Michigan · Auto insurance · 2023

Michigan auto insurance complaint ratios, 2023

Complaints per $1 million of Michigan premiums for 85 auto insurers with at least $1 million of premiums in 2023, from the Department of Insurance and Financial Services. Lowest ratio first.

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".


Cincinnati Insurance Company, the	0.02	1	$44,745,229
Great West Casualty Company	0.03	1	$39,769,661
Frankenmuth Insurance Company	0.04	9	$211,008,387
Auto Owners Insurance Company	0.05	62	$1,246,227,192
Fremont Insurance Company	0.05	8	$167,410,959
Zurich American Insurance Company	0.05	2	$43,612,095
Farm Bureau General Insurance Company of Michigan	0.06	27	$433,139,574
Liberty Surplus Insurance Corporation	0.06	3	$54,096,865
Citizens Insurance Company of the Midwest	0.07	45	$637,169,183
Pioneer State Mutual Insurance Company	0.07	11	$165,903,164
Michigan Automobile Insurance Placement Facility	0.07	1	$13,919,510
Arch Insurance Company	0.07	1	$13,891,159
Meemic Insurance Company	0.08	22	$285,349,139
Auto Club Group Insurance Company	0.08	14	$169,187,982
Hastings Insurance Company	0.08	5	$62,776,686
Federated Mutual Insurance Company	0.08	1	$13,005,807
Westfield Insurance Company	0.08	1	$12,140,674
USAA Casualty Insurance Company	0.09	18	$194,576,467
Allstate Property and Casualty Insurance Company	0.09	9	$95,092,753
United Services Automobile Association	0.09	7	$80,975,221
Michigan Insurance Company	0.09	5	$54,268,570
Travelers Property Casualty Company of America	0.09	1	$11,410,140
Grange Insurance Company of Michigan	0.10	1	$9,840,521
State Farm Mutual Automobile Insurance Company	0.11	214	$1,877,061,290
Sentry Insurance Company	0.11	1	$9,186,175
Memberselect Insurance Company	0.12	93	$801,902,114
Philadelphia Indemnity Insurance Company	0.12	2	$16,437,717
Truck Insurance Exchange	0.14	3	$21,775,541
American Family Connect Property and Casualty Insurance Company	0.14	2	$14,672,245
Progressive Michigan Insurance Company	0.15	122	$840,507,196
Allstate Fire and Casualty Insurance Company	0.15	57	$392,839,825
Safeco Insurance Company of Illinois	0.15	7	$47,353,190
Essentia Insurance Company	0.16	5	$31,751,122
Horace Mann Property & Casualty Insurance Company	0.16	2	$12,704,223
Protective Insurance Company	0.16	1	$6,229,430
Property and Casualty Insurance Company of Hartford	0.18	2	$11,011,794
Hudson Insurance Company	0.18	1	$5,558,045
Secura Supreme Insurance Company	0.18	1	$5,469,891
Progressive Marathon Insurance Company	0.20	284	$1,386,435,466
American Economy Insurance Company	0.20	25	$123,196,958
Trumbull Insurance Company	0.21	11	$52,623,003
Farm Bureau Mutual Insurance Company of Michigan	0.22	17	$76,728,592
Titan Insurance Company	0.22	10	$44,842,369
Amica Mutual Insurance Company	0.22	3	$13,585,080
American Select Insurance Company	0.23	8	$34,099,850
Amerisure Mutual Insurance Company	0.24	2	$8,282,199
USA Underwriters Insurance Company	0.25	9	$35,530,072
ACE American Insurance Company	0.26	2	$7,671,304
Farmers Insurance Exchange	0.27	24	$87,459,748
LM General Insurance Company	0.29	19	$65,768,699
Amerisure Insurance Company	0.29	2	$6,885,735
Lancer Insurance Company	0.31	1	$3,259,141
GEICO Indemnity Company	0.33	21	$62,687,460
GEICO General Insurance Company	0.33	3	$8,985,417
LM Insurance Corporation	0.34	2	$5,801,046
Farmers Group Property and Casualty Insurance Company	0.35	13	$36,840,226
Travelers Indemnity Company of America, the	0.35	2	$5,780,295
National Liability & Fire Insurance Company	0.35	1	$2,822,086
Ohio Security Insurance Company	0.35	1	$2,817,500
MIC General Insurance Corporation	0.36	4	$11,263,601
Integon National Insurance Company	0.39	6	$15,515,021
Hartford Accident and Indemnity Company	0.39	1	$2,575,736
Bristol West Preferred Insurance Company	0.42	20	$47,510,884
Liberty Mutual Personal Insurance Company	0.44	62	$140,337,041
National General Insurance Company	0.45	12	$26,543,192
State Auto Property & Casualty Insurance Company	0.45	8	$17,934,439
Esurance Property and Casualty Insurance Company	0.47	46	$98,475,564
Liberty Mutual Fire Insurance Company	0.48	7	$14,459,532
Farmers Direct Property and Casualty Insurance Company	0.52	1	$1,919,250
Allstate Insurance Company	0.55	13	$23,776,291
Valley Forge Insurance Company	0.57	2	$3,520,739
Farmers Property and Casualty Insurance Company	0.57	1	$1,763,798
Government Employees Insurance Company	0.61	25	$41,281,152
Allied Property and Casualty Insurance Company	0.61	1	$1,639,947
Fcci Insurance Company	0.61	1	$1,639,226
Ohio Farmers Insurance Company	0.62	1	$1,625,682
United States Fire Insurance Company	0.68	2	$2,926,646
Great Divide Insurance Company	0.76	1	$1,317,133
Occidental Fire & Casualty Company of North Carolina	0.80	1	$1,242,835
Falls Lake National Insurance Company	0.91	2	$2,200,773
Everest National Insurance Company	1.03	2	$1,949,562
Auto Club Insurance Association	1.15	21	$18,326,222
Citizens United Reciprocal Exchange	1.76	150	$85,091,304
State Farm Fire and Casualty Company	2.05	4	$1,950,041
Home-Owners Insurance Company	2.71	25	$9,213,785

Other years: 2024, 2025

Sources

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.