Car Insurance Companies With the Worst Customer Satisfaction [2026]

10 worst car insurance companies

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Auto Insurance Companies with the Highest Customer Satisfaction

When evaluating car insurance options, it’s essential to consider the customer satisfaction ratings of insurance companies. Auto insurance companies with the highest customer satisfaction consistently deliver superior service, efficient claims processing, and competitive pricing. Customer satisfaction in the insurance industry is a key indicator of a company’s reliability and commitment to policyholders. Here are the top car insurance companies for customer service in the USA, known for their exceptional car insurance customer satisfaction:

1. Amica Mutual
2. USAA
3. State Farm

These insurance companies with high customer satisfaction excel in delivering top-notch service, ensuring a positive experience for their customers. Insurance companies ranked by customer satisfaction often excel in providing prompt and effective support to their policyholders, ensuring a positive overall experience. By choosing from the companies with the highest satisfaction ratings of insurance companies, you can ensure peace of mind and quality service.

The Impact of Customer Satisfaction on Auto Insurance

Customer satisfaction in auto insurance is a key indicator of how well insurance companies meet the needs and expectations of their policyholders. High levels of auto insurance customer satisfaction often reflect a company’s commitment to providing excellent service, efficient claims processing, and clear communication. This satisfaction is not only a measure of current performance but also a predictor of long-term customer loyalty and retention. Insurers that prioritize customer satisfaction are more likely to retain clients and receive positive referrals, enhancing their overall reputation in the industry.

The customer satisfaction auto insurance industry focuses on various factors, including the ease of filing claims, the responsiveness of customer service, and the transparency of policy terms. Companies with high customer satisfaction ratings typically excel in these areas, making the insurance experience more seamless and stress-free for their clients. Conversely, poor customer satisfaction can lead to a negative perception of the company and increased customer churn. Therefore, insurers should continually assess and improve their service quality to maintain high satisfaction levels.

Understanding the customer satisfaction of insurance companies helps both consumers and providers gauge the effectiveness of their services. For customers, high satisfaction ratings can be a reliable indicator of a trustworthy and efficient insurance provider. For insurance companies, achieving and maintaining high satisfaction scores requires ongoing efforts to address customer concerns, streamline processes, and enhance overall service quality. This focus on customer satisfaction not only benefits the policyholders but also supports the insurer’s long-term success and growth.

Understanding the 10 Worst Car Insurance Companies

When searching for car insurance, it’s crucial to be aware of the companies that consistently rank poorly in customer satisfaction and service quality. The 10 worst car insurance companies are often noted for their high volume of customer complaints, inefficient claims processes, and subpar customer service. These companies frequently receive negative feedback from policyholders, which can be attributed to issues such as delayed claims resolutions, unresponsive customer support, and opaque policy details. Understanding which companies are at the bottom of the rankings can help consumers avoid potential pitfalls and choose more reliable insurance providers.

The reputation of the worst car insurance companies is typically marked by a combination of poor ratings from industry surveys, high complaint rates, and frequent issues reported by customers. Factors such as inadequate coverage options, high premiums, and difficulties in resolving claims contribute to these negative rankings. For instance, companies with a high number of complaints often face criticism for their handling of claims or their lack of transparency regarding policy terms. By researching and considering these factors, consumers can make more informed decisions and avoid insurers that may lead to frustrating experiences.

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Car Insurance Companies with the Best Customer Satisfaction

Top Companies for Car Insurance with the Best Customer Satisfaction

When it comes to choosing auto insurance, customer satisfaction is a critical factor. Here are the top-rated companies known for their high car insurance customer satisfaction ratings:

1. Amica Mutual
   • Consistently rated for high auto insurance satisfaction ratings.
   • Known for excellent claims handling and customer service.
2. USAA
   • Highly recommended by military families.
   • Offers exceptional car insurance with the best customer service.
3. State Farm
   • Reliable and widely available.
   • Offers car insurance with good customer service and high satisfaction ratings.

Benefits of Choosing Car Insurance with the Highest Customer Satisfaction

Opting for a car insurance company with high customer satisfaction can offer several advantages:

• Superior Customer Service: Car insurance with good customer service ensures that any issues or questions are addressed promptly.
• Peace of Mind: Knowing that you are insured by a company with top car insurance customer satisfaction ratings provides confidence and security.

Factors Contributing to Car Insurance Satisfaction Ratings

Customer satisfaction with auto insurance is influenced by several factors:

1. Claims Handling: Efficient and fair processing of claims significantly impacts car insurance satisfaction ratings.
2. Customer Service: Friendly and responsive service is crucial for car insurance with the highest customer satisfaction.
3. Policy Options: Flexible and comprehensive coverage options contribute to higher auto insurance satisfaction ratings.
4. Pricing: Competitive and transparent pricing is essential for car and auto insurance with the best customer service.

Companies with the Worst Customer Service

While some companies excel in customer satisfaction, others struggle. It’s important to be aware of the companies with the worst customer service:

• Farmers Insurance: Frequently reported issues with claims handling and customer service.
• 21st Century: Numerous complaints regarding abrupt policy changes and poor customer service.
• Commerce: Known for having issues related to customer service and product offerings.

Choosing a company with a strong reputation for customer satisfaction can make a significant difference in your overall insurance experience. Always consider car insurance customer satisfaction ratings when making your decision.

Every year, J.D. Power and Associates publishes rankings of car insurance companies based on customer satisfaction.

They call customers in the most comprehensive survey possible, then release the results in star ratings every year with the rankings based on five metrics:

• Pricing
• Types of coverage available
• Billing
• Being reachable
• Overall satisfaction

The best car insurance company is (drumroll please) … Amica Mutual. But what insurance company has the most customer complaints?

We started by taking the bottom seven insurance companies from the J.D. Power survey, then looked at three other customer satisfaction metrics:

• Complaints officially filed with the Better Business Bureau
• Consumer posts put up on Complaints.com
• Consumer posts on P***edConsumer.com

A short reminder: Complaints.com and P***edConsumer.com are anonymous sites, so sometimes their complaints and customer reviews may not reflect the full reality of the situation.

So, to be fair, we weighed J.D. Power’s rankings and the Better Business Bureau at four times the significance of the anonymous sites.

If you’re looking to see how these companies compare or find better options for your auto insurance policy, simply enter your ZIP code above. Get started today and compare insurance quotes from auto insurance providers near you.

The List, from “ Worst” to “the Worst of the Worst”

# 7 – GMAC

J.D. Power: 2.5 overall rating (out of 5)
BBB: 0 complaints
Complaints.com: 6 complaints
P***edConsumer.com: 2 complaints

There’s one thing we should be clear about: GMAC has a lot of businesses, and they have a lot of angry customers, thanks to the real estate bubble popping over the last three years.

So you have to sort the homeowners insurance complaints from the auto insurance complaints when doing your insurance review research.

Still, GMAC has a clean bill of health on its BBB business profile, with no complaints, although they did come in second on Complaints.com with six, mostly about, not surprisingly, customer service.

On P***edConsumer, though, there were only two complaints about their auto division amid many more about the mortgage arm of its homeowners insurance policies.

So, as long as you don’t buy a house through them, GMAC isn’t all that bad.

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# 6 – Mercury

J.D. Power: 2 overall rating (out of 5)
BBB: 0 complaints
Complaints.com: 7 complaints
P***edConsumer.com: 2 complaints

Mercury is another company that the Better Business Bureau likes, with no complaints on record. Then again, they have seven complaints on Complaints.com, all of which give them scathing reviews on customer service.

But there are only two on P***edConsumer.com, so maybe they’re not doing that badly.

# 5 – Encompass

J.D. Power: 2 overall rating (out of 5)
BBB: 0 complaints
Complaints.com: 2 complaints
P***edConsumer.com: 23 complaints

Encompass does great with the Better Business Bureau: they have no complaints for the last three years, and they even get an A+ rating.

Then again, the complaint against them on Complaints.com featured no less than two people looking for lawyers to handle their insurance claims and possibly take Encompass to court.

And P***edConsumer.com brings us what seems to be the biggest problem; if you’re on their insurance, you may be OK, but get hit by one of their drivers, and you’re in for a long, agonizing process of getting your claim processed.

Read more: Encompass Car Insurance Discounts

# 4 – Commerce

J.D. Power: 2 overall rating (out of 5)
BBB: 24 complaints
Complaints.com: 0 complaints
P***edConsumer.com: 11 complaints

Commerce got the overall worst rating from J.D. Power, but comparatively, they’re actually not that bad. Commerce only has 24 complaints from the Better Business Bureau, mostly about their product offerings, and only eight of those are from the last year.

Complaints.com turns up no angry customers, but P***edConsumer.com brings them in at the high end.  Not surprisingly, the comments seem to be almost exclusively about how terrible their customer service is.

The word “rude” comes up a lot. It seems this ranking might just be well-earned.

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# 3 – The Hanover

J.D. Power: 2 overall rating (out of 5)
BBB: 28 complaints
Complaints.com: 0 complaints
P***edConsumer.com: 0 complaints

The Hanover ranked near the bottom with these six, but somebody must have had it out for them: they had 28 complaints at the Better Business Bureau.

Although they didn’t even come up at Complaints.com or P***edConsumer.com. Furthermore, every single one of those BBB complaints was closed.

So, they may not be the absolute best, but apparently, the Hanover is working hard to fix their problems. Still, that’s enough to get them a ranking of…ouch…third.

# 2 – 21st Century

J.D. Power: 2 overall rating (out of 5)
BBB: 344 complaints
Complaints.com: 4 complaints
P***edConsumer.com: 1 complaint

21st Century was our second worst company when it came to the Better Business Bureau, and they were almost evenly split between collection issues and product issues.

They also ranked the highest on Complaints.com with four complaints, ranging from abrupt cancellations to surprise price increases and not listening to their customers.

But at least at P***edConsumer.com, they only have one complaint. Then again, that complaint is about their policy more than doubling in price, so maybe that’s not such a good thing.

# 1 – Farmers Insurance

J.D. Power: 2 overall rating (out of 5)
BBB: 501 complaints
Complaints.com: 1 complaint
P***edConsumer.com: 7 complaints

When it comes to consumer complaints, Farmers Auto Insurance fared the worst with the BBB rating & accreditation: 501 complaints and the nature of complaints by nearly 300 reviewers were with the products themselves.

They fared a lot better on Complaints.com; the one complaint was about a minor billing issue and it dated back to 2006.

They only had seven complaints on P***edConsumer but those complaints range from being charged 20 percent for an accident when the customer wasn’t at fault to agents getting the policy completely wrong and ruining a young man’s insurance premium.

So if you’ve got Farmers, keep your eye on them.

We’ve got all the insurers in one place, so you can measure their auto policy costs and coverage options against your benefits. Keep these customer satisfaction ratings in mind as you evaluate competitive rates and look for a new insurance provider.

Read More: Traits of the Worst Car Insurance Companies

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Evaluating State Farm: Customer Satisfaction, Claims, and Reviews

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