Are you looking for the top car insurance companies for Tennessee? You’ve come to the right spot. There are, of course, some qualifiers. One is how you define a car insurance company as top. Another is which car insurance companies have the highest reported customer satisfaction. We’ll use several sources to arrive at the top car insurance companies for Tennessee.

Tennessee Department of Insurance — The first place to go to be well informed about your car insurance is the state department of insurance. Here you’ll find useful resources and information that can help you determine the top car insurance companies for Tennessee. One parameter to consider is 2009 market share for private passenger auto insurance companies in the state. Topping the list is State Farm Mutual Auto Insurance Company with 22 percent market share and more than $342 million in direct premiums written. Close on State Farms’ heels is Tenessee Farmers Mutual Insurance Company with 17 percent market share and $265 million in direct premiums written. Allstate Property & Casualty and Allstate Insurance Company have 3.38 percent and 2.80 percent market share and nearly $53 million and $43 million in direct premiums written, respectively. Geico General Insurance Company is fourth on the list with 3.21 percent market share and almost $50 million in direct premiums written.

J.D. Power and AssociatesYou also want to know which top car insurance companies for Tennessee had the highest overall customer satisfaction. The annual J.D. Power and Associates 2010 U.S. National Auto Insurance Study provides a good look at the best-rated car insurers across five factors: interaction, policy offerings, billing and payment, price, and claims. Checking their list, the top car insurance companies for Tennessee (doing business in the state, although they may be headquartered elsewhere) are Amica Mutual, State Farm, and Geico. Amica Mutual is the JDPA award winner, and State Farm and Geico each have a four-circle JDPA rating.

Check with Ratings Agencies – The top car insurance companies for Tennessee, just like the top insurers in other states, will have strong financial ratings. One way to determine an auto insurance company’s financial strength is to check with ratings agencies with more detailed information about its ratings. Here are several ratings agencies to check:

  • A.M. Best — Provides free ratings for up to three companies per call at (908) 439-2200 ext. 5742. Unlimited ratings can be accessed via their web address at http://www3.ambest.com/ratings/default.asp.
  • Fitch — Provides free financial strength ratings for up to five companies per call at (800) 893-4824. Ratings are also available via their website at http://www.fitchratings.com.
  • Moody’s — Provides free ratings for up to five companies per call at (212) 553-0377. Unlimited ratings can be accessed via their web address at http://www.moodys.com.
  • Standard & Poor’sProvides free ratings for up to five companies per call at (212) 438-2400. Requests can also be sent by email to: ratings_request@standardpoors.com.
  • TheStreet.com Ratings — Provides all of their ratings for free on their website at http://www.theStreet.com. Reach them at (800) 289-9222.

For more tips on car insurance, visit our section on car insurance where you can get additional tips and insurance quotes.

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