Insurer Report Card: Seven receive A- or higher, none of top 10 national insurers receive above C+

Seven auto insurance companies received an A-minus or higher from collision repairers on how well their claims practices help promote quality repairs and customer service, according to CRASH Network’s 2026 “Insurer Report Card.”

Thirty-five insurers received a B or higher to earn a spot on this year’s Honor Roll. More than 1,100 body shops around the country graded as many as 40 different insurance companies doing business within their state, according to a CRASH Network press release.

The results of the annual survey show that 22 companies, including six of the largest U.S. auto insurers, received a C-minus or lower. None of the top 10 largest national auto insurers received an overall grade higher than a C-plus, with more than 60 other insurers ranking higher.

Body shops were asked to evaluate how well each insurer’s “policies, attitude, and payment practices ensure quality repairs and customer service for motorists.”

North Carolina Farm Bureau topped the list again this year, continuing to be the only insurer consistently earning an A-plus.

Acuity Insurance (A-minus), Alfa Mutual (A), Chubb (A), Erie Insurance (A-minus), Michigan Farm Bureau (A-minus), and PURE Insurance (A-minus) were among the highest-graded insurers.

CRASH Network notes that while many of the highest-graded insurers — including Amica (B-plus), Farm Bureau Property Casualty (B-plus), Grinnell Mutual (B-plus), Mutual of Enumclaw (B-plus), Rural Mutual (B-plus), Southern Farm Bureau (B-plus), and West Bend (B-plus) — don’t sell policies in all 50 states, consumers are likely to find that one or more of the Honor Roll insurers offer coverage where they live.

“Consumers don’t have much basis to compare a claims experience with one carrier to another since most of us go years on average between claims,” CRASH Network’s John Yoswick said in the release. “That’s why many drivers make their insurance choice based largely on price or name familiarity, choosing one of the insurers whose ads they see everywhere.

“We see the ‘Insurer Report Card’ as a way for collision repairers to communicate to consumers what shops see every day in terms of which companies are better at taking care of policyholders when they have a claim – and which ones have room for improvement.”

Body shops said the highest-graded auto insurers are better than others in terms of claims processes, having more experienced and responsive claims personnel, paying for OEM repair procedures, and not pressuring shops to select replacement parts based primarily on price.

They criticized the insurers to which they gave lower grades, saying those companies “take forever to review a claim,” “refuse to pay for quality parts,” “argue about paying for repair procedures designated by the automakers,” and “have poorly-trained staff,” sometimes adding days or weeks to the repair time, the release states.

CRASH Network says this year’s list of highest-graded insurers is remarkably consistent with the year before. Nine of this year’s 10 highest-graded insurers were also among the top 10 last year.

A free report with the 2026 “Insurer Report Card” findings is available for download here.

Last year, a record-high of 22 companies, including six of the largest U.S. auto insurers, received a grade of C-minus or lower. None of the top 10 largest and best-known auto insurers received an overall grade higher than a C-plus, while more than 60 other insurers ranked higher.

Repairers said at the time that they gave lower grades to insurance companies because they “select terrible parts, using price as the only factor,” “won’t pay for the repair procedures designated by the automakers,” and “are chronically understaffed and super slow,” sometimes adding days or weeks to the repair time.

During the Society of Collision Repair Specialists’ IDEAS Collide Showcase at the 2025 SEMA Show, Yoswick said the survey is downloaded each year by thousands of consumers, insurance regulators, and insurance carriers. The survey is currently in its ninth year.

Insurance carriers reach out and ask for more details about the grades, he said. Those who get the best grade often use it for marketing, he added.

“We see consumer reporters and consumer advocates pointing to it when they’re talking about auto insurance,” Yoswick said. “There are also other publications and organizations that now incorporate our Insurer Report Card findings into their own ratings of insurers.”

According to the recently released 2025 U.S. Claims Digital Experience Study by J.D. Power, receiving adequate digital updates is one of the top drivers of customer satisfaction with the digital insurance claims process.

“Overall satisfaction scores are highest when customers receive status updates via their mobile apps,” J.D. Power said in December. “However, just 36% of auto insurance customers and 31% of homeowners insurance customers currently receive status updates this way. Most customers still receive updates via email, calls from insurer claim staff, or text messages.”

While customer satisfaction surges when the claims process is managed digitally, J.D. Power found that insurers only deliver adequate digital updates 22% of the time.

Among auto and homeowners insurance customers who rate their digital claim experiences as “poor” or “just OK,” 52% are likely to leave or not renew with their current carrier. In comparison, 4% of those who rate their digital experience as “excellent” or “perfect” are at risk of attrition, according to the study.

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Featured image provided by CRASH Network