Companies ยท Michigan DIFS ID 0000325
Auto Club Insurance Association: complaint record
Auto Club Insurance Association (Michigan DIFS company ID 0000325) appears in public complaint data from the insurance regulators in Michigan and Illinois. In Michigan auto insurance in 2025, it had 23 complaints on $15,891,601 of premiums written, 1.45 complaints per $1 million. In Michigan homeowners insurance in 2025, it had 77 complaints on $361,873,381 of premiums written, 0.21 complaints per $1 million.
Michigan auto insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2025 | Auto Club Insurance Association | 1.45 | 23 | $15,891,601 |
| 2024 | Auto Club Insurance Association | 0.95 | 17 | $17,881,372 |
| 2023 | Auto Club Insurance Association | 1.15 | 21 | $18,326,222 |
See the full Michigan auto list for 2025
Michigan homeowners insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2025 | Auto Club Insurance Association | 0.21 | 77 | $361,873,381 |
| 2024 | Auto Club Insurance Association | 0.24 | 49 | $203,684,495 |
| 2023 | Auto Club Insurance Association | 0.25 | 33 | $130,658,362 |
See the full Michigan homeowners list for 2025
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 | Auto | 2025 | Auto Club Insurance Association | 0.2501 complaints per $1M earned premium | 40 | Full list |
| Illinois | Auto | 2024 | Auto Club Insurance Association | 0.3160 complaints per $1M earned premium | 45 | Full list |
| Illinois | Auto | 2023 | Auto Club Insurance Association | 0.3474 complaints per $1M earned premium | 36 | Full list |
| Illinois | Homeowners | 2025 | Auto Club Insurance Association | 0.6271 complaints per $1M earned premium | 50 | Full list |
| Illinois | Homeowners | 2024 | Auto Club Insurance Association | 0.9622 complaints per $1M earned premium | 32 | Full list |
| Illinois | Homeowners | 2023 | Auto Club Insurance Association | 0.9589 complaints per $1M earned premium | 11 | Full list |
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".
Figures are for this legal company only. An insurance group may sell through several companies, each with its own record.
Sources
- 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)
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.