Companies ยท NAIC 23388
Shelter Mutual Insurance Company: complaint record
Shelter Mutual Insurance Company (NAIC company code 23388) appears in public complaint data from the insurance regulators in Indiana, Illinois and Kansas. In Indiana auto insurance in 2025, it had 1 complaint on $36,679,533 of premiums, a complaint index of 0.56. In Indiana homeowners insurance in 2024, it had 2 complaints on $16,706,311 of premiums, a complaint index of 1.87.
Indiana auto insurance
| Year | Complaint index | Complaints | Indiana premiums |
|---|---|---|---|
| 2025 | 0.56 | 1 | $36,679,533 |
| 2024 | 0.56 | 1 | $37,984,850 |
| 2023 | 0.55 | 1 | $32,343,868 |
| 2022 | Not listed (Indiana lists only companies with at least one complaint) | ||
See the full Indiana auto list for 2025
Indiana homeowners insurance
| Year | Complaint index | Complaints | Indiana premiums |
|---|---|---|---|
| 2025 | Not listed (Indiana lists only companies with at least one complaint) | ||
| 2024 | 1.87 | 2 | $16,706,311 |
| 2023 | Not listed (Indiana lists only companies with at least one complaint) | ||
| 2022 | 1.24 | 1 | $13,366,445 |
See the full Indiana homeowners list for 2024
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 | Shelter Mutual Insurance Company | 0.2199 complaints per $1M earned premium | 9 | Full list |
| Illinois | Auto | 2024 | Shelter Mutual Insurance Company | 0.1346 complaints per $1M earned premium | 5 | Full list |
| Illinois | Homeowners | 2025 | Shelter Mutual Insurance Company | 0.4137 complaints per $1M earned premium | 8 | Full list |
| Illinois | Homeowners | 2024 | Shelter Mutual Insurance Company | 0.8013 complaints per $1M earned premium | 13 | Full list |
| Illinois | Homeowners | 2023 | Shelter Mutual Insurance Company | 1.0273 complaints per $1M earned premium | 14 | Full list |
| Kansas | Auto | 2024 | Shelter Mutual Insurance Company | Complaint index 0.49 | 18 | Full list |
| Kansas | Auto | 2023 | Shelter Mutual Insurance Company | Complaint index 0.79 | 22 | Full list |
| Kansas | Auto | 2022 | Shelter Mutual Insurance Company | Complaint index 0.73 | 22 | Full list |
| Kansas | Auto | 2021 | Shelter Mutual Insurance Company | Complaint index 0.86 | 17 | Full list |
| Kansas | Auto | 2020 | Shelter Mutual Insurance Company | Complaint index 0.57 | 11 | Full list |
| Kansas | Homeowners | 2024 | Shelter Mutual Insurance Company | Complaint index 0.77 | 13 | Full list |
| Kansas | Homeowners | 2023 | Shelter Mutual Insurance Company | Complaint index 1.06 | 11 | Full list |
| Kansas | Homeowners | 2022 | Shelter Mutual Insurance Company | Complaint index 1.56 | 18 | Full list |
| Kansas | Homeowners | 2021 | Shelter Mutual Insurance Company | Complaint index 0.68 | 5 | Full list |
| Kansas | Homeowners | 2020 | Shelter Mutual Insurance Company | Complaint index 1.15 | 8 | Full list |
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 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
- Indiana Department of Insurance, Company Complaint Index (auto and homeowners, 2022 to 2025)
- 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.