Personal auto insurers ranked by value

Every personal auto insurer group scored on the two things that decide what you get for your premium: the loss ratio (how much of each premium dollar comes back out as paid claims and the cost of handling them) and the claim-paid rate (how often a reported claim is actually paid). Both come from countrywide annual statements, summed across every member company and year. Each is read as a consumer-favorability percentage — cents returned per premium dollar (capped at 100) and the share of claims paid — and the two are averaged into a 0–100 value score, highest first. Click a group to see its member companies. Groups with fewer than 1000 reported claims, or too little premium for a meaningful loss ratio, are excluded.

Top ranked: SELECTIVE — score 76

Line-average loss ratio: 68%

Line-average claim-paid rate: 43%

Groups ranked: 38

Group

Value score

Loss ratio

Claim-paid rate

Earned premium

Companies

▶ SELECTIVE

105%

52%

$45,400,445

▶ CHUBB

64%

74%

$2,645,860,158

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
ACE AMER INS CO	22667	-11%	74%	7,124
FEDERAL INS CO	20281	69%	74%	7,124
ACE PROP & CAS INS CO	20699	—	74%	5,699
PACIFIC IND CO	20346	58%	74%	5,699
EXECUTIVE RISK IND INC	35181	64%	74%	2,849
CHUBB IND INS CO	12777	57%	80%	1,135
VIGILANT INS CO	20397	53%	75%	882
CENTURY IND CO	20710	—	0%	74
ACE FIRE UNDERWRITERS INS CO	20702	—	—	0
AGRI GEN INS CO	42757	—	—	0
BANKERS STANDARD INS CO	18279	61%	—	0
CHUBB NATL INS CO	10052	65%	—	0
GREAT NORTHERN INS CO	20303	61%	—	0
INDEMNITY INS CO OF NORTH AMER	43575	—	—	0
INSURANCE CO OF N AMER	22713	2215%	—	0
PACIFIC EMPLOYERS INS CO	22748	54%	—	0
WESTCHESTER FIRE INS CO	10030	—	—	0

▶ CENTRAL MUT INS CO GRP

73%

62%

$173,059,939

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
CENTRAL MUT INS CO	20230	73%	62%	4,007
ALL AMER INS CO	20222	—	62%	763

▶ AIG

54%

74%

$547,167,163

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
NATIONAL UNION FIRE INS CO OF PITTSB	19445	50%	75%	1,947
AMERICAN HOME ASSUR CO	19380	-81%	74%	1,816
COMMERCE & INDUSTRY INS CO	19410	—	69%	118
AIG PROP CAS CO	19402	55%	—	0
AIU INS CO	19399	—	—	0
BLACKBOARD INS CO	26611	—	—	0
GRANITE STATE INS CO	23809	—	—	0
INSURANCE CO OF THE STATE OF PA	19429	66%	—	0
NEW HAMPSHIRE INS CO	23841	5286%	—	0
STRATFORD INS CO	40436	—	—	0

▶ AMERICAN FAMILY

79%

48%

$4,889,307,668

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMERICAN FAMILY CONNECT PROP & CAS I	29068	95%	51%	147,661
PERMANENT GEN ASSUR	37648	60%	45%	146,933
MIDVALE IND CO	27138	112%	72%	4,651

▶ Metromile Insurance Company

92%

33%

$194,329,412

▶ BROOKFIELD REINS LTD GRP

70%

54%

$1,355,614,961

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMERICAN NATIONAL PROP & CAS CO	28401	70%	55%	43,931
ARGONAUT INS CO	19801	64%	45%	2,787
AMERICAN NATL GEN INS CO	39942	72%	57%	1,123
ARGONAUT MIDWEST INS CO	19828	—	—	0
COLONY SPECIALTY INS CO	36927	—	—	0

▶ AUTO CLUB ENTERPRISES

74%

47%

$12,592,407,594

▶ CSAA

76%

43%

$7,469,674,834

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
CSAA INS EXCH	15539	76%	43%	307,532
CSAA GEN INS CO	37770	75%	41%	62,652
CSAA FIRE & CAS INS CO	10921	76%	45%	4,442
MOBILITAS INS CO	16392	—	—	0

▶ CINCINNATI FINANCIAL

62%

57%

$1,763,125,855

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
THE CINCINNATI INS CO	10677	57%	58%	21,664
THE CINCINNATI CAS CO	28665	75%	54%	11,485
THE CINCINNATI IND CO	23280	12%	100%	2

▶ MERCURY GEN

74%

44%

$2,360,277,424

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
MERCURY INS CO	27553	74%	43%	137,252
MERCURY CAS CO	11908	106%	48%	44,844
CALIFORNIA AUTOMOBILE INS CO	38342	64%	42%	14,166
ORION IND CO	13250	59%	37%	1,154

▶ Lemonade Insurance Company

97%

21%

$23,190,879

▶ AMICA MUTUAL

73%

44%

$2,759,779,491

▶ Ocean Harbor Casualty Insurance Company

67%

49%

$1,071,711,958

▶ BERKSHIRE HATHAWAY

70%

46%

$86,877,347,515

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
GOVERNMENT EMPLOYEES INS CO	22063	68%	45%	4,217,494
NATIONAL IND CO	20087	—	48%	2,120,354
GEICO GEN INS CO	35882	73%	44%	1,486,677
GEICO CAS CO	41491	66%	48%	745,011
GEICO IND CO	22055	68%	44%	655,390
BERKSHIRE HATHAWAY SPECIALTY INS CO	22276	61%	78%	14,508
GEICO MARINE INS CO	37923	109%	12%	513
NATIONAL LIAB & FIRE INS CO	20052	-49%	20%	168
AMGUARD INS CO	42390	—	—	0
CENTRAL STATES IND CO OF OMAHA	34274	—	—	0
EASTGUARD INS CO	14702	—	—	0
FAIR AMER INS & REINS CO	35157	—	—	0
GENERAL STAR NATL INS CO	11967	—	—	0
GENESIS INS CO	38962	—	—	0
MEDICAL PROTECTIVE CO	11843	—	—	0
NORGUARD INS CO	31470	—	—	0
UNITED STATES LIAB INS CO	25895	—	—	0
WELLFLEET NY INS CO	20931	—	—	0

▶ THE HANOVER

71%

45%

$1,891,470,709

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
HANOVER INS CO	22292	69%	44%	101,636
CITIZENS INS CO OF AMER	31534	96%	44%	28,493
ALLMERICA FIN BENEFIT INS CO	41840	68%	48%	16,293
HANOVER AMER INS CO	36064	71%	46%	7,469
MASSACHUSETTS BAY INS CO	22306	-70%	32%	19
CAMPMED CAS & IND CO INC	12260	—	—	0
NOVA CAS CO	42552	—	—	0
VERLAN FIRE INS CO MD	10815	—	—	0

▶ HARTFORD FIRE & CAS

66%

49%

$4,774,608,239

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
HARTFORD FIRE INS CO	19682	72%	49%	114,250
HARTFORD ACCIDENT & IND CO	22357	59%	49%	89,996
HARTFORD UNDERWRITERS INS CO	30104	75%	49%	11,080
HARTFORD CAS INS CO	29424	64%	50%	4,705
TWIN CITY FIRE INS CO CO	29459	57%	49%	4,129
HARTFORD INS CO OF THE MIDWEST	37478	71%	49%	1,376
PROPERTY & CAS INS CO OF HARTFORD	34690	53%	49%	1,376
TRUMBULL INS CO	27120	59%	49%	889
SENTINEL INS CO LTD	11000	68%	49%	826
FIRST STATE INS CO	21822	—	—	0
NAVIGATORS INS CO	42307	—	—	0

▶ UNITED SERV AUTOMOBILE ASSN

71%

42%

$56,148,775,132

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
USAA	25941	71%	43%	1,132,212
USAA CAS INS CO	25968	71%	41%	869,506
USAA GEN IND CO	18600	74%	41%	845,321
GARRISON PROP & CAS INS CO	21253	70%	41%	475,493

▶ TRAVELERS

64%

48%

$15,429,846,364

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
ST PAUL FIRE & MARINE INS CO	24767	—	48%	152,262
TRAVELERS CAS & SURETY CO	19038	—	48%	125,057
STANDARD FIRE INS CO	19070	65%	48%	29,727
UNITED STATES FIDELITY & GUAR CO	25887	—	48%	27,086
TRAVELERS CAS INS CO OF AMER	19046	—	48%	16,765
TRAVELERS IND CO OF CT	25682	59%	48%	8,410
NORTHLAND INS CO	24015	—	48%	7,490
TRAVELERS COMMERCIAL INS CO	36137	66%	48%	2,880
FARMINGTON CAS CO	41483	1129%	49%	2,801
TRAVELERS PROP CAS CO OF AMER	25674	64%	48%	2,200
TRAVELERS PROP CAS INS CO	36161	63%	48%	1,837
ST PAUL PROTECTIVE INS CO	19224	61%	49%	1,097
TRAVELERS CAS CO OF CT	36170	58%	49%	889
TRAVELERS COMMERCIAL CAS CO	40282	—	49%	889
ST PAUL MERCURY INS CO	24791	—	49%	755
NORTHLAND CAS CO	24031	—	49%	264
ST PAUL GUARDIAN INS CO	24775	—	49%	187
FIDELITY & GUAR INS CO	35386	—	—	0
TRAVELERS CAS & SURETY CO OF AMER	31194	—	—	0

▶ SENTRY

59%

54%

$2,427,273,213

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
SENTRY INS CO	24988	59%	54%	412,581
MIDDLESEX INS CO	23434	58%	53%	11,580
VIKING INS CO OF WI	13137	58%	53%	5,790
FLORISTS MUT INS CO	13978	—	54%	4,694
SENTRY SELECT INS CO	21180	57%	—	0

▶ California Casualty Indemnity Exchange

71%

39%

$763,587,393

▶ FARMERS

60%

50%

$18,285,789,123

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
FARMERS INS EXCH	21652	64%	50%	794,993
MID CENTURY INS CO	21687	51%	58%	212,461
FOREMOST INS CO GRAND RAPIDS MI	11185	61%	45%	179,594
COAST NATL INS CO	25089	56%	42%	119,487
FIRE INS EXCH	21660	68%	50%	115,216
TRUCK INS EXCH	21709	64%	55%	107,805
FARMERS INS CO OF OR	21636	54%	50%	42,322
21ST CENTURY CAS CO	36404	66%	37%	23,487
ECONOMY FIRE & CAS CO	22926	51%	50%	22,853
21ST CENTURY INS CO	12963	—	52%	16,829
CIVIC PROP & CAS CO	10315	—	50%	15,363
EXACT PROP & CAS CO INC	10318	—	50%	15,363
NEIGHBORHOOD SPIRIT PROP & CAS CO	10317	—	49%	9,025
21ST CENTURY CENTENNIAL INS CO	34789	71%	51%	8,758
21ST CENTURY PREMIER INS CO	20796	98%	85%	112
FOREMOST PROP & CAS INS CO	11800	63%	—	0

▶ WESTFIELD

54%

55%

$219,276,315

▶ PROGRESSIVE

66%

43%

$56,122,003,410

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
PROGRESSIVE DIRECT INS CO	16322	65%	42%	3,792,342
PROGRESSIVE CAS INS CO	24260	67%	45%	2,281,336
PROGRESSIVE SELECT INS CO	10192	65%	41%	692,505
UNITED FINANCIAL CAS CO	11770	75%	40%	405,879
PROGRESSIVE NORTHWESTERN INS CO	42919	62%	45%	203,845
PROGRESSIVE SPECIALTY INS CO	32786	61%	45%	118,910
DRIVE INS CO	27804	74%	38%	80,785
PROGRESSIVE ADVANCED INS CO	11851	62%	42%	77,066
PROGRESSIVE EXPRESS INS CO	10193	35%	31%	126
NATIONAL CONTINENTAL INS CO	10243	—	—	0
SAGAMORE INS CO	40460	—	—	0

▶ ALLSTATE

68%

38%

$32,891,477,930

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
ALLSTATE INS CO	19232	63%	37%	4,603,218
ALLSTATE NORTHBROOK IND CO	36455	71%	32%	505,389
INTEGON NATL INS CO	29742	90%	39%	332,232
ALLSTATE IND CO	19240	63%	39%	277,365
ALLSTATE PROP & CAS INS CO	17230	54%	40%	238,458
INTEGON PREFERRED INS CO	31488	71%	45%	141,466
ESURANCE PROP & CAS INS CO	30210	66%	46%	113,553
ENCOMPASS INS CO	10358	86%	47%	36,320
NATIONAL GEN INS CO	23728	68%	40%	14,755
NATIONAL FARMERS UNION PROP & CAS	16217	63%	58%	12,819
NATIONAL GEN ASSUR CO	42447	63%	47%	12,511
MIC GEN	38660	132%	46%	9,621
NATIONAL GEN PREMIER INS CO	12832	—	45%	5,703
CENTURY NATL INS CO	26905	114%	49%	1,517

▶ TRISURA

70%

35%

$147,593,478

▶ MARKEL

70%

35%

$4,180,451,079

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
ESSENTIA INS CO	37915	49%	39%	29,412
STATE NATL INS CO INC	12831	88%	26%	11,142
MARKEL INS CO	38970	13%	39%	6,298
NATIONAL SPECIALTY INS CO	22608	66%	26%	5,570
MARKEL AMER INS CO	28932	45%	39%	3,749
SURETEC INS CO	10916	—	39%	1,199

▶ UTICA

75%

29%

$161,664,735

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
UTICA MUT INS CO	25976	75%	29%	46,909
GRAPHIC ARTS MUT INS CO	25984	171%	30%	787

▶ TOKIO MARINE HOLDINGS INC

59%

45%

$802,366,937

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
PHILADELPHIA IND INS CO	18058	50%	45%	1,456
TOKIO MARINE AMER INS CO	10945	89%	48%	977
TRANS PACIFIC INS CO	41238	83%	38%	361
AVEMCO INS CO	10367	—	—	0
PRIVILEGE UNDERWRITERS RECP EXCH	12873	60%	—	0
SAFETY FIRST INS CO	11123	—	—	0
SAFETY NATIONAL CAS	15105	—	—	0
US SPECIALTY INS CO	29599	—	—	0

▶ AUTO OWNERS

62%

38%

$210,100,632

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
CALIFORNIA CAPITAL INS CO	13544	62%	38%	5,947
EAGLE W INS CO	12890	64%	38%	1,562
MONTEREY INS CO	23540	—	38%	1,072

▶ Benchmark Insurance Company

53%

45%

$44,124,782

▶ LIBERTY MUTUAL

61%

37%

$17,933,793,654

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
LIBERTY MUT INS CO	23043	42%	37%	789,431
EMPLOYERS INS CO OF WAUSAU	21458	69%	37%	126,309
LIBERTY MUT FIRE INS CO	23035	56%	37%	126,309
OHIO CAS INS CO	24074	-144%	37%	126,309
SAFECO INS CO OF AMER	24740	68%	37%	94,732
PEERLESS INS CO	24198	—	37%	78,624
AMERICAN ECONOMY INS CO	19690	63%	—	0
AMERICAN FIRE & CAS CO	24066	-6014%	—	0
AMERICAN STATES INS CO	19704	68%	—	0
AMERICAN STATES INS CO OF TX	19712	-384%	—	0
AMERICAN STATES PREFERRED INS CO	37214	66%	—	0
FIRST LIBERTY	33588	32%	—	0
FIRST NATL INS CO OF AMER	24724	70%	—	0
GENERAL INS CO OF AMER	24732	57%	—	0
IRONSHORE IND INC	23647	—	—	0
LIBERTY	42404	40%	—	0
LIBERTY INS UNDERWRITERS INC	19917	—	—	0
LIBERTY NORTHWEST	41939	—	—	0
LM GEN INS CO	36447	33%	—	0
LM	33600	50%	—	0
LM PROP & CAS INS CO	32352	—	—	0
NETHERLANDS INS CO THE	24171	69%	—	0
OHIO SECURITY INS CO	24082	76%	—	0
PEERLESS IND INS CO	18333	60%	—	0
PLAZA INS CO	30945	—	—	0
SAFECO INS CO OF IL	39012	64%	—	0
WEST AMER INS CO	44393	-19083%	—	0

▶ NATIONWIDE

61%

36%

$9,829,562,093

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
NATIONWIDE MUT INS CO	23787	56%	36%	670,917
NATIONWIDE AGRIBUSINESS INS CO	28223	51%	36%	21,413
NATIONAL CAS CO	11991	-93%	36%	7,138
NATIONWIDE INS CO OF AMER	25453	68%	36%	7,138
NATIONWIDE GEN INS CO	23760	59%	35%	1,694
ALLIED PROP & CAS INS CO	42579	46%	—	0
AMCO INS CO	19100	66%	—	0
CRESTBROOK INS CO	18961	93%	—	0
DEPOSITORS INS CO	42587	53%	—	0
FREEDOM SPECIALTY INS CO	22209	—	—	0
HARLEYSVILLE INS CO	23582	-11%	—	0
NATIONWIDE PROP & CAS INS CO	37877	49%	—	0
SCOTTSDALE IND CO	15580	0%	—	0

▶ INCLINE INS GRP LLC GRP

68%

28%

$277,935,072

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
INCLINE CAS CO	11090	73%	36%	18,089
INCLINE NATL INS CO	19269	62%	17%	14,307

▶ Root Insurance Company

61%

35%

$1,282,889,207

▶ WR BERKLEY

58%

37%

$214,356,838

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
BERKLEY INS CO	32603	64%	37%	2,221
BERKLEY NATL INS CO	38911	109%	—	0
BERKLEY REGIONAL INS CO	29580	-51%	—	0
CAROLINA CAS INS CO	10510	—	—	0
GREAT DIVIDE INS CO	25224	302%	—	0
INTREPID INS CO	10749	104%	—	0
RIVERPORT INS CO	36684	22%	—	0
STARNET INS CO	40045	0%	—	0
TRI STATE INS CO OF MN	31003	77%	—	0

▶ MAPFRE

68%

21%

$500,756,101

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMERICAN COMMERCE INS CO	19941	64%	21%	21,684
COMMERCE W INS CO	13161	71%	21%	11,367
MAPFRE INS CO	23876	74%	21%	5,071

▶ Loya Casualty Insurance Company

60%

22%

$604,006,597

The value score is the average of two consumer-favorability percentages — cents returned per premium dollar (the loss ratio, capped at 100) and the claim-paid rate. A high loss ratio is value to policyholders but can also reflect a bad-loss year, so it's shown alongside the paid rate rather than treated as a quality score on its own. Both figures come from countrywide annual statements and say nothing about price.