Companies ยท NAIC 12873
Privilege Underwriters Reciprocal Exchange: complaint record
Privilege Underwriters Reciprocal Exchange (NAIC company code 12873) appears in public complaint data from the insurance regulators in Texas, New York, Michigan and Oregon. In Texas auto insurance in 2025, it had 0 confirmed complaints and 7,434 policies in force, a complaint index of 0.00 (no confirmed complaints). In Texas homeowners insurance in 2025, it had 3 confirmed complaints and 11,995 policies in force, a complaint index of 1.97 (more confirmed complaints than the market average for its size). In New York's auto insurance complaint rankings for complaints closed in 2024 it was ranked 66 of 128 (rank 1 has the fewest upheld complaints for its premiums), with 1 upheld complaint and 0.02 upheld complaints per million dollars of premiums. In Michigan homeowners insurance in 2025, it had 1 complaint on $20,513,636 of premiums written, 0.05 complaints per $1 million.
Texas auto insurance
| Year | Complaint index | Confirmed complaints | Policies in force |
|---|---|---|---|
| 2025 | 0.00 | 0 | 7,434 |
| 2024 | 0.00 | 0 | 7,543 |
Compare with other auto insurers in Texas
Texas homeowners insurance
| Year | Complaint index | Confirmed complaints | Policies in force |
|---|---|---|---|
| 2025 | 1.97 | 3 | 11,995 |
| 2024 | 1.03 | 1 | 12,016 |
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 | Privilege Underwriters Reciprocal Exchange | 66 of 128 | 0.02 | 1 | 1 | 1 | $42.90m |
| 2023 | Privilege Underwriters Reciprocal Exchange | 94 of 124 | 0.05 | 2 | 0 | 0 | $39.30m |
| 2022 | Privilege Underwriters Reciprocal Exchange | 104 of 132 | 0.08 | 3 | 0 | 0 | $35.81m |
| 2021 | Privilege Underwriters Reciprocal Exchange | 17 of 135 | 0.00 | 0 | 1 | 1 | $31.28m |
| 2020 | Privilege Underwriters Reciprocal Exchange | 91 of 135 | 0.04 | 1 | 0 | 0 | $27.48m |
| 2019 | Privilege Underwriters Reciprocal Exchange | 9 of 139 | 0.00 | 0 | 3 | 0 | $24.30m |
| 2018 | Privilege Underwriters Reciprocal Exchange | 22 of 151 | 0.00 | 0 | 1 | 0 | $20.27m |
| 2017 | Privilege Underwriters Reciprocal Exchange | 18 of 159 | 0.00 | 0 | 1 | 0 | $16.75m |
| 2014 | Privilege Underwriters Reciprocal Exchange | 27 of 169 | 0.00 | 0 | 0 | 1 | $9.09m |
| 2013 | Privilege Underwriters Reciprocal Exchange | 34 of 171 | 0.00 | 0 | 0 | 0 | $7.12m |
| 2012 | Privilege Underwriters Reciprocal Exchange | 41 of 172 | 0.00 | 0 | 0 | 0 | $5.70m |
| 2011 | Privilege Underwriters Reciprocal Exchange | 43 of 169 | 0.00 | 0 | 0 | 0 | $4.47m |
| 2010 | Privilege Underwriters Reciprocal Exchange | 46 of 179 | 0.00 | 0 | 0 | 0 | $2.81m |
See the full New York list for complaints closed in 2024
Michigan homeowners insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2025 | Privilege Underwriters Reciprocal Exchange | 0.05 | 1 | $20,513,636 |
| 2024 | Privilege Underwriters Reciprocal Exchange | 0.06 | 1 | $17,914,695 |
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 | |
|---|---|---|---|---|---|---|
| Oregon | Auto | 2025 | Privilege Underwriters Reciprocal Exchange | Complaint index 0.00 | 0 confirmed of 0 | Full list |
| Oregon | Auto | 2024 | Privilege Underwriters Reciprocal Exchange | Complaint index 0.00 | 0 confirmed of 0 | Full list |
| Oregon | Auto | 2023 | Privilege Underwriters Reciprocal Exchange | Complaint index 0.00 | 0 confirmed of 0 | Full list |
| Oregon | Auto | 2022 | Privilege Underwriters Reciprocal Exchange | Complaint index 0.00 | 0 confirmed of 0 | Full list |
| Oregon | Homeowners | 2025 | Privilege Underwriters Reciprocal Exchange | Complaint index 0.00 | 0 confirmed of 0 | Full list |
| Oregon | Homeowners | 2024 | Privilege Underwriters Reciprocal Exchange | Complaint index 0.00 | 0 confirmed of 0 | Full list |
| Oregon | Homeowners | 2023 | Privilege Underwriters Reciprocal Exchange | Complaint index 4.14 | 1 confirmed of 1 | Full list |
| Oregon | Homeowners | 2022 | Privilege Underwriters Reciprocal Exchange | Complaint index 0.00 | 0 confirmed of 0 | 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 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)
- 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.