Pricing – 40% of overall score

Pricing is the most heavily weighted factor in our ratings because we understand that cost is a primary concern for most consumers. We evaluate:

• Average premiums for full and minimum coverage for a typical good driver
• Average costs for various driver profiles (e.g., drivers with DUIs, accidents, tickets, teens, and those with low credit scores)
• Available discounts, including popular options like bundling, good student discounts, and telematics programs

To gather this information, we use a combination of industry research, analytics, and our own proprietary data.

Claims Handling – 25% of overall score

Claims fulfillment is the core service of an insurance company. An efficient process makes filing a claim less stressful. We assess:

• The company’s track record for timely claim payments
• Customer satisfaction with the company’s claims process
• Feedback from collision repair shops on the insurer’s practices
• Financial stability, ensuring the company’s ability to pay out claims

Our primary sources for this information include:

• J.D. Power’s Claims Satisfaction Report
• CRASH Network’s annual Insurer Report Card
• Financial strength ratings from AM Best and S&P
• Real-life customer experiences (when available)

Customer Experience – 25% of overall score

We evaluate the overall customer experience, from getting a quote to managing your policy. Key factors include:

• Ease of obtaining a quote and purchasing a policy
• Quality of customer service and support
• Availability of local agents
• Online tools and mobile apps for policy management
• Accessibility of policy documents and ID cards

Our assessment is based on:

• J.D. Power’s U.S. Auto Insurance Study
• J.D. Power’s U.S. Insurance Shopping Study
• J.D. Power’s Digital Experience Study
• National Association of Insurance Commissioners (NAIC) Complaint Index
• Mobile app ratings from the App Store and Google Play
• Real-life customer experiences (when possible)

Coverage Options – 10% of overall score

We review the range of coverage options each insurer offers, including:

• Standard coverage types (e.g., liability, medical payments/PIP, uninsured/underinsured motorist, comprehensive and collision)
• Additional coverage options (e.g., GAP insurance, rideshare coverage, accident forgiveness)
• Customization options for policies

This information is primarily gathered directly from insurance providers.