Companies ยท NAIC 16322
Progressive Direct Insurance Company: complaint record
Progressive Direct Insurance Company (NAIC company code 16322) appears in public complaint data from the insurance regulators in New York, Indiana, California, Illinois and Kansas. In New York's auto insurance complaint rankings for complaints closed in 2024 it was ranked 101 of 128 (rank 1 has the fewest upheld complaints for its premiums), with 3 upheld complaints and 0.12 upheld complaints per million dollars of premiums. In Indiana auto insurance in 2023, it had 1 complaint with no premium reported to Indiana for 2023, so no index was calculated.
New York auto insurance
| Complaints closed in | Filed as | Rank | Upheld per $1m | Upheld | Question of fact | Not upheld | Premiums written |
|---|---|---|---|---|---|---|---|
| 2024 | Progressive Direct Insurance Company | 101 of 128 | 0.12 | 3 | 16 | 68 | $24.52m |
| 2023 | Progressive Direct Insurance Company | 88 of 124 | 0.05 | 1 | 8 | 19 | $21.67m |
| 2022 | Progressive Direct Insurance Company | 12 of 132 | 0.00 | 0 | 7 | 7 | $19.58m |
| 2021 | Progressive Direct Insurance Company | 118 of 135 | 0.17 | 3 | 7 | 10 | $18.12m |
| 2020 | Progressive Direct Insurance Company | 115 of 135 | 0.12 | 2 | 4 | 14 | $16.76m |
| 2019 | Progressive Direct Insurance Company | 17 of 139 | 0.00 | 0 | 6 | 7 | $15.81m |
| 2018 | Progressive Direct Insurance Company | 139 of 151 | 0.27 | 4 | 5 | 8 | $15.06m |
| 2017 | Progressive Direct Insurance Company | 126 of 159 | 0.07 | 1 | 1 | 8 | $14.23m |
| 2014 | Progressive Direct Insurance Company | 143 of 169 | 0.21 | 4 | 9 | 20 | $19.40m |
| 2013 | Progressive Direct Insurance Company | 135 of 171 | 0.11 | 4 | 3 | 21 | $37.35m |
| 2012 | Progressive Direct Insurance Company | 97 of 172 | 0.02 | 1 | 12 | 17 | $54.25m |
| 2011 | Progressive Direct Insurance Company | 105 of 169 | 0.06 | 4 | 13 | 49 | $67.85m |
| 2010 | Progressive Direct Insurance Company | 100 of 179 | 0.06 | 5 | 17 | 26 | $90.08m |
| 2009 | Progressive Direct Insurance Company | 78 of 181 | 0.03 | 4 | 19 | 52 | $117.57m |
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 | Not listed (Indiana lists only companies with at least one complaint) | ||
| 2023 | Not calculated | 1 | None reported |
| 2022 | Not listed (Indiana lists only companies with at least one complaint) | ||
See the full Indiana auto list for 2023
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 | |
|---|---|---|---|---|---|---|
| California | Auto | 2025 (2026 study) | Progressive Direct Insurance Company | Rank 6 of 50, 0.6 justified per 100,000 | 1 justified | Full list |
| Illinois | Auto | 2025 | Progressive Direct Insurance Company | 1.7478 complaints per $1M earned premium | 17 | Full list |
| Illinois | Auto | 2024 | Progressive Direct Insurance Company | 1.4247 complaints per $1M earned premium | 15 | Full list |
| Kansas | Auto | 2024 | Progressive Direct Insurance Company | Complaint index 1.04 | 86 | Full list |
| Kansas | Auto | 2023 | Progressive Direct Insurance Company | Complaint index 1.13 | 71 | Full list |
| Kansas | Auto | 2022 | Progressive Direct Insurance Company | Complaint index 1.38 | 86 | Full list |
| Kansas | Auto | 2021 | Progressive Direct Insurance Company | Complaint index 1.46 | 59 | Full list |
| Kansas | Auto | 2020 | Progressive Direct Insurance Company | Complaint index 0.84 | 30 | Full list |
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 California complaint study
The California Department of Insurance ranks large insurers by justified complaints per 100,000 earned exposures (auto and homeowners) or per 100,000 mean policies in force (individual life). CDI counts a complaint as justified under the definitions in California Insurance Code section 12921.1. The study covers the top 50 companies in each line and counts complaints closed in each year.
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.
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
- Indiana Department of Insurance, Company Complaint Index (auto and homeowners, 2022 to 2025)
- California Department of Insurance, Consumer Complaint Study, 2026 edition
- Illinois Department of Insurance, Consumer Complaints Ratio Reports (2023 to 2025)
- Kansas Insurance Department, Complaint Index Reports (2020 to 2024)
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.