Michigan · Homeowners insurance · 2024

Michigan homeowners insurance complaint ratios, 2024

Complaints per $1 million of Michigan premiums for 66 homeowners insurers with at least $1 million of premiums in 2024, 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".


United Services Automobile Association	0.04	2	$52,273,103
American Select Insurance Company	0.05	1	$19,713,296
Privilege Underwriters Reciprocal Exchange	0.06	1	$17,914,695
Northern Mutual Insurance Company	0.06	1	$17,738,366
Farm Bureau Mutual Insurance Company of Michigan	0.07	9	$122,365,984
Standard Guaranty Insurance Company	0.07	2	$27,642,828
Michigan Insurance Company	0.07	1	$13,510,377
Foremost Insurance Company Grand Rapids, Michigan	0.08	8	$105,597,515
Liberty Mutual Fire Insurance Company	0.08	1	$12,019,096
Farmers Insurance Exchange	0.09	4	$46,075,220
SAFECO Insurance Company of America	0.09	3	$32,347,821
Auto Owners Insurance Company	0.10	72	$745,145,555
Frankenmuth Insurance Company	0.10	12	$121,965,576
Citizens Insurance Company of the Midwest	0.11	37	$345,817,853
Hastings Insurance Company	0.11	4	$36,120,909
Fremont Insurance Company	0.12	13	$104,923,273
Michigan Basic Property Ins Association	0.14	2	$13,850,464
American Modern Property and Casualty Insurance Company	0.15	6	$39,877,405
Depositors Insurance Company	0.15	1	$6,793,766
USAA Casualty Insurance Company	0.16	11	$68,727,477
Trumbull Insurance Company	0.16	3	$19,055,619
Meemic Insurance Company	0.17	19	$114,415,832
Auto Club Group Insurance Company	0.18	12	$65,777,299
American Economy Insurance Company	0.19	12	$64,615,608
Allstate Property and Casualty Insurance Company	0.19	6	$32,310,433
Farm Bureau General Insurance Company of Michigan	0.20	47	$237,279,211
Property and Casualty Insurance Company of Hartford	0.21	1	$4,838,488
Third Coast Insurance Company	0.22	1	$4,498,321
Esurance Insurance Company	0.22	1	$4,472,364
State Farm Fire and Casualty Company	0.24	179	$736,015,724
Auto Club Insurance Association	0.24	49	$203,684,495
Pioneer State Mutual Insurance Company	0.24	23	$95,166,039
LM Insurance Corporation	0.24	1	$4,130,266
Farmers Property and Casualty Insurance Company	0.26	1	$3,776,638
American Strategic Insurance Corp.	0.27	36	$134,847,054
Nationwide General Insurance Company	0.27	7	$25,805,500
Allstate Insurance Company	0.27	6	$22,206,187
Peerless Indemnity Insurance Company	0.27	5	$18,546,442
Nationwide Property and Casualty Insurance Company	0.27	2	$7,288,179
Liberty Mutual Personal Insurance Company	0.28	19	$66,956,561
Hartford Insurance Company of the Southeast	0.29	2	$6,788,230
Wolverine Insurance Company	0.30	3	$10,158,490
American Modern Home Insurance Company	0.30	1	$3,286,420
Central Insurance Company	0.31	1	$3,175,915
Allstate Vehicle and Property Insurance Company	0.33	66	$202,169,378
Homesite Insurance Company of the Midwest	0.34	63	$186,987,641
Fire Insurance Exchange	0.34	11	$32,687,836
Memberselect Insurance Company	0.37	49	$133,112,575
Tower Hill Prime Insurance Company	0.37	1	$2,707,607
Universal Property & Casualty Insurance Company	0.38	7	$18,297,086
Farmers Group Property and Casualty Insurance Company	0.39	6	$15,492,747
Liberty Insurance Corporation	0.40	1	$2,471,682
Farmers Mutual Insurance Company of Michigan	0.44	1	$2,283,751
Spinnaker Insurance Company	0.47	2	$4,256,168
State Automobile Mutual Insurance Company	0.50	2	$4,003,635
Foremost Property and Casualty Insurance Company	0.51	3	$5,926,019
Lemonade Insurance Company	0.53	4	$7,490,488
Allstate Indemnity Company	0.67	11	$16,500,028
TravCo Insurance Company	0.70	15	$21,491,215
American Bankers Insurance Company of Florida	0.76	11	$14,476,213
AmGUARD Insurance Company	0.76	9	$11,911,179
Great Lakes Mutual Insurance Company	0.76	2	$2,630,342
American Family Connect Property and Casualty Insurance Company	0.87	2	$2,294,259
Homesite Insurance Company	1.14	2	$1,755,075
Liberty Mutual Insurance Company	1.27	6	$4,706,068
Truck Insurance Exchange	1.35	4	$2,961,023

Other years: 2023, 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.