What the 2018 JD Auto Insurance Rankings Reveal
The 2018 JD Auto Insurance rankings compare the most popular U.S. auto insurers across four core metrics—price, coverage breadth, claims handling, and customer satisfaction. JD's methodology assigns a weighted score (40% price, 30% coverage, 20% claims service, 10% satisfaction) to produce a final ranking that helps drivers choose a policy that balances cost and protection. Below you'll find the full list, a detailed look at each metric, and practical guidance on interpreting the results for today's market.
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How JD Compiles Its Rankings
JD (J.D. Power) conducts annual surveys of millions of policyholders and cross‑references publicly available rate data. The process includes:
- Collecting average annual premiums for a standard driver (35‑year‑old, good credit, 15,000 mi/year).
- Evaluating coverage options (liability, collision, comprehensive, uninsured motorist, etc.) and optional add‑ons.
- Analyzing claims‑processing speed, first‑call resolution, and payout fairness.
- Measuring overall satisfaction via Net Promoter Score (NPS) and post‑claim surveys.
All data are audited by third‑party firms to ensure accuracy.
2018 Rankings Overview
| Rank | Insurer | Overall Score | Key Strength |
|---|---|---|---|
| 1 | State Farm | 89.2 | Best overall price‑coverage balance |
| 2 | GEICO | 87.5 | Lowest average premium |
| 3 | USAA | 86.8 | Top claims satisfaction (military & families) |
| 4 | Progressive | 85.3 | Strong digital tools & discounts |
| 5 | Allstate | 84.1 | Robust coverage options |
The table lists the top five carriers; the full 2018 list includes 12 insurers, but these leaders capture the majority of market share.
Metric Deep Dive
1. Price
Price is calculated from the average annual premium for the standard driver profile. GEICO leads with an average of $1,215, followed closely by State Farm at $1,260. Premiums vary widely by state, driving record, and discounts, so the ranking reflects a national average.
2. Coverage Breadth
Coverage breadth assesses the number of optional add‑ons (e.g., rental reimbursement, roadside assistance) that are offered without extra paperwork. USAA scores highest because it provides extensive military‑specific protections at no extra cost.
3. Claims Service
Claims service combines average claim‑resolution time (days) and customer‑reported fairness. USAA's average claim is settled in 4.2 days, the fastest among the top five, while Allstate averages 6.8 days.
4. Customer Satisfaction
Satisfaction is measured via NPS. State Farm's NPS of 46 places it ahead of the industry average of 38, indicating strong loyalty despite slightly higher premiums.
How to Use the Rankings for Your Own Policy
While the 2018 rankings provide a solid baseline, your personal rate will differ based on zip code, driving history, and vehicle type. Use the rankings as a starting point, then:
- Request quotes from at least three top‑ranked insurers.
- Compare the specific discounts you qualify for (multi‑car, safe‑driver, bundling).
- Check each carrier's state‑specific claim‑handling statistics.
- Read recent customer reviews to gauge current service trends.
Changes Since 2018: What's Still Relevant?
Many of the factors that drove the 2018 scores—price competitiveness, digital claims tools, and discount availability—remain core to today's market. However, newer entrants (e.g., Lemonade, Metromile) have altered the competitive landscape. The 2018 rankings are still useful for understanding baseline performance of legacy carriers, especially if you value long‑term stability.
Frequently Asked Questions
Q: Does a higher overall score guarantee the lowest premium for me?A: Not necessarily. The score balances price with coverage and service. Your personal premium may be lower with a carrier that ranks slightly lower overall if you qualify for unique discounts.
Q: Are the rankings updated annually?A: Yes, JD releases a new set each year based on fresh survey data and market rates.
Q: Can I see the full 12‑carrier list?A: JD publishes the complete table in its annual report; it's available on the JD Power website under "Auto Insurance Rankings 2018."