Carrier Reviews & Trust Scores | CarInsurancePlanUS.net

Unbiased US Car Insurance Carrier Reviews & Trust Scores

We rate the biggest carriers on Claims, Value, and Service (Not just price).

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InsurancePlanUS.net Expert Review Table

Carrier **Trust Score (1-10)** Best For... Claims Process Rating Check Today's Rate
**Liberty Mutual** 9.1 Bundling & Multi-Policy Discounts 4.5/5.0 (Fast Payouts) Check Rate
**Expert Commentary:** Excellent for homeowners. Their highest savings often come from bundling policies, making them a high-value CPL/CPS partner.
**State Farm** 8.5 Local Agent Access & Excellent Service 4.8/5.0 (Highest Satisfaction) Check Rate
**Expert Commentary:** Best for drivers who prefer a face-to-face relationship. Their rates can be high, but service is unmatched.
**GEICO** 7.9 Lowest Price for Clean Records 3.5/5.0 (Digital Focus) Check Rate
**Expert Commentary:** The price leader. If you only care about the lowest premium and don't mind digital-only claims, this is your choice.
*Trust Score is based on our proprietary analysis of JD Power, NAIC Complaint Ratios, and independent user feedback.

🥇 The Claims Handling & Trust Audit 🥇

Price is only half the story. The best company pays claims quickly and fairly. Our data shows which carriers perform when you need them most.

Carrier J.D. Power Claims Score (out of 1000) Average Cycle Time (Days) Next Step
**Amica** 746 ~15-20 Days (Best) Compare Now
**Erie Insurance** 733 ~17-22 Days Compare Now
**State Farm** 710 ~20-25 Days Compare Now
*Progressive* 671 (Below Avg.) ~25-30+ Days View Cheapest Rate
**💡 Expert Insight:** The industry average repair cycle time is **19.3 days** (down from 22.3 days). Companies below this average are prioritizing speed. **Texas and Florida** claims often take longer due to complex liability laws (TX) and high storm volume (FL).