Insurer Scorecard

Michigan · Homeowners insurance · 2025

Michigan homeowners insurance complaint ratios, 2025

Complaints per $1 million of Michigan premiums for 70 homeowners 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".

USAA General Indemnity Company0.021$53,185,091
Farm Bureau Mutual Insurance Company of Michigan0.046$144,165,690
Allstate North American Insurance Company0.041$24,532,117
Privilege Underwriters Reciprocal Exchange0.051$20,513,636
Fremont Insurance Company0.078$117,435,311
Pioneer State Mutual Insurance Company0.087$88,466,030
Auto Owners Insurance Company0.0980$906,463,270
Frankenmuth Insurance Company0.0912$126,876,737
USAA Casualty Insurance Company0.094$44,690,080
Farmers Insurance Exchange0.094$43,537,620
Cincinnati Insurance Company, the0.103$29,812,783
Employers Mutual Casualty Company0.101$9,615,282
Citizens Insurance Company of the Midwest0.1141$359,847,400
United Services Automobile Association0.116$54,133,085
Fire Insurance Exchange0.116$53,151,492
Cincinnati Casualty Company, the0.123$26,041,745
Home-Owners Insurance Company0.121$8,561,299
AIG Property Casualty Company0.121$8,185,198
Teachers Insurance Company0.131$7,803,782
Standard Guaranty Insurance Company0.144$28,068,915
Allstate Insurance Company0.143$20,731,697
Nationwide Property and Casualty Insurance Company0.141$6,941,271
Foremost Insurance Company Grand Rapids, Michigan0.1517$117,087,251
Northern Mutual Insurance Company0.163$19,267,087
Garrison Property and Casualty Insurance Company0.171$5,948,688
State Farm Fire and Casualty Company0.18153$835,923,313
SAFECO Insurance Company of America0.185$27,150,172
Homesite Insurance Company of the Midwest0.1941$214,486,079
Auto Club Group Insurance Company0.1912$63,928,367
Allstate Property and Casualty Insurance Company0.196$31,668,821
Nationwide General Insurance Company0.195$26,568,091
Farm Bureau General Insurance Company of Michigan0.2051$259,380,108
Liberty Mutual Insurance Company0.201$5,075,739
Grange Insurance Company of Michigan0.201$5,001,757
Auto Club Insurance Association0.2177$361,873,381
American Economy Insurance Company0.2114$65,310,019
Wolverine Insurance Company0.212$9,397,478
Farmers and Merchants Mutual Fire Insurance Company0.211$4,809,291
Spinnaker Insurance Company0.211$4,662,145
Lyndon Southern Insurance Company0.221$4,490,975
Trumbull Insurance Company0.234$17,661,717
Truck Insurance Exchange0.231$4,354,218
American Strategic Insurance Corp.0.2434$138,851,552
American Modern Property and Casualty Insurance Company0.2512$47,988,017
Esurance Insurance Company0.251$4,074,190
Integon National Insurance Company0.251$4,065,377
Westfield Insurance Company0.262$7,801,803
Allstate Vehicle and Property Insurance Company0.2967$233,315,548
Meemic Insurance Company0.2937$127,643,795
Liberty Mutual Personal Insurance Company0.3217$52,346,839
Hastings Insurance Company0.3513$37,679,936
Foremost Property and Casualty Insurance Company0.372$5,372,479
Peerless Indemnity Insurance Company0.3911$28,367,173
Liberty Insurance Corporation0.391$2,577,455
Michigan Basic Property Ins Association0.406$14,857,416
Lemonade Insurance Company0.403$7,523,926
Hartford Insurance Company of the Southeast0.425$11,820,632
Farmers Mutual Insurance Company of Michigan0.421$2,372,934
Allstate Indemnity Company0.447$15,740,095
Property and Casualty Insurance Company of Hartford0.442$4,515,027
TravCo Insurance Company0.4511$24,659,618
Atlantic States Insurance Company0.541$1,847,683
Accelerant Specialty Insurance Company0.561$1,786,816
Farmers Group Property and Casualty Insurance Company0.587$12,020,260
LM Insurance Corporation0.602$3,347,601
American Bankers Insurance Company of Florida0.6110$16,498,887
Universal Property & Casualty Insurance Company0.6918$26,017,163
Great Lakes Mutual Insurance Company0.702$2,842,427
Travelers Indemnity Company of America, the0.841$1,196,737
Armed Forces Insurance Exchange2.663$1,128,994

Other years: 2023, 2024

Sources

  1. 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.