We use real NAIC complaint ratios to show which carriers actually pay claims—not which ones pay us the most. Because when it matters, "15 minutes" means nothing.
NAIC ratios, not star ratings
Cheap means nothing if they deny
Rankings aren't for sale
A NAIC complaint index of 1.0 = industry average. Lower is better. USAA sits at 0.51 (half the complaints). Lemonade? 10.09—that's 10x more complaints than expected for their size. The AI that "handles claims in 3 seconds" also denies them.
Real data from NAIC complaints, AM Best ratings, and state filings. We show you who pays—not who pays us.
Compare 10+ carriers by complaint ratio, not jingles. See who actually pays when you're in a fender bender.
Florida and California in crisis. Carriers exiting. We track who's still writing policies—and who's fighting claims.
Term vs. whole life decoded. Plus which insurtechs (Bestow, Ethos) actually work—and which are just apps.
We dig into the data most comparison sites ignore. Real insights that affect your wallet.
Industry investment income in 2024. They profit by investing YOUR premiums—not just from underwriting.
Auto premiums for loyal customers vs. new customers at Allstate. They reward shopping, not staying.
Average pages in your consumer report. They know every claim, inquiry, and address change since you started driving.
Max discount for "safe driving" apps. But they also track location, hard braking, and time of day. Worth it?
Unlike sites that rank by "who pays us most," we use public regulatory data.
The National Association of Insurance Commissioners tracks every complaint against every insurer, adjusted for market share. A score below 1.0 means fewer complaints than expected.
Will they be around to pay your claim? AM Best rates financial strength from A++ (superior) to D (poor). We only recommend A- or better.
J.D. Power and independent surveys measure actual claims experiences—not just "customer service" which means "answered the phone."
We factor in price—but it's weighted last. The cheapest policy means nothing if they deny your claim or lowball your payout.
Michigan's unlimited PIP made it the most expensive state for auto insurance. California's Prop 103 bans credit scores but rates are still brutal. Florida's no-fault chaos creates the highest fraud rates in America. We have state-specific guides.
Ranked by NAIC complaint ratio, not affiliate payouts. Filter and search to find your match.