Companies ยท NAIC 10395
Citizens Insurance Company of the Midwest: complaint record
Citizens Insurance Company of the Midwest (NAIC company code 10395) appears in public complaint data from the insurance regulators in Indiana and Michigan. In Indiana homeowners insurance in 2024, it had 1 complaint with no premium reported to Indiana for 2024, so no index was calculated. In Michigan auto insurance in 2025, it had 54 complaints on $643,021,008 of premiums written, 0.08 complaints per $1 million. In Michigan homeowners insurance in 2025, it had 41 complaints on $359,847,400 of premiums written, 0.11 complaints per $1 million.
Indiana homeowners insurance
| Year | Complaint index | Complaints | Indiana premiums |
|---|---|---|---|
| 2025 | Not listed (Indiana lists only companies with at least one complaint) | ||
| 2024 | Not calculated | 1 | None reported |
| 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 homeowners list for 2024
Michigan auto insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2025 | Citizens Insurance Company of the Midwest | 0.08 | 54 | $643,021,008 |
| 2024 | Citizens Insurance Company of the Midwest | 0.07 | 45 | $641,309,231 |
| 2023 | Citizens Insurance Company of the Midwest | 0.07 | 45 | $637,169,183 |
See the full Michigan auto list for 2025
Michigan homeowners insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2025 | Citizens Insurance Company of the Midwest | 0.11 | 41 | $359,847,400 |
| 2024 | Citizens Insurance Company of the Midwest | 0.11 | 37 | $345,817,853 |
| 2023 | Citizens Insurance Company of the Midwest | 0.09 | 29 | $335,608,131 |
See the full Michigan homeowners list for 2025
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
- 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.