How We Score
Our scores are built entirely from public regulatory data. No paid placements. No insurer relationships.
The core question we answer
“Who treats you fairly when you actually file an auto claim?”
Most insurance comparison sites tell you who's cheapest. We tell you who treats you fairly after an accident. Complaint data from state regulators is the closest publicly available proxy for this. It measures how often policyholders felt wronged enough to formally complain — and in states like California, how often those complaints were found to be the insurer's fault.
State data sources — Auto Insurance (14 states)
We aggregate data from state insurance regulators. Each state uses its own methodology for measuring insurer complaints — we normalize these into a common A–F grade. See full data access details →
Grading scale
We translate regulatory complaint data into letter grades for clarity:
| Grade | Meaning |
|---|---|
| A | Far fewer complaints than industry average |
| B | Below-average complaints |
| C | Near industry average |
| D | Above-average complaints |
| F | Far more complaints than average |
Each state's complaint index or ratio is normalized to the state's own industry average. A company with half the average complaints earns an A; twice the average earns an F. National grades average across all states where data is available.
What we do not do
- ✕ Accept payment from insurers to influence rankings
- ✕ Use self-reported insurer data
- ✕ Combine scores into a single opaque number
- ✕ Make editorial claims not backed by the source data
User submissions
Users can submit their own claim experiences through our structured form. These submissions are self-reported and unverified at this time. All user-submitted content is clearly labeled as such and kept separate from regulatory data in our scoring.
We do not collect names or contact information with submissions.
Data freshness
All regulatory data is annual. Scores reflect the most recently published year from each source, which is noted on every score. Insurance company behavior can change — a score from 2023 data may not reflect today's claims handling.