Companies ยท NAIC 20230
Central Insurance Company: complaint record
Central Insurance Company (NAIC company code 20230) appears in public complaint data from the insurance regulators in Texas, New York, Indiana and Michigan. In Texas auto insurance in 2025, it had 0 confirmed complaints and 1,492 policies in force, a complaint index of 0.00 (no confirmed complaints). In Texas homeowners insurance in 2025, it had 0 confirmed complaints and 1,366 policies in force, a complaint index of 0.00 (no confirmed complaints). In New York's auto insurance complaint rankings for complaints closed in 2024 it was ranked 23 of 128 (rank 1 has the fewest upheld complaints for its premiums), with 0 upheld complaints and 0.00 upheld complaints per million dollars of premiums. In Indiana auto insurance in 2024, it had 1 complaint on $12,945,233 of premiums, a complaint index of 1.64. In Michigan auto insurance in 2025, it had 1 complaint on $11,185,855 of premiums written, 0.09 complaints per $1 million. In Michigan homeowners insurance in 2024, it had 1 complaint on $3,175,915 of premiums written, 0.31 complaints per $1 million.
Also filed under: Central Mutual Insurance Company.
Texas auto insurance
| Year | Complaint index | Confirmed complaints | Policies in force |
|---|---|---|---|
| 2025 | 0.00 | 0 | 1,492 |
| 2024 | 0.00 | 0 | 6,472 |
Compare with other auto insurers in Texas
Texas homeowners insurance
| Year | Complaint index | Confirmed complaints | Policies in force |
|---|---|---|---|
| 2025 | 0.00 | 0 | 1,366 |
| 2024 | 0.00 | 0 | 7,729 |
Compare with other homeowners insurers in Texas
New York auto insurance
| Complaints closed in | Filed as | Rank | Upheld per $1m | Upheld | Question of fact | Not upheld | Premiums written |
|---|---|---|---|---|---|---|---|
| 2024 | Central Insurance Company | 23 of 128 | 0.00 | 0 | 0 | 0 | $7.16m |
| 2023 | Central Mutual Insurance Company | 25 of 124 | 0.00 | 0 | 0 | 1 | $6.74m |
| 2022 | Central Mutual Insurance Company | 112 of 132 | 0.15 | 1 | 0 | 0 | $6.52m |
| 2021 | Central Mutual Insurance Company | 41 of 135 | 0.00 | 0 | 0 | 0 | $6.63m |
| 2020 | Central Mutual Insurance Company | 29 of 135 | 0.00 | 0 | 1 | 1 | $6.56m |
| 2019 | Central Mutual Insurance Company | 129 of 139 | 0.16 | 1 | 0 | 0 | $6.24m |
| 2018 | Central Mutual Insurance Company | 51 of 151 | 0.00 | 0 | 1 | 0 | $5.54m |
| 2017 | Central Mutual Insurance Company | 49 of 159 | 0.00 | 0 | 0 | 0 | $5.25m |
| 2014 | Central Mutual Insurance Company | 36 of 169 | 0.00 | 0 | 0 | 0 | $5.81m |
| 2013 | Central Mutual Insurance Company | 42 of 171 | 0.00 | 0 | 0 | 0 | $5.67m |
| 2012 | Central Mutual Insurance Company | 43 of 172 | 0.00 | 0 | 0 | 0 | $5.45m |
| 2011 | Central Mutual Insurance Company | 35 of 169 | 0.00 | 0 | 0 | 1 | $5.37m |
| 2010 | Central Mutual Insurance Company | 34 of 179 | 0.00 | 0 | 1 | 0 | $5.18m |
| 2009 | Central Mutual Insurance Company | 39 of 181 | 0.00 | 0 | 0 | 2 | $4.68m |
See the full New York list for complaints closed in 2024
Indiana auto insurance
| Year | Complaint index | Complaints | Indiana premiums |
|---|---|---|---|
| 2025 | Not listed (Indiana lists only companies with at least one complaint) | ||
| 2024 | 1.64 | 1 | $12,945,233 |
| 2023 | Not listed (Indiana lists only companies with at least one complaint) | ||
| 2022 | Not listed (Indiana lists only companies with at least one complaint) | ||
See the full Indiana auto list for 2024
Michigan auto insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2025 | Central Insurance Company | 0.09 | 1 | $11,185,855 |
See the full Michigan auto list for 2025
Michigan homeowners insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2024 | Central Insurance Company | 0.31 | 1 | $3,175,915 |
See the full Michigan homeowners list for 2024
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 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 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".
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
- 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)
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.