Companies ยท NAIC 31534
Citizens Insurance Company of America: complaint record
Citizens Insurance Company of America (NAIC company code 31534) appears in public complaint data from the insurance regulators in New York and Michigan. In New York's auto insurance complaint rankings for complaints closed in 2020 it was ranked 58 of 135 (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 Michigan homeowners insurance in 2023, it had 4 complaints on $6,542,071 of premiums written, 0.61 complaints per $1 million.
New York auto insurance
| Complaints closed in | Filed as | Rank | Upheld per $1m | Upheld | Question of fact | Not upheld | Premiums written |
|---|---|---|---|---|---|---|---|
| 2020 | Citizens Insurance Company of America | 58 of 135 | 0.00 | 0 | 0 | 1 | $1.22m |
| 2019 | Citizens Insurance Company of America | 62 of 139 | 0.00 | 0 | 0 | 0 | $1.55m |
| 2018 | Citizens Insurance Company of America | 69 of 151 | 0.00 | 0 | 0 | 0 | $1.90m |
| 2017 | Citizens Insurance Company of America | 62 of 159 | 0.00 | 0 | 0 | 2 | $2.33m |
| 2014 | Citizens Insurance Company of America | 144 of 169 | 0.22 | 1 | 0 | 1 | $4.47m |
| 2013 | Citizens Insurance Company of America | 43 of 171 | 0.00 | 0 | 1 | 1 | $5.59m |
| 2012 | Citizens Insurance Company of America | 38 of 172 | 0.00 | 0 | 0 | 1 | $6.87m |
| 2011 | Citizens Insurance Company of America | 27 of 169 | 0.00 | 0 | 0 | 0 | $8.30m |
| 2010 | Citizens Insurance Company of America | 117 of 179 | 0.10 | 1 | 2 | 3 | $10.06m |
| 2009 | Citizens Insurance Company of America | 16 of 181 | 0.00 | 0 | 1 | 3 | $12.42m |
See the full New York list for complaints closed in 2020
Michigan homeowners insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2023 | Citizens Insurance Company of America | 0.61 | 4 | $6,542,071 |
See the full Michigan homeowners list for 2023
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 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
- New York State Department of Financial Services, Automobile Insurance Company Complaint Rankings: Beginning 2009 (dataset h2wd-9xfe), data.ny.gov
- 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.