Guides / Judging insurers
How to judge a car insurance company
Price is one factor. Licensing, complaints, financial strength and claims handling matter too.
Two insurers can charge similar prices and treat you very differently when you file a claim. A few public sources help you see beyond the price.
Five things to check
- Licensing: the insurer (and any agent) is licensed in your state. Check your state insurance department.
- Complaints: the NAIC complaint index compares complaints with the company's size.
- Financial strength: ratings from agencies such as AM Best, S&P, Moody's or Fitch.
- Claims experience: independent claims satisfaction studies and reviews from people who actually filed claims.
- The policy itself: coverages, exclusions and endorsements.
Our step-by-step check
Our "How to check an insurer" page walks through each check with where to find the information.
Educational information, not insurance advice. Coverage and rules vary by state and insurer; your policy documents control. Trusted Auto Insurers is not an insurer, agent or broker and takes no commissions.