The best and worst auto insurers in New York
Ranked by complaint index — confirmed complaints measured against premium written, so size is taken out of the answer. 1.00 is the New York market average. Above it means more complaints than the company's share of business would predict.
In this market an A required an index at or below 0.69, and an F means above 1.60. Cuts come from the 13 companies large enough to grade this period, not from numbers we picked.
Worst auto insurers in New York
| # | Company | Grade | Complaint index | Complaints | Business written |
|---|---|---|---|---|---|
| 1 | National General | F |
2.65
2.7× the market rate
raw 3.95
|
50 | $407.7m |
| 2 | USAA | F |
2.12
2.1× the market rate
raw 2.56
|
65 | $818.8m |
| 3 | Lm General Insurance Company | F |
1.68
1.7× the market rate
raw 1.85
|
76 | $1.33bn |
| 4 | American States Insurance Company | D |
1.48
1.5× the market rate
raw 1.85
|
24 | $418.3m |
| 5 | Allstate | D |
1.11
1.1× the market rate
|
152 | $4.39bn |
| 6 | Erie Insurance | C |
1.03
about market average
|
13 | $400.5m |
| 7 | Travelers | C |
1.01
about market average
|
47 | $1.50bn |
| 8 | State Farm | C |
0.96
about market average
|
165 | $5.53bn |
| 9 | Progressive | B |
0.93
7% below market
|
109 | $3.81bn |
| 10 | The Hartford | B |
0.91
9% below market
raw 0.82
|
9 | $354.5m |
| 11 | Nationwide | A |
0.55
45% below market
raw 0.26
|
4 | $493.1m |
| 12 | New York Central Mutual Fire Insurance Company | A |
0.38
62% below market
raw 0.17
|
5 | $954.9m |
| 13 | GEICO | A |
0.33
67% below market
|
95 | $9.97bn |
Best auto insurers in New York
A low complaint index says these companies are complained about less than their size predicts. It is a service signal, not a price one — and it does not promise any particular claim will be paid.
| # | Company | Grade | Complaint index | Complaints | Business written |
|---|---|---|---|---|---|
| 1 | GEICO | A |
0.33
67% below market
|
95 | $9.97bn |
| 2 | New York Central Mutual Fire Insurance Company | A |
0.38
62% below market
raw 0.17
|
5 | $954.9m |
| 3 | Nationwide | A |
0.55
45% below market
raw 0.26
|
4 | $493.1m |
| 4 | The Hartford | B |
0.91
9% below market
raw 0.82
|
9 | $354.5m |
| 5 | Progressive | B |
0.93
7% below market
|
109 | $3.81bn |
| 6 | State Farm | C |
0.96
about market average
|
165 | $5.53bn |
| 7 | Travelers | C |
1.01
about market average
|
47 | $1.50bn |
| 8 | Erie Insurance | C |
1.03
about market average
|
13 | $400.5m |
| 9 | Allstate | D |
1.11
1.1× the market rate
|
152 | $4.39bn |
| 10 | American States Insurance Company | D |
1.48
1.5× the market rate
raw 1.85
|
24 | $418.3m |
| 11 | Lm General Insurance Company | F |
1.68
1.7× the market rate
raw 1.85
|
76 | $1.33bn |
| 12 | USAA | F |
2.12
2.1× the market rate
raw 2.56
|
65 | $818.8m |
| 13 | National General | F |
2.65
2.7× the market rate
raw 3.95
|
50 | $407.7m |
Every graded auto company in New York
| A | GEICO | 0.33 | 95 | $9.97bn |
| A | New York Central Mutual Fire Insurance Company | 0.38 | 5 | $954.9m |
| A | Nationwide | 0.55 | 4 | $493.1m |
| B | The Hartford | 0.91 | 9 | $354.5m |
| B | Progressive | 0.93 | 109 | $3.81bn |
| C | State Farm | 0.96 | 165 | $5.53bn |
| C | Travelers | 1.01 | 47 | $1.50bn |
| C | Erie Insurance | 1.03 | 13 | $400.5m |
| D | Allstate | 1.11 | 152 | $4.39bn |
| D | American States Insurance Company | 1.48 | 24 | $418.3m |
| F | Lm General Insurance Company | 1.68 | 76 | $1.33bn |
| F | USAA | 2.12 | 65 | $818.8m |
| F | National General | 2.65 | 50 | $407.7m |
Where these figures come from
- New York State Department of Financial Services — Automobile Insurance Company Complaint Rankings (2009–2024) · retrieved 27 Aug 2026
Figures cover 2023–2025. Grades are rebuilt when regulators publish new files.