Companies ยท NAIC 28188
TravCo Insurance Company: complaint record
TravCo Insurance Company (NAIC company code 28188) appears in public complaint data from the insurance regulators in New York, Indiana, Michigan and Illinois. In New York's auto insurance complaint rankings for complaints closed in 2024 it was ranked 38 of 128 (rank 1 has the fewest upheld complaints for its premiums), with 0 upheld complaints and 0.00 upheld complaints per million dollars of premiums. In Indiana homeowners insurance in 2024, it had 1 complaint on $21,997,416 of premiums, a complaint index of 0.71. In Michigan homeowners insurance in 2025, it had 11 complaints on $24,659,618 of premiums written, 0.45 complaints per $1 million.
New York auto insurance
| Complaints closed in | Filed as | Rank | Upheld per $1m | Upheld | Question of fact | Not upheld | Premiums written |
|---|---|---|---|---|---|---|---|
| 2024 | TravCo Insurance Company | 38 of 128 | 0.00 | 0 | 0 | 0 | $2.95m |
| 2023 | TravCo Insurance Company | 44 of 124 | 0.00 | 0 | 0 | 0 | $3.15m |
| 2022 | TravCo Insurance Company | 46 of 132 | 0.00 | 0 | 1 | 0 | $3.46m |
| 2021 | TravCo Insurance Company | 60 of 135 | 0.00 | 0 | 0 | 0 | $3.80m |
| 2020 | TravCo Insurance Company | 44 of 135 | 0.00 | 0 | 0 | 1 | $4.28m |
| 2019 | TravCo Insurance Company | 47 of 139 | 0.00 | 0 | 0 | 0 | $4.88m |
| 2018 | TravCo Insurance Company | 52 of 151 | 0.00 | 0 | 0 | 1 | $5.53m |
| 2017 | TravCo Insurance Company | 42 of 159 | 0.00 | 0 | 0 | 0 | $6.41m |
| 2014 | TravCo Insurance Company | 21 of 169 | 0.00 | 0 | 0 | 1 | $11.36m |
| 2013 | TravCo Insurance Company | 23 of 171 | 0.00 | 0 | 0 | 0 | $13.11m |
| 2012 | TravCo Insurance Company | 24 of 172 | 0.00 | 0 | 0 | 1 | $15.23m |
| 2011 | TravCo Insurance Company | 14 of 169 | 0.00 | 0 | 1 | 1 | $18.54m |
| 2010 | TravCo Insurance Company | 90 of 179 | 0.04 | 1 | 2 | 3 | $23.07m |
| 2009 | TravCo Insurance Company | 6 of 181 | 0.00 | 0 | 2 | 2 | $28.08m |
See the full New York list for complaints closed in 2024
Indiana homeowners insurance
| Year | Complaint index | Complaints | Indiana premiums |
|---|---|---|---|
| 2025 | Not listed (Indiana lists only companies with at least one complaint) | ||
| 2024 | 0.71 | 1 | $21,997,416 |
| 2023 | 1.58 | 3 | $25,522,573 |
| 2022 | 0.62 | 1 | $26,828,599 |
See the full Indiana homeowners list for 2024
Michigan homeowners insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2025 | Travco Insurance Company | 0.45 | 11 | $24,659,618 |
| 2024 | Travco Insurance Company | 0.70 | 15 | $21,491,215 |
| 2023 | Travco Insurance Company | 0.76 | 13 | $17,038,251 |
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 | |
|---|---|---|---|---|---|---|
| Illinois | Homeowners | 2025 | Travco Insurance Company | 0.3328 complaints per $1M earned premium | 83 | Full list |
| Illinois | Homeowners | 2024 | Travco Insurance Company | 0.3714 complaints per $1M earned premium | 82 | Full list |
| Illinois | Homeowners | 2023 | Travco Insurance Company | 0.3795 complaints per $1M earned premium | 70 | 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 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".
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)
- 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)
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.