Companies ยท NAIC 18988
Auto Owners Insurance Company: complaint record
Auto Owners Insurance Company (NAIC company code 18988) appears in public complaint data from the insurance regulators in Indiana, Michigan, Illinois and Kansas. In Indiana auto insurance in 2025, it had 5 complaints on $218,686,817 of premiums, a complaint index of 0.47. In Michigan auto insurance in 2025, it had 73 complaints on $1,657,582,652 of premiums written, 0.04 complaints per $1 million. In Michigan homeowners insurance in 2025, it had 80 complaints on $906,463,270 of premiums written, 0.09 complaints per $1 million.
Indiana auto insurance
| Year | Complaint index | Complaints | Indiana premiums |
|---|---|---|---|
| 2025 | 0.47 | 5 | $218,686,817 |
| 2024 | 0.86 | 10 | $246,558,110 |
| 2023 | 0.43 | 5 | $205,510,788 |
| 2022 | 1.04 | 9 | $159,173,121 |
See the full Indiana auto list for 2025
Michigan auto insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2025 | Auto-Owners Insurance Company | 0.04 | 73 | $1,657,582,652 |
| 2024 | Auto-Owners Insurance Company | 0.05 | 77 | $1,563,052,867 |
| 2023 | Auto-Owners Insurance Company | 0.05 | 62 | $1,246,227,192 |
See the full Michigan auto list for 2025
Michigan homeowners insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2025 | Auto-Owners Insurance Company | 0.09 | 80 | $906,463,270 |
| 2024 | Auto-Owners Insurance Company | 0.10 | 72 | $745,145,555 |
| 2023 | Auto-Owners Insurance Company | 0.10 | 64 | $626,390,883 |
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 Owners Insurance Company | 0.1828 complaints per $1M earned premium | 14 | Full list |
| Illinois | Auto | 2024 | Auto Owners Insurance Company | 0.1699 complaints per $1M earned premium | 12 | Full list |
| Illinois | Auto | 2023 | Auto Owners Insurance Company | 0.2335 complaints per $1M earned premium | 14 | Full list |
| Illinois | Homeowners | 2025 | Auto Owners Insurance Company | 0.1406 complaints per $1M earned premium | 23 | Full list |
| Illinois | Homeowners | 2024 | Auto Owners Insurance Company | 0.2861 complaints per $1M earned premium | 35 | Full list |
| Illinois | Homeowners | 2023 | Auto Owners Insurance Company | 0.1952 complaints per $1M earned premium | 18 | Full list |
| Kansas | Auto | 2024 | Auto Owners Insurance Company | Complaint index 1.66 | 14 | Full list |
| Kansas | Auto | 2020 | Auto Owners Insurance Company | Complaint index 3.44 | 15 | Full list |
| Kansas | Homeowners | 2024 | Auto Owners Insurance Company | Complaint index 1.16 | 12 | Full list |
| Kansas | Homeowners | 2023 | Auto Owners Insurance Company | Complaint index 0.39 | 2 | Full list |
| Kansas | Homeowners | 2020 | Auto Owners Insurance Company | Complaint index 1.23 | 4 | Full list |
How to read the Indiana complaint index
The Indiana Department of Insurance divides a company's share of complaints by its share of Indiana premiums for the line. 1.00 is average, below 1 means fewer complaints than its size would suggest. Indiana lists only companies with at least one complaint and does not calculate an index (marked DNC) for companies with under $1 million of premiums.
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 Kansas complaint index
The Kansas Insurance Department describes the index as a company's share of complaints "in relation to its market share or share of business written in Kansas". An index of 1.00 means its share of complaints equals its share of the business, and 0.00 means no complaints were received, although a very small index can also round to 0.00. Kansas counts closed complaints and lists its largest writers in each line plus companies with many complaints, not every insurer. Kansas renamed some tables over time, for example "Accident & Health" became "Health" and "Homeowners" became "Homeowners & Renters" in 2023. Life and annuity tables cover individual policies.
Figures are for this legal company only. An insurance group may sell through several companies, each with its own record.
Sources
- 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)
- Illinois Department of Insurance, Consumer Complaints Ratio Reports (2023 to 2025)
- Kansas Insurance Department, Complaint Index Reports (2020 to 2024)
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.