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Ratings Methodology
TheCarInsuranceGuide.com has conducted interviews with insurance agents to gather opinions on the service and claims handling provided by the major insurance carriers. The comments and ratings of our best service reviews is the product of this proprietary research.
Service & Claims Ratings Highlights
Service & Claims Score
Travelers
When it comes to claims, Travelers really shines. They are consistently rated among the best as far as customer service goes, and their claims handling is no exception -- they employ over 12,000 claims-focused employees, so you know you'll be well taken care of.
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21st Century
For the most part, 21st handles claims well, with a few exceptions. You can generally expect good service when working with them.
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AAA Southern California
They do quite well when it comes to claims handling. In general, their service is prompt and precise, which is what you want in the aftermath of an accident.
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Liberty Mutual
Claims servicing is one area that Liberty really shines. Their quality customer service makes it quick and easy to file a claim, and you can expect a prompt response once you do.
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Novo
Novo aims to make the claims experience as easy a possible. Claims reporting can be done online or by phone, and customers can expect a quick response.
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Allstate
Survey respondents ranked Allstate in the middle of the pack when it comes to claims servicing.
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Plymouth Rock Assurance
According to the agents we surveyed, Plymouth Rock's reputation for handling claims is fairly high, which makes sense given the high quality of their customer service altogether. While they do not have the lowest prices, their customers can expect to have their accidents handled smoothly.
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Progressive
Progressive came up as one of the top insurance companies for addressing claims, which is particularly impressive given that they also offer such low rates. In fact, no other insurance company that we've reviewed scored higher than average on both price and claims servicing.
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Lemonade
They have an incredibly convenient app that makes handling claims simple -- no matter what time it is, drivers can submit claims and expect a swift response.
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Root Insurance
Reviews of Root's ability to handle claims have been positive. Like many other companies, claims can easily be made through an app on your mobile phone.
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USAA Auto
USAA has a reputation among both their customer base and experienced insurance agents for handling claims quickly and professionally.
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Branch Insurance
Customers can file claims online or on the app 24/7, and are assigned a Claims Guide for any assistance needed. Responses are generally quick.
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Elephant
With their Claims Photo App, Elephant has one of the more streamlined claims filing processes that we've seen. Drivers can report claims in a matter of minutes by simply uploading a photo. As far as how they handle claims once they receive them, customer reviews indicate that this is more of a mixed bag -- though that is the case with many insurers.
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State Farm
State Farm has a hit-or-miss reputation when it comes to claims handling, as is the case with many insurers. Their ample staff ensures that you won't have to wait long for a response, but of course there are times when they miss the mark.
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Clutch Insurance
Our auto Insurance agent respondents thought that handling claims was not Clutch Insurance's strong suit. If you have options and are very concerned with how claims are handled, you may want to explore other auto insurance companies.
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Direct Auto
Handling claims has not been Direct Auto's strong suit historically, but this is slowly improving over time. If you have options and are especially concerned with how claims are handled, you may want to explore other auto insurance companies.
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Jupiter
Claims servicing is about average with Jupiter. They are usually responsive, but of course cases slip through the cracks from time to time.
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Mercury
The company does a good job when it comes to claims and customer service in general. Most customers are left satisfied.
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Clearcover
Claims can be handled via mobile app, telephone or email. To reduce costs, Clearcover would prefer customers use their app.
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Infinity
According to our survey respondents, handling claims is not Infinity's strong suit. If you have other options and are very concerned with how claims are handled, you may want to explore other auto insurance companies.
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National Family Assurance
Each carrier handles claims differently, so this will depend on which one you opt to work with.
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The Rate Chopper
The handling of claims is up to the carrier. Drivers should research their options and choose the one best suited to their needs.
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Dairyland
Dairyland's claims handling is decent. Most claims are handled efficiently, but there are of course some exceptions, as with most other insurers. When it comes to their customer service, the company does require that new customers work with their agents to start a new policy -- a requirement which can help to enhance your insurance experience.
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Esurance
Our auto Insurance agent respondents thought that Esurance wasn't strong in managing and servicing claims. Other insurance companies may be a better match if you are focused on quick and easy resolution of a claim.
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Gainsco
Gainsco has an easy-to-access online portal where claims can be submitted 24/7. Customers can generally expect a quick response.
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Geico
Our auto Insurance agent respondents rank GEICO near the bottom on claims. Although great on price, they may not offer the best customer service in the event of an accident
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Service & Claims Score
Metromile
Metromile began writing its own policies in just 2016, so it's relatively new to the servicing side of the insurance business. As such, They are perceived as lagging behind its more experienced rivals in the area of claims. However, survey respondents indicated that this is changing gradually as the company gets more comfortable in their new position.
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Pretected
The way a carrier handles claims is up to them. With some research, drivers can expect to find a carrier that suits their needs.
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Savvy Car Insurance
Claims are handled differently by each carrier, so your mileage here will depend on the carrier you go with.
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Answer Financial
How the carrier handles claims is entirely up to them, but drivers can research their options and pick the best one for their needs.
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AutoInsurance.org
How claims are handled is dependent on the carrier. Drivers should research each option and choose what suits them the best.
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Best Auto Insurance
Each carrier handles claims in their own way. With some research, drivers can find a carrier that handles claims how they like.
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Car Insurance MKT
The handling of claims is up to the carrier. With plenty of options to choose from, drivers can find the best fit for them.
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CarInsurance.net
How a carrier chooses to handle claims is up to them. Potential customers should research each carrier and decide from there.
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Everquote
Claims are handled by the carriers themselves. Customers should research beforehand to ensure their insurer deals with claims appropriately.
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Finder
Claims proficiency depends of the specific carrier. Consumers should research each option to make the best choice for their situation.
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Gabi
As Gabi finds customers a list of potential provider options, the claims handling will be up to the insurer you ultimately choose.
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InsuranceHoney
Claims handling is up the carrier, but drivers can expect to find the right fit from the many options offered.
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Provide Insurance
Each carrier handles claims on their own terms, and drivers should research ahead of time to make sure the policy they choose fits their preferences.
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Quote By Zip
How claims are handled depends on the carrier in question. The driver should research the suggested carriers and choose the best one on their own.
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SavingsJoy
Claims handling is up the carrier, but drivers can expect to find the right fit from the many options offered.
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Smart Financial
Carriers are in charge of how they handle claims. Drivers can look into each carrier carefully in order to make sure they go with the best fit.
