U.S. Auto & Homeowners Insurance Companies Rated Better than Average, Average, or Worse Than Average based on Complaints & JD Power Studies

This review rates & ranks the major US auto & home insurance companies for pricing, claims, customer satisfaction, & customer complaints by using each company’s complaint statistics and performance in JD Power insurance studies over the most recent three years, to show you which companies are performing worse than average, average, or better than average in these categories.

My insurance company reviews for each company, which you can read here, go into more detail about each insurance company’s performance in annual JD Power studies and their customer complaint statistics, but this review is a quick way to compare over 40 companies for auto & homeowners customer service, claims, pricing, & complaint record with each other, to see if a company consistently performs better than average, average, or worse than average. If my reviews help you, please like me on Facebook & share links to my reviews with your friends & family through social media. Bookmark this page for updates as new JD Power studies & complaint statistics are published each year, and I update each company’s ratings.

Auto & Homeowners Insurance Companies Rated for Pricing, Claims, Customer Service, & Complaints

This review is divided into eight sections: 1. company ratings for auto insurance pricing, 2. company ratings for auto insurance claims, 3. company ratings for auto insurance customer satisfaction, 4. company ratings for auto insurance complaints, 5. company ratings for homeowners insurance pricing, 6. company ratings for homeowners insurance claims, 7. company ratings for homeowners insurance customer satisfaction, and 8. company ratings for homeowners (including mobile homes, condos, & renters) insurance complaints.

If the information in this review is helpful, please like it on Facebook & share the link to this review or my site with your friends & family through social media. Bookmark this page for updates as the latest JD Power studies & complaint statistics are published each year, and I revise each company’s ratings.

1. Company Ratings for Auto Insurance Pricing

This is how major auto insurance companies rate nationally for auto insurance pricing, as surveyed by recent auto insurance shoppers in the 2016 JD Power Auto Insurance Shopping Study.

The 2016 U.S. Insurance Shopping Study is based on responses from more than 17,000 shoppers who requested an auto insurance price quote from at least one competitive insurer in the past 9 months and includes more than 50,000 unique customer evaluations of insurers. The study was fielded in April, July & October 2015, and January 2016.

Companies rated five or four power circles in this study for the category of Pricing are listed as better than average, companies rated in this study at three power circles for the Pricing category are listed as average, and companies in this study receiving the lowest rating of two power circles in the Pricing category are listed as below average. Companies are ranked from highest power circle rating to lowest power circle rating for the Pricing category, and companies with the same rating are ranked from highest score to lowest score.

The opinions of people in a survey about auto insurance rates are not reliable for finding the company with the best price for you, because so many individual rating factors specific to you are used to determine your insurance rate, a company with a low rate for one person (or even many people) may not have a low rate for you. and vice versa, companies with a reputation for high auto insurance rates may have the best rate for you. However, if you don’t wish to take the time to get price quotes from all the auto insurance companies available to you, the information below can help you focus on the companies with lower rates at this time, as determined by a survey of over 17,000 auto insurance shoppers.

Be sure to use the information in this review and the ad below this paragraph (or the ad at the end of this review) to request price quotes from multiple insurance companies, and find the best auto or home insurance company for you.

Auto Insurance Rates Satisfaction:

1. USAA: Better than average

2. Erie: Better than average

3. Hartford: Better than average

4. Liberty Mutual: Better than average

5. American Family: Better than average (up from Average in 2015)

6. Auto Club Group: Better than average

7. Travelers: Better than average

8. Mercury: Better than average (up from Worse than average in 2015)

9. CSAA / AAA NCNU: Better than average

10. Ameriprise: Better than average

11. State Farm: Average

12. Allied: Average (up from Worse than average in 2015)

13. Amica Mutual: Average (down from Better than average in 2015)

14. Auto-Owners Insurance: Average

15. Safeco: Average

16. Auto Club of SC: Average

17. Farmers: Average

18. Nationwide: Average

19. Esurance: Average

20. GEICO: Average (down from Better than average in 2015)

21. Progressive: Worse than average

22. Allstate: Worse than average (down from Average in 2015)

23. MetLife: Worse than average (down from Average in 2015) (tie score with 21st Century)

23. 21st Century: Worse than average (down from Average in 2015) (tie score with Metlife)

Although the information about the companies listed above shows the companies having better or worse auto insurance rates nationally, the companies may or may not have high or low auto insurance rates in your state. The ratings for these (and additional) companies in the category of Pricing, in each of the eleven U.S. regions making up the 2016 JD Auto Insurance Customer Satisfaction Study, will show you how the major auto insurance companies perform for Pricing in your state, as surveyed by each company’s customers in the region.

I rate & rank the performance of the auto insurance companies included in the 2016 JD Auto Insurance Customer Satisfaction Study for the Pricing category in each region below.

Companies rated five or four power circles in a region for the category of Pricing are listed as better than average, companies rated in a region at three power circles for the Pricing category are listed as average, and companies in a region receiving the lowest rating of two power circles in the Pricing category are listed as below average. Companies are ranked from highest power circle rating to lowest power circle rating for the Pricing category, and companies with the same rating are ranked from highest score to lowest score in each region.

Scroll down to see how each insurance company rated & ranked for auto insurance pricing in the region containing the state where you live:

California Region (State of CA only) Auto Insurance Rates Satisfaction

1. USAA: Better than average

2. Ameriprise: Better than average

3. Wawanesa: Better than average

4. Auto Club of SC: Better than average

5. Hartford: Better than average

6. GEICO: Better than average (up from average in 2014)

7. 21st Century: Better than average (up from average in 2015)

8. State Farm: Average

9. CSAA / AAA NCNU: Average

10. Allstate: Average

11. Nationwide: Average (up from worse than average in 2015)

12. Progressive: Average

13. Safeco: Average (up from worse than average in 2015)

14. Esurance: Average (down from better than average in 2015)

15. Mercury: Average

16. Liberty Mutual: Worse than average (down from average in 2015)

17. Farmers: Worse than average

Travelers: Worse than average (in 2015, not rated in this CA study for 2016)

Infinity P&C: Worse than average (in 2015, not rated in this CA study for 2016)

Companies not included in the 2016 California study due to small sample size: Infinity P&C, MAPFRE Insurance, National General, and Travelers.

Florida Region (State of FL Only) Auto Insurance Rates Satisfaction

1. USAA: Better than average

2. Hartford: Better than average (up from average in 2015)

3. Metlife: Better than average

4. GEICO: Average (down from better than average in 2015)

5. Liberty Mutual: Average (up from worse than average in 2015)

6. Progressive: Average (down from better than average in 2015)

7. Esurance: Average

8. Travelers: Average (up from worse than average in 2015)

9. Auto-Owners: Average (up from worse than average in 2015)

10. Allstate: Worse than average (down from average in 2015)

11. State Farm: Worse than average

12. Safeco: Worse than average

13. Nationwide: Worse than average

14. 21st Century: Worse than average (down from average in 2015)

Companies not included in the 2016 Florida study due to small sample size: Amica Mutual, Direct General, Farmers, Infinity P&C, and Mercury.

New York Region (State of NY only) Auto Insurance Rates Satisfaction

1. USAA: Better than average

2. GEICO: Better than average

3. Metlife: Better than average (up from average in 2015)

4. New York Central Mutual: Average

5. Travelers: Average (up from worse than average in 2015)

6. Hartford: Average (up from worse than average in 2015)

7. Progressive: Average (up from worse than average in 2015)

8. State Farm: Worse than average (down from average in 2015)

9. Nationwide: Worse than average

10. Allstate: Worse than average

11. Liberty Mutual: Worse than average (down from average in 2014)

Companies not included in the 2016 New York study due to small sample size: Amica Mutual and Erie Insurance.

Texas Region (State of TX only) Auto Insurance Rates Satisfaction

1. USAA: Better than average

2. Texas Farm Bureau: Better than average

3. Progressive: Better than average (up from average in 2015)

4. Auto Club of SC / AAA: Better than average (2016 is the first year AC of SC was rated in the TX study)

5. Allstate: Average (up from worse than average in 2015)

6. State Farm: Average (up from worse than average in 2015)

7. Farmers: Average (up from worse than average in 2015)

8. GEICO: Average (down from better than average in 2014)

9. Liberty Mutual: Worse than average

10. Nationwide: Worse than average

Companies not included in the 2016 Texas study due to small sample size: Amica Mutual and MetLife.

Central Region (AR, IA, KS, MN, MO, NE, ND, OK, SD) Auto Insurance Rates Satisfaction

1. USAA: Better than average

2. GEICO: Better than average

3. Auto Club of SC: Better than average

4. Shelter: Better than average

5. Safeco: Better than average (up from average in 2015)

6. State Farm: Average

7. Hartford: Average (down from better than average in 2015)

8. American Family: Average (up from worse than average in 2015)

9. Progressive: Average (down from better than average in 2015)

10. Auto-Owners: Average (down from better than average in 2015)

11. Travelers: Average (up from worse than average in 2015)

12. Liberty Mutual: Worse than average (down from average in 2014)

13. Farmers: Worse than average

14. Allstate: Worse than average (down from average in 2015)

15. Farm Bureau Mutual: Worse than average

16. Nationwide: Worse than average

Companies not included in the 2016 Central study due to small sample size: Automobile Club Group.

Mid-Atlantic Region (DC, DE, MD, NJ, PA, VA, WV) Auto Insurance Rates Satisfaction

1. USAA: Better than average

2. NJ Manufacturers: Better than average

3. Erie: Better than average

4. Hartford: Better than average

5. CSAA / AAA: Better than average (This is the first year California State Auto Assoc. has been rated in the Mid-Atlantic region)

6. Plymouth Rock Assurance NJ / High Point: Average (up from worse than average in 2015)

7. GEICO: Average (down from better than average in 2015)

8. Progressive: Average

9. Allstate: Worse than average (down from average in 2014)

10. Nationwide: Worse than average

11. State Farm: Worse than average (down from average in 2015)

12. Travelers: Worse than average (down from average in 2015)

13. 21st Century: Worse than average (down from average in 2014)

14. Liberty Mutual: Worse than average

Companies not included in the 2016 Mid-Atlantic study due to small sample size: Amica Mutual, Esurance, MetLife, and Safeco Insurance.

North Central Region (IL, IN, MI, OH, WI) Auto Insurance Rates Satisfaction

1. USAA: Better than average

2. Erie: Better than average

3. Auto-Owners: Better than average (up from average in 2015)

4. COUNTRY: Better than average (up from average in 2014)

5. Hartford: Better than average

6. Grange: Better than average (up from average in 2014)

7. Progressive: Better than average

8. State Farm: Average (down from better than average in 2014)

9. American Family: Average (up from worse than average in 2014)

10. Farmers: Average (up from worse than average in 2014)

11. GEICO: Average (down from better than average in 2015)

12. Metlife: Average (up from worse than average in 2014)

13. Nationwide: Worse than average (down from average in 2015)

14. Allstate: Worse than average

15. Liberty Mutual: Worse than average (down from average in 2015)

16. Auto Club / AAA: Worse than average

17. Hanover: Worse than average

18. Safeco: Worse than average

19. Esurance: Worse than average (This is the first year Esurance was rated in the North Central region)

Indiana Farm Bureau: Better than average (as of 2015 — not rated in 2016)

Michigan Farm Bureau: Worse than average (as of 2015 — not rated in 2016)

Companies not included in the 2016 North Central study due to small sample size: Michigan Farm Bureau.

New England Region (CT, ME, MA, NH, RI, VT) Auto Insurance Rates Satisfaction

1. USAA: Better than average

2. Amica: Better than average

3. Nationwide: Better than average (up from worse than average in 2015)

4. GEICO: Better than average

5. Progressive: Better than average (up from average in 2015)

6. Allstate: Average

7. Liberty Mutual: Average

8. State Farm: Average (down from better than average in 2014)

9. Hartford: Average (down from better than average in 2014)

10. Travelers: Average (up from worse than average in 2014)

11. Arbella: Average

12. Commerce / MAPFRE: Average ( up from worse than average in 2015)

13. Metlife: Average (up from worse than average in 2014)

14. Plymouth Rock Assurance: Worse than average (down from average in 2014)

15. Safety: Worse than average (down from average in 2015)

16. Safeco: Worse than average (down from average in 2015)

17. Hanover: Worse than average

Companies not included in the 2016 New England study due to small sample size: None.

Northwest Region (ID, MT, OR, WA, WY) Auto Insurance Rates Satisfaction

1. USAA: Better than average

2. PEMCO: Better than average

3. Hartford: Better than average

4. GEICO: Better than average

5. Progressive: Better than average (up from average in 2015)

6. State Farm: Worse than average (down from average in 2015)

7. Farmers: Worse than average (down from average in 2015)

8. American Family: Worse than Average (down from average in 2015)

9. Liberty Mutual: Worse than average

10. Allstate: Worse than average

11. Safeco: Worse than average

12. Nationwide: Worse than average

Mutual of Enumclaw: Company not included in 2015 or 2016 studies (rated better than average in 2014)

Companies not included in the 2016 Northwest study due to small sample size: Country Financial.

Southwest Region (AZ, CO, NV, NM, UT) Auto Insurance Rates Satisfaction

1. USAA: Better than average

2. Hartford: Better than average (up from average in 2015)

3. GEICO: Better than average

4. American Family: Average (up from worse than average in 2015)

5. Liberty Mutual: Average (up from worse than average in 2014)

6. Safeco: Average (up from worse than average in 2015)

7. Progressive: Average (down from better than average in 2015)

8. CSAA / AAA NCNU: Average (up from worse than average in 2014)

9. State Farm: Worse than average (down from average in 2015)

10. Allstate: Worse than average

11. Farmers: Worse than average

Companies not included in the 2016 Southwest study due to small sample size: Auto-Owners Insurance, Farm Bureau Mutual, and Nationwide

Southeast Region (AL, GA, KY, LA, MS, NC, SC, TN) Auto Insurance Rates Satisfaction

1. USAA: Better than average

2. Tennessee Farm Bureau: Better than average

3. Alfa: Better than average

4. GEICO: Better than average (up from average in 2015)

5. Kentucky Farm Bureau: Average (down from better than average in 2015)

6. Auto-Owners: Average (down from better than average in 2014)

7. North Carolina Farm Bureau: Average (down from better than average in 2015)

8. State Farm: Average (up from worse than average in 2015)

9. Nationwide: Average (up from worse than average in 2014)

10. National General (formerly GMAC): Average (This is the first recent year National General has been rated in the SE region study)

11. Metlife: Average (This is the first recent year Metlife has been rated in the SE region study)

12. Allstate: Worse than average (down from average in 2015)

13. Progressive: Worse than average (down from average in 2015)

14. Liberty Mutual: Worse than average (down from average in 2014)

15. Travelers: Worse than average

16. Safeco: Worse than average (down from average in 2014)

Companies not included in the 2016 Southeast study due to small sample size: COUNTRY Financial, Erie Insurance, Esurance, Grange Insurance, The Hartford, and Shelter.

2. Company Ratings for Auto Insurance Claims

See below for how major auto insurance companies rate nationally for handling auto insurance claims, as surveyed by each company’s customers in the 2013, 2014, & 2015 JD Power Auto Claims Studies. I think its important to consider the last three years, because a company scoring well in only the latest year’s study is less likely to be performing well for claims handling now, compared to companies with a consistent history of above average scores in the auto claims study each year.

Companies rated better than average for auto insurance claims satisfaction scored about 1% or more better than the industry average each year in 2013, 2014, & 2015 studies or performed strongly above average in the last two years. Companies rated worse than average for auto insurance claims satisfaction scored about 1% or more below the industry average in the majority of the 2013, 2014, & 2015 studies, or about 2% worse than the industry average in any one year from 2013-2015. All other companies are rated average for auto claims satisfaction. Companies rated the same (average, worse than average, or better than average) are ranked from highest score to lowest score received in the 2015 JD Power Auto Claims Study.

Auto Insurance Claims Satisfaction:

1. New Jersey Manufacturers: Better than average

2. Auto-Owners: Better than average

3. USAA: Better than average

4. Amica: Better than average

5. Auto Club of SC: Better than average

6. Hartford: Better than average

7. Nationwide: Average

8. State Farm: Average

9. Erie: Average

10. Allstate: Average

11. American Family: Average

12. Safeco: Average

13. GEICO: Average

14. COUNTRY: Average

15. Travelers: Average

16. Mercury: Average

17. Farmers: Worse than average

18. Liberty Mutual: Worse than average

19. Progressive: Worse than average

20. CSAA / AAA NCNU: Worse than average

21. 21st Century: Worse than average

22. Hanover: Worse than average

23. Metlife: Worse than average

24. Auto Club: Worse than average

25. Esurance: Worse than average

26. Commerce / MAPFRE: Worse than average

It’s also important to know how each auto insurance company handles auto insurance claims in your state. The ratings for the companies shown above and additional companies, in the category of Claims for each of the eleven U.S. regions making up the 2015 JD Auto Insurance Customer Satisfaction Study, will show you how the major auto insurance companies in your state perform for auto claims, as surveyed by each company’s customers in the region.

I rate & rank the performance of the auto insurance companies included in the 2015 JD Auto Insurance Customer Satisfaction Study for the Claims category in each region below.

Companies rated five or four power circles in a region for the category of Claims are listed as better than average, companies rated in a region at three power circles for the Claims category are listed as average, and companies in a region receiving the lowest rating of two power circles in the Claims category are listed as below average. Companies are ranked from highest power circle rating to lowest power circle rating for the Claims category, and companies with the same rating are ranked from highest score to lowest score in each region.

Scroll down to see how each insurance company rated & ranked for auto insurance claims in the region containing the state where you live:

California Region (State of CA only) Auto Insurance Claims Satisfaction

1. USAA: Better than average

2. Wawanesa: Better than average

3. Auto Club of SC: Better than average

4. Hartford: Better than average (up from average in 2014)

5. Ameriprise: Average (down from better than average in 2014)

6. State Farm: Average (down from better than average in 2014)

7. Safeco: Average (down from better than average in 2014)

8. Travelers: Average (down from better than average in 2014)

9. GEICO: Average

10. Allstate: Average

11. Progressive: Average

12. Mercury: Average (up from worse than average in 2014)

13. Liberty Mutual: Average (up from worse than average in 2014)

14. Nationwide: Average (up from worse than average in 2014)

15. CSAA / AAA NCNU: Average (up from worse than average in 2014)

16. Farmers: Average (up from worse than average in 2014)

17. Esurance: Average

18. 21st Century: Worse than average

19. Infinity P&C: Worse than average

Florida Region (State of FL Only) Auto Insurance Claims Satisfaction

1. USAA: Better than average

2. Metlife: Better than average

3. Liberty Mutual: Better than average (up from average in 2014)

4. GEICO: Better than average (up from worse than average in 2014)

5. 21st Century: Better than average (up from worse than average in 2014)

6. Hartford: Average (down from better than average in 2014)

7. Travelers: Average (down from better than average in 2014)

8. Progressive: Average

9. Allstate: Average

10. State Farm: Average

11. Nationwide: Average (up from worse than average in 2014)

12. Safeco: Not rated for claims in the 2015 FL study (rated average in 2014)

13. Auto-Owners: Worse than average (down from average in 2014)

14. Esurance: Worse than average (not rated for claims in the 2014 FL study)

New York Region (State of NY only) Auto Insurance Claims Satisfaction

1. USAA: Better than average

2. Travelers: Better than average

3. State Farm: Better than average

4. Nationwide: Better than average (up from average in 2014)

5. GEICO: Better than average (up from average in 2014)

6. Hartford: Average (down from better than average in 2014)

7. Allstate: Average

8. New York Central Mutual: Worse than average (down from better than average in 2014)

9. Liberty Mutual: Worse than average (down from average in 2014)

10. Metlife: Worse than average (down from average in 2014)

11. Progressive: Worse than average

Texas Region (State of TX only) Auto Insurance Claims Satisfaction

1. USAA: Better than average

2. Texas Farm Bureau: Better than average

3. State Farm: Average (down from better than average in 2014)

4. GEICO: Average

5. Nationwide: Worse than average (down from better than average in 2014)

6. Allstate: Worse than average (down from average in 2014)

7. Farmers: Worse than average (down from average in 2014)

8. Progressive: Worse than average

9. Liberty Mutual: Worse than average

Central Region (AR, IA, KS, MN, MO, NE, ND, OK, SD) Auto Insurance Claims Satisfaction

1. USAA: Better than average

2. Auto-Owners: Better than average

3. Shelter: Better than average

4. Safeco: Better than average

5. Hartford: Average (down from better than average in 2014)

6. State Farm: Average

7. American Family: Average

8. Allstate: Average

9. Farmers: Average

10. Nationwide: Average

11. GEICO: Worse than average (down from average in 2014)

12. Farm Bureau Mutual: Worse than average (down from average in 2014)

13. Travelers: Worse than average (down from average in 2014)

14. Liberty Mutual: Worse than average

15. Auto Club of SC: Worse than average

16. Progressive: Worse than average

Mid-Atlantic Region (DC, DE, MD, NJ, PA, VA, WV) Auto Insurance Claims Satisfaction

1. USAA: Better than average

2. NJ Manufacturers: Better than average

3. Erie: Better than average (up from average in 2014)

4. Hartford: Better than average

5. GEICO: Better than average (up from average in 2014)

6. State Farm: Average

7. Allstate: Average

8. Plymouth Rock Assurance NJ / High Point: Average

9. Nationwide: Worse than average (down from average in 2014)

10. Travelers: Worse than average (down from average in 2014)

11. Progressive: Worse than average

12. 21st Century: Worse than average

13. Liberty Mutual: Worse than average

North Central Region (IL, IN, MI, OH, WI) Auto Insurance Claims Satisfaction

1. USAA: Better than average

2. Auto-Owners: Better than average

3. Hartford: Better than average

4. Nationwide: Better than average (up from average in 2014)

5. American Family: Better than average (up from worse than average in 2014)

6. Erie: Average (down from better than average in 2014)

7. COUNTRY: Average (down from better than average in 2014)

8. Grange: Average (down from better than average in 2014)

9. Michigan Farm Bureau: Average (down from better than average in 2014)

10. Progressive: Average (down from better than average in 2014)

11. State Farm: Average

12. Hanover: Average

13. Indiana Farm Bureau: Average

14. GEICO: Average (up from worse than average in 2014)

15. Farmers: Average (up from worse than average in 2014)

16. Auto Club: Average (up from worse than average in 2014)

17. Metlife: Average (up from worse than average in 2014)

18. Liberty Mutual: Worse than average (down from average in 2014)

19. Allstate: Worse than average

20. Safeco: Worse than average

New England Region (CT, ME, MA, NH, RI, VT) Auto Insurance Claims Satisfaction

1. USAA: Better than average

2. Amica: Better than average

3. Nationwide: Better than average

4. Safeco: Better than average

5. Liberty Mutual: Better than average (up from average in 2014)

6. State Farm: Average (down from better than average in 2014)

7. Hartford: Average (down from better than average in 2014)

8. Allstate: Average (down from better than average in 2014)

9. Plymouth Rock Assurance: Average

10. Travelers: Average

11. Safety: Average

12. Metlife: Average

13. Progressive: Average (up from worse than average in 2014)

14. GEICO: Average (up from worse than average in 2014)

15. Arbella: Worse than average (down from average in 2014)

16. Commerce / MAPFRE: Worse than average

Hanover: This company was not included in the 2015 New England study, but it rated worse than average in 2014.

Northwest Region (ID, MT, OR, WA, WY) Auto Insurance Claims Satisfaction

1. USAA: Better than average

2. PEMCO: Better than average

3. Hartford: Average (down from better than average in 2014)

4. State Farm: Average (down from better than average in 2014)

5. Nationwide: Average (down from better than average in 2014)

6. Safeco: Average (up from worse than average in 2014)

7. Farmers: Average (up from worse than average in 2014)

8. American Family: Worse than average (down from average in 2014)

9. GEICO: Worse than average (down from average in 2014)

10. Allstate: Worse than average (down from average in 2014)

11. Liberty Mutual: Worse than average (down from average in 2014)

12. Progressive: Worse than average

Mutual of Enumclaw: This company was not included in the 2015 Northwest study, but it rated better than average in 2014.

Southwest Region (AZ, CO, NV, NM, UT) Auto Insurance Claims Satisfaction

1. USAA: Better than average

2. Liberty Mutual: Better than average

3. Hartford: Better than average

4. State Farm: Better than average

5. CSAA / AAA NCNU: Better than average (up from average in 2014)

6. Farmers: Average

7. Safeco: Worse than average (down from better than average in 2014)

8. GEICO: Worse than average (down from average in 2014)

9. American Family: Worse than average (down from average in 2014)

10. Allstate: Worse than average (down from average in 2014)

11. Progressive: Worse than average

Southeast Region (AL, GA, KY, LA, MS, NC, SC, TN) Auto Insurance Claims Satisfaction

1. USAA: Better than average

2. Tennessee Farm Bureau: Better than average

3. State Farm: Better than average (up from average in 2014)

4. Alfa: Better than average

5. North Carolina Farm Bureau: Average

6. Progressive: Average

7. Auto-Owners: Worse than average (down from better than average in 2014)

8. Kentucky Farm Bureau: Worse than average (down from average in 2014)

9. GEICO: Worse than average

10. Liberty Mutual: Worse than average

11. Safeco: Worse than average

12. Travelers: Worse than average

13. Nationwide: Worse than average

14. Allstate: Worse than average

3. Company Ratings for Auto Insurance Customer Satisfaction

See below for how major auto insurance companies in each U.S. region rate for auto insurance customer satisfaction, as surveyed by each company’s customers in the 2013, 2014, & 2015 JD Power Auto Insurance Customer Satisfaction Studies. I think its important to consider the last three years, because a company scoring well in only the latest year’s study is less likely to be performing well for auto insurance customer satisfaction now, compared to companies with a consistent history of above average scores in the auto insurance customer satisfaction study each year.

Companies rated better than average for auto insurance customer satisfaction scored about 1% or more higher than the industry average each year in 2013, 2014, & 2015 studies or performed above average (about 1% or more) in the most recent two years. Companies rated worse than average for auto insurance customer satisfaction scored more than 1% below the industry average in the majority of the 2012, 2013, & 2014 studies or the most recent year. All other companies are rated average for auto customer satisfaction.

Scroll down to see how each company rated & ranked for auto insurance customer satisfaction in the region containing the state where you live:

California Region (State of CA only) Auto Insurance Customer Satisfaction

USAA: Better than average

Wawanesa: Better than average

Ameriprise: Better than average

Auto Club of SC: Better than average

Hartford: Better than average

State Farm: Better than average

Esurance: Better than average

GEICO: Average

Mercury: Worse than average

Allstate: Worse than average

Progressive: Worse than average

Liberty Mutual: Worse than average

Safeco: Worse than average

Nationwide: Worse than average

CSAA / AAA NCNU: Worse than average

Farmers: Worse than average

21st Century: Worse than average

Travelers: Worse than average

Infinity: Worse than average

Florida Region (State of FL Only) Auto Insurance Customer Satisfaction

USAA: Better than average

GEICO: Average

Progressive: Average

Metlife: Average

Allstate: Average

Hartford: Worse than average

Auto-Owners: Worse than average

State Farm: Worse than average

Liberty Mutual: Worse than average

Travelers: Worse than average

Esurance: Worse than average

Safeco: Worse than average

Nationwide: Worse than average

21st Century: Worse than average

New York Region (State of NY only) Auto Insurance Customer Satisfaction

USAA: Better than average

State Farm: Better than average

GEICO: Better than average

Travelers: Average

New York Central Mutual: Worse than average

Hartford: Worse than average

Liberty Mutual: Worse than average

Allstate: Worse than average

Metlife: Worse than average

Nationwide: Worse than average

Progressive: Worse than average

Texas Region (State of TX only) Auto Insurance Customer Satisfaction

USAA: Better than average

Texas Farm Bureau: Better than average

State Farm: Average

GEICO: Average

Progressive: Average

Allstate: Worse than average

Farmers: Worse than average

Nationwide: Worse than average

Liberty Mutual: Worse than average

Central Region (AR, IA, KS, MN, MO, NE, ND, OK, SD) Auto Insurance Customer Satisfaction

USAA: Better than average

Auto-Owners: Better than average

Shelter: Better than average

State Farm: Better than average

GEICO: Average

American Family: Average

Hartford: Average

Safeco: Average

Farm Bureau Mutual: Worse than average

Allstate: Worse than average

Travelers: Worse than average

Liberty Mutual: Worse than average

Auto Club of SC: Worse than average

Farmers: Worse than average

Nationwide: Worse than average

Progressive: Worse than average

Mid-Atlantic Region (DC, DE, MD, NJ, PA, VA, WV) Auto Insurance Customer Satisfaction

USAA: Better than average

NJ Manufacturers: Better than average

Hartford: Better than average

Erie: Better than average

State Farm: Average

GEICO: Average

Allstate: Worse than average

Nationwide: Worse than average

Progressive: Worse than average

Travelers: Worse than average

21st Century: Worse than average

Plymouth Rock Assurance NJ / High Point: Worse than average

Liberty Mutual: Worse than average

North Central Region (IL, IN, MI, OH, WI) Auto Insurance Customer Satisfaction

USAA: Better than average

Auto-Owners: Better than average

State Farm: Better than average

Indiana Farm Bureau: Better than average

Erie: Better than average

COUNTRY: Better than average

Grange: Average

Hartford: Average

Nationwide: Average

GEICO: Average

American Family: Average

Progressive: Average

Liberty Mutual: Average

Michigan Farm Bureau: Worse than average

Allstate: Worse than average

Farmers: Worse than average

Auto Club: Worse than average

Hanover: Worse than average

Metlife: Worse than average

Safeco: Worse than average

New England Region (CT, ME, MA, NH, RI, VT) Auto Insurance Customer Satisfaction

USAA: Better than average

Amica: Better than average

State Farm: Better than average

Hartford: Average

Allstate: Average

Progressive: Average

GEICO: Average

Liberty Mutual: Average

Nationwide: Worse than average

Plymouth Rock Assurance: Worse than average

Commerce / MAPFRE: Worse than average

Arbella: Worse than average

Travelers: Worse than average

Safety: Worse than average

Metlife: Worse than average

Hanover: Worse than average (Not rated in 2015)

Safeco: Worse than average

Northwest Region (ID, MT, OR, WA, WY) Auto Insurance Customer Satisfaction

USAA: Better than average

PEMCO: Better than average

State Farm: Better than average

Mutual of Enumclaw: Better than average (Not rated in 2015)

Hartford: Average

American Family: Worse than average

Safeco: Worse than average

GEICO: Worse than average

Nationwide: Worse than average

Farmers: Worse than average

Progressive: Worse than average

Allstate: Worse than average

Liberty Mutual: Worse than average

Southwest Region (AZ, CO, NV, NM, UT) Auto Insurance Customer Satisfaction

USAA: Better than average

State Farm: Better than average

Hartford: Average

Liberty Mutual: Average

GEICO: Average

American Family: Average

Farmers: Worse than average

Allstate: Worse than average

Progressive: Worse than average

CSAA / AAA NCNU: Worse than average

Safeco: Worse than average

Southeast Region (AL, GA, KY, LA, MS, NC, SC, TN) Auto Insurance Customer Satisfaction

USAA: Better than average

Tennessee Farm Bureau: Better than average

North Carolina Farm Bureau: Average

Alfa: Better than average

Auto-Owners: Average

Kentucky Farm Bureau: Average

State Farm: Average

Progressive: Average

GEICO: Worse than average

Liberty Mutual: Worse than average

Safeco: Worse than average

Travelers: Worse than average

Nationwide: Worse than average

Allstate: Worse than average

4. Company Ratings for Auto Insurance Customer Complaints

To be rated better than average for auto insurance complaints, I consider a company’s number of annual auto insurance complaints filed with a state agency, as compiled by the National Association of Insurance Commissioners, to be less than 90% of the industry average, for its subsidiaries totaling the majority of its annual written US auto insurance premiums, over the last three years (2012 – 2014).

To be rated worse than average for auto insurance complaints, a company’s number of annual auto insurance complaints filed with a state agency, as compiled by the National Association of Insurance Commissioners, is more than 10% above the industry average, for a subsidiary, or a combination of subsidiaries, representing a significant amount of the total annual auto insurance written premium for all subsidiaries, in any year, over the last three years (2012 – 2014).

Other companies not meeting the above guidelines will usually be rated as average for auto insurance complaints. These are only guidelines, and not hard rules, for me to determine a fair assessment of an insurance company. These are only guidelines, and not hard rules, for me to determine a fair assessment of an insurance company’s auto insurance complaint record.

Most insurance companies have a few subsidiaries, and some have many subsidiaries, like Farmers & Progressive, selling the the same line of insurance, like auto insurance. A common reason for using separate subsidiaries is to sell coverage in a particular state or group of states. Sometimes a company has a better or worse claims operation in a certain state or region, so you want to check the complaint record of the subsidiary insuring you. I rate the auto insurance complaint record of the individual subsidiaries in each of my insurance company reviews, which are linked on my home page: smartshopyourcarinsurance.com.

The auto insurance companies rated below are listed alphabetically:

21st Century: Worse than average

Alfa: Better than average (in the state of Alabama only)

Alfa Vision: Worse than average

Allmerica: Worse than average

Allstate: Better than average

Alpha Property & Casualty Insurance Company: Worse than average

American Family: Average

American National P & C (ANPAC): Average

Ameriprise: Worse than average

Amica: Better than average

Auto-Owners: Average

Auto Club Group: Better than average

Auto Club of Southern California: Better than average

California State Auto Assoc. (CSAA / AAA NCNU): Average

Chubb: Better than average

Citizens: Better than average

Commerce: Better than average

COUNTRY: Better than average

Encompass: Better than average

Erie: Better than average

Esurance: Worse than average

Farmers: Average

Financial Indemnity Company: Worse than average

Foremost: Average

GEICO: Average

Grange Mutual Casualty Pool (not Grange Insurance Group/Grange Insurance Association): Better than average

Hanover: Worse than average

Hartford: Worse than average

Infinity: Worse than average

Integon: Worse than average

Kemper Independence Insurance Company: Better than average

Liberty Mutual: Better than average (except the Liberty Mutual Insurance Company subsidiary, which is worse than average)

Main Street America (NGM, Old Dominion Insurance Companies): Average

Mercury: Better than average (California only — see my Mercury review for other states)

Metlife: Average

National General (formerly GMAC): Worse than average

Nationwide: Better than average

New Jersey Manufacturers: Better than average

Progressive: Average

Safeco: Worse than average

State Auto: Worse than average

State Farm: Better than average

Travelers: Better than average

USAA: Average

5. Company Ratings for Homeowners Insurance Pricing

This is how major homeowners insurance companies rate nationally for homeowners insurance pricing, as surveyed by their customers in the 2015 JD Power Homeowners Insurance Customer Satisfaction Study.

Companies rated five or four power circles in this study for the category of homeowners pricing are listed as better than average, companies rated in this study at three power circles for the Pricing category are listed as average, and companies in this study receiving the lowest rating of two power circles in the Pricing category are listed as below average. Companies are ranked from highest power circle rating to lowest power circle rating for the Pricing category, and companies with the same rating are ranked from highest score to lowest score.

The opinions of people in a survey about homeowners insurance rates are not reliable for finding the company with the best price for you, because so many individual rating factors specific to you are used to determine your insurance rates, a company with a low rate for one person (or even many people) may not have a low rate for you. and vice versa, companies with a reputation for high homeowners insurance rates may have the best rate for you. However, if you don’t wish to take the time to get price quotes from all the homeowners insurance companies available to you, the information below can help you focus on the companies with lower rates at this time, as determined by a survey of their homeowners insurance customers.

Be sure to use the information in this review and the ad below this paragraph (or the ad at the end of this review) to request price quotes from multiple insurance companies, and find the best auto or home insurance company for you.

Homeowners Insurance Rates Satisfaction:

1. USAA: Better than average

2. Amica: Better than average

3. Erie: Better than average

4. Auto Club of SC: Better than average

5. GEICO: Better than average

6. Auto-Owners: Better than average

7. Mercury: Better than average

8. American Family: Average

9. COUNTRY: Average

10. Shelter: Average

11. State Farm: Average

12. Nationwide: Average

13. Allstate: Average

14. CSAA / AAA NCNU: Average

15. The Hartford: Average

16. Chubb: Average

17. Progressive: Average

18. Cincinnati: Average

19. Farmers: Average

20. Encompass: Average

21. Auto Club: Average

22. Metlife: Average

23. Safeco: Average

24. Travelers: Average

25. Kemper: Worse than average

26. Liberty Mutual: Worse than average

27. The Hanover: Worse than average

6. Company Ratings for Homeowners Insurance Claims

See below for how major homeowners insurance companies rate nationally for handling property insurance claims, as surveyed by each company’s customers in the 2014, 2015, & 2016 JD Power Property Claims Studies. I think its important to consider the last three years, because a company scoring well in only the latest year’s study is less likely to be performing well for claims handling now, compared to companies with a consistent history of above average scores in the property claims study each year.

Companies rated better than average for homeowners insurance claims satisfaction scored about 1% or more better than the industry average each year in 2014, 2015, & 2016 studies. Companies rated worse than average for homeowners insurance claims satisfaction scored about 1% or more below the industry average in the majority of the 2014, 2015, & 2016 studies, or about 2% worse than the industry average in any one year from 2014-2016. All other companies are rated average for homeowners claims satisfaction. Companies rated the same (average, worse than average, or better than average) are ranked from highest score to lowest score received in the 2016 JD Power Property Claims Study.

Homeowners Insurance Claims Satisfaction:

1. Amica: Better than average

2. USAA: Better than average

3. COUNTRY: Better than average

4. Erie: Better than average

5. Encompass: Better than average

6. Auto Club of SC: Average

7. Safeco: Average

8. State Farm: Average

9. Liberty Mutual: Average

10. Nationwide: Average

11. CHUBB: Average

12. CSAA / AAA NCNU: Average

13. Farmers: Average

14. Allstate: Average

15. Metlife: Average

16. Travelers: Average

17. The Hartford: Average

18. The Hanover: Worse than Average

19. American Family: Worse than Average

20. Auto-Owners: Worse than Average

21. MAPFRE / Commerce: Worse than average

Auto Club: Worse than Average (Not included in the 2016 study)

7. Company Ratings for Homeowners Insurance Customer Satisfaction

See below for how major homeowners insurance companies rate nationally for homeowners insurance customer satisfaction, as surveyed by each company’s customers in the 2012, 2013, 2014 & 2015 JD Power Homeowners Insurance Customer Satisfaction Studies. I think its important to consider the last three years, because a company scoring well in only the latest year’s study is less likely to be performing well for homeowners insurance customer satisfaction now, compared to companies with a consistent history of above average scores in the homeowners insurance customer satisfaction study each year.

Companies rated better than average for homeowners insurance customer satisfaction scored about 1% or more better than the industry average each year in 2013, 2014, & 2015 studies. Companies rated worse than average for homeowners insurance customer satisfaction scored about 1% or more below the industry average in the majority of the 2013, 2014, & 2015 studies, or about 2% worse than the industry average in either of the two most recent years. or the third year, if the two most recent year scores are average or below average. All other companies are rated average for homeowners customer satisfaction. Companies rated the same (average, worse than average, or better than average) are ranked from highest score to lowest score received in the 2015 JD Power Homeowners Insurance Customer Satisfaction Study.

Homeowners Insurance Customer Satisfaction:

1. USAA: Better than average

2. Amica: Better than average

3. Auto-Owners: Better than average

4. Erie: Better than average

5. Auto Club of SC: Better than average

6. American Family: Better than average

7. Shelter: Better than average (based on 2015 results only, since Shelter was not rated in 2013 or 2014)

8. State Farm: Better than average

9. GEICO: Average

10. COUNTRY: Average

11. Nationwide: Average

12. Allstate: Average

13. CSAA / AAA NCNU: Average

14. The Hartford: Average

15. Cincinnati: Average

16. Mercury: Average

17. Encompass: Average

18. Chubb: Worse than average

19. Progressive: Worse than Average

20. Farmers: Worse than Average

21. Auto Club: Worse than Average

22. Metlife: Worse than Average

23. Kemper: Worse than average

24. Liberty Mutual: Worse than Average

25. Safeco: Worse than Average

26. Travelers: Worse than Average

27. The Hanover: Worse than Average

8. Company Ratings for Homeowners (including mobile home, condos, & tenants) Insurance Customer Complaints

To be rated better than average for homeowners insurance complaints, I consider a company’s number of annual homeowners insurance complaints filed with a state agency, as compiled by the National Association of Insurance Commissioners, to be less than 90% of the industry average, for its subsidiaries totaling the majority of its annual written US homeowners insurance premiums, over the last three years (2012 – 2014).

To be rated worse than average for homeowners insurance complaints, a company’s number of annual homeowners insurance complaints filed with a state agency, as compiled by the National Association of Insurance Commissioners, is more than 10% above the industry average, for a subsidiary, or a combination of subsidiaries, representing a significant amount of the total annual homeowners insurance written premium for all subsidiaries, in any year, over the last three years (2012 – 2014).

Other companies not meeting the above guidelines will usually be rated as average for homeowners insurance complaints. These are only guidelines, and not hard rules, for me to determine a fair assessment of an insurance company. These are only guidelines, and not hard rules, for me to determine a fair assessment of an insurance company’s auto insurance complaint record.

Most insurance companies have a few subsidiaries, and some have many subsidiaries, like Travelers & Progressive, selling the the same line of insurance, like homeowners insurance. A common reason for using separate subsidiaries is to sell coverage in a particular state or group of states. Sometimes a company has a better or worse claims operation in a certain state or region, so you want to check the complaint record of the subsidiary insuring you. I rate the homeowners insurance complaint record of the individual subsidiaries in each of my insurance company reviews, which are linked on my home page: smartshopyourcarinsurance.com.

The homeowners insurance companies rated below are listed alphabetically:

Alfa: Better than average (in the state of Alabama only)

Allstate: Average

American Family: Average

American National P & C (ANPAC): Worse than average

American Strategic Insurance (ASI/Progressive): Worse than average

Ameriprise: Average

Amica: Better than average

Auto-Owners: Worse than average

Auto Club Group: Worse than average

Auto Club of Southern California: Average

California State Auto Assoc. (CSAA / AAA NCNU): Average

Chubb: Better than average

Citizens: Better than average

Commerce: Better than average

COUNTRY: Better than average

Encompass: Better than average

Erie: Better than average

Farmers: Average

Foremost: Average

Grange Mutual Casualty Pool (not Grange Insurance Group/Grange Insurance Association): Better than average

Hanover: Worse than average

Hartford: Average

Homesite: Worse than average

Kemper Independence Insurance Company: Better than average

Liberty Mutual: Better than average (except the Liberty Mutual Insurance Company subsidiary, which is worse than average)

Main Street America (NGM, Austin Mutual Insurance Companies): Average

Mercury: Worse than average

Metlife: Better than average

Nationwide: Better than average (except Florida, which is worse than average)

New Jersey Manufacturers: Better than average

Safeco: Average

State Auto: Worse than average

State Farm: Better than average (except Florida, which is worse than average)

Travelers: Average

USAA: Better than average

It pays to shop. Many people pay too much for their insurance because they never shop for better rates, or if they do shop, they don’t check the rates of enough companies. No single company has low rates for everyone. You have to shop with all the leading companies, to find the company with the best coverage and best price for you. The ad below will take you to links to get online quotes from leading Home, Auto, Health, & Life insurance companies in your area. Choose the type of insurance, put in your zip, and start shopping now!

Thanks for reading this review of the major U.S. auto & homeowners insurance companies for pricing, claims, customer satisfaction, and customer complaints. You can find specific reviews for each insurance company on my website & blog. How did your insurance company rate? Did you find this review useful? Please like me on Facebook & share the link to this review or my site with your friends & family through social media. Bookmark this page for updates as new JD Power studies are published each year. I’m interested in your questions and opinions. Comment on my facebook page. Follow me on Twitter for important insurance consumer news & new blog entries at CarInsWatch.