Selective Auto Insurance

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Currently Insured?

 Pros

  • None readily apparent

 Cons

  • Lack of information or transparency; little confidence in their business
  • Local agents not knowledgeable about Selective auto insurance

Selective Auto Insurance Rate Comparison

The following are example auto insurance quotes for Selective Insurance versus Liberty Mutual and Esurance:

Driver Profile Selective Liberty Mutual Esurance
Unmarried Female, age 23 (New Jersey) $1,481 $996 $668
Married Couple, between 30-49 (New Jersey) 2,357 1,526 2,092
Married Couple, ages 65+ (New Jersey) 2,610 1,129 1,654
Unmarried Male, age 30 (New Jersey) 2,306 1,633 1,674
  Get a Selective quote Get a Liberty Mutual quote Get an Esurance quote

In a survey by the New Jersey Department of Banking and Insurance, Selective's auto insurance rates ranked in the more expensive half of the state's insurers. We compared Selective's rates to other national insurers, and found that sample premiums at the national insurers tended to be more affordable. For example, Selective's rates for young and single females were $813 more than Esurance - about 121% costlier. Married senior couples also experienced a wide range: insurance premiums at Selective were more than double rates at Liberty Mutual. As always, it's best to have at least two points of comparison so consumers know what a fair market price is. For a list of cheap auto insurers servicing your area, type your zip code below.

Find the Cheapest Auto Insurance Quotes in Your Area

Currently Insured?

Selective Auto Insurance Policy & Coverage

Selective does not enable quote estimates on their website. To get a quote, consumers will have to go through their local agents. 

There is surprisingly very little information on Selective Auto Insurance: both on their website and through their network of local agents. Much of the interaction from car insurance quotes to filing claims on policies will be handled by one of 950 local agents. Phone calls to several local agents, however, did not raise our confidence in Selective. None of the ones we contacted could share anything substantive about the insurer. When pressed for information on special or distinctive features about the company's coverage or discounts, generic information was given. 

Insurer Ratings

Metric Rating
AM Best Financial Strength Rating A
Complaint Ratio per Vehicle (NJ, 2012) 2 / 47,133 (Higher than Average)
NAIC Complaint Index (2012) 1.67 (Worse than Average)

In a 2012 report by the New Jersey Department of Banking & Insurance, Selective Auto Insurance was reported to have two complaints for the 47,000 auto vehicles the company insured. This translates to a complaint index of 1.767. As a proxy measure of customer satisfaction, this index places Selective Insurance #7 out of 29 insurers in terms of most complaints received as a proportion of vehicles. 

 

Auto Insurance Discounts at Selective

Selective does not disclose the discounts and savings on their insurance policies, but Selective agents confirmed that bundling insurance policies, driver training courses, and student discounts are available. No percentage estimates could be provided.

How to File a Claim with Selective

Phone Number: 866-455-9969

  • For windshield claims, press 4
  • For towing claims, press 7
  • For all other accidents and damages, remain on line

Questions about policies are handled first through local car insurance agents who market Selective. You'll have to find your local agent's telelphone number here. For general customer care inquiries, the Selective team can be contacted weekdays from 8am to 5pm ET at 800-735-3284. 

About Selective Insurance

Selective Insurance Group, Inc. is primarily a holding company for ten customer-focused property and casualty insurance companies. These companies offer a broad range of insurance and alternative risk management services. Among the various services provided are auto insurance, homeowners' insurance, renters' insurance, condo / townhouse insurance, umbrella insurance, and flood insurance. 

It was founded in Sussex County, NJ, in the 1920s to insure homes, autos, and other property, and has expanded to cover 22 eastern and midwestern states in the United States. For home and auto insurance, Selective underwrites policies in the following states: Minnesota, Wisconsin, Iowa, Illinois, Indiana, Ohio, Pennsylvania, Rhode Island, New Jersey, Maryland, Delaware, Virginia, Tennessee, and South Carolina.

Selective consists of the following affiliated insurers: Selective Insurance Company of America, Selective Way Insurance Company, Selective Insurance Company of South Carolina, Selective Insurance Company of the Southeast, Selective Insurance Company of New York, Selective Insurance Company of New England, Selective Casualty Insurance Company, Selective Fire and Casualty Insurance Company, and Selective Auto Insurance Company of New Jersey.

Information and data as of Aug 2013

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