The worst auto insurance companies
Ranked on complaint index: confirmed complaints measured against how much business each company writes, so a giant carrier and a small one can be compared on the same footing. A company at 3.00 draws three times the complaints its market share predicts.
This is a service record, not a price comparison, and not a prediction about any one claim. How we grade →
| # | Company | Grade | Complaint index | Complaints | Business written |
|---|---|---|---|---|---|
| 1 | Tesla Property & Casualty, Inc. | F |
14.85
14.9× the market rate
raw 27.13
|
306 | 82,953 |
| 2 | Loya Insurance Company | F |
5.94
5.9× the market rate
raw 7.00
|
326 | 342,820 |
| 3 | National General | F |
2.54
2.5× the market rate
raw 3.44
|
59 | — |
| 4 | Old American County Mutual Fire Insurance Company | F |
2.36
2.4× the market rate
raw 2.52
|
205 | 597,955 |
| 5 | Infinity County Mutual Insurance Company | F |
2.32
2.3× the market rate
raw 3.07
|
54 | 129,445 |
| 6 | Goauto Insurance Company | F |
2.32
2.3× the market rate
raw 3.19
|
48 | 110,626 |
| 7 | Home State County Mutual Insurance Company | F |
1.84
1.8× the market rate
raw 1.93
|
187 | 714,671 |
| 8 | Garrison Property And Casualty Insurance Company | F |
1.80
1.8× the market rate
raw 1.94
|
108 | — |
| 9 | Lm General Insurance Company | D |
1.68
1.7× the market rate
raw 1.85
|
76 | $1.33bn |
| 10 | USAA | D |
1.64
1.6× the market rate
|
362 | — |
| 11 | Gainsco | D |
1.50
1.5× the market rate
raw 1.99
|
20 | 73,890 |
| 12 | American States Insurance Company | D |
1.48
1.5× the market rate
raw 1.85
|
24 | $418.3m |
| 13 | Redpoint County Mutual Insurance Company | D |
1.40
1.4× the market rate
|
269 | 1,397,117 |
| 14 | Liberty Mutual | D |
1.39
1.4× the market rate
raw 1.44
|
115 | — |
| 15 | Auto Club County Mutual Insurance Company | D |
1.34
1.3× the market rate
raw 1.39
|
90 | 477,081 |
| 16 | Falcon Insurance Company | D |
1.32
1.3× the market rate
raw 1.56
|
21 | 98,924 |
| 17 | Texas Farm Bureau Mutual Insurance Company | C |
1.24
1.2× the market rate
raw 1.35
|
32 | 175,040 |
| 18 | American Access Casualty Company | C |
1.21
1.2× the market rate
raw 1.35
|
20 | 108,695 |
| 19 | Farmers Property And Casualty Insurance Company | C |
1.16
1.2× the market rate
raw 1.27
|
17 | — |
| 20 | Erie Insurance | C |
1.03
about market average
|
13 | $400.5m |
| 21 | Travelers | C |
0.97
about market average
|
51 | — |
| 22 | Allstate | C |
0.94
6% below market
|
350 | — |
| 23 | Chubb | C |
0.91
9% below market
raw 0.84
|
11 | — |
| 24 | Alinsco Insurance Company | C |
0.90
10% below market
raw 0.82
|
11 | 98,766 |
| 25 | Amica | B |
0.89
11% below market
raw 0.83
|
15 | — |
| 26 | American Family | B |
0.88
13% below market
raw 0.78
|
10 | — |
| 27 | Mercury Insurance | B |
0.79
21% below market
raw 0.63
|
9 | — |
| 28 | Farmers | B |
0.77
23% below market
|
137 | — |
| 29 | The Hartford | B |
0.75
25% below market
raw 0.65
|
16 | — |
| 30 | Consumers County Mutual Insurance Company | B |
0.74
26% below market
|
36 | 385,522 |
| 31 | Progressive | B |
0.71
30% below market
|
682 | — |
| 32 | Dairyland | B |
0.68
32% below market
raw 0.53
|
11 | 153,725 |
| 33 | Nationwide | A |
0.56
44% below market
raw 0.35
|
7 | — |
| 34 | Texas Farm Bureau Casualty Insurance Company | A |
0.55
45% below market
raw 0.26
|
4 | 112,502 |
| 35 | GEICO | A |
0.51
49% below market
|
325 | — |
| 36 | State Farm | A |
0.47
53% below market
|
605 | — |
| 37 | Germania Select Insurance Company | A |
0.45
55% below market
raw 0.12
|
2 | 122,938 |
| 38 | Texas Farm Bureau Underwriters | A |
0.42
58% below market
raw 0.31
|
16 | 378,306 |
| 39 | New York Central Mutual Fire Insurance Company | A |
0.38
62% below market
raw 0.17
|
5 | $954.9m |
| 40 | Essentia Insurance Company | A |
0.36
64% below market
raw 0.14
|
4 | — |
Grades come from the distribution of the 40 companies large enough to grade this period: A at or below 0.66, F above 1.71.