenger vehicles in Florida. Florida Farm Bureau’s other subsidiary insuring autos in Florida, Florida Farm Bureau Casualty Insurance Company, has a very small share of the Florida auto insurance market, so its complaint record is not included in this review.
The Florida auto insurance market share for Florida Farm Bureau General Insurance Company increased slightly from 2013 to 2014.
21. Ocean Harbor Casualty Insurance Company
FL Auto Insurance Complaint Record (Best to Worst): 26th out of 26 (Tier 11)
2014 Florida Auto Insurance Complaint Ratio = 1.35
2014 Auto Insurance Premiums = $112,986,557.00
2013 Florida Auto Insurance Complaint Ratio = 1.96
2013 Auto Insurance Premiums = $116,371,418.00
2012 Florida Auto Insurance Complaint Ratio = 1.36
2011 Florida Auto Insurance Complaint Ratio = 2.14
2010 Florida Auto Insurance Complaint Ratio = 2.65
2009 Florida Auto Insurance Complaint Ratio = 2.61
The auto insurance market share for Ocean Harbor Casualty Insurance Company in Florida, although decreasing slightly from 2013 to 2014, has doubled since 2009.
22. Allied Insurance
FL Auto Insurance Complaint Record (Best to Worst): 4th out of 26 (Tier 1)
2014 Florida Auto Insurance Complaint Ratio = .13
2014 Auto Insurance Premiums = $111,932,239.00
2013 Florida Auto Insurance Complaint Ratio = .13
2013 Auto Insurance Premiums = $137,295,817.00
2012 Florida Auto Insurance Complaint Ratio = .12
2011 Florida Auto Insurance Complaint Ratio = .15
2010 Florida Auto Insurance Complaint Ratio = .12
2009 Florida Auto Insurance Complaint Ratio = .08
The two Allied subsidiaries (supposedly to be soon re-named after its parent company, Nationwide Insurance), among the largest auto insurance companies in Florida, used for gathering complaint data for the FL auto insurance complaint ratios used above, are Depositors Insurance Company and Allied Property & Casualty Insurance Company.
The Florida auto insurance market share for the Allied insurance companies mentioned above decreased from 2013 to 2014, which might mean Allied no longer have competitive auto insurance rates, may be canceling policies, and/or may no longer sell new auto insurance policies in Florida.
23. Amica Mutual Insurance Company
FL Auto Insurance Complaint Record (Best to Worst): 2nd out of 26 (Tier 1)
2014 Florida Auto Insurance Complaint Ratio = .07
2014 Auto Insurance Premiums = $97,597,586.00
2013 Florida Auto Insurance Complaint Ratio = .16
2013 Auto Insurance Premiums = $99,545,276.00
2012 Florida Auto Insurance Complaint Ratio = .15
2011 Florida Auto Insurance Complaint Ratio = .24
2010 Florida Auto Insurance Complaint Ratio = .13
2009 Florida Auto Insurance Complaint Ratio = .20
The auto insurance market share for Amica Mutual Insurance Company in Florida, although decreasing slightly from 2013 to 2014, has increased about 40% since 2009.
24. AAA Insurance (Auto Club Insurance Company of Florida)
FL Auto Insurance Complaint Record (Best to Worst): 3rd out of 26 (Tier 1)
2014 Florida Auto Insurance Complaint Ratio = .13
2014 Auto Insurance Premiums = $94,107,039.00
2013 Florida Auto Insurance Complaint Ratio = .10
2013 Auto Insurance Premiums = $85,748,267.00
2012 Florida Auto Insurance Complaint Ratio = .08
2011 Florida Auto Insurance Complaint Ratio = .05
2010 Florida Auto Insurance Complaint Ratio = .11
2009 Florida Auto Insurance Complaint Ratio = .06
The FL auto insurance market share for Auto Club Insurance Company of Florida has increased about 500% since 2009, which may be a sign of lower auto insurance rates.
Florida AAA offices & independent insurance agencies in FL appointed by AAA to sell AAA auto insurance also represent a smaller company, about half the size of Auto Club Insurance Company of Florida, called Auto Club South Insurance Company. The Florida auto insurance market share for Auto Club South Insurance Company has not grown in three years, so its auto insurance rates may no longer be competitive, or this company may no longer be selling new auto insurance policies. If you have Auto Club South Insurance Company auto insurance, keep in mind it has a different complaint record than the complaint record for Auto Club Insurance Company of Florida shown above.
25. Peak Property & Casualty Insurance Corporation
FL Auto Insurance Complaint Record (Best to Worst): 20th out of 26 (Tier 6)
2014 Florida Auto Insurance Complaint Ratio = .29
2014 Auto Insurance Premiums = $64,733,804.00
2013 Florida Auto Insurance Complaint Ratio = .55
2013 Auto Insurance Premiums = $65,298,345.00
2012 Florida Auto Insurance Complaint Ratio = .37
2011 Florida Auto Insurance Complaint Ratio = .85
2010 Florida Auto Insurance Complaint Ratio = .68
2009 Florida Auto Insurance Complaint Ratio = .72
The Florida auto insurance market share for Peak Property & Casualty Insurance Corporation, although dropping slightly from 2013 to 2014, has doubled since 2009.
26. MGA Insurance Company (GAINSCO auto insurance)
FL Auto Insurance Complaint Record (Best to Worst): 21st out of 26 (Tier 7)
2014 Florida Auto Insurance Complaint Ratio = .42
2014 Auto Insurance Premiums = $64,045,652
2013 Florida Auto Insurance Complaint Ratio = .56
2013 Auto Insurance Premiums = $82,145,557.00
2012 Florida Auto Insurance Complaint Ratio = .92
2011 Florida Auto Insurance Complaint Ratio = 1.18
2010 Florida Auto Insurance Complaint Ratio = 1.28
2009 Florida Auto Insurance Complaint Ratio = 1.27
MGA Insurance Company, marketed as GAINSCO Auto Insurance, is a nonstandard auto insurance company designed to insure higher risk drivers & drivers wanting only the minimum auto insurance liability coverage as required by the state.
The Florida auto insurance market share for MGA Insurance Company decreased quite a bit from 2013 to 2014, which may mean it no longer has competitive auto insurance rates, or MGA Insurance Company is non-renewing policyholders it considers too high of a risk, or no longer selling new auto insurance policies in Florida. You can learn more by reading my Gainsco Auto Insurance review.
Florida Auto Insurance Rates & Complaints Review Summary
GEICO, Progessive, USAA, Security National (a Bristol West company), Windhaven, & Auto Club Insurance Company of FL (AAA) have increased their Florida auto insurance market share substantially from 2013 to 2014, which is a strong indication these companies have lower auto insurance rates.
Auto Club of Florida, USAA, Allied, Amica, GEICO, Metlife and State Farm have the best Florida auto insurance complaint records from 2012 to 2014.
The auto insurance companies with some of the worst complaint records in Florida from 2012 to 2014 are Ocean Harbor, Windhaven, United Automobile, Direct General, Infinity, MGA, 21st Century, and Peak Insurance.
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