Michigan · Auto insurance · 2025

Michigan auto insurance complaint ratios, 2025

Complaints per $1 million of Michigan premiums for 94 auto insurers with at least $1 million of premiums in 2025, 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".


Great West Casualty Company	0.02	1	$47,980,590
Fremont Insurance Company	0.03	6	$209,549,897
Pioneer State Mutual Insurance Company	0.03	4	$130,372,580
Cincinnati Casualty Company, the	0.03	1	$35,290,806
Auto Owners Insurance Company	0.04	73	$1,657,582,652
Farm Bureau Mutual Insurance Company of Michigan	0.04	4	$97,580,493
Cherokee Insurance Company	0.04	2	$53,975,223
Allmerica Financial Benefit Insurance Company	0.04	1	$23,015,620
Zurich American Insurance Company	0.05	3	$61,214,272
Cincinnati Insurance Company, the	0.05	2	$44,211,951
Northern Mutual Insurance Company	0.05	1	$19,449,753
Frankenmuth Insurance Company	0.06	14	$249,538,440
Michigan Insurance Company	0.06	3	$49,549,327
Secura Insurance Company	0.06	2	$35,385,424
Old Republic Insurance Company	0.06	2	$35,117,835
SAFECO Insurance Company of America	0.06	2	$34,122,199
Wolverine Insurance Company	0.06	1	$15,864,368
Farm Bureau General Insurance Company of Michigan	0.07	43	$578,542,414
Hartford Fire Insurance Company	0.07	1	$15,204,612
Emcasco Insurance Company	0.07	1	$14,606,701
Amica Mutual Insurance Company	0.07	1	$14,436,946
Citizens Insurance Company of the Midwest	0.08	54	$643,021,008
United Services Automobile Association	0.08	7	$92,897,478
Allstate Property and Casualty Insurance Company	0.08	7	$82,553,994
Liberty Surplus Insurance Corporation	0.08	6	$73,616,698
Essentia Insurance Company	0.08	3	$38,285,548
Michigan Millers Mutual Insurance Company	0.08	2	$26,657,444
National Indemnity Company	0.08	1	$12,446,367
Progressive Michigan Insurance Company	0.09	88	$968,481,527
Auto Club Group Insurance Company	0.09	13	$143,503,737
Trumbull Insurance Company	0.09	4	$46,922,881
National Union Fire Insurance Company of Pittsburgh, Pa.	0.09	2	$23,427,729
Sentry Insurance Company	0.09	1	$11,297,873
Central Insurance Company	0.09	1	$11,185,855
Hastings Insurance Company	0.10	7	$73,430,322
Titan Insurance Company	0.10	3	$30,856,036
Incline Casualty Company	0.10	2	$20,929,588
U.S. Specialty Insurance Company	0.10	1	$10,453,521
Westfield Insurance Company	0.10	1	$9,990,894
State Farm Mutual Automobile Insurance Company	0.11	216	$1,985,541,936
USAA Casualty Insurance Company	0.11	26	$236,896,345
Truck Insurance Exchange	0.11	10	$94,152,362
Property and Casualty Insurance Company of Hartford	0.11	1	$9,066,984
Amerisure Mutual Insurance Company	0.11	1	$8,795,195
Selective Way Insurance Company	0.12	2	$16,655,015
Memberselect Insurance Company	0.13	132	$1,031,497,944
Allstate Fire and Casualty Insurance Company	0.13	64	$475,438,248
Philadelphia Indemnity Insurance Company	0.13	3	$23,063,627
American Economy Insurance Company	0.15	12	$82,063,760
Carolina Casualty Insurance Company	0.15	1	$6,471,991
Progressive Marathon Insurance Company	0.16	271	$1,716,509,102
Meemic Insurance Company	0.17	60	$348,545,649
National General Insurance Online, Inc.	0.18	5	$27,857,135
Michigan Automobile Insurance Placement Facility	0.18	3	$16,886,216
Safeco Insurance Company of Illinois	0.20	5	$25,568,440
Empire Fire and Marine Insurance Company	0.20	1	$4,923,844
Selective Insurance Company of America	0.21	2	$9,741,195
Farmers Insurance Exchange	0.22	14	$63,233,405
American Family Connect Property and Casualty Insurance Company	0.22	3	$13,389,206
Continental Casualty Company	0.22	1	$4,450,018
LM General Insurance Company	0.23	8	$35,359,787
State Automobile Mutual Insurance Company	0.24	1	$4,209,201
Liberty Mutual Personal Insurance Company	0.25	40	$162,042,484
ACE American Insurance Company	0.25	2	$7,901,421
United States Fire Insurance Company	0.25	1	$3,967,145
National General Insurance Company	0.26	22	$85,092,269
American Family Home Insurance Company	0.26	1	$3,805,091
USA Underwriters Insurance Company	0.27	9	$33,326,560
American Select Insurance Company	0.27	6	$22,379,202
Liberty Mutual Fire Insurance Company	0.27	3	$10,946,565
Amerisure Insurance Company	0.27	2	$7,292,048
American Modern Property and Casualty Insurance Company	0.27	1	$3,746,322
Esurance Property and Casualty Insurance Company	0.28	16	$57,102,913
Home-Owners Insurance Company	0.28	4	$14,108,503
Grange Insurance Company of Michigan	0.29	3	$10,306,611
Farmers Group Property and Casualty Insurance Company	0.30	10	$32,970,409
Bristol West Preferred Insurance Company	0.40	51	$128,533,813
Travelers Indemnity Company of America, the	0.41	3	$7,262,364
Third Coast Insurance Company	0.42	1	$2,387,380
Motorists Mutual Insurance Company	0.44	1	$2,276,010
Government Employees Insurance Company	0.46	45	$98,840,976
GEICO Indemnity Company	0.47	19	$40,587,513
Hartford Insurance Company of the Southeast	0.47	15	$32,152,348
AmGUARD Insurance Company	0.48	1	$2,096,475
Hartford Accident and Indemnity Company	0.52	1	$1,908,383
Repwest Insurance Company	0.53	2	$3,753,076
GEICO General Insurance Company	0.61	13	$21,411,699
Berkshire Hathaway Direct Insurance Company	0.67	1	$1,493,963
State Farm Fire and Casualty Company	1.34	3	$2,244,149
Farmers Direct Property and Casualty Insurance Company	1.43	2	$1,395,221
Auto Club Insurance Association	1.45	23	$15,891,601
Allstate Insurance Company	1.78	15	$8,408,774
Citizens United Reciprocal Exchange	1.84	189	$102,967,412
Nationwide Insurance Company of America	1.84	2	$1,088,345

Other years: 2023, 2024

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.