Illinois · Homeowners · 2025
Illinois homeowners insurance complaints by company, 2025
Illinois listed 57 homeowners companies with enough complaints for 2025. The ratio is complaints per $1M earned premium. The industry average was 0.4073, from 2,864 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".
| Country Preferred Insurance Company | 0.0505 | 21 | $415,970,976 | 14 | 4 | 5 | 0 |
| Farmers Insurance Exchange | 0.1260 | 15 | $119,006,343 | 13 | 3 | 4 | 1 |
| Country Mutual Insurance Company | 0.1326 | 40 | $301,693,181 | 33 | 5 | 4 | 1 |
| Auto Owners Insurance Company | 0.1406 | 23 | $163,617,255 | 18 | 5 | 1 | 0 |
| Farmers New Century Insurance Company | 0.1490 | 9 | $60,397,871 | 8 | 0 | 1 | 0 |
| Citizens Insurance Company Of Illinois | 0.1541 | 10 | $64,874,700 | 7 | 4 | 2 | 1 |
| Rock Ridge Insurance Company | 0.1581 | 5 | $31,624,328 | 4 | 1 | 0 | 0 |
| USAA Casualty Insurance Company | 0.1726 | 12 | $69,510,140 | 9 | 1 | 1 | 1 |
| West Bend Mutual Insurance Company | 0.1865 | 8 | $42,906,266 | 6 | 3 | 1 | 1 |
| Cincinnati Insurance Company (The) | 0.1866 | 5 | $26,798,879 | 4 | 1 | 0 | 0 |
| Erie Insurance Company | 0.2018 | 33 | $163,536,879 | 27 | 9 | 9 | 2 |
| United Services Automobile Association | 0.2033 | 15 | $73,770,609 | 15 | 0 | 0 | 1 |
| American Family Mutual Insurance Company S I | 0.2130 | 30 | $140,868,917 | 25 | 8 | 6 | 0 |
| Frontier Mt. Carroll Mutual Insurance Company | 0.2434 | 6 | $24,646,791 | 3 | 3 | 1 | 0 |
| USAA General Indemnity Company | 0.2708 | 13 | $48,001,730 | 9 | 4 | 3 | 0 |
| Insurance Company of Illinois | 0.2710 | 29 | $107,000,546 | 26 | 3 | 2 | 0 |
| Garrison Property And Casualty Assn | 0.2861 | 7 | $24,464,401 | 6 | 1 | 0 | 0 |
| Farmers Direct Property and Casualty Insurance Company | 0.2890 | 11 | $38,065,100 | 4 | 6 | 2 | 0 |
| Encompass Insurance Company | 0.2930 | 23 | $78,505,897 | 15 | 8 | 5 | 1 |
| American Select Insurance Company | 0.2934 | 6 | $20,450,004 | 3 | 3 | 2 | 0 |
| Homesite Insurance Company of Florida | 0.2942 | 48 | $163,156,842 | 28 | 21 | 10 | 0 |
| Allstate Property and Casualty Insurance Company | 0.2948 | 9 | $30,533,074 | 8 | 3 | 1 | 1 |
| American Family Insurance Company | 0.2960 | 37 | $124,998,986 | 27 | 11 | 2 | 0 |
| Foremost Insurance Company Grand Rapids, Michigan | 0.3005 | 12 | $39,933,900 | 11 | 1 | 0 | 0 |
| Travelers Home And Marine Ins Co (The) | 0.3242 | 16 | $49,347,631 | 13 | 2 | 2 | 0 |
| Liberty Mutual Personal Insurance Company | 0.3245 | 22 | $67,788,548 | 18 | 2 | 3 | 0 |
| Allstate Insurance Company | 0.3258 | 30 | $92,081,731 | 25 | 4 | 4 | 2 |
| Travco Insurance Company | 0.3328 | 83 | $249,424,623 | 59 | 24 | 10 | 0 |
| Safeco Insurance Company of Illinois | 0.3434 | 12 | $34,944,229 | 2 | 8 | 4 | 1 |
| American Modern Property & Casualty Ins Co | 0.3608 | 6 | $16,630,276 | 3 | 2 | 3 | 0 |
| Nationwide Insurance Company of America | 0.3633 | 12 | $33,031,688 | 10 | 3 | 2 | 0 |
| Rockford Mutual Insurance Company | 0.3710 | 7 | $18,867,549 | 4 | 3 | 0 | 0 |
| AMCO Insurance Company | 0.3983 | 5 | $12,552,627 | 4 | 0 | 1 | 0 |
| Shelter Mutual Insurance Company | 0.4137 | 8 | $19,336,397 | 8 | 0 | 0 | 0 |
| Allstate Vehicle and Property Insurance Company | 0.4203 | 209 | $497,305,613 | 182 | 26 | 18 | 3 |
| American Strategic Insurance Corp. | 0.4284 | 20 | $46,687,639 | 16 | 2 | 3 | 0 |
| Peerless Indemnity Insurance Company | 0.4465 | 19 | $42,557,328 | 13 | 5 | 5 | 0 |
| Mercury Insurance Company of Illinois | 0.4655 | 8 | $17,184,219 | 8 | 0 | 0 | 0 |
| Trumbull Insurance Company | 0.4766 | 9 | $18,883,101 | 5 | 4 | 3 | 0 |
| Cambridge Mutual Fire Insurance Company | 0.5024 | 6 | $11,943,291 | 4 | 4 | 2 | 0 |
| State Farm Fire & Casualty Company | 0.5451 | 1211 | $2,221,802,527 | 1025 | 274 | 137 | 5 |
| Allstate Indemnity Company | 0.6089 | 59 | $96,896,333 | 52 | 10 | 4 | 1 |
| Allstate North American Insurance Company | 0.6171 | 59 | $95,602,066 | 39 | 18 | 10 | 1 |
| Auto Club Insurance Association | 0.6271 | 50 | $79,735,654 | 31 | 18 | 9 | 1 |
| Madison Mutual Insurance Company | 0.6399 | 8 | $12,502,595 | 6 | 2 | 0 | 0 |
| Lemonade Insurance Company | 0.7435 | 17 | $22,864,477 | 10 | 4 | 4 | 0 |
| MIC General Insurance Corporation | 0.7552 | 12 | $15,890,313 | 9 | 4 | 1 | 1 |
| Esurance Insurance Company | 0.8414 | 5 | $5,942,643 | 3 | 3 | 1 | 0 |
| American Bankers Insurance Company of Florida | 0.9128 | 27 | $29,580,610 | 27 | 0 | 0 | 0 |
| MemberSelect Insurance Company | 0.9509 | 18 | $18,929,340 | 17 | 3 | 2 | 0 |
| Hartford Accident & Indemnity Company | 0.9962 | 7 | $7,026,848 | 2 | 5 | 1 | 1 |
| Hartford Insurance Company of the Southeast | 1.0475 | 18 | $17,184,178 | 8 | 10 | 4 | 0 |
| Westfield Insurance Company | 1.0609 | 5 | $4,713,200 | 5 | 2 | 0 | 0 |
| Homesite Insurance Company of Illinois | 1.1855 | 17 | $14,339,681 | 14 | 3 | 0 | 0 |
| Universal Property & Casualty Insurance Company | 1.1940 | 16 | $13,400,407 | 12 | 3 | 3 | 1 |
| Founders Insurance Company | 1.4501 | 5 | $3,447,923 | 4 | 2 | 2 | 1 |
| Stillwater Property and Casualty Insurance Company | 2.2542 | 6 | $2,661,753 | 6 | 0 | 0 | 0 |
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.