10 Best Auto Insurance Companies for Claims Handling in 2025 (Top Providers Ranked)

The best auto insurance companies for claims handling are American Family, Auto-Owners, and State Farm, all delivering great service starting for under $65 a month.

Our Top 10 Picks: Best Auto Insurance Companies for Claims Handling

American Family stands out with its quick 24-hour claims turnaround, so you’re not left waiting after an accident.

Auto-Owners keeps things personal, connecting you directly with local claims reps, while State Farm’s convenient app makes filing and tracking claims simple, right from your phone.

Need guidance on how to file an auto insurance claim? Use our free quote tool to compare providers that make the process fast and stress-free.

Auto Insurance Rates From the Best Companies for Claims

Drivers looking for the best company for a car insurance claim often opt for full coverage since it typically includes built-in perks that speed up the process.

Auto Insurance Monthly Rates by Coverage Level

If your car’s totaled or stuck in repairs, full coverage can fast-track claims and include rental support as an add-on. Companies with the best claims handling often incorporate those perks into their policies.

Minimum coverage works best if your car’s older or paid off, but it usually comes with more out-of-pocket risk. Compare liability-only vs. full coverage auto insurance to learn more.

How Age Impacts Auto Insurance Rates After a Claim

If you’re just getting your license, shopping for coverage early might seem smart, but it can actually lock you into sky-high rates. That’s because insurers are looking at how little time you’ve spent behind the wheel.

Auto Insurance Monthly Rates by Age

Filing a quote at 16-years-old could mean monthly rates over $400. Without a driving history, insurers see you as high risk. Before you commit, get multiple auto insurance quotes to see how different companies treat new drivers. Holding off just a few years can lead to major savings once you’ve built some experience.

How Driving Record Affects Rates After Claims

Getting strong claims support matters, but that doesn’t mean your rates stay low after an accident. Even the best auto insurance company for paying claims may still raise your premium if your record takes a hit. That’s why it’s smart to weigh both how they handle service and how they price risk.

Auto Insurance Monthly Rates by Driving Record

If your record’s clean, you’ll likely get the lowest rates. However, one accident or ticket can quickly escalate things, even with insurers that are generally good with claims. A DUI hits even harder, especially on collision auto insurance. It’s always a good idea to ask how long a violation or claim will affect your premium before committing to a policy.

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Ways to Save on Auto Insurance After Claims

Saving money isn’t just about promo codes or loyalty perks. Pay close attention to how your insurer handles your claim and your coverage after filing. For instance, look for claims adjusters who are focused on working with you to lock in the best value rather than settling for the lowest amount as quickly as possible.

Staying organized, avoiding unnecessary claims, and having a good back-and-forth with your claims adjuster can really pay off when something goes wrong. A few smart habits now can save you money and stress later.

• Use Your Insurer’s Repair Network: Companies like Auto-Owners or American Family often process claims faster when you stick with their preferred shops.
• Drop Extras You Don’t Need: If you rarely use rental reimbursement or roadside assistance, removing them could trim your bill.
• Choose Actual Cash Value on Older Cars: If your car isn’t worth much, scaling back coverage might make more financial sense.
• Pay Your Premium Upfront: Some insurers offer lower rates and prioritize claim processing for customers who pay in full.
• Update Your Policy When Life Changes: Changes like working from home or retiring can lower how much you drive, and that can decrease the likelihood of claims, leading to savings.

These small moves might not seem like much, but they can make a big difference over time. You’ll not only save money, but you’ll likely have a smoother experience with the best car insurance companies for claims when it matters most.

Discounts on Car Insurance After Claims

Insurance discounts aren’t just small perks. They can seriously reduce your monthly bill if you qualify for the right ones. The type of car you drive, how you use it, and even the number of cars you insure all factor into what you save.

Top Auto Insurance Discounts by Provider

If you’ve got a clean record and steer clear of tickets or accidents, some companies will knock up to 40% off your rate. Bundling your auto and home policies could save you 25% on both, which adds up to significant savings over time. Usage-based auto insurance programs track your driving habits and can reward low-mileage drivers with significant savings.

Anti-theft features might only save 5–15%, but they’re still worth it in high-risk areas. And if your household has more than one car, some insurers offer multi-vehicle discounts of up to 25%.

Auto Insurance Coverage Options for Claims Handling

When you file a claim, the kind of coverage you have determines how it’s handled—and what gets paid. Liability is what takes care of the other person’s damages if you’re at fault, and it’s usually the first thing insurers look at. If your car’s damaged in a crash, collision coverage helps move your repair claim forward quickly.

Common Auto Insurance Coverages

Comprehensive comes into play when your car’s hit by something unexpected—like hail, theft, or even a deer. If the other driver can’t cover the costs, uninsured or underinsured motorist coverage makes sure your claim doesn’t get stuck. Medical bills? Medical payments and personal injury protection help speed up reimbursement for ER visits, ambulance rides, and even time off work.

And if you need a rental, a tow, or just want to avoid a rate hike after your first accident, extras like rental reimbursement, roadside assistance, and accident forgiveness keep things running smoothly.

Breaking Down Claims Handling Across the U.S.

Some claims are more common than others, and knowing what they are can help you understand what matters in a policy. It also gives you a better idea of what to expect if you ever have to file one.

Most Common Auto Insurance Claims in the U.S.

Collision claims are the most common, accounting for approximately 30% of all auto claims. They usually happen when you hit another car or something like a pole, and they tend to come with higher repair costs and longer wait times. Property damage claims are next at 25%, often involving damage to someone else’s car or property—and things can get a little messy if there’s a dispute about who’s at fault.

Comprehensive auto insurance claims make up 15% and cover things like theft, hail, or a broken window, though you might need extra paperwork to get it processed. Bodily injury claims make up 12% and tend to move slowly since they involve medical records and questions about who’s at fault. Uninsured motorist claims are just 6%, but they’re some of the most frustrating, especially when the other driver can’t pay for anything.

Auto Insurance Claims by State

That’s only part of the picture, though—where you live also plays a big role in how claims are handled. Some states have far more accidents and claims than others, which can affect everything from how quickly your claim gets processed to how much you end up paying.

Annual Traffic Accidents & Claims by State

In California, with 3.5 million accidents and 1.9 million claims annually, insurers are dealing with a heavy volume, which can slow down the process. North Carolina and New York see nearly one claim per accident—something that can drive up rates.

In states like Nevada, where 260,000 of 270,000 accidents result in claims, approvals may occur more quickly; however, insurers tend to be more vigilant in detecting fraud. Lower-claim states, such as Alaska and Vermont, typically experience fewer delays and may offer more competitive premiums.

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Top-Rated Auto Insurance Companies for Claims Handling

When you buy auto insurance, you’re not just signing up for coverage — you’re choosing how things go if you ever need to file a claim. State Farm tops the charts by being one of the largest, but that doesn’t always mean being the best car insurance company for claim settlements.

If a company has a claims satisfaction score under 630, that could mean a longer, more stressful process when you’re already dealing with a tough situation. Some insurers can spot an accident through your phone and start the claims process immediately, while others may leave you waiting on hold. Compare the best car insurance companies for claims handling before you buy to guarantee a smooth customer service experience.

#1 – American Family: Top Pick Overall

Pros

• FastTrack Program: American Family’s FastTrack system delivers 24-hour claims handling for qualifying auto incidents.
• Rental Reimbursement Add-On: Optional coverage provides same-day rental access in the event of claims handling delays.
• KnowYourDrive Discount: Save up to 20% while driving behavior data improves claims handling precision. See how discounts stack up in our American Family auto insurance review.

Cons

• Limited App Features: Claims handling lacks instant damage estimates and shop scheduling tools.
• Not in Every State: AmFam car insurance is only sold in 19 states, limiting out-of-state claims services if you’re traveling.

#2 – Auto-Owners: Best for Add-Ons

Pros

• Rich Add-On Selection: Auto-Owners supports enhanced claims handling through optional coverages like diminished value, accident forgiveness, and rental car reimbursement.
• Exceptional Financial Strength: Auto-Owners’ A++ rating from A.M. Best secures timely claims handling even during disasters. Find out how it ranks in our Auto-Owners insurance review.
• Multi-Policy Savings: Up to 25% discount improves affordability while supporting multi-line claims handling coordination.

Cons

• No Digital Filing: Claims handling must begin with a call or agent visit, not digitally.
• Limited Coverage Availability: Drivers can only buy Auto-Owners insurance in 26 states, making out-of-state claims handling difficult.

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#3 – State Farm: Best for Local Agents

Pros

• Personalized Support: State Farm’s 19,000+ agents provide face-to-face claims handling assistance nationwide. Start with our expert-led State Farm insurance review.
• Top Financial Stability: State Farm’s A++ rating from A.M. Best ensures prompt claims handling even under surge demand.
• Drive Safe & Save App: Up to 30% discount through telematics, which improves the accuracy and speed of claims handling.

Cons

• Slower Complex Cases: Claims handling for high-value vehicles may involve longer processing times.
• Basic Medical Add-Ons: Medical Payments coverage is separate, delaying claims handling in injury-related cases.

#4 – Progressive: Best for Roadside Assistance

Pros

• Emergency Roadside Add-On: Optional 24/7 coverage integrates towing and trip interruption into claims handling. Take a closer look at coverage in our Progressive insurance review.
• Digital Claims Service: Policyholders can file a car insurance claim from the scene of the collision through the mobile app.
• Solid Financial Foundation: Progressive’s A+ rating from A.M. Best supports stable, long-term claims handling capacity.

Cons

• Mid-Level Satisfaction: 638/1000 J.D. Power score reflects occasional delays in claims handling resolution.
• High Deductibles: Collision claims handling often requires a deductible of $1,000 or more before repair work can begin.

#5 – Allstate: Best for Deductible Rewards

Pros

• Deductible Rewards: Earn $100 per year toward deductible reduction, lowering claims handling costs.
• Reliable Financial Support: Allstate’s A+ rating from A.M. Best ensures timely claims handling funding. See what makes it stand out in this Allstate insurance review.
• Drivewise Telematics: Offers up to 40% off and provides usage data that improves claims handling decision-making.

Cons

• Satisfaction Gaps: 629/1000 in J.D. Power’s claims handling ranking indicates inconsistent service.
• App Falls Short: No integrated adjuster communication or repair scheduling within the claims handling interface.

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#6 – Nationwide: Best for Real-Time Alerts

Pros

• SmartRide Integration: The UBI platform monitors driving behavior, allowing faster claims handling through real-time crash alerts.
• Financial Security: Nationwide’s A+ rating from A.M. Best supports strong claims handling even in disaster seasons.
• Deductible Relief: Nationwide’s Vanishing Deductible program reduces your out-of-pocket costs over time, streamlining claims handling when accidents happen.

Cons

• Manual Filing: Claims handling lacks automated or in-app filing functionality. Get the full details in this expert Nationwide auto insurance review.
• Satisfaction Lag: A 628/1000 J.D. Power rating signals delays, especially with coverage verification during claims handling.

#7 – Geico: Best for Cost Savings

Pros

• Low Premium Access: Rates start below $50 per month while maintaining fast digital claims handling via photo tools.
• Multi-Car Discount: Save up to 25% while streamlining claims handling for families with multiple vehicles. Explore savings in our Geico insurance review.
• Superior Financial Rating: Geico’s A++ rating from A.M. Best supports uninterrupted claims handling under pressure.

Cons

• Limited Human Support: Digital claims handling lacks in-person adjusters in most regions.
• Rental Reimbursement Add-On: Not included by default, which may slow claims handling for transportation coverage.

#8 – Farmers: Best for Glass Coverage

Pros

• Glass Buyback Option: Lowers deductible to zero for windshield claims, reducing time in claims handling for repairs. Explore rates and features in our Farmers Insurance review.
• Financial Stability: Farmers’ A rating from A.M. Best supports dependable claims handling for liability and collision incidents.
• Signal Integration: Farmers’ app detects accidents in real time, speeding up claims handling and offering up to 15% off.

Cons

• Below Average Score: A 622/1000 score from J.D. Power reflects customer dissatisfaction with claims handling wait times.
• Limited Tracking: The app lacks step-by-step status updates in claims-handling cases.

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#9 – Liberty Mutual: Best for Customizable Policies

Pros

• Better Car Replacement: Covers the cost of a newer model in total loss claims, enhancing customer satisfaction in claims handling.
• OEM Parts Guarantee: Utilizes original parts for covered repairs, enhancing the quality of claims handling outcomes. Explore key benefits inside our Liberty Mutual insurance review.
• Strong Financial Base: Liberty Mutual’s A rating from A.M. Best helps ensure steady claims handling in widespread events.

Cons

• Poor Regional Consistency: A 616/1000 in J.D. Power’s rankings reflects varying claims handling quality by state.
• Incomplete Digital Tools: The mobile app lacks in-claim messaging and upload capabilities for claims handling.

#10 – Travelers: Best for Discount Options

Pros

• IntelliDrive Discount: Up to 30% off with telematics that helps fast-track minor claims handling decisions. Start comparing plans with the Travelers auto insurance review.
• Decreasing Deductible: $50 off every six months with no claims, easing the out-of-pocket burden during claims handling.
• Strongest Rating: Travelers’ A++ rating from A.M. Best ensures consistent and fast claims handling capacity.

Cons

• Weekend Gaps: Claims handling pauses on Saturdays and Sundays, causing brief processing delays.
• Limited Digital Tools: The Mobile app lacks photo upload and real-time tracking features for claims handling.

How to Choose the Best Auto Insurance Companies for Claims Handling

 

Top 10 Auto Insurance Companies by Premiums Written

nearly $70 billion in premiums and an 88% loss ratio, meaning it pays out on claims while keeping costs steady

But Geico, with the lowest loss ratio at 76%, may be more selective with payouts, especially for minor claims. On the other end, Liberty Mutual pays out more often (with a 97% loss ratio), but that could lead to higher premiums later on.

That’s why our top picks shine even if they aren’t in every state. American Family speeds things up with same-day rentals and 24-hour claim turnaround, while Auto-Owners has an A++ financial strength rating that gives peace of mind that your claim will be paid, even during a bad storm or major accident.

If you’re trying to narrow down your options for the best auto insurance companies for claims handling, here are a few smart things to look for:

• 24-Hour Filing Access: This feature means you can file anywhere at any time, adding convenience and reassurance, especially in emergencies.
• Complaint Data: Check auto insurance reviews on sites like Reddit or Yelp for real customer experiences with claims, especially delays or denials.
• Payout Speed: Ask your provider about timelines, which is vital for those who can’t afford long delays after a loss.
• Preferred Repair Shops: Ensure you can use your preferred shop for repairs, or that you know which local shops your insurer works with.
• Loss Ratio vs. Price: Understand that a company’s claims behavior (like how often it pays out) is just as important as what it charges.

For instance, most companies will total out a vehicle after a collision if the repairs are considered more expensive than the value of the car. If you don’t have another vehicle or rental reimbursement coverage, look for companies that are less likely to total a car, and consider leasing a car if you can’t afford to buy one.

If you’re thinking about switching or just want better support when it’s time to file a claim, try our free quote tool to compare rates and find the best car insurance companies for claims handling that actually fit your needs.

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