Every year, more and more car insurance providers enter the market. As of this year, there are nearly 6,000 auto insurance carriers in the United States. As more insurance carriers enter the market, competition becomes more fierce. As a result, car insurance companies try to entice prospective customers with lower rates and payments based on good driving behavior and other factors.
In actuality, insurers judge you less on your driving habits and more so on socioeconomic factors, such as your credit history and even your television provider. These increasingly complicated pricing mechanisms have resulted in a lack of transparency, which means that the deep discounts they offer come at the expense of getting the coverage you really need when a serious car accident occurs. Many of these insurance companies can act in bad faith on your behalf, causing you to have to sue your auto insurance company…which is a much larger headache than the accident itseld.
With so many auto insurance options available, picking a carrier that will provide you with the best coverage can be overwhelming.
Why It’s Important To Compare Car Insurance Providers
Everyone who drives is legally required to have auto insurance (unless they live in New Hampshire). What carrier you choose to insure your vehicle can become critical when you’re involved in a significant automobile accident. Medical bills, rehabilitation costs, and lost wages are not uncommon in motor vehicle accidents, to the tune of hundreds of thousands of dollars. Ultimately, your insurance company should be responsible for those payments so that you won’t have to pay them out of pocket.
As New Jersey personal injury attorneys, we’ve dealt firsthand with the shady practices and low-balling tactics that insurance companies engage in almost every time we represent clients for car accidents or rollovers. In other words, they all try to avoid offering their customers the compensation they deserve.
When you’re recovering from a life-threatening car accident, the last thing you want to do is fight your insurance company to pay you the money you deserve. So, shopping around for an insurance provider is essential if you want the best coverage for the least amount of money.
At The Law Offices of Richard J. Hollawell & Associates, our PA car accident attorneys and personal injury experts have compiled information from two nationally recognized consumer advocate organizations that can help you to narrow down prospective choices for your auto insurance carrier.
Worst Car Insurance Companies According to Consumer Reports
Consumer Reports is a nonprofit organization that advocates for consumers and conducts research into products and companies. They interview consumers about the level of satisfaction they have with premiums, claims, service, and policy review with their car insurance. Then they compile a comprehensive list of companies across the country, with individual ratings for each metric.
Here are the 3 worst car insurance companies in 2023 in the USA according to Consumer Reports:
- Liberty Mutual Insurance Companies
- Kemper PC Companies
- Allstate Insurance Group
- Hartford Insurance Group
- Auto Club Group Auto Insurance (AAA)
- Travelers Group Auto Insurance
- Govornment Employees Insurance Company (GEICO)
- Mercury General Insurance
- Nationwide Insurance Company
- Farmers Insurance Company
- Progressive Insurance Company
J.D. Power’s Worst Car Insurance Companies
We also consulted J.D. Power’s 2022 U.S. Auto-Insurance Study to compile a more thorough consumer guide.
J.D. Power is a marketing research company that surveys customer satisfaction and product quality. Now in its 23rd year conducting the J.D. Power Auto-Insurance Study, which is the go-to for measuring customer satisfaction among auto insurance companies. J.D. Power uses five factors to measure customer satisfaction, including the billing process, policy information, interaction, policy offerings, price, and claims.
- Travelers and Geico: tied to receive the lowest rating for satisfaction, receiving 853 points out of a possible 1000
- Allstate: received the second lowest rating, just one point ahead of the two worst, scoring 854 points out of 1000
- Nationwide: came in with the third lowest rating, scoring 858 out of 1000
- Progressive: was the fourth on the list, scoring 859 out of 1000
- Liberty Mutual: was ranked the fifth lowest, receiving 860 points out of 1000
J.D. Power ranked Eire Insurance the highest on their list for the Mid-Atlantic region, which includes Philadelphia and NJ. The auto insurance provider scored 867 points out of 1000.
Consumer Reports lists State Farm as their highest-rated auto insurance provider nationally.
Factors to Consider When Choosing a Car Insurance Provider
Price isn’t the only factor you should consider when choosing auto insurance. Communication, customer satisfaction, the company’s reputation, and coverage limits are all important things to consider when making your choice.
The bottom line is that, unfortunately, insurance companies are businesses and will always put their profits above your needs as a customer. So if you have been involved in a serious auto accident, you want someone in your corner who will prioritize your recovery and best interests. You want someone on your side who knows how to take the insurance companies head-on.
Richard Hollawell is an experienced New Jersey Car Accident attorney. But, more importantly, he worked as an insurance adjuster for years, so he knows firsthand the games that insurance companies are willing to play to maximize their profit margins.
As an insider, Richard knows all the tricks insurance adjusters use to prevent you from getting the compensation you deserve. He and his experienced team of NJ personal injury attorneys will fight to get you the compensation you need to recover from your accident.
To receive your free consultation, call our office today at 1-800-681-3550 or use the contact form here.
Interested in How These Insurance Companies Performed in Previous Years?
Check out the results from 2019 through 2021 below! We’ve kept these listings live so visitors can better understand trends over more extended periods.
Consumer Reports Worst Car Insurance Companies 2021
Here are the worst car insurance companies in the nation according to Consumer Reports, with number 1 being the worst:
- Liberty Mutual Insurance Companies
- Kemper PC Companies
- Esurance Property and Casualty Insurance Company
- Nationwide Group
- Metlife Auto & Home Group
- Horace Mann Insurance Group
- Allstate Insurance Group
- National General Companies
- Farmers Insurance Group
- MAPFRE North America
J.D. Power’s Worst Car Insurance Companies 2021
- Nationwide: received the lowest rating for satisfaction, receiving 846 points out of a possible 1000
- Progressive: received the second lowest rating, scoring 856 out of 1000
- Travelers: received the third lowest rating, with only 860 out of 1000
- Farmers: was the fourth on the list, scoring 868 out of 1000
- Geico: was ranked the fifth lowest, receiving 869 points out of 1000
Consumer Reports Worst Car Insurance Companies 2020
Here are the worst car insurance companies in the nation in 2020, according to Consumer Reports, with number 1 being the worst:
- Esurance Property and Casualty Insurance Company
- Nationwide Group
- Liberty Mutual Insurance Companies
- Allstate Insurance Group
- Kemper PC Companies
- Metlife Auto & Home Group
- Farmers Insurance Group
- Horace Mann Insurance Group
- Hanover Insurance Group Property & Casualty Companies
- National General Companies
J.D. Power’s Worst Car Insurance Companies 2020
J.D. Power conducts its auto insurance survey by region, so we’ve also included a detailed look at the Mid-Atlantic region, including Pennsylvania and New Jersey. This first list shows their findings for the worst insurance company in each region, showing their score on a scale of 1000:
- California – Kemper, 784
- Central – Safeco, 812
- Florida – Safeco, 780
- Mid-Atlantic – Allstate, 812
- New England – MAPFRE, 786
- New York – Progressive, 825
- North Central – Michigan Farm Bureau, 800
- Northwest – American Family, 785
- Southeast – Metlife, 821
- Southwest – Nationwide, 786
- Texas – Auto Club of Southern California, 803
Worst Car Insurance Companies in New Jersey and Pennsylvania 2020
Allstate fared the worst in the Mid-Atlantic region in 2020 with a score of 812. The five other lowest-ranked insurance companies were:
- Liberty Mutual, 816
- The Hartford, 824
- Farmers, 826
- Plymouth Rock Assurance, 827
- Progressive, 828
Consumer Reports Worst Car Insurance Companies 2019
Here are the worst car insurance companies in the nation in 2019, according to Consumer Reports, with number 1 being the worst:
- MAPFRE North America Group
- MetLife Auto & Home Group
- Mercury General Group
- Progressive Insurance Group
- Liberty Mutual Insurance Companies
- Nationwide Group
- Allstate
- Farmers Insurance
- Berkshire Hathaway Insurance Group (GEICO)
- State Farm
J.D. Power’s Worst Car Insurance Companies 2019
J.D. Power conducts its auto insurance survey by region, so we’ve also included a detailed look at the Mid-Atlantic region, including Pennsylvania and New Jersey. This first list shows their findings for the worst insurance company in each region, showing their score on a scale of 1000:
- California – Kemper, 778
- Central – Nationwide, 807
- Florida – Safeco, 798
- Mid-Atlantic – Allstate, 816
- New England – MetLife, 794
- New York – Progressive, 815
- North Central – Safeco, 788
- Northwest – Nationwide, 765
- Southeast – Liberty Mutual, 809
- Southwest – Nationwide, 775
- Texas – Liberty Mutual, 802
Worst Car Insurance Companies in New Jersey 2019
In the Mid-Atlantic region, Allstate fared the worst, scoring 816 out of 1,000 with a 2-star rating. Liberty Mutual and CSAA were tied for second-worst, just below that, with a score of 817. The five other lowest-ranked insurance companies were:
- Travelers 821
- Nationwide 822
- Plymouth Rock Assurance 826
- Farmers 826
- Progressive 828
