Illinois · Homeowners · 2023
Illinois homeowners insurance complaints by company, 2023
Illinois listed 53 homeowners companies with enough complaints for 2023. The ratio is complaints per $1M earned premium. The industry average was 0.4313, from 2,386 complaints across all companies. Lowest ratio first. A complaint can have more than one reason.
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".
| Farmers Automobile Insurance Association (The) | 0.1435 | 7 | $48,767,765 | 6 | 1 | 0 | 0 |
| Farmers Insurance Exchange | 0.1450 | 19 | $131,071,047 | 14 | 5 | 2 | 1 |
| American Family Mutual Insurance Company S I | 0.1487 | 20 | $134,489,837 | 19 | 4 | 4 | 3 |
| West Bend Mutual Insurance Company | 0.1547 | 6 | $38,788,410 | 6 | 1 | 1 | 1 |
| West Bend Mutual Insurance Company | 0.1547 | 6 | $38,788,410 | 6 | 1 | 1 | 1 |
| Country Mutual Insurance Company | 0.1559 | 85 | $545,320,721 | 80 | 10 | 11 | 6 |
| Auto Owners Insurance Company | 0.1952 | 18 | $92,220,237 | 14 | 4 | 1 | 0 |
| USAA Casualty Insurance Company | 0.2004 | 11 | $54,885,415 | 9 | 4 | 3 | 2 |
| Cincinnati Insurance Company (The) | 0.2120 | 5 | $23,587,022 | 4 | 0 | 1 | 0 |
| Farmers Casualty Insurance Company | 0.2145 | 7 | $32,629,820 | 5 | 4 | 3 | 2 |
| Travelers Home And Marine Ins Co (The) | 0.2325 | 13 | $55,911,203 | 11 | 3 | 1 | 1 |
| Country Preferred Insurance Company | 0.2505 | 5 | $19,959,839 | 3 | 1 | 0 | 1 |
| Erie Insurance Company | 0.2644 | 25 | $94,558,741 | 23 | 3 | 1 | 0 |
| Illinois Farmers Insurance Company | 0.2833 | 8 | $28,240,883 | 6 | 3 | 1 | 1 |
| Insurance Company of Illinois | 0.2889 | 20 | $69,224,210 | 14 | 5 | 2 | 1 |
| Safeco Insurance Company of Illinois | 0.2941 | 12 | $40,804,186 | 10 | 0 | 2 | 0 |
| Encompass Insurance Company | 0.3538 | 5 | $14,130,400 | 5 | 0 | 0 | 0 |
| Garrison Property And Casualty Assn | 0.3557 | 6 | $16,869,897 | 3 | 2 | 2 | 0 |
| Liberty Mutual Personal Insurance Company | 0.3603 | 31 | $86,028,133 | 27 | 6 | 3 | 1 |
| AMCO Insurance Company | 0.3688 | 5 | $13,556,716 | 5 | 0 | 0 | 0 |
| Frontier Mt. Carroll Mutual Insurance Company | 0.3731 | 7 | $18,764,049 | 6 | 2 | 1 | 1 |
| Travco Insurance Company | 0.3795 | 70 | $184,459,636 | 56 | 20 | 10 | 5 |
| American Family Insurance Company | 0.3997 | 39 | $97,570,441 | 37 | 9 | 6 | 3 |
| Amguard Insurance Company | 0.4190 | 5 | $11,933,256 | 5 | 0 | 0 | 0 |
| Peerless Indemnity Insurance Company | 0.4286 | 9 | $21,000,449 | 5 | 3 | 0 | 1 |
| Milbank Insurance Company | 0.4315 | 7 | $16,223,955 | 6 | 1 | 0 | 0 |
| Rockford Mutual Insurance Company | 0.4408 | 7 | $15,880,104 | 6 | 1 | 0 | 0 |
| Farmers New Century Insurance Company | 0.4532 | 10 | $22,065,285 | 7 | 5 | 4 | 3 |
| American Modern Property & Casualty Ins Co | 0.4533 | 5 | $11,029,169 | 4 | 1 | 1 | 0 |
| Farmers Direct Property and Casualty Insurance Company | 0.4570 | 21 | $45,955,666 | 14 | 8 | 3 | 2 |
| Allstate Insurance Company | 0.4650 | 40 | $86,025,244 | 33 | 6 | 5 | 1 |
| Homesite Insurance Company of Florida | 0.4954 | 43 | $86,804,943 | 34 | 13 | 6 | 3 |
| State Farm Fire & Casualty Company | 0.5166 | 891 | $1,724,803,272 | 779 | 190 | 99 | 69 |
| Allstate Property and Casualty Insurance Company | 0.5224 | 17 | $32,542,558 | 17 | 1 | 1 | 1 |
| American Strategic Insurance Corp. | 0.5237 | 19 | $36,277,185 | 12 | 7 | 4 | 4 |
| MIC General Insurance Corporation | 0.5411 | 13 | $24,025,028 | 9 | 5 | 1 | 1 |
| Homesite Insurance Company of Illinois | 0.5707 | 6 | $10,512,497 | 4 | 1 | 2 | 0 |
| Lemonade Insurance Company | 0.5757 | 9 | $15,631,995 | 7 | 1 | 1 | 0 |
| Trumbull Insurance Company | 0.5793 | 13 | $22,438,966 | 6 | 7 | 1 | 0 |
| MemberSelect Insurance Company | 0.5818 | 27 | $46,410,542 | 21 | 7 | 2 | 3 |
| Foremost Insurance Company Grand Rapids, Michigan | 0.6115 | 18 | $29,436,768 | 10 | 6 | 5 | 0 |
| Nationwide Insurance Company of America | 0.6544 | 24 | $36,675,810 | 21 | 4 | 3 | 2 |
| Allstate Vehicle and Property Insurance Company | 0.6564 | 247 | $376,285,532 | 220 | 52 | 41 | 24 |
| Madison Mutual Insurance Company | 0.6569 | 6 | $9,133,928 | 5 | 2 | 0 | 0 |
| Allstate Indemnity Company | 0.6636 | 68 | $102,468,353 | 60 | 11 | 8 | 6 |
| Hartford Insurance Company of the Southeast | 0.9059 | 8 | $8,830,732 | 3 | 5 | 2 | 2 |
| Auto Club Insurance Association | 0.9589 | 11 | $11,470,990 | 1 | 10 | 1 | 0 |
| Shelter Mutual Insurance Company | 1.0273 | 14 | $13,627,619 | 12 | 3 | 1 | 1 |
| Spinnaker Insurance Company | 1.1115 | 17 | $15,295,137 | 12 | 5 | 3 | 1 |
| Mercury Insurance Company of Illinois | 1.4967 | 17 | $11,358,543 | 16 | 5 | 3 | 3 |
| American Bankers Insurance Company of Florida | 1.6107 | 21 | $13,037,884 | 21 | 2 | 1 | 1 |
| Cambridge Mutual Fire Insurance Company | 1.7079 | 12 | $7,026,248 | 11 | 2 | 1 | 1 |
| Pekin Insurance Company | 1.7804 | 15 | $8,425,112 | 13 | 4 | 2 | 1 |
Select a heading to sort. Names are as the regulator printed them. Linked companies also appear in other regulators' data on this site.
Sources
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.