TheCarInsuranceGuide.com

Best Car Insurance Companies
for service and handling claims
in 2025

Reviews and ratings on the Car Insurance Companies that are the best choice for service and handling claims.
Get coverage, premium and discount information from our list of Top Car Insurance companies.

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Best Car Insurance Companies for Claims & Service in

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Ratings Methodology

TheCarInsuranceGuide.com has conducted interviews with insurance agents to gather opinions on the service and claims handling provided by the major insurance carriers. The comments and ratings of our best service reviews is the product of this proprietary research.

Best for Service & Claims Ratings

Service & Claims Ratings Highlights

Travelers

Service & Claims Score

Travelers

When it comes to claims, Travelers really shines. They are consistently rated among the best as far as customer service goes, and their claims handling is no exception -- they employ over 12,000 claims-focused employees, so you know you'll be well taken care of.

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21st Century

Service & Claims Score

21st Century

For the most part, 21st handles claims well, with a few exceptions. You can generally expect good service when working with them.

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AAA Southern California

Service & Claims Score

AAA Southern California

They do quite well when it comes to claims handling. In general, their service is prompt and precise, which is what you want in the aftermath of an accident.

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AAA Southern California

Service & Claims Score

AAA Southern California

They do quite well when it comes to claims handling. In general, their service is prompt and precise, which is what you want in the aftermath of an accident.

See car insurance offer from AAA Southern California
AARP Auto Insurance from The Hartford

Service & Claims Score

AARP Auto Insurance from The Hartford

Customer satisfaction is relatively high with The Hartford, though some say their claims department leaves something to be desired.

See car insurance offer from AARP Auto Insurance from The Hartford
Liberty Mutual

Service & Claims Score

Liberty Mutual

Claims servicing is one area that Liberty really shines. Their quality customer service makes it quick and easy to file a claim, and you can expect a prompt response once you do.

See car insurance offer from Liberty Mutual
Novo

Service & Claims Score

Novo

Novo aims to make the claims experience as easy a possible. Claims reporting can be done online or by phone, and customers can expect a quick response.

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Allstate

Service & Claims Score

Allstate

Survey respondents ranked Allstate in the middle of the pack when it comes to claims servicing.

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Bristol West

Service & Claims Score

Bristol West

Reviews indicate that their claims response quality can be varied, with some customers stating the company can be a bit slow to respond.

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Mile Auto

Service & Claims Score

Mile Auto

Customer reviews indicate that Mile Auto's claims handling is about average, with many complaining response times can be slow when compared to some of the bigger brands.

See car insurance offer from Mile Auto
Plymouth Rock Assurance

Service & Claims Score

Plymouth Rock Assurance

According to the agents we surveyed, Plymouth Rock's reputation for handling claims is fairly high, which makes sense given the high quality of their customer service altogether. While they do not have the lowest prices, their customers can expect to have their accidents handled smoothly.

See car insurance offer from Plymouth Rock Assurance
Progressive

Service & Claims Score

Progressive

Progressive came up as one of the top insurance companies for addressing claims, which is particularly impressive given that they also offer such low rates. In fact, no other insurance company that we've reviewed scored higher than average on both price and claims servicing.

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HiRoad

Service & Claims Score

HiRoad

Customer reviews are overall positive when it comes to HiRoad's claims department -- though some customers wished the service were a bit more prompt, most liked how easy it was to report an accident.

See car insurance offer from HiRoad
Hugo Insurance

Service & Claims Score

Hugo Insurance

Claims experiences vary overall, but most customers were fairly satisfied with Hugo's response to their needs after an accident.

See car insurance offer from Hugo Insurance
Lemonade

Service & Claims Score

Lemonade

They have an incredibly convenient app that makes handling claims simple -- no matter what time it is, drivers can submit claims and expect a swift response.

See car insurance offer from Lemonade
Root Insurance

Service & Claims Score

Root Insurance

Reviews of Root's ability to handle claims have been positive. Like many other companies, claims can easily be made through an app on your mobile phone.

See car insurance offer from Root Insurance
USAA Auto

Service & Claims Score

USAA Auto

USAA has a reputation among both their customer base and experienced insurance agents for handling claims quickly and professionally.

See car insurance offer from USAA Auto
Branch Insurance

Service & Claims Score

Branch Insurance

Customers can file claims online or on the app 24/7, and are assigned a Claims Guide for any assistance needed. Responses are generally quick.

See car insurance offer from Branch Insurance
Doc Auto Insurance

Service & Claims Score

Doc Auto Insurance

Claims will depend on the carrier you choose, but by shopping through Doc Auto, you can rely on their assistance when claims filing does come up.

See car insurance offer from Doc Auto Insurance
Elephant

Service & Claims Score

Elephant

With their Claims Photo App, Elephant has one of the more streamlined claims filing processes that we've seen. Drivers can report claims in a matter of minutes by simply uploading a photo. As far as how they handle claims once they receive them, customer reviews indicate that this is more of a mixed bag -- though that is the case with many insurers.

See car insurance offer from Elephant
State Farm

Service & Claims Score

State Farm

State Farm has a hit-or-miss reputation when it comes to claims handling, as is the case with many insurers. Their ample staff ensures that you won't have to wait long for a response, but of course there are times when they miss the mark.

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Clutch Insurance

Service & Claims Score

Clutch Insurance

Our auto Insurance agent respondents thought that handling claims was not Clutch Insurance's strong suit. If you have options and are very concerned with how claims are handled, you may want to explore other auto insurance companies.

See car insurance offer from Clutch Insurance
Direct Auto

Service & Claims Score

Direct Auto

Handling claims has not been Direct Auto's strong suit historically, but this is slowly improving over time. If you have options and are especially concerned with how claims are handled, you may want to explore other auto insurance companies.

See car insurance offer from Direct Auto
Experian

Service & Claims Score

Experian

Each carrier handles claims differently. As Experian works with the top brands, you can expect good service in most cases.

See car insurance offer from Experian
Hub - Auto

Service & Claims Score

Hub - Auto

Claims handing will be up to the carrier you ultimately choose.

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Jerry

Service & Claims Score

Jerry

Claims response will depend on the carrier in question.

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Jupiter

Service & Claims Score

Jupiter

Claims servicing is about average with Jupiter. They are usually responsive, but of course cases slip through the cracks from time to time.

See car insurance offer from Jupiter
LOOP

Service & Claims Score

LOOP

As a new carrier with limited availability, reviews on LOOP's handling of claims in particular are hard to find at this time.

See car insurance offer from LOOP
Mercury

Service & Claims Score

Mercury

The company does a good job when it comes to claims and customer service in general. Most customers are left satisfied.

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Clearcover

Service & Claims Score

Clearcover

Claims can be handled via mobile app, telephone or email. To reduce costs, Clearcover would prefer customers use their app.

See car insurance offer from Clearcover
Infinity

Service & Claims Score

Infinity

According to our survey respondents, handling claims is not Infinity's strong suit. If you have other options and are very concerned with how claims are handled, you may want to explore other auto insurance companies.

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National Family Assurance

Service & Claims Score

National Family Assurance

Each carrier handles claims differently, so this will depend on which one you opt to work with.

See car insurance offer from National Family Assurance
The Rate Chopper

Service & Claims Score

The Rate Chopper

The handling of claims is up to the carrier. Drivers should research their options and choose the one best suited to their needs.

See car insurance offer from The Rate Chopper
Compare

Service & Claims Score

Compare

Claims proficiency will be dependent on the ultimate carrier chosen.

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Dairyland

Service & Claims Score

Dairyland

Dairyland's claims handling is decent. Most claims are handled efficiently, but there are of course some exceptions, as with most other insurers. When it comes to their customer service, the company does require that new customers work with their agents to start a new policy -- a requirement which can help to enhance your insurance experience.

See car insurance offer from Dairyland
Esurance

Service & Claims Score

Esurance

Our auto Insurance agent respondents thought that Esurance wasn't strong in managing and servicing claims. Other insurance companies may be a better match if you are focused on quick and easy resolution of a claim.

See car insurance offer from Esurance
Gainsco

Service & Claims Score

Gainsco

Gainsco has an easy-to-access online portal where claims can be submitted 24/7. Customers can generally expect a quick response.

See car insurance offer from Gainsco
Geico

Service & Claims Score

Geico

Our auto Insurance agent respondents rank GEICO near the bottom on claims. Although great on price, they may not offer the best customer service in the event of an accident

See car insurance offer from Geico
Get My Quotes Now

Service & Claims Score

Get My Quotes Now

Claims handling depends on the carrier you ultimately choose.

See car insurance offer from Get My Quotes Now
InsuredNation

Service & Claims Score

InsuredNation

Each carrier handles claims differently.

See car insurance offer from InsuredNation
Insurify

Service & Claims Score

Insurify

Claims proficiency will be dependent on the ultimate carrier chosen.

See car insurance offer from Insurify
Metromile

Service & Claims Score

Metromile

Metromile began writing its own policies in just 2016, so it's relatively new to the servicing side of the insurance business. As such, They are perceived as lagging behind its more experienced rivals in the area of claims. However, survey respondents indicated that this is changing gradually as the company gets more comfortable in their new position.

See car insurance offer from Metromile
Savvy Car Insurance

Service & Claims Score

Savvy Car Insurance

Claims are handled differently by each carrier, so your mileage here will depend on the carrier you go with.

See car insurance offer from Savvy Car Insurance
The Zebra

Service & Claims Score

The Zebra

Claims proficiency will be dependent on the ultimate carrier chosen.

See car insurance offer from The Zebra
Agile Rates

Service & Claims Score

Agile Rates

Claims proficiency will be dependent on the ultimate carrier chosen.

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Answer Financial

Service & Claims Score

Answer Financial

How the carrier handles claims is entirely up to them, but drivers can research their options and pick the best one for their needs.

See car insurance offer from Answer Financial
AutoInsurance.com

Service & Claims Score

AutoInsurance.com

Claims handling depends on the carrier chosen.

See car insurance offer from AutoInsurance.com
AutoInsurance.org

Service & Claims Score

AutoInsurance.org

How claims are handled is dependent on the carrier. Drivers should research each option and choose what suits them the best.

See car insurance offer from AutoInsurance.org
Bankrate

Service & Claims Score

Bankrate

Claims experiences will vary by provider.

See car insurance offer from Bankrate
Best Auto Insurance

Service & Claims Score

Best Auto Insurance

Each carrier handles claims in their own way. With some research, drivers can find a carrier that handles claims how they like.

See car insurance offer from Best Auto Insurance
Car Insurance MKT

Service & Claims Score

Car Insurance MKT

The handling of claims is up to the carrier. With plenty of options to choose from, drivers can find the best fit for them.

See car insurance offer from Car Insurance MKT
CarInsurance.net

Service & Claims Score

CarInsurance.net

How a carrier chooses to handle claims is up to them. Potential customers should research each carrier and decide from there.

See car insurance offer from CarInsurance.net
Cheaper-Quotes.com

Service & Claims Score

Cheaper-Quotes.com

Claims handling will depend on the carrier you ultimately choose.

See car insurance offer from Cheaper-Quotes.com
Comparisons.org

Service & Claims Score

Comparisons.org

The carrier you choose to buy a policy from will determine how claims are handled.

See car insurance offer from Comparisons.org
Everquote

Service & Claims Score

Everquote

Claims are handled by the carriers themselves. Customers should research beforehand to ensure their insurer deals with claims appropriately.

See car insurance offer from Everquote
FinanceBuzz

Service & Claims Score

FinanceBuzz

Each carrier handles claims differently.

See car insurance offer from FinanceBuzz
Finder

Service & Claims Score

Finder

Claims proficiency depends of the specific carrier. Consumers should research each option to make the best choice for their situation.

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Gabi

Service & Claims Score

Gabi

As Gabi finds customers a list of potential provider options, the claims handling will be up to the insurer you ultimately choose.

See car insurance offer from Gabi
Insurance Rates for Less

Service & Claims Score

Insurance Rates for Less

Claims handling depends on the carrier.

See car insurance offer from Insurance Rates for Less
InsuranceHoney

Service & Claims Score

InsuranceHoney

Claims handling is up the carrier, but drivers can expect to find the right fit from the many options offered.

See car insurance offer from InsuranceHoney
Insure.com

Service & Claims Score

Insure.com

Claims are handled by the provider.

See car insurance offer from Insure.com
National Auto Quotes

Service & Claims Score

National Auto Quotes

Claims handling depends on the carrier themselves.

See car insurance offer from National Auto Quotes
NerdWallet

Service & Claims Score

NerdWallet

Claims handling depends on the carrier chosen.

See car insurance offer from NerdWallet
Otto Insurance

Service & Claims Score

Otto Insurance

Claims handling will depend on the carrier you opt for.

See car insurance offer from Otto Insurance
Peklava

Service & Claims Score

Peklava

Claims handling depends on the carrier chosen.

See car insurance offer from Peklava
Pretected

Service & Claims Score

Pretected

The way a carrier handles claims is up to them. With some research, drivers can expect to find a carrier that suits their needs.

See car insurance offer from Pretected
Provide Insurance

Service & Claims Score

Provide Insurance

Each carrier handles claims on their own terms, and drivers should research ahead of time to make sure the policy they choose fits their preferences.

See car insurance offer from Provide Insurance
Quote By Zip

Service & Claims Score

Quote By Zip

How claims are handled depends on the carrier in question. The driver should research the suggested carriers and choose the best one on their own.

See car insurance offer from Quote By Zip
QuoteWizard

Service & Claims Score

QuoteWizard

Claims are handled by the provider.

See car insurance offer from QuoteWizard
SavingsJoy

Service & Claims Score

SavingsJoy

Claims handling is up the carrier, but drivers can expect to find the right fit from the many options offered.

See car insurance offer from SavingsJoy
Smart Financial

Service & Claims Score

Smart Financial

Carriers are in charge of how they handle claims. Drivers can look into each carrier carefully in order to make sure they go with the best fit.

See car insurance offer from Smart Financial
Spark Auto Insurance

Service & Claims Score

Spark Auto Insurance

Each carrier handles claims differently.

See car insurance offer from Spark Auto Insurance
Squeeze

Service & Claims Score

Squeeze

Claims are handled by the provider.

See car insurance offer from Squeeze
Ultimate Insurance

Service & Claims Score

Ultimate Insurance

Claims experiences will vary by provider.

See car insurance offer from Ultimate Insurance
Safe Auto

Service & Claims Score

Safe Auto

Claims handling hasn't historically been a strong suit for Safe Auto, but this has been improving as of late. If customer service is a major issue for you, you may want to look elsewhere, but if you're okay with average treatment, this is an option to consider.

See car insurance offer from Safe Auto
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