What is the NAIC complaint index?

A ratio of consumer complaints relative to market share. A score of 1.0 is the national median. Below 1.0 means fewer complaints than expected (good); above 1.0 means more complaints (caution).

Which car insurance company has the fewest complaints?

State Farm (0.49) and USAA (0.62) have the lowest NAIC complaint indexes among major national carriers in 2026. Erie Insurance is even lower in the 12 states where it operates.

Does a higher J.D. Power score mean my claim will be paid faster?

Generally yes — claims satisfaction scores correlate strongly with time-to-payment and ease of resolution. The top-scoring carriers also tend to have higher repair-network density and stronger total-loss settlement processes.

Should I switch carriers just because mine has a bad review?

Not on the review alone — but combined with a routine renewal price check, a poor claims rating is a good reason to comparison-shop. The cost of switching is zero; the cost of a bad claims experience is real.

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Car insurance company reviews

Independent reviews of the major carriers — financial strength, claims satisfaction, complaint ratios, and what each does best.

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Geico

A.M. Best

A++

J.D. Power Claims

878 / 1000

NAIC complaint

0.84 (below average — good)

Pros

✓Consistently low rates
✓Top mobile app
✓Easy online quoting

Cons

⚠Limited local agent presence
⚠Below-average rideshare coverage in some states

Verdict: Best default for budget-conscious, clean-record drivers who prefer self-service.

State Farm

A.M. Best

A++

J.D. Power Claims

892 / 1000

NAIC complaint

0.49 (well below average — excellent)

Pros

✓Largest U.S. agent network
✓Strong bundle discount
✓Excellent in-person claims

Cons

⚠Not always the cheapest standalone auto
⚠Limited online-only options

Verdict: Top choice for households that bundle home + auto and value a local agent.

Progressive

A.M. Best

A+

J.D. Power Claims

871 / 1000

NAIC complaint

1.12 (slightly above average)

Pros

✓Flexible underwriting for non-standard drivers
✓Snapshot saves up to 30%
✓Name Your Price tool

Cons

⚠Higher initial quotes for some clean drivers
⚠Renewal increases common after first year

Verdict: Best for non-standard or higher-risk drivers — Snapshot can dramatically lower rates over time.

Allstate

A.M. Best

A+

J.D. Power Claims

882 / 1000

NAIC complaint

0.91 (about average)

Pros

✓Up to 25% bundle discount
✓Drivewise telematics
✓Combined deductible on shared claims

Cons

⚠Higher average premiums
⚠Mixed satisfaction in non-bundle households

Verdict: Strongest pick when bundling home + auto — bundle discounts often offset higher base rate.

USAA

A.M. Best

A++

J.D. Power Claims

909 / 1000

NAIC complaint

0.62 (below average — good)

Pros

✓Lowest rates in segment
✓Highest claims satisfaction
✓Excellent military-specific benefits

Cons

⚠Limited to military families

Verdict: If you qualify, get a quote — USAA almost always wins on rate AND service.

Liberty Mutual

A.M. Best

J.D. Power Claims

868 / 1000

NAIC complaint

1.31 (above average)

Pros

✓RightTrack telematics
✓Single deductible on shared events
✓Wide discount menu

Cons

⚠Below-average customer satisfaction
⚠Renewal increases common

Verdict: Works if you maximize discount stacking — otherwise comparison-shop annually.

Travelers

A.M. Best

A++

J.D. Power Claims

877 / 1000

NAIC complaint

0.74 (below average — good)

Pros

✓IntelliDrive telematics
✓Solid bundle discount
✓Green-home credits

Cons

⚠Smaller agent network than competitors
⚠Higher rates in coastal states

Verdict: Solid mid-tier carrier — particularly strong for tech-friendly homeowners.

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Frequently asked questions

We synthesize four data sources: A.M. Best financial-strength ratings (can they pay claims?), J.D. Power claims and customer satisfaction studies (do customers like the experience?), the NAIC complaint index (how often customers complain relative to market share?), and benchmark rate data across 30 driver profiles.

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