Companies ยท NAIC 25127
State Auto Property & Casualty Insurance Company: complaint record
State Auto Property & Casualty Insurance Company (NAIC company code 25127) appears in public complaint data from the insurance regulators in Texas, Indiana and Michigan. In Texas auto insurance in 2025, it had 0 confirmed complaints and 543 policies in force, a complaint index of 0.00 (no confirmed complaints). In Indiana auto insurance in 2023, it had 1 complaint on $5,990,640 of premiums, a complaint index of 2.98. 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 2023, it had 8 complaints on $17,934,439 of premiums written, 0.45 complaints per $1 million. In Michigan homeowners insurance in 2023, it had 4 complaints on $31,548,867 of premiums written, 0.13 complaints per $1 million.
Texas auto insurance
| Year | Complaint index | Confirmed complaints | Policies in force |
|---|---|---|---|
| 2025 | 0.00 | 0 | 543 |
| 2024 | 0.00 | 0 | 696 |
Compare with other auto insurers in Texas
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 | 2.98 | 1 | $5,990,640 |
| 2022 | Not listed (Indiana lists only companies with at least one complaint) | ||
See the full Indiana auto list for 2023
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 | 2.83 | 2 | $9,509,288 |
| 2022 | 2.77 | 2 | $11,956,795 |
See the full Indiana homeowners list for 2024
Michigan auto insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2023 | State Auto Property and Casualty Insurance Company | 0.45 | 8 | $17,934,439 |
See the full Michigan auto list for 2023
Michigan homeowners insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2023 | State Auto Property and Casualty Insurance Company | 0.13 | 4 | $31,548,867 |
See the full Michigan homeowners list for 2023
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 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
- Texas Department of Insurance, Complaint indexes and policy counts for insurance companies (dataset pa9u-9s9w), data.texas.gov
- 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.