Companies ยท NAIC 42390
AmGUARD Insurance Company: complaint record
AmGUARD Insurance Company (NAIC company code 42390) appears in public complaint data from the insurance regulators in Texas, Michigan, Illinois and Oregon. In Texas auto insurance in 2025, it had 0 confirmed complaints and 1,775 policies in force, a complaint index of 0.00 (no confirmed complaints). In Texas homeowners insurance in 2025, it had 1 confirmed complaint and 336 policies in force, a complaint index of 23.41 (more confirmed complaints than the market average for its size) from a small base, so read it with care. In Michigan auto insurance in 2025, it had 1 complaint on $2,096,475 of premiums written, 0.48 complaints per $1 million. In Michigan homeowners insurance in 2024, it had 9 complaints on $11,911,179 of premiums written, 0.76 complaints per $1 million.
Texas auto insurance
| Year | Complaint index | Confirmed complaints | Policies in force |
|---|---|---|---|
| 2025 | 0.00 | 0 | 1,775 |
| 2024 | 0.00 | 0 | 1,721 |
Compare with other auto insurers in Texas
Texas homeowners insurance
| Year | Complaint index | Confirmed complaints | Policies in force |
|---|---|---|---|
| 2025 | 23.41 | 1 | 336 |
| 2024 | 0.00 | 0 | 1,721 |
Compare with other homeowners insurers in Texas
Michigan auto insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2025 | AmGUARD Insurance Company | 0.48 | 1 | $2,096,475 |
| 2024 | AmGUARD Insurance Company | 0.25 | 1 | $4,050,915 |
See the full Michigan auto list for 2025
Michigan homeowners insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2024 | AmGUARD Insurance Company | 0.76 | 9 | $11,911,179 |
| 2023 | AmGUARD Insurance Company | 0.31 | 5 | $16,180,400 |
See the full Michigan homeowners list for 2024
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 | |
|---|---|---|---|---|---|---|
| Illinois | Homeowners | 2023 | Amguard Insurance Company | 0.4190 complaints per $1M earned premium | 5 | Full list |
| Oregon | Auto | 2025 | AmGUARD Insurance Company | Complaint index 0.00 | 0 confirmed of 1 | Full list |
| Oregon | Auto | 2024 | AmGUARD Insurance Company | Complaint index 0.00 | 0 confirmed of 2 | Full list |
| Oregon | Auto | 2023 | AmGUARD Insurance Company | Complaint index 0.00 | 0 confirmed of 3 | Full list |
| Oregon | Auto | 2022 | AmGUARD Insurance Company | Complaint index 0.00 | 0 confirmed of 1 | Full list |
| Oregon | Homeowners | 2025 | AmGUARD Insurance Company | Complaint index 0.00 | 0 confirmed of 0 | Full list |
| Oregon | Homeowners | 2024 | AmGUARD Insurance Company | Complaint index 0.00 | 0 confirmed of 1 | Full list |
| Oregon | Homeowners | 2023 | AmGUARD Insurance Company | Complaint index 0.00 | 0 confirmed of 1 | Full list |
| Oregon | Homeowners | 2022 | AmGUARD Insurance Company | Complaint index 0.00 | 0 confirmed of 0 | Full list |
How to read the Texas complaint index
The Texas Department of Insurance divides a company's share of confirmed complaints for a line of insurance by its share of policies in force for that line. The average is 1.00. Below 1 means fewer confirmed complaints than average for the company's size, above 1 means more. For small companies one or two complaints can move the index a lot, so ranking tables here include only companies with at least 10,000 policies.
How to read the Michigan complaint ratio
The Department of Insurance and Financial Services divides each company's complaints by its Michigan direct premiums written, in millions of dollars. It publishes ratios only for companies with at least $1 million of premiums, and warns that ratios based on small premium volumes "are highly variable".
How to read the Illinois complaint ratio
The Illinois Department of Insurance lists companies with 5 or more complaints in a line (3 or more for annuities in 2025). For auto and homeowners the ratio is complaints per $1 million of Illinois direct earned premium. For life and health it is complaints per 10,000 policies in force, and for annuities per 10,000 certificates in force. Illinois changed how it counts complaints in 2023 and says "caution should be exercised when comparing complaint counts to prior years".
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
- Texas Department of Insurance, Complaint indexes and policy counts for insurance companies (dataset pa9u-9s9w), data.texas.gov
- Michigan Department of Insurance and Financial Services, Complaint Ratios (automobile and home, 2023 to 2025)
- Illinois Department of Insurance, Consumer Complaints Ratio Reports (2023 to 2025)
- 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.