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Written by
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Reviewed by
Daniel Walker
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UPDATED: Jun 28, 2022
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Carnegie General Insurance Company is a newer company that partners with multiple insurance companies to provide auto insurance, homeowners insurance, and more. However, it doesn’t have the best online reputation.
Read more about Carnegie insurance to determine what products the company offers, how much they cost, and whether the company is a good choice for you.
If you’re considering Carnegie insurance but want to explore other options as well, enter your ZIP code into our free quote comparison tool above to get auto insurance quotes today.
Carnegie General Insurance Agency was founded in 1988 to provide insurance to California residents. It currently offers insurance to Arizona, California, Colorado, Nevada, Oregon, Texas, and Washington.
Carnegie’s mission is to provide continuous improvement, integrity and strong values, trustworthiness, and peace of mind.
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Carnegie offers non-standard auto insurance, meaning it is suitable for high-risk drivers. It provides all of the basic types of insurance, including liability, collision, and comprehensive. Optional coverages may include roadside assistance, umbrella insurance, and collector’s or antique auto insurance.
If you require SR-22 insurance, Carnegie can provide SR-22 forms for all of the states in which it is licensed.
Carnegie also provides other types of insurance, including commercial insurance, motorcycle insurance, sport utility vehicle insurance, homeowners insurance, watercraft insurance, and more.
Because Carnegie insures higher-risk drivers, Carnegie auto insurance rates are likely higher than other insurance companies. Let’s take a look at some sample rates from popular auto insurance companies:
| Companies | Single 17-Year-Old Female Rates | Single 17-Year-Old Male Rates | Single 25-Year-Old Female Rates | Single 25-Year-Old Male Rates | Married 35-Year-Old Female Rates | Married 35-Year-Old Male Rates | Married 60-Year-Old Female Rates | Married 60-Year-Old Male Rates |
|---|---|---|---|---|---|---|---|---|
| Allstate | $774 | $887 | $285 | $298 | $263 | $260 | $243 | $249 |
| American Family | $500 | $678 | $191 | $225 | $184 | $185 | $166 | $168 |
| Farmers | $710 | $762 | $246 | $253 | $213 | $213 | $195 | $204 |
| Geico | $471 | $523 | $198 | $189 | $192 | $193 | $187 | $190 |
| Liberty Mutual | $968 | $1,143 | $330 | $375 | $317 | $321 | $287 | $307 |
| Nationwide | $480 | $598 | $224 | $241 | $197 | $199 | $178 | $185 |
| Progressive | $724 | $802 | $225 | $230 | $191 | $181 | $166 | $171 |
| State Farm | $496 | $610 | $195 | $213 | $173 | $173 | $156 | $156 |
| Travelers | $776 | $1,071 | $194 | $208 | $182 | $183 | $171 | $173 |
| USAA | $401 | $449 | $166 | $177 | $129 | $128 | $121 | $121 |
Now, let’s look at some sample rates based on driving record:
| Company | Average Annual Rates with Clean Record | Average Annual Rates with 1 Accident | Average Annual Rates with 1 DUI | Average Annual Rates with 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,819.90 | $4,987.68 | $6,260.73 | $4,483.51 |
| American Family | $2,693.61 | $3,722.75 | $4,330.24 | $3,025.74 |
| Farmers | $3,460.60 | $4,518.73 | $4,718.75 | $4,079.01 |
| Geico | $2,145.96 | $3,192.77 | $4,875.87 | $2,645.43 |
| Liberty Mutual | $4,774.30 | $6,204.78 | $7,613.48 | $5,701.26 |
| Nationwide | $2,746.18 | $3,396.95 | $4,543.20 | $3,113.68 |
| Progressive | $3,393.09 | $4,777.04 | $3,969.65 | $4,002.28 |
| State Farm | $2,821.18 | $3,396.01 | $3,636.80 | $3,186.01 |
| Travelers | $3,447.69 | $4,289.74 | $5,741.40 | $4,260.80 |
| USAA | $1,933.68 | $2,516.24 | $3,506.03 | $2,193.25 |
As you can tell from the table above, drivers with infractions on their driving records are likely to pay more for auto insurance. In addition, if a company insures many high-risk drivers, this could further increase rates.
Carnegie provides insurance products in partnership with various companies, including:
Unfortunately, the NAIC complaint indices for the above companies reveal that there may be some issues with customer service or claims processes. Ranging between 4.27 and 25.31, the companies had significantly more complaints than companies of similar size compared to the national average NAIC complaint index of 1.00.
However, the companies mainly had positive A.M. Best ratings ranging between A- and A+, which means they have an excellent ability to meet their financial obligations. With that being said, you should note that Western General was forced into conservatorship and liquidation in 2021 because they could not meet financial obligations.
If you search for Carnegie customer reviews online, you’re likely to find many complaints. Many relate to customer service issues, slow claims processing, and difficulties with Carnegie insurance payments.
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The process for Carnegie insurance claims will depend on what specific company you have your policy through.
If you need to file a claim without your policy number, you can call (805) 445-1975. However, if you have your policy number, you can visit the Carnegie website, choose your prefix number, and the website will provide the number you need to call.
To receive Carnegie auto insurance quotes, you will need to contact a Carnegie agent.
Carnegie’s website provides all of the contact information you will need. In addition, you can call the Carnegie phone number at (805) 445-1470. Its fax number is (805) 498-4805.
You can call the main phone number above if you need roadside assistance. However, the towing dispatch phone number is (877) 422-7634.
There’s a contact form that you can fill out on the Carnegie website.
Carnegie’s mailing address is PO Box 2595, Newbury Park, CA, 91319.
If you’re searching for auto insurance in one of the states where Carnegie is offered, you may want to consider searching for another auto insurance company.
For most people, you may be able to find better service at a company with a better reputation. Other companies may offer more ways to customize your policy and save on your auto insurance rates with discounts.
However, if you have a bad driving record and are having a hard time finding a company to insure you, Carnegie may be able to provide coverage. Discuss your options with an insurance agent before you make a solid decision to make sure you’re protected.
If you can’t find or don’t want affordable Carnegie auto insurance, enter your ZIP code into our free quote comparison tool below to find an auto insurance company near you.
Carnegie Auto Insurance Review [2022] is a company that was incorporated in 1988. Carnegie Auto Insurance Review [2022] is a insurance company and has assets of , capital of $, and net surplus of $.
The president of Carnegie Auto Insurance Review [2022] is Jack Smith, the treasurer is , and the secretary is . Carnegie Auto Insurance Review [2022] insurance plans include
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Carnegie Auto Insurance Review [2022] is located in Newbury Park, CA and the phone number for Carnegie Auto Insurance Review [2022] claims, customer, service, and additional information is .
If you already have Carnegie Auto Insurance Review [2022] insurance quotes then be sure that you compare your quoted Carnegie Auto Insurance Review [2022] insurance plans with insurance quotes from many other top insurance companies so that you can find the very best insurance plan for your needs. Enter your zip code in for free insurance quotes now!
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