Total-loss offers by carrier
Each carrier uses its own valuation tools. Pick yours below for the carrier-specific guide.
State Farm is the largest US auto insurer. Its total-loss valuations are typically generated by CCC ONE. In our reviews of State Farm offers, the issue we see most often is stale or out-of-area comparables.
GEICO writes ~14% of US auto policies and uses CCC ONE for total-loss valuations. In our reviews of GEICO offers, the first offer is data-driven, and the issue we see most often is missed vehicle-specific value drivers.
Progressive uses Mitchell WorkCenter for total-loss valuations. Mitchell's report format is dense. In our reviews of Progressive offers, the adjustments are where we find the most to question.
Allstate uses CCC ONE for total-loss reports. In our reviews of Allstate offers, we often see a 'typical negotiation' discount applied to advertised prices. We question it when the comparables are vetted dealer asking prices.
USAA, exclusive to military and family, uses CCC ONE. In our reviews of USAA offers, the process is more consistent than at most insurers, and independent counter-evidence still helps.
Liberty Mutual uses Mitchell WorkCenter. Its valuation table is similar to Progressive's. In our reviews of Liberty Mutual offers, we often see added regional adjustments, and we question the ones without support.
Farmers Insurance uses Audatex Autosource. In our reviews of Farmers offers, results vary from one adjuster to the next.
Nationwide uses CCC ONE. In our reviews of Nationwide offers, the issue we see most often is condition deductions.
Auto-Owners is a Midwest-strong regional insurer using Mitchell WorkCenter. In our reviews of Auto-Owners offers, the issue we see most often is a trade-in value used where retail applies.
Travelers uses Audatex Autosource. In our reviews of Travelers offers, the issue we see most often is conservative comparable selection.
American Family uses CCC ONE and is concentrated in the Upper Midwest. Their valuations can be light on local-market comparables.
Erie Insurance is a Mid-Atlantic regional carrier on Mitchell WorkCenter. Their adjuster discretion is wide, which cuts both ways.