Companies ยท NAIC 30210
Esurance Property and Casualty Insurance Company: complaint record
Esurance Property and Casualty Insurance Company (NAIC company code 30210) appears in public complaint data from the insurance regulators in Texas, New York, Michigan, Illinois, Kansas and Oregon. In Texas auto insurance in 2025, it had 1 confirmed complaint and 84 policies in force, a complaint index of 72.25 (more confirmed complaints than the market average for its size) from a small base, so read it with care. In New York's auto insurance complaint rankings for complaints closed in 2024 it was ranked 105 of 128 (rank 1 has the fewest upheld complaints for its premiums), with 6 upheld complaints and 0.14 upheld complaints per million dollars of premiums. In Michigan auto insurance in 2025, it had 16 complaints on $57,102,913 of premiums written, 0.28 complaints per $1 million.
Texas auto insurance
| Year | Complaint index | Confirmed complaints | Policies in force |
|---|---|---|---|
| 2025 | 72.25 | 1 | 84 |
| 2024 | 0.00 | 0 | 597 |
Compare with other auto 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 | Esurance Property and Casualty Insurance Company | 105 of 128 | 0.14 | 6 | 3 | 16 | $41.82m |
| 2023 | Esurance Property and Casualty Insurance Company | 112 of 124 | 0.16 | 7 | 7 | 32 | $44.54m |
| 2022 | Esurance Property and Casualty Insurance Company | 116 of 132 | 0.20 | 9 | 4 | 29 | $44.40m |
| 2021 | Esurance Property and Casualty Insurance Company | 99 of 135 | 0.05 | 2 | 3 | 11 | $40.98m |
| 2020 | Esurance Property and Casualty Insurance Company | 102 of 135 | 0.05 | 2 | 3 | 16 | $37.35m |
| 2019 | Esurance Property and Casualty Insurance Company | 101 of 139 | 0.03 | 1 | 0 | 8 | $30.65m |
| 2018 | Esurance Property and Casualty Insurance Company | 18 of 151 | 0.00 | 0 | 0 | 6 | $23.54m |
| 2017 | Esurance Property and Casualty Insurance Company | 12 of 159 | 0.00 | 0 | 0 | 8 | $22.44m |
| 2014 | Esurance Property and Casualty Insurance Company | 108 of 169 | 0.07 | 1 | 1 | 7 | $15.28m |
| 2013 | Esurance Property and Casualty Insurance Company | 36 of 171 | 0.00 | 0 | 1 | 4 | $7.00m |
| 2012 | Esurance Property and Casualty Insurance Company | 74 of 172 | 0.00 | 0 | 0 | 2 | $1.68m |
See the full New York list for complaints closed in 2024
Michigan auto insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2025 | Esurance Property and Casualty Insurance Company | 0.28 | 16 | $57,102,913 |
| 2024 | Esurance Property and Casualty Insurance Company | 0.17 | 13 | $74,466,362 |
| 2023 | Esurance Property and Casualty Insurance Company | 0.47 | 46 | $98,475,564 |
See the full Michigan auto 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 | Esurance Property & Casualty Ins Co | 0.4748 complaints per $1M earned premium | 12 | Full list |
| Illinois | Auto | 2024 | Esurance Property & Casualty Ins Co | 0.3240 complaints per $1M earned premium | 12 | Full list |
| Illinois | Auto | 2023 | Esurance Property & Casualty Ins Co | 0.5937 complaints per $1M earned premium | 32 | Full list |
| Kansas | Auto | 2024 | Direct General Insurance Company | Complaint index 2.23 | 11 | Full list |
| Kansas | Auto | 2023 | Esurance Property & Casualty Insurance Company | Complaint index 5.84 | 15 | Full list |
| Oregon | Homeowners | 2025 | Esurance Property and Casualty Insurance Company | Complaint index 0.00 | 0 confirmed of 0 | Full list |
| Oregon | Homeowners | 2024 | Esurance Property and Casualty Insurance Company | Complaint index 0.00 | 0 confirmed of 1 | Full list |
| Oregon | Homeowners | 2023 | Esurance Property and Casualty Insurance Company | Complaint index 0.00 | 0 confirmed of 0 | Full list |
| Oregon | Homeowners | 2022 | Esurance Property and Casualty Insurance Company | Complaint index 0.00 | 0 confirmed of 2 | Full list |
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 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.
How to read the Oregon complaint index
The Oregon Division of Financial Regulation lists every company with Oregon premium in a line, including companies with no complaints, with total and confirmed complaints opened in the year. Oregon's files do not define the complaint index. Recomputing it closely matches (within 3%) a company's share of confirmed complaints divided by its share of premium in the table, so 1.00 is average and 0 means no confirmed complaints. A few companies report negative premium, which can produce a negative or extreme index. We show these as published. For small companies one or two complaints move the index a lot.
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
- 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)
- Oregon Division of Financial Regulation, complaint data for all insurers (annual PDF reports, 2022 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.