When shopping for insurance, many drivers care about more than just cost. If you have a claim, you want it to be quickly paid so you can get back on the road with minimal hassle. Our ratings tables evaluate insurers for claims-handling service. We found that some low-priced companies also rate fairly high for service quality.

Ratings from Policyholders

We asked consumers who had recently made auto insurance claims to rate their companies “inferior,” “adequate,” or “superior” on several elements of service. Our ratings tables show  what percentage of policyholders rated each company “superior” on each survey question. Click here for a further description of our policyholder survey and other research methods and how to interpret them.

As you can see, our ratings tables reveal big differences in how customers rated companies.

For our survey question “overall claims-handling quality,” for example, scores range from 79 percent or higher for Amica, Chubb, Electric, and USAA to 60 percent or less for Esurance, Farmers, Hanover, Liberty, Plymouth Rock, Progressive, Quincy Mutual, Safety, and Vermont Mutual.

Feedback from Auto Body Shops

We also asked auto body shops to rate the insurers “poor,” “fair,” “good,” “very good,” or “excellent” on “treating their customers (car owners) fairly.” Our ratings tables show the percent of surveyed shops that rated each company “good,” “very good,” or “excellent,” and the number of ratings each company received.

Surveyed shops gave highest marks to Amica, Arbella, Chubb, Norfolk & Dedham, Plymouth Rock, Quincy Mutual, and Safety. Shops rated Allstate, Esurance, GEICO, Liberty, Progressive, State Farm, and Vermont Mutual lowest.

Complaint Histories

Another way to assess quality is to look at the number of complaints filed against each company with state regulators. While policyholders might rate a company less than “superior” if its deficiencies are minor, filing a formal complaint with a government regulatory agency presumably reflects serious dissatisfaction.

Our ratings tables report counts of private passenger auto insurance complaints filed with the Massachusetts Division of Insurance during a recent three-year period. It also reports a “complaint rate,” which takes into account the fact that companies that do much more business than others are likely to incur more complaints. It is calculated as the number of complaints per $10 million in private passenger auto insurance premiums written.