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. For auto, the claim-paid rate is measured on physical-damage claims (damage to your own car), the coverage where claim handling matters most to you. 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: Metromile Insurance Company — score 82

Line-average loss ratio: 68%

Line-average claim-paid rate: 75%

Groups ranked: 43

Group

Value score

Loss ratio

Claim-paid rate

Earned premium

▶ Metromile Insurance Company

92%

72%

$194,329,412

▶ SELECTIVE

93%

70%

$233,552,910

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
SELECTIVE INS CO OF AMER	12572	105%	70%	86,030
SELECTIVE AUTO INS CO OF NJ	11074	79%	—	0
SELECTIVE INS CO OF SC	19259	94%	—	0
SELECTIVE INS CO OF THE SOUTHEAST	39926	94%	—	0

▶ CHUBB

64%

96%

$2,738,303,845

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
ACE AMER INS CO	22667	-11%	95%	69,208
FEDERAL INS CO	20281	69%	95%	69,208
PACIFIC IND CO	20346	58%	95%	55,364
EXECUTIVE RISK IND INC	35181	64%	95%	27,684
CHUBB IND INS CO	12777	57%	98%	9,943
VIGILANT INS CO	20397	53%	98%	6,933
ACE INS CO OF THE MIDWEST	26417	48%	—	0
ATLANTIC EMPLOYERS INS CO	38938	53%	—	0
BANKERS STANDARD INS CO	18279	61%	—	0
CHUBB CUSTOM INS CO	38989	-117%	—	0
CHUBB INS CO OF NJ	41386	94%	—	0
CHUBB LLOYDS INS CO OF TX	27774	75%	—	0
CHUBB NATL INS CO	10052	65%	—	0
GREAT NORTHERN INS CO	20303	61%	—	0
ILLINOIS UNION INS CO	27960	-30%	—	0
INSURANCE CO OF N AMER	22713	1702%	—	0
PACIFIC EMPLOYERS INS CO	22748	54%	—	0

▶ AMICA MUTUAL

73%

85%

$2,810,580,497

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMICA MUT INS CO	19976	73%	85%	788,392
AMICA PROP & CAS INS CO	12287	80%	—	0

▶ CENTRAL MUT INS CO GRP

73%

85%

$173,059,939

▶ TRAVELERS

65%

93%

$17,607,534,478

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
STANDARD FIRE INS CO	19070	65%	92%	165,671
TRAVELERS IND CO OF CT	25682	59%	93%	55,829
TRAVELERS COMMERCIAL INS CO	36137	66%	93%	19,008
TRAVELERS PROP CAS CO OF AMER	25674	64%	93%	14,533
TRAVELERS PROP CAS INS CO	36161	63%	93%	12,095
FARMINGTON CAS CO	41483	168%	92%	9,406
ST PAUL PROTECTIVE INS CO	19224	71%	92%	3,663
TRAVELERS CAS CO OF CT	36170	77%	92%	2,963
AUTOMOBILE INS CO OF HARTFORD CT	19062	70%	—	0
CHARTER OAK FIRE INS CO	25615	72%	—	0
FIDELITY & GUAR INS UNDERWRITERS INC	25879	54%	—	0
FIRST FLORIDIAN AUTO & HOME INS CO	10647	93%	—	0
PHOENIX INS CO	25623	27%	—	0
TRAVCO INS CO	28188	66%	—	0
TRAVELERS HOME & MARINE INS CO	27998	62%	—	0
TRAVELERS IND CO	25658	44%	—	0
TRAVELERS IND CO OF AMER	25666	75%	—	0
TRAVELERS PERSONAL INS CO	38130	75%	—	0
TRAVELERS PERSONAL SECURITY INS CO	36145	72%	—	0

▶ HARTFORD FIRE & CAS

70%

87%

$5,953,025,167

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
HARTFORD FIRE INS CO	19682	72%	87%	508,516
HARTFORD ACCIDENT & IND CO	22357	59%	88%	412,884
HARTFORD UNDERWRITERS INS CO	30104	75%	88%	50,561
TWIN CITY FIRE INS CO CO	29459	57%	88%	18,946
HARTFORD CAS INS CO	29424	80%	87%	10,108
PROPERTY & CAS INS CO OF HARTFORD	34690	53%	88%	6,317
HARTFORD INS CO OF THE MIDWEST	37478	71%	87%	5,297
TRUMBULL INS CO	27120	67%	88%	5,174
SENTINEL INS CO LTD	11000	68%	88%	3,114
HARTFORD INS CO OF IL	38288	71%	—	0
HARTFORD INS CO OF THE SOUTHEAST	38261	103%	—	0
NUTMEG INS CO	39608	107%	—	0
PACIFIC INS CO LTD	10046	39%	—	0

▶ Civil Service Employees Insurance Company

79%

76%

$11,753,316

▶ NATIONWIDE

65%

88%

$14,149,864,997

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
NATIONWIDE MUT INS CO	23787	56%	88%	2,946,221
NATIONWIDE AGRIBUSINESS INS CO	28223	51%	88%	134,212
NATIONAL CAS CO	11991	7%	88%	44,737
NATIONWIDE INS CO OF AMER	25453	68%	88%	44,737
NATIONWIDE GEN INS CO	23760	72%	89%	4,353
SCOTTSDALE IND CO	15580	0%	65%	1,064
ALLIED PROP & CAS INS CO	42579	46%	—	0
AMCO INS CO	19100	66%	—	0
COLONIAL CNTY MUT INS CO	29262	79%	—	0
CRESTBROOK INS CO	18961	93%	—	0
DEPOSITORS INS CO	42587	53%	—	0
HARLEYSVILLE INS CO	23582	136%	—	0
HARLEYSVILLE INS CO OF NJ	42900	119%	—	0
HARLEYSVILLE PREFERRED INS CO	35696	12640%	—	0
HARLEYSVILLE WORCESTER INS CO	26182	242%	—	0
NATIONWIDE AFFINITY CO OF AMER	26093	98%	—	0
NATIONWIDE ASSUR CO	10723	41%	—	0
NATIONWIDE PROP & CAS INS CO	37877	62%	—	0
TITAN INS CO	36269	34%	—	0
VICTORIA FIRE & CAS CO	42889	10310%	—	0

▶ MERCURY GEN

74%

78%

$2,749,992,183

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
MERCURY INS CO	27553	74%	79%	575,081
MERCURY CAS CO	11908	106%	78%	219,750
CALIFORNIA AUTOMOBILE INS CO	38342	64%	75%	78,117
ORION IND CO	13250	59%	63%	4,578
AMERICAN MERCURY INS CO	16810	80%	—	0
MERCURY CNTY MUT INS CO	29394	77%	—	0
MERCURY IND CO OF AMER	11201	70%	—	0
MERCURY IND CO OF GA	10015	85%	—	0

▶ BERKSHIRE HATHAWAY

69%

82%

$111,353,850,308

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
GOVERNMENT EMPLOYEES INS CO	22063	68%	81%	16,040,835
GEICO GEN INS CO	35882	72%	83%	8,291,867
GEICO CAS CO	41491	66%	81%	5,118,532
GEICO IND CO	22055	69%	81%	3,681,702
BERKSHIRE HATHAWAY SPECIALTY INS CO	22276	61%	86%	28,452
NATIONAL LIAB & FIRE INS CO	20052	-49%	65%	15,190
GEICO MARINE INS CO	37923	90%	67%	513
GEICO ADVANTAGE INS CO	14138	73%	—	0
MOUNT VERNON FIRE INS CO	26522	-95604%	—	0

▶ THE HANOVER

72%

78%

$2,698,380,868

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
HANOVER INS CO	22292	69%	75%	580,208
CITIZENS INS CO OF AMER	31534	96%	78%	511,456
ALLMERICA FIN BENEFIT INS CO	41840	68%	84%	157,206
HANOVER AMER INS CO	36064	71%	87%	41,772
MASSACHUSETTS BAY INS CO	22306	-70%	80%	4,515
ALLMERICA FIN ALLIANCE INS CO	10212	78%	—	0
CITIZENS INS CO OF IL	10714	657%	—	0
CITIZENS INS CO OF OH	10176	-76%	—	0
CITIZENS INS CO OF THE MIDWEST	10395	74%	—	0

▶ WESTFIELD

65%

84%

$608,097,646

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
WESTFIELD NATL INS CO	24120	54%	84%	42,132
AMERICAN SELECT INS CO	19992	73%	—	0
OLD GUARD INS CO	17558	29%	—	0
WESTFIELD INS CO	24112	58%	—	0

▶ CINCINNATI FINANCIAL

63%

86%

$2,827,628,299

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
THE CINCINNATI INS CO	10677	57%	86%	220,367
THE CINCINNATI CAS CO	28665	73%	87%	71,402
THE CINCINNATI IND CO	23280	12%	80%	10,481

▶ California Casualty Indemnity Exchange

71%

77%

$763,587,393

▶ ALLSTATE

70%

78%

$64,803,153,423

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
ALLSTATE INS CO	19232	63%	79%	20,885,647
ALLSTATE NORTHBROOK IND CO	36455	71%	77%	2,408,894
ALLSTATE IND CO	19240	63%	76%	992,506
ESURANCE PROP & CAS INS CO	30210	66%	74%	905,043
ALLSTATE PROP & CAS INS CO	17230	63%	81%	531,128
INTEGON NATL INS CO	29742	90%	59%	413,159
INTEGON PREFERRED INS CO	31488	71%	75%	138,946
ENCOMPASS INS CO	10358	86%	77%	84,151
NATIONAL FARMERS UNION PROP & CAS	16217	63%	83%	69,968
NATIONAL GEN ASSUR CO	42447	63%	72%	57,388
NATIONAL GEN INS CO	23728	74%	72%	51,779
NATIONAL GEN PREMIER INS CO	12832	152%	77%	43,364
MIC GEN	38660	132%	83%	34,453
CENTURY NATL INS CO	26905	96%	80%	2,282
ADIRONDACK INS EXCH	12583	85%	—	0
AGENT ALLIANCE INS CO	10389	-85%	—	0
ALLSTATE CNTY MUT INS CO	29335	68%	—	0
ALLSTATE FIRE & CAS INS CO	29688	75%	—	0
ALLSTATE N AMER INS CO	11110	119%	—	0
ALLSTATE NJ INS CO	10852	56%	—	0
ALLSTATE NJ PROP & CAS INS CO	14940	104%	—	0
DIRECT GEN INS CO	42781	54%	—	0
DIRECT GEN INS CO OF MS	10889	73%	—	0
DIRECT INS CO	37220	59%	—	0
DIRECT NATL INS CO	23736	27%	—	0
ENCOMPASS HOME & AUTO INS CO	11252	88%	—	0
ENCOMPASS IND CO	15130	83%	—	0
ENCOMPASS INDEPENDENT INS CO	11251	106%	—	0
ENCOMPASS INS CO OF AMER	10071	69%	—	0
ENCOMPASS INS CO OF NJ	11599	63%	—	0
ENCOMPASS PROP & CAS CO	10072	87%	—	0
ENCOMPASS PROP & CAS INS CO OF NJ	12496	105%	—	0
ESURANCE INS CO	25712	70%	—	0
ESURANCE INS CO OF NJ	21741	98%	—	0
FIRST COLONIAL INS CO	29980	3%	—	0
IMPERIAL FIRE & CAS INS CO	44369	63%	—	0
INTEGON CAS INS CO	27930	57%	—	0
INTEGON GEN	22780	70%	—	0
INTEGON IND	22772	81%	—	0
NATIONAL GENERAL INS ONLINE INC	11044	50%	—	0
NEW JERSEY SKYLANDS INS ASSN	11454	115%	—	0
NEW SOUTH INS CO	12130	97%	—	0
SAFE AUTO CHOICE INS CO	16502	-16%	—	0
SAFE AUTO INS CO	25405	79%	—	0
STANDARD PROP & CAS INS CO	15199	11%	—	0

▶ TOKIO MARINE HOLDINGS INC

67%

80%

$2,325,534,557

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
PHILADELPHIA IND INS CO	18058	48%	85%	98,390
TOKIO MARINE AMER INS CO	10945	78%	58%	21,724
TRANS PACIFIC INS CO	41238	83%	68%	539
FIRST INS CO OF HI LTD	41742	59%	—	0
PRIVILEGE UNDERWRITERS RECP EXCH	12873	70%	—	0

▶ Ocean Harbor Casualty Insurance Company

67%

80%

$1,071,711,958

▶ CSAA

72%

75%

$12,518,437,294

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
CSAA INS EXCH	15539	72%	76%	1,630,936
CSAA GEN INS CO	37770	72%	66%	140,642
CSAA FIRE & CAS INS CO	10921	65%	76%	20,161
CSAA AFFINITY INS CO	11681	105%	—	0

▶ FARMERS

60%

86%

$23,290,139,306

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
FARMERS INS EXCH	21652	64%	87%	3,660,960
MID CENTURY INS CO	21687	51%	87%	1,131,892
TRUCK INS EXCH	21709	64%	87%	548,261
FIRE INS EXCH	21660	68%	87%	530,573
FOREMOST INS CO GRAND RAPIDS MI	11185	61%	72%	301,509
COAST NATL INS CO	25089	56%	64%	194,918
21ST CENTURY INS CO	12963	69%	98%	173,275
FARMERS INS CO OF OR	21636	52%	75%	80,340
ECONOMY FIRE & CAS CO	22926	61%	80%	63,393
21ST CENTURY CENTENNIAL INS CO	34789	71%	94%	14,901
21ST CENTURY PREMIER INS CO	20796	98%	87%	708
21ST CENTURY CAS CO	36404	72%	—	0
21ST CENTURY N AMER INS CO	32220	263123%	—	0
FARMERS DIRECT PROP & CAS INS CO	25321	72%	—	0
FARMERS GRP PROP & CAS INS CO	34339	59%	—	0
FARMERS INS CO INC	21628	52%	—	0
FARMERS SPECIALTY INS CO	43699	82%	—	0
FOREMOST PROP & CAS INS CO	11800	63%	—	0
FOREMOST SIGNATURE INS CO	41513	81%	—	0

▶ BROOKFIELD REINS LTD GRP

71%

74%

$1,465,016,264

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMERICAN NATIONAL PROP & CAS CO	28401	70%	74%	189,878
ARGONAUT INS CO	19801	64%	68%	16,507
AMERICAN NATL GEN INS CO	39942	78%	75%	2,058

▶ AMERICAN FAMILY

75%

69%

$11,041,795,385

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMERICAN FAMILY CONNECT PROP & CAS I	29068	87%	74%	732,042
PERMANENT GEN ASSUR	37648	60%	57%	330,165
MIDVALE IND CO	27138	112%	76%	58,496
AMERICAN FAMILY CONNECT INS CO	12504	106%	—	0
AMERICAN FAMILY INS CO	10386	78%	—	0
AMERICAN FAMILY MUT INS CO SI	19275	60%	—	0
AMERICAN STANDARD INS CO OF OH	10387	106%	—	0
AMERICAN STANDARD INS CO OF WI	19283	39%	—	0
AUSTIN MUT INS CO	13412	66%	—	0
GRAIN DEALERS MUT INS CO	22098	98%	—	0
HOMESITE INS CO OF GA	10745	51%	—	0
MAIN ST AMER ASSUR CO	29939	48%	—	0
MAIN STREET AMER PROTECTION INS CO	13026	77%	—	0
NGM INS CO	14788	46%	—	0
OLD DOMINION INS CO	40231	68%	—	0
PERMANENT GEN ASSUR CORP OF OH	22906	65%	—	0
THE GEN AUTOMOBILE INS CO INC	13703	65%	—	0

▶ Lemonade Insurance Company

97%

46%

$23,190,879

▶ UTICA

73%

69%

$333,355,582

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
UTICA MUT INS CO	25976	75%	69%	129,978
GRAPHIC ARTS MUT INS CO	25984	100%	71%	1,089
FOUNDERS INS CO	14249	64%	—	0
REPUBLIC FRANKLIN INS CO	12475	64%	—	0
UTICA NATL INS CO OF TX	43478	79%	—	0

▶ AUTO OWNERS

67%

74%

$338,238,968

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
CALIFORNIA CAPITAL INS CO	13544	62%	74%	28,412
EAGLE W INS CO	12890	67%	74%	7,452
CONCORD GEN MUT INS CO	20672	76%	—	0
GREEN MOUNTAIN INS CO INC	20680	73%	—	0

▶ WR BERKLEY

61%

79%

$301,728,396

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
BERKLEY INS CO	32603	66%	79%	17,933
BERKLEY NATL INS CO	38911	109%	—	0
BERKLEY REGIONAL INS CO	29580	-51%	—	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	52%	—	0

▶ MUNICH RE

49%

89%

$607,976,789

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMERICAN MODERN HOME INS CO	23469	43%	89%	5,949
AMERICAN FAMILY HOME INS CO	23450	42%	90%	5,878
AMERICAN MODERN PROP & CAS INS CO	42722	56%	90%	2,686
AMERICAN ALT	19720	79%	—	0

▶ MARKEL

70%

69%

$4,180,775,893

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
STATE NATL INS CO INC	12831	88%	55%	89,678
ESSENTIA INS CO	37915	49%	86%	83,426
NATIONAL SPECIALTY INS CO	22608	66%	55%	44,841
MARKEL INS CO	38970	13%	85%	16,555
MARKEL AMER INS CO	28932	45%	84%	10,284
UNITED SPECIALTY INS CO	12537	105%	—	0

▶ PROGRESSIVE

66%

72%

$101,779,599,447

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
PROGRESSIVE DIRECT INS CO	16322	65%	73%	13,540,030
PROGRESSIVE CAS INS CO	24260	67%	74%	8,166,484
UNITED FINANCIAL CAS CO	11770	75%	63%	2,308,346
PROGRESSIVE SELECT INS CO	10192	59%	73%	2,103,731
PROGRESSIVE NORTHWESTERN INS CO	42919	63%	72%	377,487
DRIVE INS CO	27804	71%	73%	342,229
PROGRESSIVE SPECIALTY INS CO	32786	63%	72%	220,200
PROGRESSIVE EXPRESS INS CO	10193	47%	45%	164,521
PROGRESSIVE ADVANCED INS CO	11851	64%	71%	143,884
ARTISAN & TRUCKERS CAS CO	10194	69%	—	0
DRIVE NJ INS CO	11410	75%	—	0
MOUNTAIN LAUREL ASSUR CO	44180	69%	—	0
PROGRESSIVE AMER INS CO	24252	73%	—	0
PROGRESSIVE BAYSIDE INS CO	17350	54%	—	0
PROGRESSIVE CHOICE INS CO	44288	86%	—	0
PROGRESSIVE CLASSIC INS CO	42994	63%	—	0
PROGRESSIVE CNTY MUT INS CO	29203	69%	—	0
PROGRESSIVE FREEDOM INS CO	12302	80%	—	0
PROGRESSIVE GARDEN STATE INS CO	14800	75%	—	0
PROGRESSIVE GULF INS CO	42412	69%	—	0
PROGRESSIVE HI	10067	69%	—	0
PROGRESSIVE MARATHON INS CO	37605	74%	—	0
PROGRESSIVE MAX INS CO	24279	67%	—	0
PROGRESSIVE MI INS CO	10187	72%	—	0
PROGRESSIVE MOUNTAIN INS CO	35190	69%	—	0
PROGRESSIVE NORTHERN INS CO	38628	69%	—	0
PROGRESSIVE PALOVERDE INS CO	44695	67%	—	0
PROGRESSIVE PREFERRED INS CO	37834	70%	—	0
PROGRESSIVE PREMIER INS CO OF IL	21735	71%	—	0
PROGRESSIVE SECURITY INS CO	10050	60%	—	0
PROGRESSIVE SOUTHEASTERN INS CO	38784	72%	—	0
PROGRESSIVE UNIVERSAL INS CO	21727	67%	—	0

▶ LIBERTY MUTUAL

62%

75%

$25,145,809,421

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
LIBERTY MUT INS CO	23043	42%	75%	2,144,296
EMPLOYERS INS CO OF WAUSAU	21458	69%	75%	343,088
LIBERTY MUT FIRE INS CO	23035	56%	75%	343,088
OHIO CAS INS CO	24074	-144%	75%	343,088
SAFECO INS CO OF AMER	24740	68%	75%	257,316
PEERLESS INS CO	24198	62%	74%	204,251
AMERICAN ECONOMY INS CO	19690	68%	—	0
AMERICAN FIRE & CAS CO	24066	-6014%	—	0
AMERICAN STATES INS CO	19704	74%	—	0
AMERICAN STATES INS CO OF TX	19712	550%	—	0
AMERICAN STATES PREFERRED INS CO	37214	66%	—	0
FIRST LIBERTY	33588	55%	—	0
FIRST NATL INS CO OF AMER	24724	70%	—	0
GENERAL INS CO OF AMER	24732	57%	—	0
LIBERTY	42404	40%	—	0
LM GEN INS CO	36447	54%	—	0
LM	33600	52%	—	0
NETHERLANDS INS CO THE	24171	78%	—	0
OHIO SECURITY INS CO	24082	76%	—	0
PEERLESS IND INS CO	18333	78%	—	0
PLAZA INS CO	30945	-17207%	—	0
SAFECO INS CO OF IL	39012	64%	—	0
SAFECO INS CO OF OR	11071	74%	—	0
WAUSAU UNDERWRITERS INS CO	26042	62%	—	0
WEST AMER INS CO	44393	-8557%	—	0

▶ AUTO CLUB ENTERPRISES

74%

63%

$12,919,972,611

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
INTERINS EXCH OF THE AUTOMOBILE CLUB	15598	74%	63%	2,718,298
AUTOMOBILE CLUB INTERINS EXCH	15512	77%	—	0

▶ AIG

55%

82%

$777,485,671

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
NATIONAL UNION FIRE INS CO OF PITTSB	19445	50%	82%	378,672
AMERICAN HOME ASSUR CO	19380	-81%	82%	351,567
AIG PROP CAS CO	19402	55%	—	0
AIU INS CO	19399	11%	—	0
INSURANCE CO OF THE STATE OF PA	19429	66%	—	0
NEW HAMPSHIRE INS CO	23841	5286%	—	0

▶ Benchmark Insurance Company

53%

83%

$44,124,782

▶ UNITED SERV AUTOMOBILE ASSN

71%

64%

$63,302,896,206

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
USAA	25941	71%	64%	10,578,536
USAA CAS INS CO	25968	70%	64%	9,305,925
USAA GEN IND CO	18600	74%	65%	5,806,892
GARRISON PROP & CAS INS CO	21253	70%	65%	3,251,755
NOBLR RECIP EXCH	16461	103%	—	0

▶ MAPFRE

66%

70%

$4,298,233,722

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMERICAN COMMERCE INS CO	19941	64%	71%	104,417
COMMERCE W INS CO	13161	71%	67%	43,435
MAPFRE INS CO	23876	74%	70%	23,282
COMMERCE INS CO	34754	65%	—	0

▶ DB Insurance Co., Ltd.(U.S. Branch)

79%

56%

$16,724,359

▶ ASSURANT INC

51%

81%

$17,839,415

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMERICAN BANKERS INS CO OF FL	10111	52%	81%	3,666
AMERICAN SECURITY INS CO	42978	-182%	86%	116

▶ TRISURA

70%

61%

$147,593,478

▶ Spinnaker Insurance Company

67%

63%

$17,265,919

▶ SENTRY

59%

69%

$2,486,828,675

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
SENTRY INS CO	24988	59%	69%	468,900
MIDDLESEX INS CO	23434	58%	72%	23,113
VIKING INS CO OF WI	13137	58%	72%	17,478
POINT SPECIALTY INS CO	25747	-7119%	—	0
SENTRY SELECT INS CO	21180	59%	—	0

▶ INCLINE INS GRP LLC GRP

71%

51%

$363,189,857

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
INCLINE CAS CO	11090	73%	56%	11,425
INCLINE NATL INS CO	19269	69%	36%	4,338

▶ Root Insurance Company

58%

52%

$2,094,327,397

▶ Loya Casualty Insurance Company

60%

46%

$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.