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The Insurance RecordAn independent record of insurance agents and brokers — licensing, appointment, and conduct, checked against real regulation

Last reviewed: 14 October 2026

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How insurance complaint indexes and ratios work

Short answer: Regulators compare complaints against an insurer with how much business it does, so large and small companies can be compared fairly. For example, California counts justified complaints per 100,000 policies or exposures,[1] and Texas publishes counts of confirmed complaints and policies in force by company and line of coverage.[2] Each regulator's page explains its own method.

The main official measures

Who publishes itWhat it countsWhere to see it
NAIC (national)Complaint information by company; see the NAIC's own notes in the toolNAIC Consumer Insurance Search
Texas Department of Insurance"counts for confirmed complaints and policies in force by company name and line of coverage"[2]TDI complaint index dataset
California Department of Insurance"the number of justified complaints per 100,000 policies or exposures", using complaints "closed for a given year"[1]CDI Consumer Complaint Study
New York DFS (auto)Auto insurance complaint ranking; see DFS's page for its methodDFS auto complaint ranking

How to use them

1. Find the exact company named on your policy, not just the brand. 2. Open the official record (links above) for your line of insurance (auto, home, life and so on). 3. Read each source's notes on what it counts, and compare several companies.

We don't copy or rescore these figures. We link to the regulator's own page.

FAQ

Why do the numbers differ between sources?

They count different things. For example, California uses justified complaints per 100,000 policies or exposures,[1] while Texas publishes counts by company name and line of coverage.[2] Check each source's notes.

References

  1. [1] CDI, "Consumer Complaint Study", https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/index.cfm (accessed 2026-10-14).
  2. [2] TDI, "Complaint data resources", https://www.tdi.texas.gov/consumer/complaint-data.html (accessed 2026-10-14).

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