Premium comparison and complaint ratios for automobile insurance / Arizona department of insurance.

              2910 N. 44th Street, Ste. 210
Phoenix, AZ 85018
(602) 364-2499
(1-800) 325-2548 outside Phoenix
www.azinsurance.gov
Premium Comparison and
Complaint Ratios for
Automobile
Insurance
Edition 2 – 2010
Arizona
Department
of Insurance
Janice K. Brewer
Governor
Christina Urias
Director
T A B L E O F C O N T E N T S
Premium Comparison and Complaint Ratios for Automobile Insurance
3
Hypothetical 1: Minimum Liability Limit Quotations......................................…............... 4
Hypothetical 2: Other Than Minimum Liability Limit Quotations...................................... 5
Hypothetical 3: Minimum Liability Limit Quotations.........................................…............ 6
Hypothetical 4: Other Than Minimum Liability Limit Quotations...................................... 7
Hypothetical 5: Minimum Liability Limit Quotations.........................................…............ 8
Hypothetical 6: Other Than Minimum Liability Limit Quotations...................................... 9
Hypothetical 7: Minimum Liability Limit Quotations......................................................... 10
Hypothetical 8: Other Than Minimum Liability Limit Quotations...................................... 11
Hypothetical 9: Minimum Liability Limit Quotations......................................................... 12
Hypothetical 10: Other Than Minimum Liability Limit Quotations.................................... 13
Hypothetical 11: Rides Bus To Work....................................................................…....... 14
Hypothetical 12: Drives 15 Miles One Way To Work...................................................... 15
16
17
Notes to the Hypotheticals........................................................................... 19
19
19
Introduction and Important Information......................................................
Unmarried Male, Age 18
Unmarried Female, Age 18
Married Couple, Age 42
Coverages......................................................................................................
Abbreviations Used in This Publication......................................................
Important Note Regarding Complaint Ratios in This Publication.............
Married Couple, Age 42, Husband Had At-fault Accident In 2009
Married Couple, Ages 81 and 80
Unmarried Female, Age 41
Automobile Insurer Telephone Numbers....................................................
INTRODUCTION AND IMPORTANT INFORMATION
Private Passenger Automobile Premium Comparison and Complaint Ratios
The purpose of this Arizona Department of Insurance (ADOI) publication is to encourage consumers to do some
comparison shopping for automobile insurance before making a purchase. The ADOI based the premiums in this
publication on hypothetical situations, so as to provide an example of the available premium range among insurers.
Although actual premiums may vary according to the particulars of an actual application, the wide premium range shown
herein evidences that a competitive market exists and that a consumer, under average circumstances, can save money
by comparing one insurers’ premiums against another’s.
The consumer should evaluate coverage and service, as well as price. The complaint ratios (ratios) provided in this
publication include the number of written complaints ADOI received against individual insurers during the twelve-month
period ending December 31, 2009 and can assist in the consumer’s evaluation process. Please note that the ratios do
not reflect the ADOI’s determination on the merits of each complaint and, although ratios are informative when compared
to one another, the consumer should consider the ratios for a particular insurer in the context of other relevant information
about the insurer and its products.
When considering automobile insurance purchases, consumers should bear in mind these “Consumer Awareness
Points:”
1. Some automobile policies contain an exclusion (commonly referred to as the “Household,” “Family,” or “Intra-Family”
Exclusion), which limits bodily injury liability coverage available to family members (or residents of the household)
injured as a result of the negligence of another insured. Arizona law permits insurers to impose this Exclusion limiting
such coverage to $15,000 per person/$30,000 per occurrence (Arizona’s minimum financial responsibility limits),
despite the amount of liability coverage otherwise purchased under the policy. Typically, the Exclusion states:
We do not provide Liability Coverage for any "insured" for "bodily injury" to you or any "family member" to
the extent that the limits of liability for this coverage exceed the limits of liability required by the Arizona
Financial Responsibility Law.
“Family member” and other key words important to this Exclusion are commonly defined in the policy. To ensure that
the policy meets their coverage expectations, consumers should ask if the offered policy contains this Exclusion, and,
if so, carefully read the Exclusion, together with the entire policy, and consider the option of purchasing additional
coverages to assure that family members/household residents are covered for bodily injury to the extent the
consumer expects and intends.
2. In determining either eligibility for coverage or price, some insurers:
a. Use a person’s credit history. “A Consumer Guide To Understanding How Insurers Use Credit Information” is on
the ADOI’s web site at www.azinsurance.gov and provides answers to the most frequently asked consumer
questions on how insurers use credit history to determine individual rates and coverage availability.
b. Use reports provided by organizations such as the Comprehensive Loss Underwriting Exchange (C.L.U.E.) as
exchanges for loss history information on an insured, or a particular property. Participating member insurers
exchange this prior loss history information between members, sometimes without independent verification of the
validity of the information provided by other members. Consumers who believe the information on their C.L.U.E.
(or similar report) is erroneous should take steps to correct it. Information on C.L.U.E. and how to correct a report
may be obtained at the following web site: www.choicepointinc.com.
3. Insurers are not permitted to increase the “premium of an insured as a result of an accident not caused or significantly
contributed to by the actions of the insured.” A.R.S. § 20-263(A).
This publication and the ADOI’s “A Consumer Guide To Automobile Insurance” can be useful resources. However,
consumers should ultimately consult with an insurance agent or other insurance company representative for details
concerning coverage and other purchasing considerations.
Questions or comments regarding this survey or any other insurance matter should be directed to the ADOI by: a) calling
(602) 364-2499 (Phoenix) or (1-800) 325-2548 statewide, or b) writing the ADOI, 2910 North 44th Street, Suite 210,
Phoenix, Arizona 85018-7269. The ADOI’s web site at www.azinsurance.gov contains this and other consumer-oriented
insurance publications.
URBAN RURAL
NAME OF INSURER Phoenix Scottsdale Mesa Glendale Tucson Casa Grande Flagstaff Nogales Safford Yuma
85053 85257 85202 85301 85719 85222 86001 85621 85546 85364 C E CR
National Surety Corp $1,410 $1,324 $1,383 $1,551 $1,225 $1,281 $1,122 $1,163 $1,166 $1,130 0 172 0.000
Victoria Specialty IC 1,733 1,561 1,368 1,700 1,366 1,335 1,203 1,402 1,186 1,231 6 21,023 0.285
Farmers IC of AZ 1,765 1,789 1,738 1,974 1,679 1,670 1,369 1,261 1,289 1,470 48 409,724 0.117
Government Employees IC 1,869 1,701 1,775 2,079 1,563 1,863 1,551 1,553 1,618 1,517 5 95,677 0.052
United Services Auto Assoc 1,887 1,627 1,674 1,922 1,562 1,532 1,431 1,428 1,176 1,333 8 135,561 0.059
Great Northwest IC 1,980 1,774 1,611 1,948 1,396 1,528 1,374 1,547 1,324 1,441 1 1,375 0.727
Electric IC 2,002 2,058 2,189 2,304 1,956 2,152 1,839 1,688 1,688 1,946 1 11,159 0.090
Bankers Standard IC 2,043 1,715 2,008 2,096 1,819 1,933 1,501 1,600 1,435 1,502 0 195 0.000
State Farm Mutual Auto IC 2,052 1,836 1,863 2,052 1,901 1,744 1,437 1,681 1,437 1,681 43 731,911 0.059
Cincinnati IC 2,082 1,783 1,771 1,919 1,629 1,691 1,251 1,258 1,258 1,353 1 802 1.247
IDS Property Casualty IC 2,104 1,884 1,909 2,104 1,944 1,779 1,433 1,682 1,433 1,682 2 32,734 0.061
American National P&C Co 2,143 1,967 2,269 2,143 1,947 2,092 1,831 1,467 1,684 1,478 3 16,236 0.185
Depositors IC 2,208 1,961 2,019 2,433 1,850 1,907 1,506 1,725 1,578 1,591 0 650 0.000
American Family Mutual IC 2,269 1,860 2,274 2,304 1,949 1,753 1,535 1,753 1,338 1,753 24 274,918 0.087
Austin Mutual IC 2,450 2,042 2,190 2,450 2,165 2,042 1,789 2,032 2,032 2,032 1 11,834 0.085
AAA Members IC 2,543 2,209 2,379 2,624 2,013 2,035 1,666 2,252 1,546 1,900 11 112,526 0.098
Milbank IC 2,556 2,446 2,547 2,696 2,374 2,143 2,175 2,075 1,832 1,868 0 113,310 0.000
Badger Mutual IC 2,741 3,240 2,120 3,067 1,945 2,167 1,948 1,758 1,758 1,758 2 5,015 0.399
MGA IC, Inc. 2,960 3,051 3,115 2,783 2,347 2,139 1,972 2,152 1,962 1,864 8 37,568 0.213
21st Century Advantage IC 2,965 2,589 2,516 3,139 2,427 2,299 1,774 2,556 1,856 2,076 3 19,346 0.155
Starr Ind & Liability Co 3,025 2,530 2,302 2,813 2,705 2,381 1,745 2,126 2,126 2,293 **
Federal IC 3,028 2,641 2,641 3,030 2,493 2,350 1,918 2,591 2,177 2,373 0 1,375 0.000
Hallmark IC 3,046 2,890 2,911 3,046 2,830 1,882 1,636 2,164 1,944 1,865 9 79,583 0.113
Equity IC 3,070 2,760 2,590 2,650 2,430 2,270 2,010 2,220 1,910 2,010 5 5,434 0.920
Safeco IC of America 3,080 2,216 2,244 2,992 2,088 2,216 1,656 2,399 1,651 1,740 5 42,042 0.119
Secura Supreme IC 3,092 2,446 3,047 3,228 2,965 2,413 2,036 2,369 2,350 2,369 0 3,000 0.000
Allstate F&C IC 3,125 2,669 2,757 3,405 2,531 2,848 2,205 2,581 2,339 2,245 17 172,292 0.099
Mapfre IC 3,167 2,795 2,747 3,294 2,578 2,578 2,442 2,478 2,507 2,243 0 679 0.000
Encompass P&C Co 3,225 3,393 3,218 4,332 2,749 3,031 2,536 2,753 2,753 2,191 3 15,005 0.200
United Automobile IC 3,340 3,592 2,904 3,268 2,885 2,806 3,399 3,813 3,813 3,700 7 53,247 0.131
Access IC 3,366 3,147 3,002 2,907 2,856 2,553 2,360 2,424 2,273 2,348 1 7,989 0.125
Progressive Preferred IC 3,422 2,917 2,781 3,672 2,867 2,832 2,268 2,728 2,143 2,510 19 200,920 0.095
QBE Ins Corp 3,437 3,437 3,331 3,437 2,720 3,088 3,122 3,009 3,009 3,009 0 2,467 0.000
Occidental F&C Co of NC 3,446 3,081 2,996 3,075 2,646 2,427 2,089 2,341 1,959 2,001 2 3,355 0.596
Key IC 3,460 3,760 3,538 3,706 3,190 2,752 3,592 2,704 2,704 2,392 0 3,592 0.000
Safeway IC 3,479 2,891 2,816 3,011 2,928 2,699 2,297 2,495 2,279 2,301 7 180,203 0.039
Peak P&C Ins Corp 3,530 3,143 3,161 3,405 3,317 2,524 2,376 2,466 2,226 2,211 3 71,351 0.042
Teachers IC 3,550 2,221 2,221 2,724 2,693 2,323 2,127 2,770 2,441 2,614 0 1,393 0.000
Alpha P&C IC 3,590 3,217 2,990 3,750 2,803 2,965 2,268 2,965 2,405 2,519 4 19,606 0.204
Central Mutual IC 3,617 3,617 3,617 3,617 3,036 3,323 2,988 3,490 2,988 2,988 2 12,902 0.155
Coast National IC 3,676 2,856 2,788 3,741 2,870 2,834 2,192 3,284 2,185 2,641 20 86,307 0.232
Integon Ind Corp 3,676 2,941 3,035 3,504 2,733 2,888 2,394 3,018 2,290 2,899 1 3,657 0.273
Nevada General IC 3,679 2,791 3,193 3,427 2,647 2,329 2,947 2,569 2,425 2,305 0 600 0.000
Primero IC 3,695 3,695 3,575 3,611 3,533 3,533 3,533 3,575 3,497 3,497 1 11,571 0.086
Arizona Automobile IC 3,715 3,635 2,178 3,153 2,095 2,106 2,101 1,759 1,980 1,744 4 29,383 0.136
American Access Casualty Co 3,772 3,713 3,568 3,553 3,274 2,917 4,507 4,507 4,507 4,507 0 4,192 0.000
Anchor General IC 3,848 4,887 3,790 5,071 3,695 4,062 3,765 4,120 3,562 3,858 3 13,927 0.215
Acuity, A Mutual IC 3,870 3,521 3,684 4,022 3,620 3,212 3,023 2,958 2,974 2,872 2 18,625 0.107
Mercury Casualty Co 3,946 3,638 3,304 4,006 3,175 3,317 2,603 3,293 2,738 2,929 6 26,514 0.226
Safe Auto IC 3,983 3,332 3,341 4,018 3,117 2,938 2,392 3,499 2,404 2,973 16 26,859 0.596
Mendota IC 3,991 3,507 3,126 4,062 2,980 3,058 2,722 3,093 2,487 2,401 6 23,439 0.256
Metropolitan Casualty IC 4,022 3,379 3,528 4,601 2,842 3,063 2,831 3,822 2,873 2,492 10 44,548 0.224
Infinity IC 4,046 3,402 3,332 4,452 3,515 3,467 2,948 3,630 2,872 4,292 11 22,733 0.484
Unigard IC 4,052 2,627 2,515 4,011 3,162 3,073 2,387 2,772 2,772 2,451 0 3,331 0.000
Travelers Home and Marine IC 4,312 3,664 3,528 4,066 3,667 3,412 2,971 3,634 3,066 2,823 1 29,194 0.034
Imperial F&C IC 4,475 4,107 3,503 4,420 3,742 4,521 3,257 3,962 3,142 3,555 **
Liberty Mutual Fire IC 4,585 4,277 4,639 5,779 4,722 4,345 3,248 4,316 3,248 4,126 13 92,611 0.140
Southern IC 4,642 4,389 3,744 4,058 3,642 7,300 5,839 5,839 5,839 5,839 1 3,226 0.310
Western General IC 4,665 4,507 4,129 4,511 4,210 3,504 3,264 3,532 3,463 3,311 1 131 7.634
Young America IC 4,677 4,563 3,588 4,047 3,298 3,606 3,216 3,185 3,198 3,144 4 24,679 0.162
Permanent General Assurance Corp 5,065 4,078 4,078 5,065 4,509 3,817 3,229 4,255 3,598 3,395 7 23,124 0.303
Amica Mutual IC 5,083 4,669 4,326 5,071 4,355 4,375 3,615 4,102 4,040 3,895 1 13,441 0.074
Universal North America IC 5,182 5,035 5,121 5,980 4,807 4,852 4,076 4,000 4,000 4,000 0 153 0.000
Topa IC 5,229 4,617 4,213 5,340 3,874 2,857 2,661 2,945 2,716 2,792 0 1,201 0.000
Unitrin Direct P&C Co 5,336 4,526 4,648 5,368 4,283 3,964 3,398 4,657 3,258 4,034 2 9,211 0.217
AssuranceAmerica IC 5,592 5,016 4,267 5,326 4,635 4,280 3,708 4,968 3,873 4,044 5 24,159 0.207
Esurance P&C IC 6,231 5,182 5,265 6,260 4,778 4,351 3,561 5,153 3,607 4,557 0 1,557 0.000
Hartford Casualty IC 6,261 5,267 4,520 7,400 4,906 4,797 3,438 2,981 3,465 3,646 1 3,141 0.318
Santa Fe Auto IC 8,310 8,310 8,310 8,310 7,692 7,080 7,080 7,080 7,080 7,080 0 6,972 0.000
Auto-Owners IC * * * * * * * * * * 0 69 0.000
Civil Service Employees IC * * * * * * * * * * 0 2,684 0.000
Cornerstone National IC * * * * * * * * * * 4 25,524 0.157
Country Preferred IC * * * * * * * * * * 1 30,792 0.032
Farm Bureau Mutual IC * * * * * * * * * * 6 47,727 0.126
Fidelity National IC * * * * * * * * * * 0 3,807 0.000
Kemper Independence IC * * * * * * * * * * 0 15,964 0.000
Merastar IC * * * * * * * * * * 0 341 0.000
Union IC of Providence * * * * * * * * * * 1 1,707 0.586
* This insurer does not provide coverage for this hypothetical. ** New insurer that had no exposures as of December 31, 2009.
Premiums shown are six-month premiums as of September 1, 2010. Complaint Ratio (CR)
# of Complaints (C) divided by # of
Exposures (E) X 1000 = Complaint Ratio
Hypothetical 1: Unmarried male, age 18, drives 15 miles each way to work. He drives a 2010 Ford F150 XLT, 4x2, two-door pickup,
regular cab, 8 cylinders. He has a clean driving record for the last three years and no credit history.
Coverages & Limits: Combined single limit liability of $40,000 or split limits of $15,000/$30,000 BI and $10,000 PD;
medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
URBAN RURAL
NAME OF INSURER Phoenix Scottsdale Mesa Glendale Tucson Casa Grande Flagstaff Nogales Safford Yuma
85053 85257 85202 85301 85719 85222 86001 85621 85546 85364 C E CR
National Surety Corp $1,339 $1,245 $1,312 $1,499 $1,161 $1,194 $1,044 $1,066 $1,081 $1,057 0 172 0.000
Farmers IC of AZ 1,856 1,864 1,810 2,071 1,751 1,751 1,385 1,243 1,312 1,522 48 409,724 0.117
United Services Auto Assoc 2,001 1,708 1,747 2,012 1,638 1,598 1,466 1,490 1,212 1,393 8 135,561 0.059
Victoria Specialty IC 2,092 1,859 1,597 2,138 1,589 1,589 1,384 1,626 1,380 1,445 6 21,023 0.285
IDS Property Casualty IC 2,111 1,897 1,917 2,111 1,972 1,803 1,423 1,689 1,423 1,689 2 32,734 0.061
Government Employees IC 2,125 1,902 1,992 2,332 1,750 2,067 1,703 1,696 1,775 1,704 5 95,677 0.052
Milbank IC 2,186 2,087 2,178 2,306 2,023 1,831 1,835 1,762 1,561 1,589 0 113,310 0.000
Great Northwest IC 2,241 1,982 1,810 2,235 1,558 1,701 1,505 1,691 1,463 1,599 1 1,375 0.727
Electric IC 2,253 2,346 2,514 2,640 2,231 2,394 2,039 1,893 1,893 2,187 1 11,159 0.090
Bankers Standard IC 2,317 1,961 2,259 2,374 2,050 2,124 1,647 1,764 1,599 1,675 0 195 0.000
State Farm Mutual Auto IC 2,385 2,138 2,166 2,385 2,222 2,030 1,643 1,929 1,643 1,929 43 731,911 0.059
AAA Members IC 2,416 2,045 2,201 2,495 1,848 1,868 1,503 2,068 1,410 1,763 11 112,526 0.098
American National P&C Co 2,435 2,194 2,559 2,435 2,196 2,380 2,051 1,620 1,908 1,647 3 16,236 0.185
Depositors IC 2,452 2,172 2,232 2,725 2,049 2,076 1,616 1,857 1,690 1,736 0 650 0.000
Cincinnati IC 2,543 2,166 2,138 2,311 1,981 1,990 1,461 1,474 1,474 1,609 1 802 1.247
American Family Mutual IC 2,582 2,132 2,599 2,627 2,221 1,980 1,739 1,980 1,513 1,980 24 274,918 0.087
21st Century Advantage IC 2,724 2,376 2,323 2,894 2,233 2,100 1,631 2,339 1,698 1,937 3 19,346 0.155
Austin Mutual IC 2,822 2,389 2,539 2,822 2,502 2,389 2,051 2,363 2,363 2,363 1 11,834 0.085
Allstate F&C IC 2,837 2,398 2,495 3,127 2,289 2,540 1,959 2,262 2,064 2,003 17 172,292 0.099
Badger Mutual IC 3,161 3,752 2,483 3,513 2,274 2,486 2,272 2,032 2,032 2,032 2 5,015 0.399
Mapfre IC 3,176 2,805 2,791 3,282 2,580 2,580 2,396 2,402 2,649 2,195 0 679 0.000
Secura Supreme IC 3,218 2,556 3,177 3,363 3,081 2,492 2,113 2,447 2,426 2,447 0 3,000 0.000
Starr Ind & Liability Co 3,417 2,881 2,666 3,156 3,090 2,736 1,945 2,399 2,399 2,542 **
Safeco IC of America 3,539 2,545 2,570 3,452 2,419 2,523 1,925 2,735 1,884 2,016 5 42,042 0.119
Encompass P&C Co 3,578 3,788 3,586 4,874 3,028 3,328 2,712 2,985 2,985 2,391 3 15,005 0.200
Teachers IC 3,604 2,293 2,293 2,755 2,746 2,303 2,030 2,705 2,381 2,500 0 1,393 0.000
Federal IC 3,613 3,121 3,121 3,599 2,968 2,731 2,197 2,997 2,476 2,759 0 1,375 0.000
Progressive Preferred IC 3,846 3,231 3,090 4,272 3,156 3,083 2,414 2,935 2,319 2,770 19 200,920 0.095
Peak P&C Ins Corp 3,995 3,600 3,594 3,856 3,756 2,858 2,654 2,731 2,518 2,488 3 71,351 0.042
Integon Ind Corp 4,075 3,247 3,372 3,877 2,968 3,132 2,570 3,286 2,466 3,181 1 3,657 0.273
Occidental F&C Co of NC 4,145 3,718 3,619 3,704 3,152 2,866 2,425 2,729 2,270 2,303 2 3,355 0.596
Coast National IC 4,160 3,217 3,156 4,222 3,145 3,082 2,369 3,581 2,374 2,975 20 86,307 0.232
Liberty Mutual Fire IC 4,264 3,927 4,277 5,285 4,308 3,907 2,948 3,846 2,948 3,697 13 92,611 0.140
Metropolitan Casualty IC 4,291 3,593 3,714 4,831 3,031 3,202 2,903 3,982 2,981 2,570 10 44,548 0.224
Central Mutual IC 4,342 4,342 4,342 4,342 3,617 3,902 3,382 3,946 3,382 3,382 2 12,902 0.155
Amica Mutual IC 4,345 4,039 3,659 4,353 3,699 3,730 2,930 3,324 3,331 3,206 1 13,441 0.074
Travelers Home and Marine IC 4,405 3,747 3,575 4,195 3,719 3,414 2,932 3,608 3,072 2,850 1 29,194 0.034
Nevada General IC 4,411 3,457 3,943 4,063 3,625 2,851 3,541 3,121 2,791 2,671 0 600 0.000
Acuity, A Mutual IC 4,438 4,016 4,265 4,624 4,125 3,644 3,426 3,339 3,358 3,256 2 18,625 0.107
Alpha P&C IC 4,567 3,988 3,733 4,819 3,467 3,645 2,743 3,629 2,944 3,133 4 19,606 0.204
Unigard IC 4,588 3,010 2,803 4,553 3,625 3,330 2,630 3,070 3,070 2,673 0 3,331 0.000
Mendota IC 4,898 4,222 3,812 5,107 3,591 3,674 3,208 3,685 2,975 2,908 6 23,439 0.256
Mercury Casualty Co 5,091 4,527 4,158 5,230 3,945 4,100 3,183 4,050 3,361 3,669 6 26,514 0.226
Hartford Casualty IC 5,130 4,211 3,638 6,106 3,930 4,005 2,744 2,395 2,722 2,939 1 3,141 0.318
Infinity IC 5,430 4,460 4,398 6,133 4,603 4,500 3,735 4,662 3,715 5,647 11 22,733 0.484
Western General IC 5,497 5,303 4,845 5,244 4,762 3,918 3,691 3,916 3,847 3,652 1 131 7.634
Permanent General Assurance Corp 5,895 4,666 4,666 5,895 5,059 4,303 3,589 4,842 3,962 3,871 7 23,124 0.303
Universal North America IC 6,309 6,116 6,225 7,334 5,750 5,891 4,780 4,686 4,686 4,686 0 153 0.000
Unitrin Direct P&C Co 6,337 5,351 5,489 6,369 4,946 4,556 3,866 5,381 3,733 4,744 2 9,211 0.217
Esurance P&C IC 6,429 5,265 5,366 6,453 4,789 4,329 3,512 5,197 3,586 4,668 0 1,557 0.000
Access IC * * * * * * * * * * 1 7,989 0.125
American Access Casualty Co * * * * * * * * * * 0 4,192 0.000
Anchor General IC * * * * * * * * * * 3 13,927 0.215
Arizona Automobile IC * * * * * * * * * * 4 29,383 0.136
AssuranceAmerica IC * * * * * * * * * * 5 24,159 0.207
Auto-Owners IC * * * * * * * * * * 0 69 0.000
Civil Service Employees IC * * * * * * * * * * 0 2,684 0.000
Cornerstone National IC * * * * * * * * * * 4 25,524 0.157
Country Preferred IC * * * * * * * * * * 1 30,792 0.032
Equity IC * * * * * * * * * * 5 5,434 0.920
Farm Bureau Mutual IC * * * * * * * * * * 6 47,727 0.126
Fidelity National IC * * * * * * * * * * 0 3,807 0.000
Hallmark IC * * * * * * * * * * 9 79,583 0.113
Imperial F&C IC * * * * * * * * * * **
Kemper Independence IC * * * * * * * * * * 0 15,964 0.000
Key IC * * * * * * * * * * 0 3,592 0.000
Merastar IC * * * * * * * * * * 0 341 0.000
MGA IC, Inc. * * * * * * * * * * 8 37,568 0.213
Primero IC * * * * * * * * * * 1 11,571 0.086
QBE Ins Corp * * * * * * * * * * 0 2,467 0.000
Safe Auto IC * * * * * * * * * * 16 26,859 0.596
Safeway IC * * * * * * * * * * 7 180,203 0.039
Santa Fe Auto IC * * * * * * * * * * 0 6,972 0.000
Southern IC * * * * * * * * * * 1 3,226 0.310
Topa IC * * * * * * * * * * 0 1,201 0.000
Union IC of Providence * * * * * * * * * * 1 1,707 0.586
United Automobile IC * * * * * * * * * * 7 53,247 0.131
Young America IC * * * * * * * * * * 4 24,679 0.162
Hypothetical 2: Unmarried male, age 18, drives 15 miles each way to work. He drives a 2010 Ford F150 XLT, 4x2, two-door pickup,
regular cab, 8 cylinders. He has a clean driving record for the last three years and no credit history.
Coverages & Limits: Combined single limit liability of $300,000 or split limits of $100,000/$300,000 BI and $50,000 PD;
medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
Premiums shown are six-month premiums as of September 1, 2010. Complaint Ratio (CR)
* This insurer does not provide coverage for this hypothetical. ** New insurer that had no exposures as of December 31, 2009.
# of Complaints (C) divided by # of
Exposures (E) X 1000 = Complaint Ratio
URBAN RURAL
NAME OF INSURER Phoenix Scottsdale Mesa Glendale Tucson Casa Grande Flagstaff Nogales Safford Yuma
85053 85257 85202 85301 85719 85222 86001 85621 85546 85364 C E CR
National Surety Corp $1,107 $1,038 $1,088 $1,288 $960 $1,003 $872 $903 $908 $882 0 172 0.000
Government Employees IC 1,172 1,066 1,120 1,292 965 1,111 919 897 941 919 5 95,677 0.052
Great Northwest IC 1,454 1,306 1,187 1,430 1,026 1,123 1,013 1,134 974 1,058 1 1,375 0.727
Victoria Specialty IC 1,519 1,367 1,200 1,499 1,197 1,175 1,050 1,224 1,040 1,081 6 21,023 0.285
State Farm Mutual Auto IC 1,552 1,388 1,409 1,552 1,438 1,320 1,086 1,273 1,086 1,273 43 731,911 0.059
Cincinnati IC 1,576 1,351 1,338 1,453 1,232 1,278 948 953 953 1,024 1 802 1.247
Electric IC 1,604 1,649 1,754 1,846 1,568 1,723 1,473 1,350 1,350 1,558 1 11,159 0.090
United Services Auto Assoc 1,611 1,386 1,424 1,637 1,331 1,298 1,202 1,211 999 1,133 8 135,561 0.059
Bankers Standard IC 1,638 1,376 1,609 1,679 1,456 1,547 1,203 1,281 1,150 1,203 0 195 0.000
Farmers IC of AZ 1,660 1,682 1,637 1,854 1,569 1,560 1,287 1,197 1,208 1,384 48 409,724 0.117
Depositors IC 1,696 1,519 1,556 1,869 1,427 1,458 1,161 1,301 1,206 1,221 0 650 0.000
Austin Mutual IC 1,755 1,455 1,567 1,755 1,548 1,455 1,284 1,447 1,447 1,447 1 11,834 0.085
American Family Mutual IC 1,764 1,443 1,764 1,788 1,506 1,360 1,198 1,360 1,045 1,360 24 274,918 0.087
American National P&C Co 1,782 1,636 1,888 1,782 1,609 1,734 1,515 1,188 1,394 1,216 3 16,236 0.185
Badger Mutual IC 1,808 2,134 1,397 2,027 1,273 1,404 1,269 1,157 1,157 1,157 2 5,015 0.399
Milbank IC 1,901 1,866 1,891 2,004 1,763 1,594 1,614 1,542 1,362 1,389 0 113,310 0.000
IDS Property Casualty IC 1,903 1,706 1,726 1,903 1,762 1,608 1,294 1,516 1,294 1,516 2 32,734 0.061
Mapfre IC 2,148 1,885 1,893 2,247 1,764 1,764 1,621 1,617 1,660 1,464 0 679 0.000
MGA IC, Inc. 2,211 2,273 2,318 2,072 1,749 1,597 1,474 1,605 1,469 1,394 8 37,568 0.213
AAA Members IC 2,275 1,968 2,119 2,342 1,795 1,802 1,485 2,003 1,377 1,695 11 112,526 0.098
21st Century Advantage IC 2,374 2,084 2,025 2,506 1,938 1,827 1,421 2,018 1,480 1,665 3 19,346 0.155
Equity IC 2,390 2,150 2,020 2,060 1,910 1,780 1,590 1,750 1,510 1,610 5 5,434 0.920
Allstate F&C IC 2,423 2,066 2,140 2,656 1,959 2,202 1,691 1,975 1,797 1,727 17 172,292 0.099
Central Mutual IC 2,459 2,459 2,459 2,459 2,065 2,258 2,031 2,371 2,031 2,031 2 12,902 0.155
Federal IC 2,500 2,180 2,180 2,501 2,061 1,940 1,584 2,138 1,795 1,962 0 1,375 0.000
QBE Ins Corp 2,556 2,556 2,465 2,556 2,030 2,294 2,322 2,229 2,229 2,229 0 2,467 0.000
Nevada General IC 2,599 1,993 2,269 2,413 2,101 1,663 2,083 1,831 1,699 1,621 0 600 0.000
Hallmark IC 2,667 2,516 2,542 2,667 2,477 1,654 1,440 1,926 1,703 1,657 9 79,583 0.113
Access IC 2,670 2,499 2,400 2,306 2,290 2,090 1,904 1,971 1,845 1,917 1 7,989 0.125
Safeway IC 2,670 2,219 2,161 2,307 2,246 2,078 1,771 1,925 1,759 1,775 7 180,203 0.039
Key IC 2,698 2,920 2,776 2,890 2,518 2,170 2,836 2,140 2,140 1,894 0 3,592 0.000
Anchor General IC 2,734 3,365 2,673 3,500 2,565 2,808 2,597 2,824 2,469 2,633 3 13,927 0.215
Safeco IC of America 2,737 1,971 1,992 2,666 1,869 1,948 1,887 2,117 1,456 1,557 5 42,042 0.119
Encompass P&C Co 2,745 2,891 2,740 3,686 2,334 2,569 2,146 2,327 2,327 1,858 3 15,005 0.200
Integon Ind Corp 2,749 2,197 2,280 2,617 2,028 2,142 1,759 2,237 1,682 2,143 1 3,657 0.273
Secura Supreme IC 2,786 2,200 2,745 2,909 2,674 2,185 1,836 2,145 2,126 2,145 0 3,000 0.000
Starr Ind & Liability Co 2,825 2,367 2,158 2,626 2,530 2,229 1,627 1,986 1,986 2,136 **
Travelers Home and Marine IC 2,837 2,416 2,326 2,681 2,409 2,237 1,955 2,379 2,015 1,860 1 29,194 0.034
Progressive Preferred IC 2,840 2,432 2,314 3,066 2,364 2,332 1,849 2,204 1,757 2,058 19 200,920 0.095
Liberty Mutual Fire IC 2,907 2,706 2,941 3,655 2,992 2,748 2,063 2,731 2,063 2,613 13 92,611 0.140
United Automobile IC 2,916 3,196 2,549 2,891 2,562 2,518 3,063 3,415 3,415 3,322 7 53,247 0.131
Teachers IC 2,939 1,840 1,840 2,239 2,235 1,910 1,759 2,285 2,013 2,151 0 1,393 0.000
Occidental F&C Co of NC 2,946 2,634 2,561 2,623 2,273 2,092 1,820 2,033 1,707 1,748 2 3,355 0.596
Safe Auto IC 2,984 2,502 2,515 3,007 2,327 2,170 1,774 2,585 1,787 2,206 16 26,859 0.596
Peak P&C Ins Corp 2,993 2,673 2,682 2,886 2,805 2,131 2,003 2,083 1,884 1,873 3 71,351 0.042
Coast National IC 3,027 2,374 2,324 3,069 2,351 2,278 1,759 2,597 1,754 2,158 20 86,307 0.232
Mercury Casualty Co 3,033 3,031 2,758 3,370 2,633 2,738 2,162 2,696 2,259 2,415 6 26,514 0.226
American Access Casualty Co 3,041 2,958 2,599 3,113 2,651 2,196 4,114 4,114 4,114 4,114 0 4,192 0.000
Acuity, A Mutual IC 3,067 2,790 2,926 3,184 2,864 2,542 2,387 2,335 2,350 2,272 2 18,625 0.107
Southern IC 3,161 2,953 2,542 2,767 2,492 4,975 3,978 3,978 3,978 3,978 1 3,226 0.310
Infinity IC 3,207 2,705 2,639 3,536 2,778 2,733 2,314 2,828 2,265 3,369 11 22,733 0.484
Western General IC 3,210 3,118 2,896 3,126 2,903 2,438 2,271 2,441 2,399 2,368 1 131 7.634
Unigard IC 3,210 2,055 1,972 3,179 2,491 2,436 1,882 2,193 2,193 1,932 0 3,331 0.000
Alpha P&C IC 3,232 2,910 2,707 3,375 2,543 2,707 2,072 2,727 2,194 2,301 4 19,606 0.204
Mendota IC 3,312 2,909 2,604 3,392 2,457 2,521 2,224 2,511 2,048 1,968 6 23,439 0.256
Young America IC 3,344 3,259 2,565 2,896 2,358 2,566 2,289 2,268 2,280 2,237 4 24,679 0.162
Imperial F&C IC 3,425 3,124 2,687 3,410 2,843 3,425 2,447 2,966 2,374 2,682 **
Primero IC 3,497 3,497 3,575 3,611 3,533 3,533 3,533 3,575 3,497 3,497 1 11,571 0.086
Amica Mutual IC 3,498 3,213 2,976 3,489 2,995 3,004 2,483 2,816 2,774 2,675 1 13,441 0.074
Metropolitan Casualty IC 3,635 3,036 3,162 4,158 2,544 2,746 2,543 3,413 2,566 2,223 10 44,548 0.224
Arizona Automobile IC 3,715 3,635 2,163 3,138 2,080 2,091 2,086 1,744 1,965 1,729 4 29,383 0.136
Topa IC 3,824 3,390 3,085 3,903 2,830 2,082 1,939 2,141 1,978 2,032 0 1,201 0.000
Universal North America IC 4,157 4,041 4,102 4,793 3,852 3,888 3,265 3,204 3,204 3,204 0 153 0.000
AssuranceAmerica IC 4,367 3,923 3,345 4,175 3,597 3,313 2,855 3,779 2,998 3,121 5 24,159 0.207
Unitrin Direct P&C Co 4,374 3,719 3,816 4,397 3,511 3,240 2,789 3,809 2,679 3,300 2 9,211 0.217
Permanent General Assurance Corp 4,391 3,543 3,543 4,391 3,912 3,318 2,823 3,726 3,140 2,966 7 23,124 0.303
Esurance P&C IC 4,890 4,075 4,150 4,908 3,745 3,379 2,777 4,003 2,823 3,547 0 1,557 0.000
Hartford Casualty IC 5,602 4,741 4,073 6,597 4,427 4,279 3,099 2,684 3,125 3,281 1 3,141 0.318
Santa Fe Auto IC 8,310 8,310 8,310 8,310 7,692 7,080 7,080 7,080 7,080 7,080 0 6,972 0.000
Auto-Owners IC * * * * * * * * * * 0 69 0.000
Civil Service Employees IC * * * * * * * * * * 0 2,684 0.000
Cornerstone National IC * * * * * * * * * * 4 25,524 0.157
Country Preferred IC * * * * * * * * * * 1 30,792 0.032
Farm Bureau Mutual IC * * * * * * * * * * 6 47,727 0.126
Fidelity National IC * * * * * * * * * * 0 3,807 0.000
Kemper Independence IC * * * * * * * * * * 0 15,964 0.000
Merastar IC * * * * * * * * * * 0 341 0.000
Union IC of Providence * * * * * * * * * * 1 1,707 0.586
Hypothetical 3: Unmarried female, age 18, drives 15 miles each way to work. She drives a 2010 Ford F150 XLT, 4x2, two-door pickup,
regular cab, 8 cylinders. She has a clean driving record for the last three years and no credit history.
Coverages & Limits: Combined single limit liability of $40,000 or split limits of $15,000/$30,000 BI and $10,000 PD;
medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
* This insurer does not provide coverage for this hypothetical. ** New insurer that had no exposures as of December 31, 2009.
Premiums shown are six-month premiums as of September 1, 2010. Complaint Ratio (CR)
# of Complaints (C) divided by # of
Exposures (E) X 1000 = Complaint Ratio
URBAN RURAL
NAME OF INSURER Phoenix Scottsdale Mesa Glendale Tucson Casa Grande Flagstaff Nogales Safford Yuma
85053 85257 85202 85301 85719 85222 86001 85621 85546 85364 C E CR
National Surety Corp $1,066 $989 $1,046 $1,206 $924 $946 $821 $836 $853 $837 0 172 0.000
Government Employees IC 1,397 1,241 1,310 1,514 1,130 1,289 1,052 1,023 1,078 1,085 5 95,677 0.052
Milbank IC 1,623 1,566 1,632 1,732 1,518 1,376 1,376 1,323 1,174 1,996 0 113,310 0.000
Great Northwest IC 1,653 1,468 1,342 1,650 1,153 1,257 1,112 1,248 1,082 1,181 1 1,375 0.727
Farmers IC of AZ 1,716 1,725 1,676 1,913 1,610 1,609 1,282 1,160 1,211 1,408 48 409,724 0.117
United Services Auto Assoc 1,729 1,472 1,504 1,733 1,412 1,370 1,247 1,279 1,041 1,198 8 135,561 0.059
Electric IC 1,809 1,890 2,023 2,125 1,795 1,921 1,640 1,520 1,520 1,757 1 11,159 0.090
State Farm Mutual Auto IC 1,809 1,623 1,644 1,809 1,689 1,544 1,246 1,469 1,246 1,469 43 731,911 0.059
Victoria Specialty IC 1,856 1,650 1,417 1,909 1,409 1,415 1,224 1,439 1,225 1,283 6 21,023 0.285
Bankers Standard IC 1,865 1,581 1,818 1,909 1,646 1,705 1,325 1,418 1,286 1,347 0 195 0.000
Depositors IC 1,907 1,702 1,740 2,119 1,600 1,609 1,262 1,424 1,310 1,350 0 650 0.000
IDS Property Casualty IC 1,918 1,726 1,743 1,918 1,796 1,638 1,291 1,531 1,291 1,531 2 32,734 0.061
Cincinnati IC 1,938 1,654 1,625 1,763 1,507 1,514 1,116 1,126 1,126 1,227 1 802 1.247
American Family Mutual IC 1,994 1,644 2,001 2,025 1,707 1,528 1,350 1,528 1,177 1,528 24 274,918 0.087
Austin Mutual IC 2,013 1,696 1,808 2,013 1,780 1,696 1,466 1,677 1,677 1,677 1 11,834 0.085
American National P&C Co 2,039 1,834 2,140 2,039 1,824 1,983 1,708 1,322 1,587 1,363 3 16,236 0.185
Badger Mutual IC 2,087 2,472 1,642 2,322 1,497 1,622 1,489 1,346 1,346 1,346 2 5,015 0.399
AAA Members IC 2,180 1,829 1,968 2,246 1,657 1,665 1,345 1,854 1,259 1,580 11 112,526 0.098
21st Century Advantage IC 2,193 1,924 1,881 2,324 1,793 1,678 1,316 1,857 1,364 1,563 3 19,346 0.155
Allstate F&C IC 2,227 1,879 1,961 2,475 1,795 1,985 1,521 1,749 1,605 1,561 17 172,292 0.099
Mapfre IC 2,483 2,186 2,214 2,579 2,032 2,032 1,839 1,813 1,854 1,659 0 679 0.000
Liberty Mutual Fire IC 2,730 2,502 2,738 3,372 2,757 2,489 1,889 2,451 1,889 2,360 13 92,611 0.140
Travelers Home and Marine IC 2,890 2,461 2,348 2,753 2,437 2,232 1,926 2,358 2,014 1,870 1 29,194 0.034
Secura Supreme IC 2,899 2,298 2,861 3,031 2,778 2,256 1,906 2,216 2,194 2,216 0 3,000 0.000
Central Mutual IC 2,962 2,962 2,962 2,962 2,471 2,659 2,307 2,689 2,307 2,307 2 12,902 0.155
Teachers IC 2,963 1,890 1,890 2,251 2,265 1,887 1,678 2,224 1,958 2,053 0 1,393 0.000
Federal IC 3,001 2,591 2,591 2,989 2,468 2,266 1,824 2,487 2,051 2,293 0 1,375 0.000
Amica Mutual IC 3,013 2,803 2,537 3,018 2,564 2,575 2,028 2,297 2,302 2,217 1 13,441 0.074
Encompass P&C Co 3,052 3,235 3,061 4,155 2,579 2,828 2,301 2,530 2,530 2,033 3 15,005 0.200
Integon Ind Corp 3,104 2,471 2,581 2,953 2,246 2,368 1,927 2,486 1,852 2,405 1 3,657 0.273
Safeco IC of America 3,136 2,256 2,275 3,065 2,156 2,215 1,707 2,408 1,658 1,798 5 42,042 0.119
Nevada General IC 3,199 2,539 2,875 2,935 2,641 2,095 2,569 2,275 2,005 1,927 0 600 0.000
Starr Ind & Liability Co 3,204 2,706 2,510 2,958 2,903 2,571 1,821 2,249 2,249 2,376 **
Progressive Preferred IC 3,269 2,761 2,636 3,659 2,669 2,606 2,021 2,440 1,952 2,333 19 200,920 0.095
Peak P&C Ins Corp 3,427 3,100 3,081 3,307 3,207 2,442 2,261 2,338 2,162 2,136 3 71,351 0.042
Unigard IC 3,493 2,267 2,123 3,465 2,747 2,554 2,002 2,342 2,342 2,037 0 3,331 0.000
Occidental F&C Co of NC 3,509 3,147 3,064 3,128 2,683 2,447 2,096 2,351 1,964 1,995 2 3,355 0.596
Acuity, A Mutual IC 3,527 3,191 3,395 3,672 3,273 2,893 2,712 2,642 2,660 2,582 2 18,625 0.107
Coast National IC 3,570 2,781 2,738 3,610 2,670 2,575 1,974 2,955 1,982 2,534 20 86,307 0.232
Metropolitan Casualty IC 3,812 3,180 3,282 4,296 2,675 2,828 2,575 3,510 2,628 2,266 10 44,548 0.224
Western General IC 3,818 3,688 3,410 3,653 3,297 2,738 2,580 2,721 2,679 2,618 1 131 7.634
Alpha P&C IC 4,116 3,616 3,386 4,347 3,148 3,329 2,507 3,334 2,686 2,860 4 19,606 0.204
Mercury Casualty Co 4,334 3,843 3,538 4,480 3,339 3,452 2,670 3,388 2,828 3,087 6 26,514 0.226
Infinity IC 4,373 3,601 3,540 4,953 3,695 3,608 2,981 3,698 2,978 4,510 11 22,733 0.484
Hartford Casualty IC 4,718 3,900 3,372 5,594 3,648 3,663 2,539 2,212 2,520 2,719 1 3,141 0.318
Mendota IC 4,996 4,298 3,908 5,257 3,635 3,719 3,207 3,669 3,001 2,924 6 23,439 0.256
Esurance P&C IC 5,079 4,161 4,251 5,095 3,771 3,377 2,754 4,064 2,822 3,645 0 1,557 0.000
Permanent General Assurance Corp 5,096 4,041 4,041 5,096 4,382 3,730 3,129 4,224 3,449 3,371 7 23,124 0.303
Universal North America IC 5,097 4,944 5,013 5,914 4,634 4,747 3,846 3,772 3,772 3,772 0 153 0.000
Unitrin Direct P&C Co 5,208 4,403 4,514 5,231 4,064 3,728 3,175 4,411 3,074 3,881 2 9,211 0.217
Access IC * * * * * * * * * * 1 7,989 0.125
American Access Casualty Co * * * * * * * * * * 0 4,192 0.000
Anchor General IC * * * * * * * * * * 3 13,927 0.215
Arizona Automobile IC * * * * * * * * * * 4 29,383 0.136
AssuranceAmerica IC * * * * * * * * * * 5 24,159 0.207
Auto-Owners IC * * * * * * * * * * 0 69 0.000
Civil Service Employees IC * * * * * * * * * * 0 2,684 0.000
Cornerstone National IC * * * * * * * * * * 4 25,524 0.157
Country Preferred IC * * * * * * * * * * 1 30,792 0.032
Equity IC * * * * * * * * * * 5 5,434 0.920
Farm Bureau Mutual IC * * * * * * * * * * 6 47,727 0.126
Fidelity National IC * * * * * * * * * * 0 3,807 0.000
Hallmark IC * * * * * * * * * * 9 79,583 0.113
Imperial F&C IC * * * * * * * * * * **
Kemper Independence IC * * * * * * * * * * 0 15,964 0.000
Key IC * * * * * * * * * * 0 3,592 0.000
Merastar IC * * * * * * * * * * 0 341 0.000
MGA IC, Inc. * * * * * * * * * * 8 37,568 0.213
Primero IC * * * * * * * * * * 1 11,571 0.086
QBE Ins Corp * * * * * * * * * * 0 2,467 0.000
Safe Auto IC * * * * * * * * * * 16 26,859 0.596
Safeway IC * * * * * * * * * * 7 180,203 0.039
Santa Fe Auto IC * * * * * * * * * * 0 6,972 0.000
Southern IC * * * * * * * * * * 1 3,226 0.310
Topa IC * * * * * * * * * * 0 1,201 0.000
Union IC of Providence * * * * * * * * * * 1 1,707 0.586
United Automobile IC * * * * * * * * * * 7 53,247 0.131
Young America IC * * * * * * * * * * 4 24,679 0.162
Premiums shown are six-month premiums as of September 1, 2010. Complaint Ratio (CR)
* This insurer does not provide coverage for this hypothetical. ** New insurer that had no exposures as of December 31, 2009.
# of Complaints (C) divided by # of
Exposures (E) X 1000 = Complaint Ratio
Hypothetical 4: Unmarried female, age 18, drives 15 miles each way to work. She drives a 2010 Ford F150 XLT, 4x2, two-door pickup,
regular cab, 8 cylinders. She has a clean driving record for the last three years and no credit history.
Coverages & Limits: Combined single limit liability of $300,000 or split limits of $100,000/$300,000 BI and $50,000 PD;
medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
URBAN RURAL
NAME OF INSURER Phoenix Scottsdale Mesa Glendale Tucson Casa Grande Flagstaff Nogales Safford Yuma
85053 85257 85202 85301 85719 85222 86001 85621 85546 85364 C E CR
Government Employees IC $470 $424 $440 $518 $383 $451 $366 $383 $391 $379 5 95,677 0.052
21st Century Advantage IC 673 593 575 702 539 514 403 564 422 465 3 19,346 0.155
Civil Service Employees IC 746 724 800 889 708 649 489 708 573 566 0 2,684 0.000
Electric IC 798 830 878 925 784 850 729 671 671 771 1 11,159 0.090
Depositors IC 803 729 751 874 698 719 599 685 626 629 0 650 0.000
Farmers IC of AZ 814 800 793 912 745 764 618 660 609 700 48 409,724 0.117
Mapfre IC 869 795 765 896 705 705 659 680 692 624 0 679 0.000
Safeco IC of America 871 623 633 846 593 639 475 698 482 512 5 42,042 0.119
United Services Auto Assoc 876 763 794 891 729 750 683 706 593 653 8 135,561 0.059
Kemper Independence IC 887 783 807 942 768 738 639 760 686 621 0 15,964 0.000
Unitrin Direct P&C Co 959 803 835 970 764 710 609 856 600 698 2 9,211 0.217
Travelers Home and Marine IC 968 817 787 919 823 770 677 825 701 645 1 29,194 0.034
Mendota IC 978 876 804 1,025 749 796 691 836 639 624 6 23,439 0.256
Amica Mutual IC 990 909 845 988 851 849 705 802 788 761 1 13,441 0.074
Great Northwest IC 1,002 900 829 990 715 780 696 783 676 735 1 1,375 0.727
Acuity, A Mutual IC 1,007 916 961 1,060 924 854 786 774 776 742 2 18,625 0.107
Cornerstone National IC 1,011 997 974 1,011 868 800 685 958 779 866 4 25,524 0.157
National Surety Corp 1,021 959 1,011 1,165 882 921 793 830 837 821 0 172 0.000
American National P&C Co 1,050 938 1,097 1,050 952 1,006 885 731 819 722 3 16,236 0.185
Country Preferred IC 1,080 974 1,069 1,440 1,239 1,093 815 1,028 747 1,028 1 30,792 0.032
IDS Property Casualty IC 1,115 997 1,015 1,115 1,035 976 779 958 779 958 2 32,734 0.061
State Farm Mutual Auto IC 1,122 1,007 1,022 1,122 1,040 961 782 932 782 932 43 731,911 0.059
Victoria Specialty IC 1,137 1,033 943 1,134 944 940 839 1,006 839 867 6 21,023 0.285
Hartford Casualty IC 1,154 983 890 1,325 972 898 719 638 804 673 1 3,141 0.318
Bankers Standard IC 1,193 1,015 1,174 1,223 1,053 1,117 875 931 838 876 0 195 0.000
Infinity IC 1,229 1,054 1,050 1,382 1,083 1,100 922 1,176 904 1,345 11 22,733 0.484
AAA Members IC 1,231 1,044 1,123 1,273 947 973 787 1,098 738 904 11 112,526 0.098
Austin Mutual IC 1,262 1,053 1,127 1,262 1,111 1,053 922 1,047 1,047 1,047 1 11,834 0.085
Badger Mutual IC 1,269 1,495 999 1,413 906 990 908 816 816 816 2 5,015 0.399
Fidelity National IC 1,295 1,005 923 1,191 991 993 713 990 830 854 0 3,807 0.000
Unigard IC 1,306 844 799 1,298 1,027 1,005 779 917 917 799 0 3,331 0.000
Secura Supreme IC 1,313 991 1,279 1,388 1,266 1,104 860 1,087 1,050 1,087 0 3,000 0.000
Progressive Preferred IC 1,324 1,144 1,110 1,441 1,117 1,135 888 1,114 850 1,001 19 200,920 0.095
Encompass P&C Co 1,344 1,370 1,333 1,780 1,207 1,281 1,129 1,195 1,195 992 3 15,005 0.200
Federal IC 1,365 1,201 1,201 1,365 1,149 1,081 902 1,180 998 1,093 0 1,375 0.000
Mercury Casualty Co 1,369 1,268 1,187 1,425 1,110 1,189 923 1,187 1,064 1,035 6 26,514 0.226
Cincinnati IC 1,376 1,182 1,161 1,269 1,070 1,105 825 828 828 890 1 802 1.247
Auto-Owners IC 1,379 1,105 1,233 1,405 1,118 1,052 849 1,257 881 927 0 69 0.000
American Family Mutual IC 1,380 1,106 1,355 1,402 1,180 1,084 936 1,084 832 1,084 24 274,918 0.087
AssuranceAmerica IC 1,427 1,285 1,141 1,428 1,181 1,127 945 1,296 994 1,053 5 24,159 0.207
Integon Ind Corp 1,431 1,089 1,161 1,380 1,030 1,085 900 1,164 882 1,086 1 3,657 0.273
Farm Bureau Mutual IC 1,443 1,203 1,170 1,908 1,196 1,147 962 1,187 879 1,021 6 47,727 0.126
Milbank IC 1,463 1,393 1,454 1,539 1,353 1,224 1,228 1,176 1,045 1,063 0 113,310 0.000
Western General IC 1,464 1,378 1,320 1,383 1,243 1,085 1,026 1,074 1,062 1,011 1 131 7.634
Allstate F&C IC 1,487 1,268 1,316 1,669 1,196 1,339 1,015 1,197 1,086 1,062 17 172,292 0.099
Access IC 1,503 1,393 1,345 1,296 1,291 1,211 1,082 1,121 1,054 1,102 1 7,989 0.125
MGA IC, Inc. 1,513 1,532 1,564 1,469 1,213 1,138 1,078 1,174 1,052 1,030 8 37,568 0.213
Anchor General IC 1,523 1,705 1,429 1,773 1,320 1,422 1,320 1,412 1,267 1,315 3 13,927 0.215
Union IC of Providence 1,543 1,708 1,356 1,541 1,420 1,417 1,108 1,186 1,186 1,186 1 1,707 0.586
Central Mutual IC 1,548 1,548 1,548 1,548 1,301 1,413 1,268 1,480 1,268 1,268 2 12,902 0.155
Alpha P&C IC 1,549 1,488 1,373 1,618 1,293 1,374 1,101 1,442 1,148 1,177 4 19,606 0.204
Imperial F&C IC 1,551 1,443 1,267 1,576 1,312 1,625 1,143 1,438 1,108 1,259 **
Safe Auto IC 1,556 1,292 1,321 1,577 1,201 1,115 916 1,368 937 1,094 16 26,859 0.596
Liberty Mutual Fire IC 1,592 1,458 1,607 1,961 1,628 1,472 1,138 1,460 1,138 1,411 13 92,611 0.140
Esurance P&C IC 1,619 1,340 1,371 1,638 1,252 1,163 959 1,409 983 1,162 0 1,557 0.000
Equity IC 1,640 1,460 1,380 1,400 1,320 1,250 1,120 1,220 1,070 1,140 5 5,434 0.920
American Access Casualty Co 1,659 1,372 1,382 1,492 1,304 1,271 1,667 1,667 1,667 1,667 0 4,192 0.000
Safeway IC 1,672 1,370 1,342 1,408 1,391 1,323 1,138 1,237 1,139 1,155 7 180,203 0.039
Starr Ind & Liability Co 1,673 1,429 1,311 1,569 1,500 1,358 1,056 1,243 1,243 1,318 **
Nevada General IC 1,699 1,327 1,495 1,591 1,363 1,105 1,363 1,195 1,117 1,075 0 600 0.000
Merastar IC 1,732 1,306 1,388 1,484 1,385 1,182 1,071 1,215 1,071 1,215 0 341 0.000
Hallmark 1,742 1,515 1,623 1,742 1,611 1,124 1,009 1,510 1,120 1,261 9 79,583 0.113
Metropolitan Casualty IC 1,753 1,450 1,504 1,960 1,231 1,302 1,166 1,588 1,195 1,050 10 44,548 0.224
Key IC 1,756 1,870 1,786 1,846 1,660 1,462 1,834 1,438 1,438 1,318 0 3,592 0.000
QBE Ins Corp 1,756 1,756 1,680 1,756 1,426 1,586 1,608 1,535 1,535 1,535 0 2,467 0.000
United Automobile IC 1,802 1,936 1,552 1,779 1,641 1,618 1,785 1,916 1,916 1,898 7 53,247 0.131
Permanent General Assurance Corp 1,806 1,488 1,488 1,806 1,688 1,430 1,230 1,541 1,364 1,303 7 23,124 0.303
Universal North America IC 1,937 1,877 1,882 2,213 1,773 1,786 1,501 1,481 1,481 1,481 0 153 0.000
Peak P&C Ins Corp 1,973 1,737 1,739 1,917 1,827 1,434 1,333 1,435 1,267 1,268 3 71,351 0.042
Coast National IC 1,977 1,490 1,462 2,031 1,546 1,586 1,223 1,899 1,223 1,428 20 86,307 0.232
Southern IC 2,116 1,895 1,687 1,868 1,703 3,283 2,631 2,631 2,631 2,631 1 3,226 0.310
Topa IC 2,266 1,988 1,840 2,315 1,756 1,381 1,312 1,441 1,332 1,376 0 1,201 0.000
Occidental F&C Co of NC 2,344 2,112 2,058 2,076 1,850 1,704 1,541 1,699 1,446 1,474 2 3,355 0.596
Arizona Automobile IC 2,536 2,511 1,429 2,118 1,409 1,432 1,453 1,461 1,304 1,323 4 29,383 0.136
Teachers IC 2,563 1,613 1,613 2,048 1,945 1,745 1,600 2,083 1,848 2,050 0 1,393 0.000
Primero IC 2,669 2,669 2,447 2,525 2,363 2,363 2,363 2,447 2,297 2,297 1 11,571 0.086
Young America IC 2,841 2,755 2,170 2,459 1,993 2,105 1,872 1,865 1,884 1,828 4 24,679 0.162
Santa Fe Auto IC 3,042 3,042 3,042 3,042 2,820 2,604 2,604 2,604 2,604 2,604 0 6,972 0.000
** New insurer that had no exposures as of December 31, 2009.
Premiums shown are six-month premiums as of September 1, 2010. Complaint Ratio (CR)
# of Complaints (C) divided by # of
Exposures (E) X 1000 = Complaint Ratio
Hypothetical 5: Married couple; age 42; each drives 15 miles each way to work, has a clean driving record for the last three years and a median (average)
credit score; wife drives a 2010 Ford Taurus SEL, four-door sedan, automatic; husband drives a 2008 Ford Explorer, XLT, 4X4, four-door, 8 cylinders.
Coverages & Limits: Combined single limit liability of $40,000 or split limits of $15,000/$30,000 BI and $10,000 PD;
medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
URBAN RURAL
NAME OF INSURER Phoenix Scottsdale Mesa Glendale Tucson Casa Grande Flagstaff Nogales Safford Yuma
85053 85257 85202 85301 85719 85222 86001 85621 85546 85364 C E CR
Government Employees IC $571 $502 $525 $620 $461 $530 $429 $443 $455 $464 5 95,677 0.052
21st Century Advantage IC 582 516 503 609 466 443 352 485 367 409 3 19,346 0.155
Travelers Home and Marine IC 830 706 674 796 701 651 562 686 591 549 1 29,194 0.034
Civil Service Employees IC 869 860 939 1,088 815 747 564 816 664 651 0 2,684 0.000
Depositors IC 913 830 848 1,003 793 803 659 753 684 699 0 650 0.000
Farmers IC of AZ 941 923 910 1,053 858 878 690 700 679 790 48 409,724 0.117
United Services Auto Assoc 942 818 844 948 783 797 722 752 631 700 8 135,561 0.059
Electric IC 952 1,007 1,061 1,122 946 978 841 784 784 901 1 11,159 0.090
Safeco IC of America 960 687 697 935 657 699 526 763 527 566 5 42,042 0.119
Kemper Independence IC 984 867 893 1,061 837 800 690 839 732 681 0 15,964 0.000
National Surety Corp 991 920 982 1,172 862 867 751 763 798 786 0 172 0.000
Mapfre IC 1,013 956 955 1,037 829 829 752 759 789 706 0 679 0.000
Fidelity National IC 1,021 748 661 942 741 720 533 787 615 679 0 3,807 0.000
Hartford Casualty IC 1,036 863 822 1,185 901 816 623 565 688 591 1 3,141 0.318
Amica Mutual IC 1,045 971 881 1,046 890 881 703 795 794 768 1 13,441 0.074
Unitrin Direct P&C Co 1,144 950 984 1,155 882 812 688 986 688 808 2 9,211 0.217
Country Preferred IC 1,161 1,057 1,152 1,518 1,331 1,184 861 1,118 798 1,118 1 30,792 0.032
Acuity, A Mutual IC 1,166 1,053 1,119 1,227 1,063 977 898 880 882 849 2 18,625 0.107
IDS Property Casualty IC 1,170 1,060 1,076 1,170 1,124 1,063 810 1,035 810 1,035 2 32,734 0.061
Mendota IC 1,174 1,043 965 1,253 884 939 803 973 749 736 6 23,439 0.256
AAA Members IC 1,175 965 1,037 1,215 871 893 708 1,011 671 838 11 112,526 0.098
Great Northwest IC 1,193 1,067 990 1,191 844 922 807 903 789 856 1 1,375 0.727
American National P&C Co 1,248 1,073 1,270 1,248 1,108 1,170 1,022 832 963 830 3 16,236 0.185
Victoria Specialty IC 1,313 1,190 1,061 1,359 1,049 1,069 926 1,107 933 973 6 21,023 0.285
Milbank IC 1,329 1,260 1,315 1,397 1,220 1,115 1,101 1,068 952 967 0 113,310 0.000
State Farm Mutual Auto IC 1,336 1,205 1,221 1,336 1,261 1,164 917 1,116 917 1,116 43 731,911 0.059
Secura Supreme IC 1,359 1,030 1,325 1,438 1,308 1,133 887 1,116 1,077 1,116 0 3,000 0.000
Bankers Standard IC 1,392 1,202 1,359 1,423 1,215 1,257 990 1,055 962 1,005 0 195 0.000
Progressive Preferred IC 1,405 1,220 1,181 1,574 1,170 1,189 903 1,140 878 1,042 19 200,920 0.095
Unigard IC 1,409 928 844 1,407 1,124 1,027 821 967 967 831 0 3,331 0.000
Esurance P&C IC 1,457 1,186 1,220 1,472 1,096 1,008 844 1,342 951 1,133 0 1,557 0.000
Central Mutual IC 1,463 1,463 1,463 1,463 1,229 1,302 1,131 1,315 1,131 1,131 2 12,902 0.155
Allstate F&C IC 1,478 1,245 1,307 1,701 1,187 1,299 984 1,138 1,052 1,040 17 172,292 0.099
Encompass P&C Co 1,496 1,536 1,489 1,992 1,338 1,399 1,213 1,296 1,296 1,083 3 15,005 0.200
Austin Mutual IC 1,498 1,279 1,355 1,498 1,323 1,279 1,092 1,259 1,259 1,259 1 11,834 0.085
Badger Mutual IC 1,517 1,789 1,217 1,673 1,112 1,188 1,108 990 990 990 2 5,015 0.399
Liberty Mutual Fire IC 1,554 1,375 1,556 1,871 1,562 1,363 1,077 1,341 1,077 1,309 13 92,611 0.140
American Family Mutual IC 1,575 1,282 1,556 1,603 1,356 1,238 1,080 1,238 962 1,238 24 274,918 0.087
Infinity IC 1,620 1,368 1,367 1,862 1,396 1,406 1,152 1,480 1,152 1,734 11 22,733 0.484
Integon Ind Corp 1,652 1,254 1,344 1,588 1,164 1,228 1,005 1,325 988 1,248 1 3,657 0.273
Farm Bureau Mutual IC 1,654 1,428 1,347 2,223 1,385 1,322 1,110 1,351 1,003 1,180 6 47,727 0.126
Auto-Owners IC 1,665 1,343 1,477 1,685 1,352 1,270 1,029 1,505 1,065 1,117 0 69 0.000
Federal IC 1,671 1,451 1,451 1,665 1,398 1,280 1,047 1,397 1,152 1,299 0 1,375 0.000
Cincinnati IC 1,737 1,492 1,443 1,587 1,341 1,343 1,001 1,009 1,009 1,098 1 802 1.247
Mercury Casualty Co 1,757 1,588 1,491 1,847 1,382 1,467 1,121 1,455 1,187 1,293 6 26,514 0.226
Metropolitan Casualty IC 1,775 1,466 1,504 1,954 1,244 1,281 1,139 1,567 1,180 1,021 10 44,548 0.224
Merastar IC 1,786 1,395 1,462 1,555 1,431 1,230 1,090 1,261 1,090 1,261 0 341 0.000
Coast National IC 1,882 1,436 1,402 1,923 1,447 1,465 1,134 1,742 1,131 1,367 20 86,307 0.232
Starr Ind & Liability Co 1,903 1,637 1,522 1,772 1,720 1,566 1,190 1,416 1,416 1,473 **
Western General IC 1,939 1,759 1,679 1,746 1,503 1,309 1,253 1,289 1,278 1,216 1 131 7.634
Union IC of Providence 1,963 2,182 1,703 1,923 1,784 1,733 1,324 1,424 1,398 1,424 1 1,707 0.586
Alpha P&C IC 1,986 1,898 1,762 2,123 1,622 1,722 1,356 1,784 1,430 1,474 4 19,606 0.204
Nevada General IC 2,185 1,783 1,969 2,041 1,807 1,471 1,741 1,573 1,399 1,357 0 600 0.000
Permanent General Assurance Corp 2,264 1,804 1,804 2,264 2,011 1,692 1,422 1,868 1,563 1,578 7 23,124 0.303
Peak P&C Ins Corp 2,270 2,030 2,002 2,205 2,088 1,645 1,507 1,621 1,464 1,454 3 71,351 0.042
Universal North America IC 2,463 2,389 2,366 2,809 2,208 2,249 1,815 1,790 1,790 1,790 0 153 0.000
Teachers IC 2,560 1,655 1,655 2,039 1,965 1,720 1,534 2,015 1,792 1,942 0 1,393 0.000
Occidental F&C Co of NC 2,809 2,539 2,481 2,493 2,206 2,015 1,805 1,994 1,697 1,717 2 3,355 0.596
Access IC * * * * * * * * * * 1 7,989 0.125
American Access Casualty Co * * * * * * * * * * 0 4,192 0.000
Anchor General IC * * * * * * * * * * 3 13,927 0.215
Arizona Automobile IC * * * * * * * * * * 4 29,383 0.136
AssuranceAmerica IC * * * * * * * * * * 5 24,159 0.207
Cornerstone National IC * * * * * * * * * * 4 25,524 0.157
Equity IC * * * * * * * * * * 5 5,434 0.920
Hallmark IC * * * * * * * * * * 9 79,583 0.113
Imperial F&C IC * * * * * * * * * * **
Key IC * * * * * * * * * * 0 3,592 0.000
MGA IC, Inc. * * * * * * * * * * 8 37,568 0.213
Primero IC * * * * * * * * * * 1 11,571 0.086
QBE Ins Corp * * * * * * * * * * 0 2,467 0.000
Safe Auto IC * * * * * * * * * * 16 26,859 0.596
Safeway IC * * * * * * * * * * 7 180,203 0.039
Santa Fe Auto IC * * * * * * * * * * 0 6,972 0.000
Southern IC * * * * * * * * * * 1 3,226 0.310
Topa IC * * * * * * * * * * 0 1,201 0.000
United Automobile IC * * * * * * * * * * 7 53,247 0.131
Young America IC * * * * * * * * * * 4 24,679 0.162
Premiums shown are six-month premiums as of September 1, 2010. Complaint Ratio (CR)
* This insurer does not provide coverage for this hypothetical. ** New insurer that had no exposures as of December 31, 2009.
# of Complaints (C) divided by # of
Exposures (E) X 1000 = Complaint Ratio
Hypothetical 6: Married couple; age 42; each drives 15 miles each way to work, has a clean driving record for the last three years and a median (average)
credit score; wife drives a 2010 Ford Taurus SEL, four-door sedan, automatic; husband drives a 2008 Ford Explorer, XLT, 4X4, four-door, 8 cylinders.
Coverages & Limits: Combined single limit liability of $300,000 or split limits of $100,000/$300,000 BI and $50,000 PD;
medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
URBAN RURAL
NAME OF INSURER Phoenix Scottsdale Mesa Glendale Tucson Casa Grande Flagstaff Nogales Safford Yuma
85053 85257 85202 85301 85719 85222 86001 85621 85546 85364 C E CR
Government Employees IC $845 $763 $795 $931 $690 $809 $659 $678 $697 $676 5 95,677 0.052
Civil Service Employees IC 929 899 994 1,095 884 807 607 876 710 703 0 2,684 0.000
Farmers IC of AZ 939 925 916 1,051 861 881 711 752 698 804 48 409,724 0.117
United Services Auto Assoc 961 836 868 977 800 816 746 768 644 712 8 135,561 0.059
Mapfre IC 969 927 904 985 872 872 856 870 876 837 0 679 0.000
National Surety Corp 990 929 979 1,130 855 890 763 796 805 790 0 172 0.000
Electric IC 1,047 1,080 1,143 1,205 1,071 1,119 957 880 880 1,010 1 11,159 0.090
21st Century Advantage IC 1,054 929 902 1,102 848 804 630 883 658 731 3 19,346 0.155
Safeco IC of America 1,076 768 781 1,044 727 792 582 863 593 624 5 42,042 0.119
Depositors IC 1,086 977 1,011 1,190 931 966 788 915 830 832 0 650 0.000
Great Northwest IC 1,104 992 910 1,086 785 862 768 863 741 804 1 1,375 0.727
Unitrin Direct P&C Co 1,165 976 1,011 1,177 925 857 735 1,030 721 847 2 9,211 0.217
Kemper Independence IC 1,196 1,062 1,094 1,271 1,034 986 849 1,030 914 822 0 15,964 0.000
American National P&C Co 1,197 1,074 1,254 1,197 1,081 1,149 1,006 816 929 816 3 16,236 0.185
Acuity, A Mutual IC 1,219 1,107 1,162 1,281 1,117 1,032 951 938 941 899 2 18,625 0.107
Travelers Home and Marine IC 1,240 1,093 1,047 1,218 1,084 1,004 876 1,066 911 841 1 29,194 0.034
Cornerstone National IC 1,270 1,249 1,224 1,270 1,091 1,008 861 1,206 976 1,088 4 25,524 0.157
State Farm Mutual Auto IC 1,271 1,141 1,157 1,271 1,181 1,084 885 1,048 885 1,048 43 731,911 0.059
Mendota IC 1,273 1,148 1,044 1,332 974 1,031 899 1,073 828 805 6 23,439 0.256
IDS Property Casualty IC 1,277 1,142 1,161 1,277 1,186 1,109 887 1,081 887 1,081 2 32,734 0.061
Victoria Specialty IC 1,277 1,161 1,055 1,276 1,054 1,051 940 1,125 935 968 6 21,023 0.285
Amica Mutual IC 1,338 1,228 1,142 1,337 1,146 1,151 956 1,086 1,068 1,028 1 13,441 0.074
Austin Mutual IC 1,348 1,128 1,207 1,348 1,187 1,128 985 1,120 1,120 1,120 1 11,834 0.085
Hartford Casualty IC 1,398 1,190 1,064 1,616 1,164 1,083 851 751 937 814 1 3,141 0.318
Integon Ind Corp 1,431 1,089 1,161 1,380 1,030 1,085 900 1,164 882 1,086 1 3,657 0.273
Cincinnati IC 1,450 1,247 1,225 1,337 1,128 1,165 868 1,165 872 938 1 802 1.247
Badger Mutual IC 1,496 1,766 1,179 1,668 1,069 1,168 1,071 963 963 963 2 5,015 0.399
Bankers Standard IC 1,498 1,269 1,473 1,536 1,325 1,407 1,100 1,170 1,053 1,100 0 195 0.000
American Family Mutual IC 1,516 1,242 1,491 1,538 1,316 1,220 1,072 1,220 968 1,220 24 274,918 0.087
Encompass P&C Co 1,550 1,582 1,537 2,061 1,384 1,473 1,291 1,369 1,369 1,132 3 15,005 0.200
Infinity IC 1,563 1,343 1,330 1,754 1,378 1,393 1,169 1,418 1,145 1,708 11 22,733 0.484
Western General IC 1,585 1,500 1,435 1,504 1,357 1,179 1,113 1,167 1,156 1,098 1 131 7.634
Mercury Casualty Co 1,618 1,497 1,396 1,679 1,310 1,396 1,087 1,397 1,137 1,216 6 26,514 0.226
Unigard IC 1,629 1,054 998 1,621 1,279 1,255 974 1,146 1,146 999 0 3,331 0.000
Allstate F&C IC 1,641 1,397 1,449 1,835 1,319 1,476 1,115 1,311 1,191 1,165 17 172,292 0.099
Progressive Preferred IC 1,653 1,435 1,380 1,798 1,391 1,408 1,101 1,366 1,054 1,233 19 200,920 0.095
MGA IC, Inc. 1,670 1,695 1,729 1,608 1,350 1,249 1,184 1,290 1,151 1,131 8 37,568 0.213
Access IC 1,682 1,559 1,504 1,450 1,442 1,352 1,208 1,251 1,174 1,227 1 7,989 0.125
AssuranceAmerica IC 1,705 1,539 1,357 1,696 1,410 1,341 1,128 1,540 1,185 1,254 5 24,159 0.207
Secura Supreme IC 1,719 1,316 1,679 1,809 1,654 1,411 1,127 1,389 1,352 1,389 0 3,000 0.000
AAA Members IC 1,753 1,489 1,601 1,814 1,351 1,390 1,122 1,567 1,052 1,286 11 112,526 0.098
Farm Bureau Mutual IC 1,753 1,459 1,419 2,317 1,453 1,391 1,165 1,439 1,065 1,238 6 47,727 0.126
Central Mutual IC 1,776 1,776 1,776 1,776 1,491 1,622 1,452 1,697 1,452 1,452 2 12,902 0.155
Alpha P&C IC 1,785 1,712 1,576 1,867 1,484 1,591 1,260 1,650 1,316 1,352 4 19,606 0.204
Federal IC 1,825 1,601 1,601 1,826 1,525 1,437 1,190 1,575 1,331 1,452 0 1,375 0.000
Anchor General IC 1,845 2,090 1,743 2,182 1,617 1,751 1,622 1,738 1,555 1,617 3 13,927 0.215
Fidelity National IC 1,864 1,445 1,329 1,715 1,423 1,427 1,017 1,422 1,191 1,228 0 3,807 0.000
Nevada General IC 1,867 1,453 1,651 1,747 1,507 1,201 1,495 1,315 1,219 1,165 0 600 0.000
Milbank IC 1,886 1,798 1,876 1,985 1,747 1,577 1,584 1,518 1,346 1,369 0 113,310 0.000
Safe Auto IC 1,890 1,568 1,595 1,914 1,459 1,361 1,109 1,657 1,133 1,336 16 26,859 0.596
Key IC 1,894 2,026 1,936 2,002 1,792 1,576 1,978 1,552 1,552 1,408 0 3,592 0.000
Equity IC 1,910 1,740 1,640 1,680 1,570 1,480 1,320 1,450 1,260 1,350 5 5,434 0.920
Hallmark IC 1,930 1,690 1,801 1,930 1,784 1,242 1,110 1,645 1,240 1,374 9 79,583 0.113
Safeway IC 1,930 1,583 1,551 1,630 1,608 1,524 1,305 1,423 1,309 1,324 7 180,203 0.039
Imperial F&C IC 1,955 1,819 1,591 1,978 1,648 2,038 1,433 1,796 1,391 1,578 **
Esurance P&C IC 1,967 1,625 1,660 1,989 1,512 1,403 1,154 1,703 1,183 1,409 0 1,557 0.000
Permanent General Assurance Corp 2,005 1,652 1,652 2,005 1,878 1,587 1,364 1,717 1,522 1,445 7 23,124 0.303
QBE Ins Corp 2,015 2,015 1,926 2,015 1,627 1,815 1,840 1,756 1,756 1,756 0 2,467 0.000
United Automobile IC 2,065 2,224 1,770 2,038 1,862 1,826 2,042 2,207 2,207 2,181 7 53,247 0.131
Universal North America IC 2,147 2,080 2,090 2,455 1,967 1,983 1,666 1,645 1,645 1,645 0 153 0.000
Starr Ind & Liability Co 2,165 1,840 1,679 2,027 1,934 1,742 1,343 1,588 1,588 1,696 **
American Access Casualty Co 2,226 1,734 1,819 1,973 1,651 1,697 2,211 2,211 2,211 2,211 0 4,192 0.000
Merastar IC 2,249 1,691 1,799 1,922 1,803 1,534 1,389 1,578 1,389 1,578 0 341 0.000
Peak P&C Ins Corp 2,269 1,995 1,997 2,202 2,100 1,648 1,536 1,653 1,458 1,457 3 71,351 0.042
Coast National IC 2,317 1,764 1,719 2,375 1,813 1,848 1,431 2,201 1,427 1,687 20 86,307 0.232
Metropolitan Casualty IC 2,336 1,927 1,990 2,598 1,634 1,711 1,540 2,091 1,578 1,375 10 44,548 0.224
Southern IC 2,336 2,098 1,862 2,060 1,875 3,640 2,914 2,914 2,914 2,914 1 3,226 0.310
Liberty Mutual Fire IC 2,405 2,215 2,422 2,967 2,441 2,210 1,698 2,185 1,698 2,114 13 92,611 0.140
Topa IC 2,534 2,223 2,056 2,589 1,955 1,526 1,447 1,591 1,469 1,516 0 1,201 0.000
Occidental F&C Co of NC 2,548 2,293 2,235 2,258 2,005 1,846 1,659 1,831 1,556 1,589 2 3,355 0.596
Arizona Automobile IC 2,721 2,692 1,539 2,278 1,515 1,542 1,562 1,542 1,407 1,408 4 29,383 0.136
Primero IC 2,987 2,987 2,753 2,831 2,663 2,663 2,663 2,753 2,591 2,591 1 11,571 0.086
Teachers IC 3,004 1,893 1,893 2,382 2,282 2,022 1,849 2,415 2,140 2,363 0 1,393 0.000
Young America IC 3,089 2,998 2,361 2,674 2,168 2,289 2,037 2,025 2,045 1,985 4 24,679 0.162
Santa Fe Auto IC 3,594 3,594 3,594 3,594 3,330 3,066 3,066 3,066 3,066 3,066 0 6,972 0.000
Auto-Owners IC * * * * * * * * * * 0 69 0.000
Country Preferred IC * * * * * * * * * * 1 30,792 0.032
Union IC of Providence * * * * * * * * * * 1 1,707 0.586
Hypothetical 7: Married couple; age 42; each drives 15 miles each way to work and has a median (average) credit score; wife has a clean driving record for the last three years
and drives a 2010 Ford Taurus SEL, four-door sedan; husband had one at-fault accident in 2009 and drives a 2008 Ford Explorer XLT, 4X4, four-door, 8 cylinders.
Coverages & Limits: Combined single limit liability of $40,000 or split limits of $15,000/$30,000 BI and $10,000 PD;
medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
* This insurer does not provide coverage for this hypothetical. ** New insurer that had no exposures as of December 31, 2009.
Premiums shown are six-month premiums as of September 1, 2010. Complaint Ratio (CR)
# of Complaints (C) divided by # of
Exposures (E) X 1000 = Complaint Ratio
URBAN RURAL
NAME OF INSURER Phoenix Scottsdale Mesa Glendale Tucson Casa Grande Flagstaff Nogales Safford Yuma
85053 85257 85202 85301 85719 85222 86001 85621 85546 85364 C E CR
21st Century Advantage IC $906 $801 $781 $951 $730 $689 $546 $756 $567 $639 3 19,346 0.155
National Surety Corp 987 915 977 1,167 859 862 744 754 790 779 0 172 0.000
Government Employees IC 1,015 896 939 1,102 819 943 763 778 804 813 5 95,677 0.052
United Services Auto Assoc 1,037 899 927 1,042 861 871 790 821 688 766 8 135,561 0.059
Safeco IC of America 1,060 756 767 1,032 723 771 582 841 579 620 5 42,042 0.119
Civil Service Employees IC 1,071 1,053 1,156 1,321 1,011 922 692 1,000 815 802 0 2,684 0.000
Farmers IC of AZ 1,090 1,071 1,054 1,219 995 1,017 799 801 782 911 48 409,724 0.117
Mapfre IC 1,134 1,102 1,068 1,147 1,027 1,027 994 1,002 1,017 970 0 679 0.000
Depositors IC 1,216 1,094 1,124 1,343 1,043 1,060 854 989 893 913 0 650 0.000
Electric IC 1,224 1,286 1,360 1,436 1,211 1,273 1,091 1,017 1,017 1,164 1 11,159 0.090
Travelers Home and Marine IC 1,250 1,083 1,031 1,221 1,070 981 841 1,028 888 827 1 29,194 0.034
Hartford Casualty IC 1,254 1,038 974 1,444 1,065 985 736 663 798 714 1 3,141 0.318
Great Northwest IC 1,322 1,180 1,092 1,321 933 1,015 891 996 872 947 1 1,375 0.727
Kemper Independence IC 1,325 1,164 1,201 1,431 1,134 1,071 922 1,125 972 907 0 15,964 0.000
IDS Property Casualty IC 1,330 1,202 1,219 1,330 1,273 1,194 916 1,154 916 1,154 2 32,734 0.061
Amica Mutual IC 1,362 1,266 1,148 1,367 1,160 1,153 920 1,039 1,040 1,005 1 13,441 0.074
Unitrin Direct P&C Co 1,395 1,158 1,199 1,407 1,073 984 834 1,192 829 988 2 9,211 0.217
American National P&C Co 1,414 1,226 1,450 1,414 1,254 1,334 1,158 927 1,088 936 3 16,236 0.185
Acuity, A Mutual IC 1,415 1,276 1,357 1,489 1,289 1,182 1,087 1,067 1,070 1,030 2 18,625 0.107
Victoria Specialty IC 1,481 1,338 1,188 1,531 1,175 1,194 1,037 1,241 1,043 1,088 6 21,023 0.285
State Farm Mutual Auto IC 1,511 1,362 1,379 1,511 1,424 1,307 1,036 1,248 1,036 1,248 43 731,911 0.059
Mendota IC 1,538 1,374 1,261 1,642 1,156 1,226 1,046 1,258 980 957 6 23,439 0.256
Austin Mutual IC 1,599 1,367 1,447 1,599 1,412 1,367 1,164 1,345 1,345 1,345 1 11,834 0.085
Allstate F&C IC 1,634 1,375 1,442 1,871 1,312 1,435 1,084 1,251 1,155 1,142 17 172,292 0.099
Unigard IC 1,657 1,091 995 1,655 1,320 1,209 966 1,136 1,136 979 0 3,331 0.000
Central Mutual IC 1,676 1,676 1,676 1,676 1,405 1,492 1,293 1,504 1,293 1,293 2 12,902 0.155
AAA Members IC 1,679 1,381 1,484 1,735 1,246 1,275 1,015 1,445 963 1,199 11 112,526 0.098
Fidelity National IC 1,683 1,284 1,168 1,552 1,274 1,226 895 1,275 1,037 1,110 0 3,807 0.000
Milbank IC 1,685 1,598 1,668 1,773 1,549 1,410 1,395 1,350 1,204 1,223 0 113,310 0.000
American Family Mutual IC 1,711 1,418 1,692 1,739 1,492 1,374 1,216 1,374 1,098 1,216 24 274,918 0.087
Encompass P&C Co 1,721 1,772 1,713 2,305 1,530 1,609 1,386 1,484 1,484 1,234 3 15,005 0.200
Bankers Standard IC 1,731 1,486 1,690 1,770 1,517 1,571 1,232 1,315 1,198 1,251 0 195 0.000
Secura Supreme IC 1,781 1,369 1,744 1,878 1,712 1,451 1,165 1,429 1,389 1,429 0 3,000 0.000
Badger Mutual IC 1,788 2,112 1,437 1,974 1,313 1,402 1,307 1,169 1,169 1,169 2 5,015 0.399
Cincinnati IC 1,826 1,569 1,517 1,666 1,412 1,412 1,052 1,412 1,060 1,154 1 802 1.247
Progressive Preferred IC 1,890 1,631 1,571 2,118 1,565 1,571 1,198 1,491 1,164 1,384 19 200,920 0.095
Integon Ind Corp 1,906 1,459 1,542 1,833 1,377 1,457 1,203 1,556 1,176 1,459 1 3,657 0.273
Esurance P&C IC 1,959 1,589 1,633 1,978 1,465 1,343 1,075 1,518 1,021 1,254 0 1,557 0.000
Farm Bureau Mutual IC 1,996 1,715 1,618 2,679 1,670 1,588 1,330 1,624 1,205 1,416 6 47,727 0.126
Infinity IC 2,075 1,756 1,746 2,382 1,787 1,794 1,471 1,878 1,472 2,218 11 22,733 0.484
Western General IC 2,081 1,899 1,810 1,884 1,631 1,413 1,352 1,393 1,381 1,313 1 131 7.634
Mercury Casualty Co 2,086 1,879 1,762 2,187 1,636 1,728 1,323 1,717 1,403 1,528 6 26,514 0.226
Federal IC 2,203 1,911 1,911 2,196 1,832 1,683 1,371 1,842 1,522 1,706 0 1,375 0.000
Coast National IC 2,242 1,724 1,676 2,286 1,722 1,733 1,346 2,049 1,340 1,639 20 86,307 0.232
Alpha P&C IC 2,265 2,153 1,994 2,419 1,840 2,001 1,534 2,019 1,620 1,675 4 19,606 0.204
Merastar IC 2,283 1,768 1,858 1,974 1,830 1,563 1,392 1,600 1,392 1,600 0 341 0.000
Liberty Mutual Fire IC 2,290 2,056 2,288 2,769 2,283 2,012 1,571 1,972 1,571 1,925 13 92,611 0.140
Metropolitan Casualty IC 2,338 1,927 1,972 2,565 1,634 1,678 1,484 2,046 1,542 1,329 10 44,548 0.224
Nevada General IC 2,395 1,951 2,179 2,239 1,999 1,609 1,915 1,729 1,525 1,471 0 600 0.000
Starr Ind & Liability Co 2,450 2,099 1,945 2,281 2,211 2,003 1,507 1,803 1,803 1,888 **
Permanent General Assurance Corp 2,494 1,988 1,988 2,494 2,220 1,865 1,569 2,067 1,733 1,737 7 23,124 0.303
Peak P&C Ins Corp 2,530 2,261 2,231 2,456 2,329 1,832 1,682 1,806 1,631 1,620 3 71,351 0.042
Universal North America IC 2,710 2,628 2,614 3,100 2,434 2,484 2,004 1,978 1,978 1,978 0 153 0.000
Teachers IC 3,007 1,941 1,941 2,374 2,306 1,991 1,770 2,338 2,074 2,237 0 1,393 0.000
Occidental F&C Co of NC 3,051 2,755 2,692 2,711 2,387 2,179 1,939 2,149 1,823 1,846 2 3,355 0.596
Access IC * * * * * * * * * * 1 7,989 0.125
American Access Casualty Co * * * * * * * * * * 0 4,192 0.000
Anchor General IC * * * * * * * * * * 3 13,927 0.215
Arizona Automobile IC * * * * * * * * * * 4 29,383 0.136
AssuranceAmerica IC * * * * * * * * * * 5 24,159 0.207
Auto-Owners IC * * * * * * * * * * 0 69 0.000
Cornerstone National IC * * * * * * * * * * 4 25,524 0.157
Country Preferred IC * * * * * * * * * * 1 30,792 0.032
Equity IC * * * * * * * * * * 5 5,434 0.920
Hallmark IC * * * * * * * * * * 9 79,583 0.113
Imperial F&C IC * * * * * * * * * * **
Key IC * * * * * * * * * * 0 3,592 0.000
MGA IC, Inc. * * * * * * * * * * 8 37,568 0.213
Primero IC * * * * * * * * * * 1 11,571 0.086
QBE Ins Corp * * * * * * * * * * 0 2,467 0.000
Safe Auto IC * * * * * * * * * * 16 26,859 0.596
Safeway IC * * * * * * * * * * 7 180,203 0.039
Santa Fe Auto IC * * * * * * * * * * 0 6,972 0.000
Southern IC * * * * * * * * * * 1 3,226 0.310
Topa IC * * * * * * * * * * 0 1,201 0.000
Union IC of Providence * * * * * * * * * * 1 1,707 0.586
United Automobile IC * * * * * * * * * * 7 53,247 0.131
Young America IC * * * * * * * * * * 4 24,679 0.162
Hypothetical 8: Married couple; age 42; each drives 15 miles each way to work and has a median (average) credit score; wife has a clean driving record for the last three years
and drives a 2010 Ford Taurus SEL, four-door sedan; husband had one at-fault accident in 2009 and drives a 2008 Ford Explorer XLT, 4X4, four-door, 8 cylinders.
Coverages & Limits: Combined single limit liability of $300,000 or split limits of $100,000/$300,000 BI and $50,000 PD;
medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
Premiums shown are six-month premiums as of September 1, 2010. Complaint Ratio (CR)
* This insurer does not provide coverage for this hypothetical. ** New insurer that had no exposures as of December 31, 2009.
# of Complaints (C) divided by # of
Exposures (E) X 1000 = Complaint Ratio
URBAN RURAL
NAME OF INSURER Phoenix Scottsdale Mesa Glendale Tucson Casa Grande Flagstaff Nogales Safford Yuma
85053 85257 85202 85301 85719 85222 86001 85621 85546 85364 C E CR
Electric IC $545 $558 $591 $625 $529 $582 $496 $458 $458 $522 1 11,159 0.090
Bankers Standard IC 668 567 658 685 591 633 496 526 472 493 0 195 0.000
Great Northwest IC 673 609 558 667 483 526 474 533 458 497 1 1,375 0.727
Civil Service Employees IC 675 645 718 779 643 591 443 642 517 514 0 2,684 0.000
Victoria Specialty IC 713 652 586 720 579 579 507 599 510 531 6 21,023 0.285
Central Mutual IC 715 715 715 715 602 657 597 695 597 597 2 12,902 0.155
State Farm Mutual Auto IC 729 653 664 729 675 624 512 608 512 608 43 731,911 0.059
Badger Mutual IC 730 860 567 818 518 568 517 471 471 471 2 5,015 0.399
Acuity, A Mutual IC 754 682 719 782 700 621 581 567 571 553 2 18,625 0.107
United Services Auto Assoc 776 673 688 790 652 618 585 583 489 550 8 135,561 0.059
Kemper Independence IC 807 718 731 861 861 654 561 561 606 547 0 15,964 0.000
IDS Property Casualty IC 829 746 755 829 776 708 570 674 570 674 2 32,734 0.061
Farm Bureau Mutual IC 840 710 681 1,114 699 666 555 688 509 593 6 47,727 0.126
National Surety Corp 841 781 824 928 731 753 650 651 675 642 0 172 0.000
Austin Mutual IC 844 703 755 844 744 703 617 698 698 698 1 11,834 0.085
American Family Mutual IC 860 697 852 871 727 661 584 661 513 661 24 274,918 0.087
Depositors IC 870 793 812 972 743 762 613 675 639 645 0 650 0.000
Government Employees IC 894 772 827 977 701 849 684 731 761 709 5 95,677 0.052
Mendota IC 900 808 724 927 680 707 626 718 579 558 6 23,439 0.256
Farmers IC of AZ 912 910 887 1,015 832 838 673 642 643 749 48 409,724 0.117
Safeco IC of America 932 678 689 903 637 696 518 749 525 539 5 42,042 0.119
Auto-Owners IC 944 756 844 960 766 719 583 863 604 634 0 69 0.000
Travelers Home and Marine IC 971 880 843 950 862 776 677 804 699 666 1 29,194 0.034
American National P&C Co 972 882 1,023 972 871 932 826 649 756 661 3 16,236 0.185
Milbank IC 986 938 977 1,036 910 824 830 795 704 718 0 113,310 0.000
Union IC of Providence 1,031 1,137 911 1,049 952 969 757 808 808 808 1 1,707 0.586
Unigard IC 1,045 679 636 1,039 820 785 613 717 717 622 0 3,331 0.000
Peak P&C Ins Corp 1,052 944 943 1,018 986 756 700 728 665 660 3 71,351 0.042
AAA Members IC 1,075 938 1,010 1,106 857 855 706 939 653 803 11 112,526 0.098
AssuranceAmerica IC 1,118 1,008 865 1,081 917 846 725 942 764 795 5 24,159 0.207
Progressive Preferred IC 1,128 986 932 1,215 944 941 748 877 712 820 19 200,920 0.095
21st Century Advantage IC 1,133 1,016 987 1,183 912 846 683 909 699 805 3 19,346 0.155
QBE Ins Corp 1,189 1,189 1,144 1,189 958 1,073 1,087 1,041 1,041 1,041 0 2,467 0.000
Hartford Casualty IC 1,195 1,024 899 1,389 978 915 683 603 698 717 1 3,141 0.318
Safe Auto IC 1,195 1,008 1,017 1,202 935 864 715 1,021 722 887 16 26,859 0.596
Fidelity National IC 1,204 947 868 1,115 948 905 677 907 771 809 0 3,807 0.000
Mercury Casualty Co 1,216 1,100 1,006 1,225 960 1,000 793 987 828 883 6 26,514 0.226
Imperial F&C IC 1,274 1,176 1,012 1,271 1,068 1,293 927 1,131 899 1,015 **
Starr Ind & Liability Co 1,294 1,100 1,011 1,202 1,158 1,047 780 936 936 997 **
Access IC 1,306 1,192 1,142 1,118 1,093 1,015 905 926 874 912 1 7,989 0.125
Secura Supreme IC 1,308 1,038 1,286 1,358 1,254 1,013 867 997 998 997 0 3,000 0.000
MGA IC, Inc. 1,315 1,347 1,382 1,313 1,071 1,003 957 1,052 922 913 8 37,568 0.213
Allstate F&C IC 1,324 1,121 1,166 1,453 1,072 1,190 904 1,030 960 910 17 172,292 0.099
Equity IC 1,350 1,210 1,140 1,160 1,070 1,000 900 990 860 910 5 5,434 0.920
Alpha P&C IC 1,417 1,332 1,224 1,475 1,159 1,250 974 1,271 1,020 1,056 4 19,606 0.204
Unitrin Direct P&C Co 1,456 1,254 1,282 1,466 1,192 1,111 976 1,309 950 1,113 2 9,211 0.217
Cincinnati IC 1,466 1,260 1,238 1,358 1,140 1,186 888 894 894 954 1 802 1.247
Encompass P&C Co 1,468 1,541 1,468 1,971 1,249 1,376 1,164 1,235 1,235 989 3 15,005 0.200
Integon Ind Corp 1,482 1,184 1,215 1,410 1,091 1,172 962 1,239 924 1,181 1 3,657 0.273
Metropolitan Casualty IC 1,502 1,238 1,269 1,674 1,041 1,086 985 1,323 999 863 10 44,548 0.224
Liberty Mutual Fire IC 1,504 1,396 1,523 1,879 1,551 1,422 1,081 1,415 1,081 1,357 13 92,611 0.140
Merastar IC 1,515 1,130 1,211 1,294 1,224 1,050 954 1,081 954 1,081 0 341 0.000
Infinity IC 1,558 1,328 1,287 1,733 1,346 1,328 1,120 1,365 1,103 1,638 11 22,733 0.484
Universal North America IC 1,596 1,545 1,544 1,818 1,461 1,466 1,250 1,235 1,235 1,235 0 153 0.000
American Access Casualty Co 1,646 1,635 1,611 1,583 1,369 1,133 2,579 2,579 2,579 2,579 0 4,192 0.000
Federal IC 1,648 1,438 1,438 1,649 1,378 1,288 1,058 1,415 1,174 1,309 0 1,375 0.000
Santa Fe Auto IC 1,680 1,680 1,680 1,680 1,560 1,440 1,440 1,440 1,440 1,440 0 6,972 0.000
Key IC 1,690 1,828 1,738 1,810 1,582 1,378 1,768 1,360 1,360 1,204 0 3,592 0.000
Occidental F&C Co of NC 1,707 1,533 1,490 1,511 1,346 1,246 1,123 1,242 1,053 1,081 2 3,355 0.596
Coast National IC 1,711 1,348 1,287 1,740 1,352 1,353 1,069 1,575 1,054 1,283 20 86,307 0.232
Permanent General Assurance Corp 1,765 1,431 1,431 1,765 1,579 1,344 1,150 1,499 1,270 1,213 7 23,124 0.303
Esurance P&C IC 1,768 1,496 1,505 1,775 1,386 1,278 1,069 1,504 1,080 1,341 0 1,557 0.000
Amica Mutual IC 1,781 1,631 1,519 1,780 1,538 1,546 1,290 1,469 1,440 1,392 1 13,441 0.074
Nevada General IC 1,789 1,381 1,573 1,657 1,453 1,153 1,435 1,267 1,171 1,117 0 600 0.000
Hallmark IC 1,844 1,654 1,732 1,844 1,707 1,176 1,042 1,503 1,182 1,267 9 79,583 0.113
Teachers IC 1,947 1,209 1,209 1,457 1,479 1,267 1,188 1,513 1,333 1,399 0 1,393 0.000
Primero IC 2,057 2,057 1,937 1,973 1,895 1,895 1,895 1,937 1,859 1,859 1 11,571 0.086
United Automobile IC 2,222 2,548 1,950 2,322 2,080 2,034 2,252 2,480 2,480 2,425 7 53,247 0.131
Young America IC 2,623 2,555 2,012 2,273 1,850 1,990 1,775 1,760 1,773 1,733 4 24,679 0.162
Anchor General IC * * * * * * * * * * 3 13,927 0.215
Arizona Automobile IC * * * * * * * * * * 4 29,383 0.136
Cornerstone National IC * * * * * * * * * * 4 25,524 0.157
Country Preferred IC * * * * * * * * * * 1 30,792 0.032
Mapfre IC * * * * * * * * * * 0 679 0.000
Safeway IC * * * * * * * * * * 7 180,203 0.039
Southern IC * * * * * * * * * * 1 3,226 0.310
Topa IC * * * * * * * * * * 0 1,201 0.000
Western General IC * * * * * * * * * * 1 131 7.634
# of Complaints (C) divided by # of
Exposures (E) X 1000 = Complaint Ratio
Hypothetical 9: Married couple - male age 81 and female age 80. Both drivers have a clean driving record and no credit history.
Premiums shown are six-month premiums as of September 1, 2010. Complaint Ratio (CR)
Coverages & Limits: Combined single limit liability of $40,000 or split limits of $15,000/$30,000 BI and $10,000 PD;
* This insurer does not provide coverage for this hypothetical. ** New insurer that had no exposures as of December 31, 2009.
They drive a 2010 Ford Taurus SEL, four-door sedan, automatic, for pleasure use.
medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
URBAN RURAL
NAME OF INSURER Phoenix Scottsdale Mesa Glendale Tucson Casa Grande Flagstaff Nogales Safford Yuma
85053 85257 85202 85301 85719 85222 86001 85621 85546 85364 C E CR
Electric IC $640 $667 $704 $746 $628 $661 $566 $529 $529 $602 1 11,159 0.090
Civil Service Employees IC 763 738 817 912 722 661 494 715 580 574 0 2,684 0.000
Bankers Standard IC 779 672 762 797 678 709 558 593 540 563 0 195 0.000
Great Northwest IC 784 704 651 787 556 607 534 599 523 567 1 1,375 0.727
National Surety Corp 802 737 786 911 697 702 605 595 628 606 0 172 0.000
United Services Auto Assoc 842 723 736 845 701 664 617 626 520 592 8 135,561 0.059
State Farm Mutual Auto IC 854 768 779 854 802 740 590 712 590 712 43 731,911 0.059
Badger Mutual IC 859 1,012 681 953 624 672 621 564 564 564 2 5,015 0.399
IDS Property Casualty IC 859 778 786 859 821 753 585 714 585 714 2 32,734 0.061
Victoria Specialty IC 869 792 698 911 680 695 594 706 602 631 6 21,023 0.285
Central Mutual IC 870 870 870 870 732 779 686 796 686 686 2 12,902 0.155
Acuity, A Mutual IC 887 797 855 924 817 722 675 657 662 644 2 18,625 0.107
Milbank IC 887 840 878 932 817 744 734 711 636 646 0 113,310 0.000
Depositors IC 911 827 843 1,022 778 783 622 692 646 664 0 650 0.000
Kemper Independence IC 917 813 830 986 785 729 623 756 663 616 0 15,964 0.000
Safeco IC of America 939 682 691 914 648 692 529 747 524 550 5 42,042 0.119
Travelers Home and Marine IC 949 844 800 921 821 737 634 760 666 633 1 29,194 0.034
Farm Bureau Mutual IC 970 849 791 1,309 815 774 647 790 586 691 6 47,727 0.126
American Family Mutual IC 972 797 967 986 828 748 665 748 585 748 24 274,918 0.087
Austin Mutual IC 993 844 896 993 877 844 725 831 831 831 1 11,834 0.085
AAA Members IC 1,002 851 916 1,033 772 772 624 849 583 730 11 112,526 0.098
21st Century Advantage IC 1,011 909 889 1,059 813 752 616 808 627 731 3 19,346 0.155
Farmers IC of AZ 1,020 1,014 985 1,135 925 932 732 675 700 824 48 409,724 0.117
Hartford Casualty IC 1,057 877 796 1,236 861 833 590 529 596 622 1 3,141 0.318
Government Employees IC 1,082 920 987 1,175 844 998 802 845 884 847 5 95,677 0.052
Fidelity National IC 1,103 852 775 1,021 853 793 601 826 681 736 0 3,807 0.000
Mendota IC 1,103 975 883 1,164 820 851 739 856 692 674 6 23,439 0.256
American National P&C Co 1,128 991 1,165 1,128 997 1,067 937 728 872 749 3 16,236 0.185
Auto-Owners IC 1,142 924 1,015 1,158 930 872 711 1,035 733 768 0 69 0.000
Unigard IC 1,181 780 700 1,180 942 835 674 790 790 678 0 3,331 0.000
Progressive Preferred IC 1,216 1,052 1,001 1,354 1,000 993 769 917 745 871 19 200,920 0.095
Peak P&C Ins Corp 1,257 1,147 1,129 1,217 1,172 903 821 852 799 787 3 71,351 0.042
Union IC of Providence 1,285 1,423 1,120 1,280 1,172 1,172 887 951 951 951 1 1,707 0.586
Allstate F&C IC 1,286 1,076 1,132 1,445 1,039 1,129 857 960 907 873 17 172,292 0.099
Secura Supreme IC 1,358 1,082 1,338 1,412 1,299 1,045 898 1,028 1,027 1,028 0 3,000 0.000
Liberty Mutual Fire IC 1,432 1,299 1,437 1,754 1,450 1,297 1,002 1,281 1,002 1,238 13 92,611 0.140
Amica Mutual IC 1,483 1,375 1,255 1,488 1,274 1,275 1,022 1,161 1,155 1,116 1 13,441 0.074
Starr Ind & Liability Co 1,486 1,273 1,188 1,372 1,345 1,221 887 1,076 1,076 1,124 **
Merastar IC 1,501 1,143 1,212 1,292 1,209 1,037 929 1,063 929 1,063 0 341 0.000
Mercury Casualty Co 1,564 1,391 1,284 1,619 1,211 1,254 973 1,232 1,029 1,121 6 26,514 0.226
Metropolitan Casualty IC 1,586 1,321 1,341 1,731 1,131 1,154 1,038 1,388 1,066 927 10 44,548 0.224
Encompass P&C Co 1,631 1,724 1,638 2,220 1,382 1,511 1,251 1,342 1,342 1,084 3 15,005 0.200
Integon Ind Corp 1,652 1,254 1,344 1,588 1,164 1,228 1,005 1,325 988 1,248 1 3,657 0.273
Cincinnati IC 1,692 1,462 1,398 1,540 1,302 1,294 970 976 976 1,066 1 802 1.247
Coast National IC 1,696 1,343 1,285 1,718 1,312 1,298 1,023 1,504 1,013 1,271 20 86,307 0.232
Unitrin Direct P&C Co 1,702 1,451 1,484 1,712 1,354 1,248 1,086 1,484 1,066 1,269 2 9,211 0.217
Esurance P&C IC 1,760 1,460 1,478 1,766 1,333 1,219 1,007 1,455 1,025 1,312 0 1,557 0.000
Alpha P&C IC 1,823 1,691 1,565 1,935 1,453 1,564 1,196 1,573 1,268 1,324 4 19,606 0.204
Teachers IC 1,973 1,254 1,254 1,483 1,511 1,266 1,147 1,488 1,313 1,356 0 1,393 0.000
Occidental F&C Co of NC 1,990 1,791 1,744 1,765 1,559 1,431 1,277 1,416 1,199 1,222 2 3,355 0.596
Universal North America IC 2,007 1,945 1,909 2,279 1,789 1,817 1,487 1,468 1,468 1,468 0 153 0.000
Federal IC 2,110 1,812 1,812 2,103 1,753 1,591 1,275 1,748 1,402 1,625 0 1,375 0.000
Infinity IC 2,184 1,812 1,773 2,498 1,839 1,801 1,478 1,840 1,488 2,256 11 22,733 0.484
Permanent General Assurance Corp 2,222 1,751 1,751 2,222 1,888 1,609 1,343 1,824 1,468 1,483 7 23,124 0.303
Nevada General IC 2,233 1,801 2,029 2,065 1,861 1,483 1,795 1,609 1,411 1,357 0 600 0.000
Access IC * * * * * * * * * * 1 7,989 0.125
American Access Casualty Co * * * * * * * * * * 0 4,192 0.000
Anchor General IC * * * * * * * * * * 3 13,927 0.215
Arizona Automobile IC * * * * * * * * * * 4 29,383 0.136
AssuranceAmerica IC * * * * * * * * * * 5 24,159 0.207
Cornerstone National IC * * * * * * * * * * 4 25,524 0.157
Country Preferred IC * * * * * * * * * * 1 30,792 0.032
Equity IC * * * * * * * * * * 5 5,434 0.920
Hallmark IC * * * * * * * * * * 9 79,583 0.113
Imperial F&C IC * * * * * * * * * * **
Key IC * * * * * * * * * * 0 3,592 0.000
Mapfre IC * * * * * * * * * * 0 679 0.000
MGA IC, Inc. * * * * * * * * * * 8 37,568 0.213
Primero IC * * * * * * * * * * 1 11,571 0.086
QBE Ins Corp * * * * * * * * * * 0 2,467 0.000
Safe Auto IC * * * * * * * * * * 16 26,859 0.596
Safeway IC * * * * * * * * * * 7 180,203 0.039
Santa Fe Auto IC * * * * * * * * * * 0 6,972 0.000
Southern IC * * * * * * * * * * 1 3,226 0.310
Topa IC * * * * * * * * * * 0 1,201 0.000
United Automobile IC * * * * * * * * * * 7 53,247 0.131
Western General IC * * * * * * * * * * 1 131 7.634
Young America IC * * * * * * * * * * 4 24,679 0.162
Premiums shown are six-month premiums as of September 1, 2010. Complaint Ratio (CR)
* This insurer does not provide coverage for this hypothetical. ** New insurer that had no exposures as of December 31, 2009.
# of Complaints (C) divided by # of
Exposures (E) X 1000 = Complaint Ratio
Hypothetical 10: Married couple - male age 81 and female age 80. Both drivers have a clean driving record and no credit history.
They drive a 2010 Ford Taurus SEL, four-door sedan, automatic, for pleasure use.
Coverages & Limits: Combined single limit liability of $300,000 or split limits of $100,000/$300,000 BI and $50,000 PD;
medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
URBAN RURAL
NAME OF INSURER Phoenix Scottsdale Mesa Glendale Tucson Casa Grande Flagstaff Nogales Safford Yuma
85053 85257 85202 85301 85719 85222 86001 85621 85546 85364 C E CR
Depositors IC $467 $423 $437 $512 $403 $417 $343 $393 $360 $362 0 650 0.000
21st Century Advantage IC 468 417 404 486 373 346 277 377 286 323 3 19,346 0.155
Civil Service Employees IC 479 459 509 558 454 418 315 456 368 365 0 2,684 0.000
Government Employees IC 491 444 461 543 403 461 389 401 413 395 5 95,677 0.052
Electric IC 513 523 555 587 498 545 467 430 430 490 1 11,159 0.090
United Services Auto Assoc 516 448 466 525 429 437 401 412 344 381 8 135,561 0.059
Travelers Home and Marine IC 533 476 458 526 471 436 386 458 398 370 1 29,194 0.034
Mapfre IC 546 495 477 565 442 442 420 431 440 394 0 679 0.000
Kemper Independence IC 565 500 517 601 487 468 401 488 434 393 0 15,964 0.000
Acuity, A Mutual IC 578 525 548 607 528 492 453 448 449 429 2 18,625 0.107
Farmers IC of AZ 585 634 570 712 532 591 439 494 429 539 48 409,724 0.117
State Farm Mutual Auto IC 591 530 539 591 548 508 415 496 415 496 43 731,911 0.059
Country Preferred IC 602 546 596 803 691 608 460 571 420 571 1 30,792 0.032
American National P&C Co 610 548 636 610 550 587 518 424 478 422 3 16,236 0.185
Unitrin Direct P&C Co 615 519 537 623 498 468 406 562 401 456 2 9,211 0.217
Great Northwest IC 637 575 530 631 459 501 451 508 435 472 1 1,375 0.727
Amica Mutual IC 639 587 546 639 552 554 464 528 517 500 1 13,441 0.074
Victoria Specialty IC 658 599 546 658 545 544 486 582 486 503 6 21,023 0.285
National Surety Corp 664 625 659 753 575 603 520 542 548 533 0 172 0.000
Bankers Standard IC 668 567 658 685 591 633 496 526 472 493 0 195 0.000
Farm Bureau Mutual IC 680 569 552 900 564 541 454 560 414 482 6 47,727 0.126
Hartford Casualty IC 696 603 544 794 592 545 440 396 483 424 1 3,141 0.318
Austin Mutual IC 703 585 629 703 620 585 514 581 581 581 1 11,834 0.085
Badger Mutual IC 705 830 547 791 499 547 497 456 456 456 2 5,015 0.399
Safeco IC of America 711 511 519 691 487 526 393 574 398 422 5 42,042 0.119
Mendota IC 719 652 596 755 550 581 506 597 469 455 6 23,439 0.256
Auto-Owners IC 722 579 645 733 588 552 447 660 465 488 0 69 0.000
AAA Members IC 727 619 665 748 563 575 475 653 441 543 11 112,526 0.098
Central Mutual IC 739 739 739 739 623 679 617 718 617 617 2 12,902 0.155
Unigard IC 749 484 460 744 589 577 446 525 525 458 0 3,331 0.000
American Family Mutual IC 765 615 751 777 658 609 528 609 470 609 24 274,918 0.087
IDS Property Casualty IC 769 688 702 769 716 672 547 664 547 664 2 32,734 0.061
Secura Supreme IC 779 585 757 819 756 662 513 652 632 652 0 3,000 0.000
Cincinnati IC 796 684 673 738 620 645 482 485 485 518 1 802 1.247
Progressive Preferred IC 828 721 695 901 698 708 552 685 530 618 19 200,920 0.095
Union IC of Providence 830 913 732 844 765 776 608 647 647 647 1 1,707 0.586
Western General IC 836 794 757 795 718 623 591 617 610 580 1 131 7.634
Fidelity National IC 837 652 597 771 643 642 465 642 540 560 0 3,807 0.000
Cornerstone National IC 842 826 811 842 726 675 575 804 653 725 4 25,524 0.157
Infinity IC 865 740 732 974 755 760 633 802 623 933 11 22,733 0.484
Integon Ind Corp 937 720 759 904 680 722 599 773 585 722 1 3,657 0.273
Allstate F&C IC 938 801 833 1,051 757 850 648 761 695 672 17 172,292 0.099
Alpha P&C IC 977 941 863 1,020 813 882 692 894 721 737 4 19,606 0.204
Federal IC 979 855 855 980 816 765 628 841 700 776 0 1,375 0.000
Mercury Casualty Co 982 914 851 1,021 797 850 664 845 695 743 6 26,514 0.226
Milbank IC 993 944 985 1,045 919 832 836 802 710 722 0 113,310 0.000
Key IC 1,000 1,066 1,024 1,060 940 832 1,048 820 820 742 0 3,592 0.000
Access IC 1,002 919 883 861 848 792 706 725 684 714 1 7,989 0.125
AssuranceAmerica IC 1,020 931 818 1,018 844 807 677 907 714 749 5 24,159 0.207
Anchor General IC 1,027 1,179 981 1,234 914 994 922 993 884 923 3 13,927 0.215
Liberty Mutual Fire IC 1,028 949 1,040 1,279 1,060 967 740 962 740 924 13 92,611 0.140
MGA IC, Inc. 1,039 1,059 1,080 1,004 833 756 731 795 716 697 8 37,568 0.213
QBE Ins Corp 1,048 1,048 1,010 1,048 848 948 959 921 921 921 0 2,467 0.000
Universal North America IC 1,051 1,019 1,016 1,195 963 965 823 813 813 813 0 153 0.000
Encompass P&C Co 1,052 1,068 1,041 1,394 948 1,015 900 951 951 778 3 15,005 0.200
Imperial F&C IC 1,083 1,008 883 1,093 920 1,138 805 1,014 781 886 **
Starr Ind & Liability Co 1,085 931 861 1,013 978 889 673 800 800 845 **
Metropolitan Casualty IC 1,097 901 928 1,226 759 794 724 973 734 637 10 44,548 0.224
Safe Auto IC 1,128 935 956 1,145 880 829 681 1,008 693 806 16 26,859 0.596
Nevada General IC 1,129 877 985 1,051 913 739 901 799 751 721 0 600 0.000
Merastar IC 1,140 852 910 971 920 789 716 811 716 811 0 341 0.000
Esurance P&C IC 1,158 974 996 1,169 911 844 715 1,011 732 846 0 1,557 0.000
Permanent General Assurance Corp 1,188 978 978 1,188 1,123 942 806 1,022 907 852 7 23,124 0.303
Safeway IC 1,196 985 965 1,012 1,001 954 813 891 819 827 7 180,203 0.039
United Automobile IC 1,257 1,352 1,077 1,249 1,126 1,107 1,248 1,345 1,345 1,336 7 53,247 0.131
Coast National IC 1,411 1,069 1,043 1,448 1,105 1,133 879 1,356 876 1,029 20 86,307 0.232
Hallmark IC 1,454 1,270 1,358 1,454 1,346 942 843 1,248 939 1,042 9 79,583 0.113
Southern IC 1,463 1,302 1,161 1,285 1,176 2,316 1,848 1,848 1,848 1,848 1 3,226 0.310
Teachers IC 1,529 952 952 1,201 1,160 1,032 951 1,229 1,092 1,191 0 1,393 0.000
Peak P&C Ins Corp 1,553 1,385 1,385 1,505 1,438 1,108 1,029 1,096 982 983 3 71,351 0.042
Topa IC 1,570 1,367 1,273 1,607 1,218 962 913 1,007 928 961 0 1,201 0.000
Santa Fe Auto IC 1,644 1,644 1,644 1,644 1,530 1,410 1,410 1,410 1,410 1,410 0 6,972 0.000
American Access Casualty Co 1,652 1,615 1,670 1,631 1,501 1,116 3,449 3,449 3,449 3,449 0 4,192 0.000
Occidental F&C Co of NC 1,701 1,528 1,483 1,508 1,340 1,239 1,115 1,235 1,048 1,073 2 3,355 0.596
Primero IC 1,799 1,799 1,685 1,721 1,643 1,643 1,643 1,685 1,601 1,601 1 11,571 0.086
Young America IC 1,821 1,770 1,396 1,578 1,283 1,369 1,221 1,212 1,223 1,192 4 24,679 0.162
Arizona Automobile IC 1,978 1,955 1,122 1,662 1,105 1,147 1,164 1,157 1,047 1,055 4 29,383 0.136
Equity IC * * * * * * * * * * 5 5,434 0.920
** New insurer that had no exposures as of December 31, 2009.
Premiums shown are six-month premiums as of September 1, 2010. Complaint Ratio (CR)
# of Complaints (C) divided by # of
Exposures (E) X 1000 = Complaint Ratio
Hypothetical 11: Unmarried female; age 41; rides bus to work. She has a clean driving record the last 3 years, a median (average)
credit score and drives a 2010 Ford Taurus SEL, four-door sedan, automatic, for pleasure use.
Coverages & Limits: Combined single limit liability of $40,000 or split limits of $15,000/$30,000 BI and $10,000 PD;
medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
URBAN RURAL
NAME OF INSURER Phoenix Scottsdale Mesa Glendale Tucson Casa Grande Flagstaff Nogales Safford Yuma
85053 85257 85202 85301 85719 85222 86001 85621 85546 85364 C E CR
Depositors IC $467 $423 $437 $512 $403 $417 $343 $393 $360 $362 0 650 0.000
21st Century Advantage IC 490 436 424 509 391 363 290 395 300 338 3 19,346 0.155
Civil Service Employees IC 530 508 564 616 503 463 348 505 407 404 0 2,684 0.000
Travelers Home and Marine IC 539 480 463 533 477 442 392 466 404 375 1 29,194 0.034
Government Employees IC 543 491 510 600 444 528 429 445 457 436 5 95,677 0.052
United Services Auto Assoc 557 484 503 567 463 471 433 444 371 410 8 135,561 0.059
Kemper Independence IC 575 510 527 611 495 495 408 497 440 399 0 15,964 0.000
Farmers IC of AZ 585 634 570 712 532 591 439 494 429 539 48 409,724 0.117
Mapfre IC 588 583 517 610 476 476 450 465 474 428 0 679 0.000
Unitrin Direct P&C Co 615 519 537 623 498 468 406 562 401 456 2 9,211 0.217
Electric IC 625 640 677 717 606 668 570 526 526 600 1 11,159 0.090
Acuity, A Mutual IC 632 577 601 667 580 539 497 492 491 469 2 18,625 0.107
Country Preferred IC 656 594 650 877 754 664 502 624 458 624 1 30,792 0.032
Victoria Specialty IC 658 599 546 658 545 544 486 582 486 503 6 21,023 0.285
National Surety Corp 666 627 661 757 575 604 521 545 549 536 0 172 0.000
Great Northwest IC 667 602 553 657 480 524 470 530 455 493 1 1,375 0.727
Mendota IC 719 652 596 755 550 581 506 597 469 455 6 23,439 0.256
Safeco IC of America 730 523 531 710 499 537 401 587 406 433 5 42,042 0.119
State Farm Mutual Auto IC 730 653 664 730 675 626 513 612 513 612 43 731,911 0.059
Amica Mutual IC 736 674 629 735 635 640 533 608 595 576 1 13,441 0.074
American National P&C Co 740 669 777 740 671 716 634 518 582 516 3 16,236 0.185
Bankers Standard IC 762 645 751 781 674 724 566 600 539 563 0 195 0.000
Austin Mutual IC 771 641 690 771 680 641 565 636 636 636 1 11,834 0.085
Hartford Casualty IC 787 678 610 902 664 617 499 444 551 474 1 3,141 0.318
Badger Mutual IC 794 938 621 888 566 621 566 511 511 511 2 5,015 0.399
Progressive Preferred IC 828 721 695 901 698 708 552 685 530 618 19 200,920 0.095
AAA Members IC 835 713 764 859 650 662 544 749 507 624 11 112,526 0.098
IDS Property Casualty IC 835 746 761 835 775 728 592 718 592 718 2 32,734 0.061
Western General IC 836 794 757 795 718 623 591 617 610 580 1 131 7.634
Fidelity National IC 837 652 597 771 643 642 465 642 540 560 0 3,807 0.000
Cornerstone National IC 842 826 811 842 726 675 575 804 653 725 4 25,524 0.157
Unigard IC 854 551 527 849 670 661 509 600 600 523 0 3,331 0.000
American Family Mutual IC 863 694 849 875 740 683 593 683 526 683 24 274,918 0.087
Infinity IC 865 740 732 974 755 760 633 802 623 933 11 22,733 0.484
Secura Supreme IC 867 649 842 913 842 742 572 730 706 730 0 3,000 0.000
Central Mutual IC 873 873 873 873 736 804 731 851 731 731 2 12,902 0.155
Cincinnati IC 876 752 741 811 682 710 530 533 533 570 1 802 1.247
Auto-Owners IC 881 705 787 897 716 671 542 805 561 592 0 69 0.000
Farm Bureau Mutual IC 909 753 737 1,198 751 723 607 750 555 644 6 47,727 0.126
Allstate F&C IC 939 803 834 1,055 757 851 648 764 695 676 17 172,292 0.099
Integon Ind Corp 946 726 767 913 728 605 779 592 592 728 1 3,657 0.273
Union IC of Providence 950 1,058 839 967 877 892 697 744 744 744 1 1,707 0.586
Alpha P&C IC 977 941 863 1,020 813 882 692 894 721 737 4 19,606 0.204
Mercury Casualty Co 982 914 851 1,021 797 850 664 845 695 743 6 26,514 0.226
Milbank IC 993 944 985 1,045 919 832 836 802 710 722 0 113,310 0.000
Key IC 1,000 1,066 1,024 1,060 940 832 1,048 820 820 742 0 3,592 0.000
Access IC 1,002 919 883 861 848 792 706 725 684 714 1 7,989 0.125
AssuranceAmerica IC 1,020 931 818 1,018 844 807 677 907 714 749 5 24,159 0.207
Anchor General IC 1,027 1,179 981 1,234 914 994 922 993 884 923 3 13,927 0.215
MGA IC, Inc. 1,039 1,059 1,080 1,004 833 756 731 795 716 697 8 37,568 0.213
QBE Ins Corp 1,048 1,048 1,010 1,048 848 948 959 921 921 921 0 2,467 0.000
Federal IC 1,053 918 918 1,054 876 823 675 905 753 834 0 1,375 0.000
Imperial F&C IC 1,083 1,008 883 1,093 920 1,138 805 1,014 781 886 **
Starr Ind & Liability Co 1,085 931 861 1,013 978 889 673 800 800 845 **
Equity IC 1,110 990 940 950 900 850 760 830 720 780 5 5,434 0.920
Encompass P&C Co 1,123 1,139 1,110 1,491 1,009 1,081 957 1,012 1,012 827 3 15,005 0.200
Safe Auto IC 1,128 935 956 1,145 880 829 681 1,008 693 806 16 26,859 0.596
Nevada General IC 1,129 877 985 1,051 913 739 901 799 751 721 0 600 0.000
Merastar IC 1,140 852 910 971 920 789 716 811 716 811 0 341 0.000
Esurance P&C IC 1,158 974 996 1,169 911 844 715 1,011 732 846 0 1,557 0.000
Metropolitan Casualty IC 1,159 956 985 1,300 806 845 771 1,037 782 681 10 44,548 0.224
Permanent General Assurance Corp 1,188 978 978 1,188 1,123 942 806 1,022 907 852 7 23,124 0.303
Safeway IC 1,196 985 965 1,012 1,001 954 813 891 819 827 7 180,203 0.039
Universal North America IC 1,210 1,172 1,171 1,378 1,109 1,113 949 938 938 938 0 153 0.000
Liberty Mutual Fire IC 1,215 1,124 1,230 1,516 1,252 1,144 872 1,139 872 1,094 13 92,611 0.140
Coast National IC 1,411 1,069 1,043 1,448 1,105 1,133 879 1,356 876 1,029 20 86,307 0.232
Hallmark IC 1,454 1,270 1,358 1,454 1,346 942 843 1,248 939 1,042 9 79,583 0.113
Southern IC 1,463 1,302 1,161 1,285 1,176 2,316 1,848 1,848 1,848 1,848 1 3,226 0.310
Peak P&C Ins Corp 1,553 1,385 1,385 1,505 1,438 1,108 1,029 1,096 982 983 3 71,351 0.042
Topa IC 1,570 1,367 1,273 1,607 1,218 962 913 1,007 928 961 0 1,201 0.000
Santa Fe Auto IC 1,644 1,644 1,644 1,644 1,530 1,410 1,410 1,410 1,410 1,410 0 6,972 0.000
Teachers IC 1,649 1,026 1,026 1,300 1,250 1,117 1,030 1,331 1,183 1,297 0 1,393 0.000
American Access Casualty Co 1,652 1,615 1,670 1,631 1,501 1,116 3,449 3,449 3,449 3,449 0 4,192 0.000
Occidental F&C Co of NC 1,760 1,579 1,534 1,558 1,383 1,281 1,153 1,276 1,082 1,110 2 3,355 0.596
Primero IC 1,799 1,799 1,685 1,721 1,643 1,643 1,643 1,685 1,601 1,601 1 11,571 0.086
Young America IC 1,854 1,801 1,421 1,607 1,304 1,392 1,240 1,231 1,244 1,211 4 24,679 0.162
Arizona Automobile IC 1,978 1,955 1,122 1,662 1,105 1,147 1,164 1,157 1,047 1,055 4 29,383 0.136
United Automobile IC * * * * * * * * * * 7 53,247 0.131
Premiums shown are six-month premiums as of September 1, 2010. Complaint Ratio (CR)
** New insurer that had no exposures as of December 31, 2009.
# of Complaints (C) divided by # of
Exposures (E) X 1000 = Complaint Ratio
Hypothetical 12: Unmarried female; age 41; drives 15 miles each way to work. She has a clean driving record the last 3 years,
a median (average) credit score and drives a 2010 Ford Taurus SEL, four-door sedan, automatic.
Coverages & Limits: Combined single limit liability of $40,000 or split limits of $15,000/$30,000 BI and $10,000 PD;
medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
INSURER TELEPHONE NUMBER
AAA Members IC (866) 298-1232
Access IC (800) 817-9744
Acuity, A Mutual IC (800) 242-7666
AIG Advantage IC (800) 807-9458
Allied P&C IC (800) 228-4011
Allstate F&C IC (800) 255-7828
Alpha P&C IC (800) 456-1919
American Access Casualty Co (602) 995-8400
American Commerce IC (800) 562-4517
American Family Mutual IC See Yellow Pages
American Hallmark IC of Texas (800) 486-5616
American National P&C Co (602) 327-4282
Amica Mutual IC (800) 242-6422
Anchor General IC (800) 542-6246
Arizona Automobile IC (480) 413-9173
AssuranceAmerica IC (888) 952-2902
Austin Mutual IC (800) 328-4628
Badger Mutual IC (800) 837-7833
Bankers Standard IC (800) 444-6161
Central Mutual IC (800) 786-0673
Cincinnati IC (800) 635-7521
Civil Service Employees IC (800) 282-6848
Coast National IC (888) 888-0080
Commerce and Industry IC (212) 770-7000
Commerce West IC (800) 244-1545
Cornerstone National IC (888) 542-4222
Country Preferred IC (480) 497-5563
Electric IC (800) 227-2757
Encompass P&C Co (800) 262-9262
Equity IC (877) 998-3400
Esurance IC (800) 378-7262
Farm Bureau Mutual IC (480) 635-3600
Farmers IC Of AZ (602) 863-8100
Federal IC (623) 445-2500
Fidelity National IC (800) 849-6140
Government Employees IC (800) 841-3000
Great Northwest IC (800) 776-3386
Hartford Casualty IC (800) 843-7824
IDS Property Casualty IC (800) 842-3344
Infinity IC (877) 444-1087
Integon Ind Corp (877) 468-3466
Kemper Independence IC (877) 252-7878
Key IC (800) 255-6503
Liberty Mutual Fire IC (800) 837-5254
Mapfre IC (866) 874-2242
Mendota IC (800) 422-0792
Merastar IC (800) 637-2782
Mercury Casualty Co (800) 503-3724
Metropolitan Casualty IC (800) 638-4663
MGA IC, Inc. (866) 424-6726
Milbank IC (800) 444-9950
National Guaranty IC * (800) 522-3433
National Surety Corp (800) 633-6006
Nevada General IC (602) 678-0777
Occidental F&C Co of NC (800) 233-1880
Owners IC (480) 830-7119
Peak P&C Ins Corp (800) 334-0090
Permanent General Assurance Corp (877) 436-3725
Primero IC (800) 925-8185
Progressive Preferred IC (800) 876-5581
QBE Ins Corp (800) 333-5553
Response IC (800) 677-6642
Safe Auto IC (800) 723-3288
Safeco IC of America (800) 472-3326
Safeway IC (480) 838-0900
Santa Fe Auto IC (888) 365-4201
Secura Supreme IC (866) 356-7870
Southern IC (800) 223-6973
State Farm Mutual Auto IC See Yellow Pages
Teachers IC (800) 999-1030
Topa IC (800) 223-6973
Travelers Home and Marine IC (888) 695-4625
Unigard IC (800) 456-1626
Union IC of Providence (623) 776-2500
United Automobile IC (866) 461-9413
United Services Auto Assoc ** (800) 531-8111
Unitrin Direct P&C Co (800) 864-8746
Universal Casualty Co (800) 766-8198
Universal North America IC (866) 458-4262
Victoria Specialty IC (800) 888-8424
Western General IC (800) 525-2664
Young America IC (800) 831-5299
* This insurer does not write medical payments coverage.
** Primarily available to current, retired and former U.S. military officers and their dependents.
AUTOMOBILE INSURER TELEPHONE NUMBERS
Note: Telephone numbers are subject to change
Some numbers may result in the caller being referred to an agent by the insurer.
COVERAGES
The following information describes the nature of certain automobile insurance coverages.
Bodily Injury Coverage – Split Limits
You must buy bodily injury coverage. Bodily injury coverage is a type of liability insurance. It pays for medical
expenses, lost wages, and pain and suffering that you cause and for which you are legally responsible or liable
to others due to an automobile accident.
Bodily injury coverage does not pay for your medical expenses, lost wages, and pain and suffering from any
accident. To pay for your injuries and expenses you may buy medical payments coverage, uninsured motorist
coverage, and underinsured motorist coverage.
If you do not have sufficient bodily injury coverage and you cause an accident, a court may order you to
compensate those you hurt in the accident. To decide how much bodily injury coverage you should buy, you
must decide (1) how much coverage you can afford to buy and (2) how much of your assets you would be
willing to lose if you cause a serious accident. You must buy at least the minimum bodily injury liability limits,
but you may buy higher limits. The minimum required bodily injury coverage is:
••
$15,000 for the injury or death of one person
$30,000 for the injury or death of two or more people in any one accident.
Property Damage Coverage – Split Limits
You must buy at least $10,000 of property damage coverage, but you may purchase higher limits. It pays for
the property damage that you cause others and for which you are liable due to an automobile accident. Property
damage includes, but is not limited to, damage to buildings or other vehicles or their contents, and damage to
fences and road signs.
Property damage coverage does not pay for damage to your vehicle. To pay for damages to your vehicle, you
may buy comprehensive and collision coverages.
If you do not have any or enough property damage coverage and you cause an accident, a court may order you
to pay for the property that you damaged in the accident. To decide how much property damage coverage you
should buy, you must decide (1) how much coverage you can afford to buy and (2) how much of your assets
you would be willing to lose if the damage you cause is serious.
Bodily Injury and Property Damage Coverage – Combined Single Limits
An insurer may sell a motor vehicle policy that combines coverage for bodily injury and property damage under
one liability limit. You must buy at least the minimum liability limit of $40,000 if you buy combined bodily injury
and property damage coverage. You may choose to buy higher limits. For more information on this coverage,
please refer to Bodily Injury Coverage – Split Limits and Property Damage Coverage – Split Limits above.
Uninsured Motorist Coverage and Underinsured Motorist Coverage – Optional Coverages
Insurers must offer uninsured motorist and underinsured motorist coverages. It is your choice whether to buy
uninsured motorist or underinsured motorist coverages. Uninsured motorist coverage pays for medical
expenses, lost wages, and pain and suffering caused by an uninsured driver, a hit-and-run driver or a miss-and-run
driver. Underinsured motorist coverage increases your coverage for medical expenses, lost wages, and
pain and suffering caused by a driver who does not have enough insurance to pay for these damages.
COVERAGES
(continued)
Uninsured Motorist Coverage and Underinsured Motorist Coverage – Optional Coverages (continued)
These coverages protect you, and/or your family members who live with you and passengers in your vehicle.
These coverages also protect you and your family members who live with you when, for example, you or they
are riding in someone else’s vehicle, walking, or riding a bicycle.
Uninsured motorist and underinsured motorist coverages do not pay for damages to your vehicle or other
property. You may buy collision coverage to pay for damage to your vehicle caused by an uninsured or
underinsured driver.
Some drivers have no insurance or do not have enough insurance. The best way to protect yourself from
damages caused by these drivers is to buy uninsured motorist and underinsured motorist coverages. You may
purchase uninsured motorist and underinsured motorist coverages in the same amounts or lower amounts as
the limits you selected for your bodily injury liability coverage. You may not buy limits lower than the minimum
bodily injury limits required by law.
Medical Payments Coverage – Optional Coverage
It is your choice whether to buy medical payments coverage. It pays for reasonable and necessary medical,
hospital or limited funeral expenses for you and others injured or killed while driving or riding in your vehicle,
even if you are legally responsible for the accident.
Comprehensive and Collision Coverages – Optional Coverages
State law does not require drivers to have comprehensive and collision coverages. But, if you leased your
vehicle or borrowed money to buy a vehicle, you may be required to buy these coverages by the lessor or
lender.
Comprehensive coverage pays to repair or replace your insured vehicle due to a loss caused by an event other
than a collision. Comprehensive coverage pays for damage from many causes, including, but not limited to,
theft, vandalism, fire, water, hail, wind, falling objects or impact with a bird or other animal.
Collision coverage pays to repair, replace or reimburse you for property damage to your insured vehicle. It pays
for damage caused by a collision (an impact) with another motor vehicle or with any other object, movable or
fixed, including damages caused if your vehicle overturns. Collision pays for damages to your vehicle, even if
you are responsible for the collision or an uninsured motorist or an underinsured motorist hits you.
You may buy comprehensive and collision coverages with a deductible option. Your deductible will be the
amount you agree to pay from your own pocket before your insurer will pay for any damage. You may also
choose comprehensive and collision coverages with different deductible amounts for each vehicle covered by
your policy.
To decide if you should buy comprehensive and collision coverages, consider the value of your vehicle and how
you would pay to repair your vehicle without these coverages.
Be sure to ask about premium savings available for different deductibles when purchasing or renewing
auto insurance, but remember you only collect for losses in excess of the deductible.
Miscellaneous Note:
Please note the following when changing insurers. Under Arizona law, there is a sixty-day period during
which the insurance can be cancelled by the new insurer for any reason except the location of
residence, age, race, color, religion, sex, national origin or ancestry of anyone who is an insured.
NOTES TO THE HYPOTHETICALS
Insurers not writing a $5,000 Medical Payments coverage limit quoted the next closest limit available.
Insurers not writing $250/$500 deductibles quoted the next closest deductibles available.
Insurance company groups having a number of insurers within their group may choose the insurer which will
provide the quotation.
All premiums contained in this publication were provided by the listed insurers using rates in effect as of
September 1, 2010 and are ranked according to Phoenix.
The driver’s marital status and gender, after a certain age, are not even considered by many insurers for
the purpose of determining the driver’s premium. However, at some point, age (e.g. age 70, etc.) may
become an even more important factor than previously.
ABBREVIATIONS USED IN THIS PUBLICATION
“Assoc” means “Association”
“BI” means “Bodily Injury”
“Co” means “Company”
“Corp” means “Corporation”
“F&C” means “Fire and Casualty”
“IC” means “Insurance Company”
“Ind” means “Indemnity”
“Ins” means “Insurance”
“P&C” means “Property & Casualty”
“PD” means “Property Damage”
“UM” means “Uninsured Motorists”
“UIM” means “Underinsured Motorists”
IMPORTANT NOTE REGARDING COMPLAINT RATIOS IN THIS PUBLICATION
Although the Arizona Department of Insurance receives many complaints against insurers each year, not every
complaint received by the Department proves to be justified upon investigation. The ratios published in
this pamphlet represent the number of written complaints regarding automobile insurance received by the
Department during 2009 for each 1,000 exposures an insurer has in force. The word “Exposures” refers to the
total number of covered vehicles.
The Department obtains exposure figures from each insurer. In publishing the information in this pamphlet, the
Department makes no distinction between insurers that write preferred, standard, or non-standard business.
This publication may be obtained by contacting us at the numbers listed on page 1 of this publication or via our
website address. In addition to using this brochure to comparison shop for insurance, consumers should
consider the insurer’s service to policyholders and the type of insurance contract and coverage available. The
Department strongly recommends that consumers consult their professional insurance agents or producers
about coverage details. The Department’s Consumer Affairs Division may be contacted at (602) 364-2499
or (1-800) 544-9208 if a consumer has difficulty finding coverage.
Note: Some insurers may have other insurers within their group that also write private passenger auto
business; however, due to space limitations, premiums for all insurers that write private passenger auto
business are not included in this publication.
The Arizona Department of Insurance is an Equal Employment Opportunity agency that complies with
the Americans with Disabilities Act (ADA) and the Arizonans with Disabilities Act. Persons with
disabilities may request materials in an alternative format by contacting our ADA Coordinator at (602)
364-3471 and should do so as early as possible to allow reasonable time to make necessary
arrangements.