Auto Insurance SimpleScore Methodology

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SimpleScore

The SimpleScore makes it easy to compare products and services featured here on The Simple Dollar in a transparent, open and honest way. We rate these products and services using five factors and average them to calculate a single SimpleScore. For auto insurance, we compare:

  • Discounts
  • Coverage options
  • Support
  • Customer satisfaction
  • Accessibility

You can read more about each factor and the details of each score in our auto insurance methodology. Use our ratings and editorial recommendations as you shop for the best auto insurance that fits your coverage needs.

Car insurance rates: We used insurance rates from Quadrant Information Services. This includes analyzing thousands of rates from all 50 states that were publicly sourced from 2019 insurer filings. Rates are based on a 30-year-old male or female that had a clean driving record. Full Coverage premiums assumed a $500 collision and comprehensive deductible, and we looked at those who had both good and poor credit. These rates should be used to inform your car insurance shopping process, but your own quote may differ.

Why do some brands have different SimpleScores on different pages?

To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

Discounts

We looked at the number of discounts each company offers — more discounts mean a higher score.

Aspect Score12345
Number of discounts offered0-34-78-1112-1415+

Coverage Options

We awarded higher scores to the companies that have the most coverage options.

Aspect Score12345
Beyond basic coverageBasic coverageBasic + 1 extraBasic + 2 extrasBasic + 3 extrasBasic + 4 or more extra

Support

We awarded higher scores to lenders with the most channels for customer support.

Aspect Score12345
Support ChannelsOffice-only support1 + phone support2 + web-based support3 + mobile app support4 + tools

Customer Satisfaction

We leveraged the J.D. Power 2019 Auto Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

Aspect Score12345
J.D Power Rating1 circle2 circles3 circles4 circles5 circles

Accessibility

We looked at the level of accessibility of each company –– the more resources they have the higher their score.

Aspect Score12345
Accessibility optionsWebsite with coverage options1 + custom quote online2 + online claims3 + mobile app claims4 + more resources