About and method
Insurer Scorecard republishes complaint records that state insurance regulators publish about insurance companies. We are independent. We are not an insurer, agent or broker, we do not rate companies ourselves and we do not sell placement on any page.
Sources
- Texas Department of Insurance: confirmed complaints, policies in force and complaint index by company and line of insurance. We use the auto and homeowners lines for 2024, 2025, the years with both lines in the dataset.
- Indiana Department of Insurance: company complaint index for auto and homeowners insurance, 2022 to 2025, with NAIC codes, premiums and complaint counts, read from Indiana's published PDF reports.
- Michigan Department of Insurance and Financial Services: complaints per $1 million of premiums for auto and home insurance, 2023 to 2025. Michigan does not publish NAIC codes, so we match its companies to others by full legal name. 355 of 469 Michigan rows matched one company exactly. The rest have their own Michigan-only pages.
- Oregon, Kansas, Illinois and California: Oregon's full complaint lists for 2022, 2023, 2024, 2025, Kansas complaint index reports for 2020, 2021, 2022, 2023, 2024, Illinois complaint ratio reports for 2023, 2024, 2025 and California's 2026 consumer complaint study, read from each regulator's published PDF reports. Kansas publishes NAIC codes and we match on them. For the other three we link a company to its other records only when its legal name, after standard abbreviations such as Ins and Co are expanded, matches exactly one company. 1,802 of 6,777 rows matched. We check every Illinois table against its printed grand total and recompute Oregon's index and California's 2025 ratio. Tables show company names as each regulator printed them.
- New York Department of Financial Services: auto insurance complaint rankings for filing years 2009 to 2024, with upheld, question of fact and not upheld complaints and premiums written.
Checks
We recompute the Texas complaint index from the published complaint and policy counts for every company with at least 1,000 policies and compare it with the index TDI publishes. Results:
- Texas auto 2024: 161 companies checked, all matched to two decimal places.
- Texas auto 2025: 156 companies checked, all matched to two decimal places.
- Texas homeowners 2024: 148 companies checked. 31 differ from the published index at two decimal places, by up to 1.6%. Scaling our recomputed index up by 0.25% reproduces every published value, which suggests TDI computed this year's market average from totals slightly different from the sum of the published company rows. We show TDI's published index.
- Texas homeowners 2025: 144 companies checked, all matched to two decimal places.
For Indiana we check that each company's published index is consistent with its complaints and premiums (the same market ratio for every company in a report), and whether the listed premiums add up to each report's printed subtotal. They do in 6 of 8 reports. In the 2023 auto report the listed premiums add up to $4,935,306,281 but the printed subtotal is $4,935,306,205. In the 2024 homeowners report the listed premiums add up to $2,685,464,859 but the printed subtotal is $554,046,075. For Michigan we recompute every ratio from the complaints and premiums shown and all match.
The New York dataset contains identical rows for the 2015 and 2016 lists, every company and every figure. We cannot tell which year the figures belong to, so we leave both years out until DFS corrects the dataset. For New York we check that upheld, question of fact and not upheld complaints add up to the total for every row, and that DFS ranks follow the published ratios. Both checks pass for every year. Ratios are shown exactly as DFS publishes them. In filing year 2014 the dataset lists Maidstone Insurance Company twice at rank 26 under two NAIC codes, and we drop the duplicate row. New York pages are labelled by the dataset's filing year, the year complaints were closed. DFS titles its printed reports by the following year.
What we do and do not say
We describe each index the way the regulator defines it. We do not call any company good, bad, best or worst. A complaint record covers only complaints made to the regulator and says nothing about price, cover, claims payment speed or financial strength. Companies are listed by legal entity and NAIC code (Michigan companies by legal name), so one brand can appear as several companies.
Corrections
If a figure here differs from the regulator's data, tell us the page and the figure and we will check it and correct it with a dated note. Insurers can ask us to add context from the regulator. We never accept payment to change, add or remove data, and we never remove a record because a company asks.
Sources
- Texas Department of Insurance, Complaint indexes and policy counts for insurance companies (dataset pa9u-9s9w), data.texas.gov
- Texas Department of Insurance, Insurance complaints: all data
- New York State Department of Financial Services, Automobile Insurance Company Complaint Rankings: Beginning 2009 (dataset h2wd-9xfe), data.ny.gov
- Indiana Department of Insurance, Company Complaint Index (auto and homeowners, 2022 to 2025)
- Michigan Department of Insurance and Financial Services, Complaint Ratios (automobile and home, 2023 to 2025)
- Oregon Division of Financial Regulation, complaint data for all insurers (annual PDF reports, 2022 to 2025)
- Kansas Insurance Department, Complaint Index Reports (2020 to 2024)
- Illinois Department of Insurance, Consumer Complaints Ratio Reports (2023 to 2025)
- California Department of Insurance, Consumer Complaint Study, 2026 edition
Checked 29 October 2026. Complaint records show only complaints filed with the regulator. They are one signal among many and do not rate claims handling, price or financial strength.