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Top 10 Worst Car Insurance Companies in 2020

by | Jul 31, 2020 | Car Accidents, Insurance Companies, Personal Injury | 0 comments

Shopping for car insurance can be a time-consuming process. Companies often promise deals that seem too good to be true, such as accident forgiveness, or lower rates based on good driving records. Some new apps even offer to track your driving habits to get you an even better deal.

As New Jersey personal injury attorneys we’ve had to deal firsthand with the shady practices and low-balling that these companies engage in almost every time we represent clients for car accidents or roll overs.

Unfortunately, auto insurance companies don’t always deliver on these promises. According to Consumer Reports, insurance companies have made pricing increasingly complicated over the past 15 years, resulting in a “complete lack of transparency”. So those great discounts may come at the expense of getting the coverage you actually need when there is a serious accident. 

If you’ve been involved in an automobile accident, you know that the costs can be astronomical. If someone involved in the accident needs ongoing medical care as a result of their injuries, hospital and rehabilitation bills can run in the hundreds of thousands of dollars. 

Your car insurance company will be responsible for those payments, which is why it is critical that you get clear and transparent information from the insurance company about what they will and will not cover. The last thing you want to do after being in a serious accident is to fight with your insurance company over every claim.

If you want to get the best rates, without losing critical coverage, you will need to shop around. Depending on what state you live in there can be upwards of 200 insurers offering rates in your area, so to save you some hassle, we’ve compiled a list of the companies you’ll want to avoid at all costs. We’ve assembled lists from two different organizations that are nationally recognized consumer advocates.

Consumer Reports Worst Car Insurance Companies 2020

Consumer Reports is a nonprofit organization that advocates for consumers and conducts research into products and companies. In their most recent survey of auto-insurance companies, they asked over 90,352 consumers about the level of satisfaction they had with premiums, claims, service, and policy review with their car insurance.

Here are the worst car insurance companies in the nation according to Consumer Reports, with number 1 being the worst:

  1. Esurance Property and Casualty Insurance Company
  2. Nationwide Group
  3. Liberty Mutual Insurance Companies
  4. Allstate Insurance Group
  5. Kemper PC Companies
  6. Metlife Auto & Home Group
  7. Farmers Insurance Group
  8. Horace Mann Insurance Group
  9. Hanover Insurance Group Property & Casualty Companies
  10. National General Companies

J.D. Power’s Worst Car Insurance Companies 2020

In order to compile a more thorough consumer guide, we also consulted J.D. Power’s 2020 U.S. Auto-Insurance Study. J.D. Power is a marketing research company that conducts surveys on customer satisfaction and product quality. This was their 21st year conducting the  Auto-Insurance Study, which compiled responses from over 40,123 car insurance customers. They used five factors to measure customer satisfaction: billing process and policy information, interaction, policy offerings, price, and claims. 

J.D. Power conducts their auto insurance survey by region, so we’ve also included a detailed look at the Mid-Atlantic region which includes 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 in New Jersey and Pennsylvania 2020

For our clients in the Mid-Atlantic region, Allstate fared the worst 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

When making a decision on which auto insurance company will work best for you, you’ll want to think about more than just the price. Customer satisfaction, communication, and the company’s reputation are all factors you’ll want to take into consideration. If a car insurance company puts their profit above your needs as a customer, you should look for a different option. 

Insurance companies put on a friendly face in their advertisements, but remember that they are for-profit companies, and their bottom line is always going to come first. If you’ve been in an automobile accident, you need someone who will prioritize your interests. Richard Hollawell is an experienced personal injury attorney that previously worked as an insurance adjuster. Because of his years of legal and insurance experience he knows the tricks insurance adjusters will use to prevent you from getting what you deserve. Call at 1-800-681-3550 or use the contact form for a free consultation today.

Interested in the 2019 Results?

Below are the list of 2019’s worst car insurance companies.

Consumer Reports Worst Car Insurance Companies 2019

Consumer Reports is a nonprofit organization that conducts consumer advocacy and research. In their 2019 survey of auto-insurance companies, they asked over 23,000 consumers about the level of satisfaction they had with claims process, cost, and overall experience with their car insurance.

Here are the worst car insurance companies in the nation according to the magazine Consumer Reports with number 1 being the worst:

  1. MAPFRE North America Group
  2. MetLife Auto & Home Group
  3. Mercury General Group
  4. Progressive Insurance Group
  5. Liberty Mutual Insurance Companies
  6. Nationwide Group
  7. Allstate
  8. Farmers Insurance
  9. Berkshire Hathaway Insurance Group (GEICO)
  10. State Farm

J.D. Power’s Worst Car Insurance Companies 2019

In order to compile a more thorough consumer guide, we also consulted J.D. Power’s 2019 U.S. Auto-Insurance Study. J.D. Power is a marketing research company that conducts customer surveys on customer satisfaction and product quality. This was the 20th year they conducted Auto-Insurance Study using five factors to measure customer satisfaction: interaction, policy offerings, price, billing policy, and claims. These are their results based on the responses of over 42,000 car insurance customers.

We’ve decided to show two different lists because J.D. Power conducts their auto insurance survey by region. This 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 in New Jersey 2019

For our clients in the Mid-Atlantic region Allstate fared the worst with a score of 816 on a 1,000-point scale and 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

 

 

 

 

 

 

 

 

 

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