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Consumers Car Insurance

Smart Score

82

Industry Average: 75

Smart Score

82
/100

Industry Average: 75

Customer Service

7.7
/10

Industry Average: 7.7

Claims Process

10
/10

Industry Average: 8

Value for Price

7.5
/10

Industry Average: 7

Consumers Overview

Founded in 1928, Motorists (Consumers) Insurance Group is a mutual company - they are owned by their policyholders. This means that the company is focused on business practices that are best for the needs of their policyholders and for the independent agents who sell their insurance. Aside from auto insurance, they offer a variety of business and personal policies, which can be handy if you are shopping for one-stop agency.

Lines of Business:

Consumers Ratings Breakdown

Smart Score

82

Consumers: 82
Industry Average: 75
Consumers: 82
Industry Average: 75

Why our Smart Score matters

Consumers’s Smart Score of 82 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Consumers’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 82, Consumers rises above the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

7.7

Consumers: 7.7
Industry Average: 7.7
Consumers: 7.7
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Consumers’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Consumers’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Consumers’s service score of 7.7, they have a decent rating compared to similar auto insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

10

Consumers: 10
Industry Average: 8
Consumers: 10
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Consumers. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Consumers handles it.


Consumers’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Consumers.


What does this mean for you?

Evident from a claims score of 10, Consumers has an outstanding rating compared to the average claim score of 8 for similar auto insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

7.5

Consumers: 7.5
Industry Average: 7
Consumers: 7.5
Industry Average: 7

Consumers’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Consumers comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Consumers’s value for price score of 7.5 is excellent compared to the average of 7 from other auto insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

Consumers Auto Official Complaints

Official Complaints

Better than average

Tracks how many more or less official complaints Consumers has than average. With an index of 0.33 Consumers is better than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Consumers has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Consumers has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.33 Consumers is better than average.

Consumers Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Consumers

Available OptionsWhat it meansSee something wrong?
Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Consumers availability in these states

Consumers Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Consumers has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Good Driver

Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period.

Anti Theft Device

This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.

Multiple Policy

While insurers are out to protect drivers, they also need to make money, and they tend to make more when a customer has multiple products (policies) with them. As a result, they can offer savings when drivers pair their car policy with another (home, renters, umbrella, etc.) policy.

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How does Consumers compare to other insurance companies? Click the following links below to compare Consumers to other top insurance companies.

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