Michigan · Homeowners insurance · 2023

Michigan homeowners insurance complaint ratios, 2023

Complaints per $1 million of Michigan premiums for 72 homeowners 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".


Foremost Insurance Company Grand Rapids, Michigan	0.04	4	$94,998,224
Cincinnati Insurance Company, the	0.04	1	$27,581,777
Zurich American Insurance Company	0.04	1	$23,923,306
Farm Bureau Mutual Insurance Company of Michigan	0.06	6	$100,030,664
Northern Mutual Insurance Company	0.07	1	$14,349,590
Michigan Insurance Company	0.07	1	$13,573,176
SAFECO Insurance Company of America	0.08	3	$35,791,514
Amica Mutual Insurance Company	0.08	1	$11,888,072
Citizens Insurance Company of the Midwest	0.09	29	$335,608,131
Standard Guaranty Insurance Company	0.09	2	$22,104,358
Auto Owners Insurance Company	0.10	64	$626,390,883
Pioneer State Mutual Insurance Company	0.10	9	$93,766,267
Fremont Insurance Company	0.10	9	$87,048,202
United Services Automobile Association	0.10	5	$48,327,321
Frankenmuth Insurance Company	0.11	12	$104,715,781
USAA Casualty Insurance Company	0.11	9	$85,580,439
American Select Insurance Company	0.11	2	$18,942,044
Home-Owners Insurance Company	0.12	1	$8,331,771
State Auto Property & Casualty Insurance Company	0.13	4	$31,548,867
Depositors Insurance Company	0.13	1	$7,681,769
Meemic Insurance Company	0.14	15	$106,309,759
Farmers Insurance Exchange	0.15	7	$47,658,341
Farm Bureau General Insurance Company of Michigan	0.17	34	$204,577,159
Michigan Basic Property Ins Association	0.17	2	$11,814,887
National Fire & Marine Insurance Company	0.17	1	$5,842,631
Peerless Indemnity Insurance Company	0.18	2	$11,417,339
American Economy Insurance Company	0.19	12	$64,023,473
Hastings Insurance Company	0.19	7	$37,652,542
Liberty Mutual Fire Insurance Company	0.19	3	$15,632,638
Auto Club Group Insurance Company	0.20	13	$63,427,659
State Automobile Mutual Insurance Company	0.20	1	$5,126,718
Grange Insurance Company of Michigan	0.20	1	$4,905,707
American Strategic Insurance Corp.	0.22	24	$107,111,943
Liberty Mutual Personal Insurance Company	0.22	16	$74,293,595
American Family Connect Property and Casualty Insurance Company	0.22	3	$13,431,944
Allstate Property and Casualty Insurance Company	0.23	8	$34,120,638
Farmers and Merchants Mutual Fire Insurance Company	0.23	1	$4,277,617
Homesite Insurance Company of the Midwest	0.24	36	$151,204,391
LM Insurance Corporation	0.24	1	$4,239,967
Memberselect Insurance Company	0.25	37	$146,750,588
Auto Club Insurance Association	0.25	33	$130,658,362
American Modern Property and Casualty Insurance Company	0.25	8	$32,097,644
State Farm Fire and Casualty Company	0.26	163	$633,553,285
Liberty Mutual Insurance Company	0.26	1	$3,821,975
Nationwide General Insurance Company	0.27	8	$29,127,991
Fire Insurance Exchange	0.28	5	$18,128,511
Wolverine Insurance Company	0.29	3	$10,267,701
AmGUARD Insurance Company	0.31	5	$16,180,400
Allstate Vehicle and Property Insurance Company	0.32	53	$167,756,424
American Bankers Insurance Company of Florida	0.34	4	$11,912,628
Teachers Insurance Company	0.35	2	$5,714,667
Allstate Indemnity Company	0.36	6	$16,870,966
Foremost Property and Casualty Insurance Company	0.37	2	$5,430,396
Property and Casualty Insurance Company of Hartford	0.41	2	$4,904,068
Allstate Insurance Company	0.42	10	$23,783,933
Trumbull Insurance Company	0.45	9	$20,026,489
Farmers Mutual Insurance Company of Michigan	0.46	1	$2,158,164
Hartford Insurance Company of the Midwest	0.47	2	$4,250,460
Century-National Insurance Company	0.51	1	$1,951,504
Spinnaker Insurance Company	0.57	2	$3,528,362
Farmers Group Property and Casualty Insurance Company	0.59	10	$16,945,874
Citizens Insurance Company of America	0.61	4	$6,542,071
Homesite Insurance Company	0.63	3	$4,787,591
Lemonade Insurance Company	0.72	5	$6,919,397
TravCo Insurance Company	0.76	13	$17,038,251
Universal Property & Casualty Insurance Company	0.78	6	$7,708,224
Esurance Insurance Company	0.81	4	$4,932,056
Integon National Insurance Company	0.82	4	$4,902,967
Farmers Property and Casualty Insurance Company	0.87	2	$2,300,315
Liberty Insurance Corporation	1.25	3	$2,393,896
United Casualty Insurance Company of America	1.88	2	$1,063,693
Armed Forces Insurance Exchange	2.83	3	$1,061,520

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.