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.
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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.
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