Companies ยท NAIC 19941
American Commerce Insurance Company: complaint record
American Commerce Insurance Company (NAIC company code 19941) appears in public complaint data from the insurance regulators in New York and Oregon. In New York's auto insurance complaint rankings for complaints closed in 2013 it was ranked 165 of 171 (rank 1 has the fewest upheld complaints for its premiums), with 5 upheld complaints and 1.48 upheld complaints per million dollars of premiums.
New York auto insurance
| Complaints closed in | Filed as | Rank | Upheld per $1m | Upheld | Question of fact | Not upheld | Premiums written |
|---|---|---|---|---|---|---|---|
| 2013 | American Commerce Insurance Company | 165 of 171 | 1.48 | 5 | 6 | 10 | $3.37m |
| 2012 | American Commerce Insurance Company | 142 of 172 | 0.13 | 3 | 5 | 18 | $22.56m |
| 2011 | American Commerce Insurance Company | 140 of 169 | 0.20 | 9 | 8 | 21 | $44.79m |
| 2010 | American Commerce Insurance Company | 71 of 179 | 0.02 | 1 | 8 | 14 | $44.31m |
| 2009 | American Commerce Insurance Company | 11 of 181 | 0.00 | 0 | 0 | 1 | $18.64m |
See the full New York list for complaints closed in 2013
Other state regulators
Matched by the NAIC code Kansas prints, or by legal name after standard abbreviations are expanded, only when exactly one company matches. Each state measures complaints differently, so compare companies within a state, not across states. With one or two complaints an index or ratio can swing a lot.
| State | Line | Year | Filed as | Measure | Complaints | |
|---|---|---|---|---|---|---|
| Oregon | Auto | 2025 | American Commerce Insurance Company | Complaint index 0.00 | 0 confirmed of 3 | Full list |
| Oregon | Auto | 2024 | American Commerce Insurance Company | Complaint index 0.00 | 0 confirmed of 1 | Full list |
| Oregon | Auto | 2023 | American Commerce Insurance Company | Complaint index 0.00 | 0 confirmed of 2 | Full list |
| Oregon | Auto | 2022 | American Commerce Insurance Company | Complaint index 0.00 | 0 confirmed of 2 | Full list |
| Oregon | Homeowners | 2025 | American Commerce Insurance Company | Complaint index 0.00 | 0 confirmed of 0 | Full list |
| Oregon | Homeowners | 2024 | American Commerce Insurance Company | Complaint index 6.62 | 1 confirmed of 3 | Full list |
| Oregon | Homeowners | 2023 | American Commerce Insurance Company | Complaint index 8.10 | 1 confirmed of 4 | Full list |
| Oregon | Homeowners | 2022 | American Commerce Insurance Company | Complaint index 0.00 | 0 confirmed of 0 | Full list |
How to read the New York ranking
The Department of Financial Services ranks auto insurers by upheld complaints per million dollars of premiums over a two-year period. A complaint is upheld when DFS agrees with the consumer that the insurer made an inappropriate decision. DFS notes that "only one or two additional upheld complaints per year can have a significant impact on a smaller insurer" and that because every auto insurer is ranked, "some must be at the bottom of each year's list even if every company is performing well." The ranking includes only complaints received by DFS.
How to read the Oregon complaint index
The Oregon Division of Financial Regulation lists every company with Oregon premium in a line, including companies with no complaints, with total and confirmed complaints opened in the year. Oregon's files do not define the complaint index. Recomputing it closely matches (within 3%) a company's share of confirmed complaints divided by its share of premium in the table, so 1.00 is average and 0 means no confirmed complaints. A few companies report negative premium, which can produce a negative or extreme index. We show these as published. For small companies one or two complaints move the index a lot.
Figures are for this legal company only. An insurance group may sell through several companies, each with its own record.
Sources
- New York State Department of Financial Services, Automobile Insurance Company Complaint Rankings: Beginning 2009 (dataset h2wd-9xfe), data.ny.gov
- Oregon Division of Financial Regulation, complaint data for all insurers (annual PDF reports, 2022 to 2025)
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.