Consumer Reviews Reveal Shockingly High Satisfaction Levels with Car Insurance Providers

Share Article consumer-generated reviews show that auto insurance policy holders are surprisingly happy with the companies insuring them. A large majority of the car insurance companies reviewed on the site rank well above average. The site's personalized reviews also help comparison shoppers find consumer opinions that match their own specific needs.

automatically reduced my rates when I turned 25

As continues to expand with thousands of new consumer-generated reviews, the products and services appearing there present an ever-shifting average of one-to-five stars. This week, a surprising trend has made itself apparent, in regards to the automobile insurance industry.

Of thirty-one auto insurance companies reviewed by consumers on, twenty-one of them (or 68%) average four or more stars, out of a possible five. Only four companies presently rank lower than 3.5 stars, and of those four, only one ranked lower than 3.33. Surprisingly, a full 30 of 31 auto insurance companies presently rank as "recommended" companies.

Many of these auto insurance companies have achieved their higher-than-four-star average after dozens of reviews by customers. In the case of big-budget marketing firms Geico and Progressive, their high averages - 4.03 and 4.04, respectfully - are based on hundreds of consumer reviews.

In an age when many companies force customers to suffer time-consuming voicemail or telephone support on the other side of the planet, a study of auto insurance reviews reveals that the industry earns high marks in all areas traditionally used to choose an insurance company: affordable rates which remain stable, quick processing, responsive customer service, accessibility, friendly attitudes, and location.

Also revealed within hundreds of consumer-generated reviews are clues to help shoppers who are comparing car insurance companies determine which company is right for them. Farm Bureau Insurance, for example, is credited with being a great choice for those insuring young drivers: a young reviewer from Tennessee, tells of no rate increase after two car wreck wrecks. Many reviewers who are "on a strict budget" or "in debt" also lean toward Farm Bureau Insurance stating that it offer affordable care insurance with no-frills.

Another Viewpoints review states that Nationwide Car Insurance has "worked with me through some difficult financial times," claiming her rates at Nationwide "have never gone up for speeding tickets."

Viewpoints "I Am" tags further help comparison shoppers find reviews which match their own personality and lifestyle. Reviewers use "I Am" tags to define themselves, such as I am "a safe driver"; "a parent of a 16-year-old driver"; "a comparison shopper" and "multi car/driver household."

Regardless of the driver type, consumers agree that USAA Banking and Insurance, available only to families with a military connection, is as good as it gets. USAA has achieved a near-perfect score of 4.82 (out of 5.00) after over 172 Viewpoints users have reviewed it. Reviewers cite "24 hour live customer service," as well as claiming USAA "automatically reduced my rates when I turned 25," offers "free towing service and door unlock service," and "helped me devise ways to save money."

If you are interested in a local insurance carrier, you're in luck. On, consumers will discover many smaller or lesser-known companies - such as Erie, Unitrin, Grinnell Mutual and Wawanesa Insurance - that have great rankings, but which are relatively unknown, due to small advertising budgets, or having only regional offices. "The only thing that has lowered in cost this year," is what one reviewer says about Erie Insurance. Those shoppers looking for cheap auto insurance can benefit from exploring some of these lesser-known but highly ranked insurance companies.

The highest ranking auto insurance companies as of June 2008 included Sentry Insurance (5.00 after 3 reviews); military-oriented USAA Banking and Insurance (4.82 after 171 reviews); Erie Insurance (4.75 after 16 reviews); Wawanesa Insurance (4.43); Amica (4.61); Farm Bureau Insurance (4.38); AAA-Auto Club (4.37); The Hartford (4.28 after 64 reviews); Progressive (4.24 after 294 reviews); American Family Insurance (4.36); State Farm (4.23); and Commerce (4.20). Several others, including Esurance, Travelers, Allstate, Grange Mutual and 21st Century, averaged between 3.80 and 4.20.

The lowest ranking well-established car insurance companies as of June 18, 2008 were AARP (3.33 after 3 reviews) and AIG (3.36 after 32 reviews). While they were the lowest, they were still slightly above average. The highest possible score is 5.00 (five stars) but any review over 3.00 (3 stars) is considered a "recommended" product or service.

About Viewpoints
Founded in 2007, is a consumer review web site dedicated to helping people make smarter, more informed decisions. The site allows people to read and write reviews across the most comprehensive range of categories of any reviews site, from movie reviews to restaurant reviews, finance reviews to health care reviews, electronics reviews to travel ratings and hundreds of other categories in between. taps into the need for people to share their personal experiences, to voice their opinions, to show others the way, and to share insight gained from personal experience. Best of all, Viewpoints provides deep profiles of every reviewer, enabling readers to not only find others with similar interests, but also rate the quality of the reviews and reviewers., a privately held company, is headquartered in Chicago.
Viewpoints. Let's Review.

Matt Moog
Viewpoints Network


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