Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Mar 2, 2022

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At a Glance

  • Nationwide and Amica are a couple of auto insurance companies that are best for paying claims.
  • USAA customers have the highest complaint levels with an NAIC of 2.35, but reviews indicate that customers are overall satisfied with the claims process.
  • Every 36 seconds a vehicle is stolen, and theft is one of the most common reasons policyholders file a claim.

Playing the waiting game to learn when your insurance claim will go through can be frustrating. Depending on which insurance company you have, it could take longer than usual. While some insurance companies are large and receive thousands of claims per day, others have simply gone out of their way to drag on the claims process to intimidate its customers. Do not let this be you.

In this article we will be discussing some of the best auto insurance companies for paying claims.

How to Find the Best Auto Insurance Companies for Paying Claims

You are probably wondering which insurance company is best at paying claims. On average, it can take about 30 days for an insurance company to resolve and pay out an insurance claim. Some of the best car insurance companies for paying claims may cover these expenses even sooner. There are ways for you to determine if an auto company’s claims process will be a good fit for you.

  • Read company reviews. According to WebsiteBuilder, 84% of online consumers trust online reviews as much as they would a personal recommendation from a friend.
  • Check NAIC ratings. The NAIC, or the National Association of Insurance Commissioners, is an organization that assesses and rates insurance companies based on their profile. The NAIC complaint index determines the reputation of a company based on the amount of complaints, and the strength of its overall profile.
  • Compare quotes. Shopping around for quotes is one of the best ways to make an informed decision on which auto insurance company you would like to go with.
  • Consider recommendations from friends and loved ones. Since most consumers tend to sound off when they have complaints, but they are silent when things are well, getting an inside opinion from someone you know and trust can make your decision easier.

Now that you are aware of the actions you can take to find the best auto insurance companies for paying claims, start searching to see which one would be a good fit.

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Nationwide is One of the Best Auto Insurance Companies for Paying Claims

When it comes to the best auto insurance companies for paying claims, Nationwide is on your side. The company received an A+ rating from A.M. Best and it earned a NAIC rating of 1.07, which is not too far from the national average of 1.0.

Amica is One of the Best Auto Insurance Companies for Paying Claims

Amica is a small, but mighty auto insurance company that is well-known for its exceptional customer service. The company received an A+ rating from the Better Business Bureau (BBB) and it also earned an A+ rating from A.M. Best. Amica received an NAIC rating of 1.95, which is higher than the national average. Despite its complaint index, customers have mixed reviews about the company’s claims process. Many negative reviews about Amica place an emphasis on the lack of assistance provided and not the actual claims process itself.

Amica auto insurance policies are available in 49 out of 50 states in the U.S.

USAA is One of the Best Auto Insurance Companies for Paying Claims

USAA is one of the best auto insurance companies for paying out its policyholder’s claims. The company received an A++ rating from A.M. Best and an A+ rating from the Better Business Bureau (BBB). In addition, USAA received an NAIC rating of 2.35, which is significantly higher than the national average of 1.0.

For faster insurance claims responses, the company encourages its customers to fill out the claims form on the app, which is estimated to be a 15 minute process.

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What are the worst auto insurance companies for paying claims?

We have all heard the horror stories about how claims departments in some of the most well-known auto insurance companies have completely dropped the ball. Do not be a victim. Get it right the first time, so you can avoid falling into the traps of some insurance companies that have earned the reputation as the worst company for paying claims.

Allstate is One of the Worst Auto Insurance Companies for Paying Claims

Allstate’s motto boasts about its policyholders being in “good hands,” but its prior customers would describe their auto insurance claims process as as anything but good. According to Hochfelson Kani LLP, Allstate combats insurance claims using what he coins to be the “three Ds” – deny, delay, and defend. As a result of these practices, the company is fighting several pending cases against its false promises.

State Farm is One of the Worst Auto Insurance Companies for Paying Claims

While the company may be the largest auto insurance provider in the United States, it has one of the worst reputations for handling insurance claims. According to Insurance Business America, State Farm handles about 39,000 claims per day. This large volume of claims could be why the company has not been able to recover from the reputation it has earned from consumers.

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Farmers is One of the Worst Auto Insurance Companies for Paying Claims

Customers are somewhat satisfied with the claims process at Farmers. The company also earned an A- rating from the Better Business Bureau (BBB) and it received an NAIC index rating of 0.43, which means its complaint levels are rather low. Despite receiving great ratings from other organizations, it is the customers at Farmers that have been the loudest in expressing their frustrations with Farmers agent’s customer service. While Farmers does a decent job handling its auto insurance claims, it is the lack of good customer service that sticks with consumers. When customers were asked if they would recommend Farmers insurance to a friend, most said no.

Five of the Most Common Auto Insurance Claims

Some scenarios for auto insurance claims are more common than others. If you have experienced any of the top five reasons most people call in to file an insurance claim, there is no need to feel ashamed.

  • Animal collisions. These collisions take place when your vehicle hits an animal, such as a deer, a raccoon, or a dog, while it is driving on the road.
  • A personal injury (back aches or whiplash). Injuries to the spine, neck, and back are typically the aftermath of a major collision. A sudden jerking of your neck and head from hitting a vehicle or being hit by another vehicle from behind can result in whiplash or back pain.
  • Fender benders. This is a minor accident that may result in a few scratches or dents in your vehicle’s fender, the border protecting your wheels and the bottom portion of your vehicle.
  • Theft. Every 36 seconds a vehicle is stolen. When someone takes your vehicle without your consent, this qualifies as theft and your insurance may be able to cover the expenses.
  • Vandalism. It is generally considered an at-fault claim. Slashed tires, broken windows, and deep scratch marks are all signs that your vehicle may have been vandalized.

While these may be the most common occurrences for filing an auto insurance claim, they are certainly not the only scenarios.

 An Overview of the Best Auto Insurance Companies for Paying Claims

The more familiar we are with an auto insurance company, the more trusting we become. However, just because it is a well-known company does not mean it will operate with your best interest at heart. Knowing which auto insurance companies prioritize the claims process, or at least which ones pride themselves on effectively managing and reviewing them, can save you a great deal of time and money in the long run. Although it may be tempting to go with a massive, well-recognized insurance provider, the size and the name of an insurance company will not guarantee good service.

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.