The Insurances Quote Quality Score
A composite score we apply to every carrier in our network so shoppers can weigh price against claims experience, service, and digital tools.
Updated May 21, 2026 · Methodology
| Dimension | Car | Home | Renters |
|---|---|---|---|
| Claims experience | 35% | 35% | 40% |
| Price competitiveness | 30% | 30% | 25% |
| Customer service | 20% | 20% | 20% |
| Digital tools | 15% | 15% | 15% |
- DimensionClaims experienceCar35%Home35%Renters40%
- DimensionPrice competitivenessCar30%Home30%Renters25%
- DimensionCustomer serviceCar20%Home20%Renters20%
- DimensionDigital toolsCar15%Home15%Renters15%
The four input categories
- Claims experience (35% Car/Home, 40% Renters) — NAIC complaint ratios, time-to-first-payment, percent of claims paid in full.
- Price competitiveness (30% Car/Home, 25% Renters) — how carrier rates compare on standardized profiles, normalized for state and coverage tier.
- Customer service (20%) — J.D. Power study scores + our shopper-reported NPS.
- Digital tools (15%) — mobile app utility, online claim handling, transparency of policy management.
Weights differ slightly by vertical: claims handling is weighted higher for Renters because price differences between renters carriers are tiny (often $2–$5/mo) — service quality deserves more weight.
- Refreshed quarterly — Jan / Apr / Jul / Oct.
- NAIC complaint ratio is the single most-weighted signal in claims dimension.
- No carrier can pay for placement or score adjustment.
See top-ranked carriers
Composite-ranked carrier comparisons inline at quote time.
How scores update
Composite scores are refreshed quarterly — January, April, July, October — as new NAIC complaint data, J.D. Power studies, and our own shopper data become available. Carrier scores typically move 0.1–0.4 points quarter-over-quarter.
Quality score vs. J.D. Power
- Quality score weights claims experience higher than J.D. Power.
- Includes our own binding-quote price competitiveness data.
- Refreshes quarterly vs. J.D. Power annual cycle.
- Methodology fully published — auditable.
- J.D. Power has larger survey sample for service scores.
- J.D. Power covers more carriers than our network.
- Different methodologies produce different rankings — neither is "right."
- Best to consult both when picking a carrier.
Frequently asked questions
Is the quality score the same as J.D. Power?
Can carriers pay to improve their score?
How often do scores change?
Why is USAA scored so high?
Methodology
Composite quality score = (Claims × W1) + (Price × W2) + (Service × W3) + (Digital × W4). Weights vary by vertical (Car: 35/30/20/15; Home: 35/30/20/15; Renters: 40/25/20/15). Input metrics rescaled 0–10 within each vertical’s peer set. No carrier can pay for placement.
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Advertiser Disclosure
Insurances Quote is an independent insurance marketplace. We are paid by carriers when shoppers switch to a policy we’ve helped match — never by the shopper. We don’t resell your lead data to third-party buyers, and the carrier rankings on this page reflect our composite quality score (35% claims, 30% price, 20% service, 15% digital tools), not paid placement.