The 9 Most Hated Insurance Companies in America

Insurance is meant to provide peace of mind, but for many Americans, it has become a major source of frustration. From rising premiums and denied claims to confusing policies and poor customer service, some companies consistently leave policyholders dissatisfied.

Using data from the American Customer Satisfaction Index and other industry sources, 24/7 Tempo identified the insurance providers that receive the lowest marks from consumers. This ranking breaks down the companies drawing the most criticism and the issues behind their reputations, offering a closer look at why so many customers are unhappy with their coverage.

P&C insurance includes popular policies like car insurance and home insurance.

Property and casualty insurance (often abbreviated to P&C insurance) is primarily geared toward protecting property or things related to that property. This can include insurance for houses, cars, clothing, and furniture.

Progressive Insurance ranked the third lowest of all property insurance companies.

• Customer Satisfaction Index '23: 77
• Customer Satisfaction Index '22: 76
• Percent Change: 1%

Progressive is an American insurance company and is currently the largest motor insurance carrier in the United States. While Progressive is a large auto insurer, they do have other branches that operate through other companies. While they scored a 77, it does represent a slight increase in overall satisfaction from the previous year.

Farmers Insurance was originally created to provide insurance options to farmers who were being underserved by the existing system.

• Customer Satisfaction Index '23: 75
• Customer Satisfaction Index '22: 75
• Percent Change: 0%

Farmers is another well-known insurance group based in America, and like Chubb, the company is based in Zurich. They provide extensive insurance options in most industries, but their P&C insurance was reported to be the second-lowest, with a score of 75.

Chubb ranked among the worst of all P&C companies, although the data wasn't available for the previous years.

• Customer Satisfaction Index '23: 67
• Customer Satisfaction Index '22: NM
• Percent Change: NA

Chubb Insurance is an American-based company, although it's technically incorporated in Switzerland. It is often cited as the largest property and casualty insurance company in the world and operates in 55 countries and territories. As of 2018, Chubb had $174 billion in assets. Despite its size, Chubb ranked last in the Customer Satisfaction Index (CSI), with a low score of 67 in 2023.

Life insurance, when used, generally isn't for the benefit of the policyholder.

Life insurance is a type of policy that exists to insure an individual in the case of their death. In most cases, these insurance policies are taken out for the benefit of loved ones and family.

Nationwide Insurance is one of the most popular insurance companies in the United States.

• Customer Satisfaction Index '23: 79
• Customer Satisfaction Index '22: 79
• Percent Change: 0%

Nationwide is a very large insurance group that was also founded as a mutual insurance company. While they ranked low within the life insurance category, they have expanded services into multiple types of insurance, including P&C, retirement, and investment insurance.

Prudential was originally a mutual insurance company, meaning it was owned by the policyholders.

• Customer Satisfaction Index '23: 79
• Customer Satisfaction Index '22: 78
• Percent Change: 1%

Prudential, originally named The Widows and Orphans Friendly Society, started as a mutual insurance company, meaning it was owned by its policyholders. When it was founded, the only insurance that the company offered was burial insurance, but they have since expanded and become a Fortune 500 company offering various types of insurance. Year on year, they have grown by a single point in the CSI.

Although MassMutual was ranked last, it still ranked highly compared to many other companies on the list.

• Customer Satisfaction Index '23: 77
• Customer Satisfaction Index '22: 78
• Percent Change: -1%

Mass Mutual (short for Massachusetts Mutual Life Insurance Company) is primarily a life insurance company that operates out of Springfield, Massachusetts. It is one of the largest companies in the United States, regularly ranking within the Fortune 500 list. Year on year, MassMutual decreased by a single point on the CSA, resulting in them being near the bottom of the list.

Health insurance is often the one that people interact with the most since it covers things like medications and doctors visits.

Health insurance is designed to protect people and families from costs that are usually associated with medical treatment and care. In the United States, this is a major element of health care since all treatment costs money, and having insurance is almost a requirement for any high level of care. Policies usually cover things like medications, surgeries, doctor visits, and preventative care, but they can be customized.

Centene ranked low, but has recently improved its standing over the years and may continue its trend.

• Customer Satisfaction Index '23: 75
• Customer Satisfaction Index '22: 72
• Percent Change: 4%

Centene is an insurance company that operates as an intermediary for government and privately sponsored programs. While they still rank in the bottom three of the big companies, they recently had a large jump in CSI, bringing them up 4% in the past year. If this trend continues, they could easily be one of the highest-rated companies in the health insurance category within a few years.

Kaiser takes a "holistic" approach to healthcare, offering policies as well as brick-and-mortar healthcare institutions.

• Customer Satisfaction Index '23: 73
• Customer Satisfaction Index '22: 73
• Percent Change: 0%

Listed as an "integrated managed care consortium," Kaiser Permanente is a group of three groups, including the Kaiser Foundation Health Plan, Kaiser Foundation Hospitals, and Permanente Medical Groups. While Kaiser's care aspect has been well-regarded, there have been issues with patient dumping, along with criminal and civil charges. The company didn't move year over year in the CSI.

Cigna is located in Hartford, Connecticut, which is the insurance capital of the United States.

• Customer Satisfaction Index '23: 72
• Customer Satisfaction Index '22: 71
• Percent Change: 1%

Cigna is a large healthcare and insurance company operating out of Connecticut, offering medical, dental, disability, and life insurance policies. Unlike some of the other companies on the list, Cigna also runs certain full-service staff-model health organizations around the country under the name Evernorth Care Group. They are one of the 20 largest companies in the United States by revenue. Recently, they increased their CSI by one percent but still rank among the bottom of the big companies surveyed.