What is the most responsive auto insurance company to customers?
The most responsive auto insurance company can be found through customer satisfaction ratings. Responsive auto insurance companies are judged by J.D. Power, A.M. Best, and Consumer Reports, guiding customers to the highest-rated auto insurance companies and helping you avoid the worst auto insurance companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 13, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- When shopping or looking to change insurers, customers can benefit from checking the different company rankings and customer satisfaction ratings.
- Customer complaint reports are another area where customers can get information on how responsive a company is to its customers’ needs.
- Also known as the customer complaint ratio, a company’s complaint score is listed as a ratio made of the number of complaints filed for every 1,000 claim filings.
- Equally important is a company’s financial stability in its ability to pay out of claim filed.
You want the most responsive auto insurance company because you pay your bill, and you expect to get what you pay for.
The best auto insurance companies offer quick responsiveness can mean the difference between a good outcome and a bad outcome.
For this article, we’re going to cover what is the most responsive auto insurance company.
To compare rates and find the most responsive car insurance company, start by entering your ZIP code in our FREE auto insurance comparison tool above.
What is the most responsive auto insurance company to customers?
The best way we can determine the most responsive auto insurance company is by looking at which companies respond best to consumer claims.
According to J.D. Power 2019 Auto Claims Satisfaction Study, the top three picks for the most responsive company and customer satisfaction are Geico, Progressive, and Allstate.
These companies kept their customers satisfied with auto claims in 2019.
Watch this video on what credit rating and financial rating agencies do.
A.M. Best has a different outlook. Let’s examine this list to determine each companies financial rating.
Top 10 Car Insurance Companies by Market Share
| COMPANIES | A.M. BEST RATING | DIRECT PREMIUMS WRITTEN | MARKET SHARE | LOSS RATIO |
|---|---|---|---|---|
| State Farm | A++ (Superior) | $41.9 billion | 17.01% | 63% |
| Geico | A++ (Superior) | $33.1 billion | 13.41% | 71% |
| Progressive | A+ (Superior) | $27.1 billion | 10.97% | 62% |
| Allstate | A+ (Superior) | $22.7 billion | 9.19% | 56% |
| USAA (Military Personnel & Family Members) | A++ (Superior) | $14.5 billion | 5.87% | 77% |
| Liberty Mutual | A (Excellent) | $11.8 billion | 4.77% | 62% |
| Farmers | A (Excellent) | $10.5 billion | 4.26% | 61% |
| Nationwide | A+ (Superior) | $6.7 billion | 2.73% | 58% |
| American Family | A (Excellent) | $4.7 billion | 1.90% | 69% |
| Travelers | A++ (Superior) | $4.7 billion | 1.90% | 60% |
The financial rating reveals more than how well a company is doing. The A.M. Best grades show how companies meet obligations to customers.
So far, the top auto insurance companies have a stable outlook and superior ability to meet obligations to their customers.
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Auto Insurance Customer Satisfaction Ratings
With so many auto insurance companies in the marketplace , sorting through each company’s profile would take an unreasonable amount of time for the average consumer.
When shopping or looking to change insurers, customers can benefit from checking the different company rankings and customer satisfaction auto insurance ratings available online.
When assessing a company’s responsiveness to customer concerns, any number of areas can qualify as a customer concern. Some of the more common areas include:
- Coverage rates
- Coverage options
- Customer service
Fortunately, the rating and auto insurance company rankings show company results and assign individual ratings. The individual scores are used to rank each company in comparison with its competitors.
Some rating sources assign letter grades that indicate a company’s overall status. Letter designations may be listed as:
- A+ = Superior
- B = Fair
- C = Weak
- S = Suspension or Rating Suspended
While ranking sources may include other characteristics of a company besides responsiveness to customers, company scores provide an overall quality rating for each particular company.
Auto Insurance Customer Complaint Reports
Customer complaint reports are another area where customers can get information on how responsive a company is to the needs of its customers.
As each state within the U.S. has its laws regulating auto insurance practices, each state also has a State Department of Insurance.
The State Department of Insurance monitors insurance practices within its state borders and keeps track of company performance ratings.
The State Departments of Insurance tracks customer satisfaction ratings for different companies. These reports also track the number of customer complaints each company receives within any given year.
Also known as the customer complaint ratio, a company’s complaint score is listed as a ratio made of the number of complaints filed for every 1,000 claim filings.
Knowing a company’s complaint ratio can go a long way towards determining its customer responsiveness practices.
State Departments of Insurance also keep track of company performance ratings that allow customers to make company comparisons when shopping for auto insurance coverage.
Performance ratings are based on a company’s overall profile characteristics, such as:
- Financial stability
- Number of claims filed
- Subsidiaries and affiliated companies
- Number of customers
Performance ratings can provide customers with additional information regarding a company’s position and strength in the marketplace.
Auto Insurance Survey-Based Rankings
Survey-based rankings provide another method for customers to find the most responsive auto insurers in their areas. Survey-based rankings are generated by companies that specialize in tracking customer satisfaction ratings across different industries.
J. D. Power and Associates provide survey-based information on different auto insurers within the United States.
You are finding surveys completed by customers who’ve had direct experience with different companies that can help you know if a company is personal.
J. D. Power and Associates focus on gathering information regarding customer satisfaction trends with different insurers.
The criteria used to determine customer satisfaction includes all of the areas that a particular company performs in, such as:
- Customer service
- Claims payments
- Claim filings
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Other Auto Insurance Company Considerations
A company’s responsiveness to its customers’ needs carries a lot of weight when comparing auto insurance company providers. Equally important is a company’s financial stability in terms of its ability to pay out of claim filed.
When it comes time to pay on a claim, a non-responsive auto insurer can become a customer’s worse nightmare. Paying attention to rating information regarding a company’s financial status can help consumers avoid doing business with companies on the brink of financial ruin.
The company performance ratings kept up-to-date by State Departments of Insurance lists information on claim filings, affiliate companies, and the number of customers each auto insurer has.
A company that files an unusually large number of claims within a given period may run into financial problems down the line .
Auto insurers with strong affiliate or subsidiary ties are more likely to have the financial resources needed to survive high claims filing period.
Insurance companies with large customer bases are also better able to cover claims filings as large customer bases enable companies to spread or share their customers’ risk.
As a general rule, customers would do well to regularly review auto insurance company ratings to ensure their company maintains good customer satisfaction ratings and a strong financial profile.
As the auto insurance marketplace can experience change regularly, checking company rankings every six months can help customers stay up-to-date on their insurance company’s performance in the marketplace.
The Responsive Auto Insurance Company
There’s a company called The Responsive Auto Insurance Company. Response Auto Insurance is a different company, but it’s a subsidiary of Unitrin.
It’s an extension of Responsive Holdings LLC. It has auto insurance companies appointing in Florida and carries two stars on Google Reviews.
The Responsive Auto Insurance customer login is found on their website known as Sr.Responsive Auto. They’ll be able to access the Responsive Auto Insurance bill pay.
Customers can also reach Responsive Auto Insurance claims phone number by calling 1-866-300-0080.
It bears the name “responsive”, but is it really? Read this Responsive Auto Insurance review for more information.
If you want to check rates in your local area, use our FREE auto insurance quote tool to see the latest rates and find a truly responsive auto insurance company.
Frequently Asked Questions
Can I contact an auto insurance company directly to inquire about their responsiveness?
Yes, you can contact the company’s customer service department for information or to address any concerns.
How often should I review my auto insurance company’s ratings and performance?
Review ratings and performance at least once a year, and consider updates every six months.
Can I switch auto insurance companies if I am unhappy with the responsiveness of my current insurer?
Yes, you can switch insurers if you’re unsatisfied. Research and compare companies to find a more responsive one.
How does an insurance company’s financial stability affect its responsiveness?
Financial stability ensures the company can meet its obligations, including timely claim payments.
Are customer complaint reports reliable in evaluating an insurance company’s responsiveness?
Customer complaint reports provide insights but should be considered along with other factors.
How can I find customer satisfaction ratings for auto insurance companies?
Refer to reputable sources like J.D. Power, A.M. Best, and Consumer Reports for customer satisfaction ratings.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.