Insurance Complaint Data in Plain English

Platform Statistics

• Total Complaints Tracked: 320,452
• Insurance Companies: 17,515

Insurance Decision Cockpit

Start with the decision you are making: compare an insurer, inspect a product line, check state complaint patterns, or cross-check shopping signals before you buy or renew.

• Compare insurers by complaint ratios, risk scores, and recent DOI records.
• Choose a coverage type such as health, homeowners, auto, life, renters, or commercial insurance.
• Check your state for local complaint volume and state-specific insurer patterns.
• Shop with checks by pairing quotes with complaint history, reviews, and financial strength.

Most Complained-About Insurance Companies

Ranked by total complaint volume from NAIC and state DOI data:

1. BLUE CROSS AND BLUE SHIELD OF TEXAS, A DIVISION OF HEALTH CARE SERVICE CORPORATION — 24,986 complaints (NAIC ratio: 3.34) | Risk Score: 88/100
2. UNITEDHEALTHCARE INSURANCE COMPANY — 19,664 complaints (NAIC ratio: 6.63) | Risk Score: 88/100
3. AETNA LIFE INSURANCE COMPANY — 11,606 complaints (NAIC ratio: 65.82) | Risk Score: 85/100
4. PROGRESSIVE COUNTY MUTUAL INSURANCE COMPANY — 9,626 complaints (NAIC ratio: 0.67) | Risk Score: 56/100
5. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY — 9,582 complaints (NAIC ratio: 0.1) | Risk Score: 45/100
6. OLD AMERICAN COUNTY MUTUAL FIRE INSURANCE COMPANY — 6,557 complaints (NAIC ratio: 2.38) | Risk Score: 86/100
7. ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY — 6,416 complaints (NAIC ratio: 0.32) | Risk Score: 48/100
8. UNITED HEALTHCARE SERVICES, INC. — 5,740 complaints | Risk Score: 51/100
9. CIGNA HEALTH AND LIFE INSURANCE COMPANY — 5,146 complaints (NAIC ratio: 2.67) | Risk Score: 88/100
10. STATE FARM LLOYDS — 5,005 complaints (NAIC ratio: 1.21) | Risk Score: 67/100
11. HOME STATE COUNTY MUTUAL INSURANCE COMPANY — 4,926 complaints (NAIC ratio: 2.06) | Risk Score: 80/100
12. HUMANA INSURANCE COMPANY — 4,206 complaints (NAIC ratio: 2.14) | Risk Score: 83/100
13. GEICO COUNTY MUTUAL INSURANCE COMPANY — 3,995 complaints (NAIC ratio: 0.99) | Risk Score: 60/100
14. Country-Wide Insurance Company — 3,921 complaints (NAIC ratio: 0.34) | Risk Score: 48/100
15. ALLSTATE VEHICLE AND PROPERTY INSURANCE COMPANY — 3,700 complaints (NAIC ratio: 1.65) | Risk Score: 74/100
16. LOYA INSURANCE COMPANY — 3,537 complaints (NAIC ratio: 6.94) | Risk Score: 92/100
17. Redpoint County Mutual Insurance Company — 3,376 complaints (NAIC ratio: 1.45) | Risk Score: 70/100
18. HUMANA HEALTH PLAN OF TEXAS, INC. — 3,200 complaints (NAIC ratio: 10.98) | Risk Score: 94/100
19. Anthem Health Plans, Inc — 3,071 complaints | Risk Score: 50/100
20. LIBERTY COUNTY MUTUAL INSURANCE COMPANY — 2,738 complaints (NAIC ratio: 1) | Risk Score: 62/100

Browse by Insurance Type

• Auto Insurance Complaints
• Homeowners Complaints
• Health Insurance Complaints
• Life Insurance Complaints
• Renters Complaints
• Commercial Complaints
• Disability Complaints
• Travel Complaints

Browse Insurance Complaints

• Search All Complaints
• Browse by Coverage Type — Auto, Home, Health, Life, Disability
• Browse by State — See complaint patterns in your state

Understanding the NAIC Complaint Ratio

The National Association of Insurance Commissioners (NAIC) Complaint Ratio is one of the most important metrics for evaluating an insurance company's consumer track record. This ratio compares the number of complaints an insurer receives against its market share. A complaint ratio of 1.00 means the insurer receives exactly the number of complaints expected for a company of its size. A ratio above 1.00 indicates the insurer receives more complaints than its market share would predict, suggesting potential issues with customer service, claims handling, or policy administration. Conversely, a ratio below 1.00 means fewer complaints relative to market share, which generally indicates better-than-average consumer satisfaction.

When evaluating an insurance company, the complaint ratio is more meaningful than raw complaint counts. A large insurer like State Farm or GEICO will naturally have more total complaints simply because they insure more people. The complaint ratio normalizes for company size, making it possible to compare a regional insurer with 1,000 policyholders against a national carrier with millions. This is why InsuranceComplaintCheck prominently displays complaint ratios alongside total complaint counts for every insurer we track.

How Insurance Complaints Work

When consumers have unresolved disputes with their insurance companies, they can file formal complaints with their state Department of Insurance (DOI). Each state has its own DOI that regulates insurers operating within its borders, investigates consumer complaints, and enforces insurance laws. The complaint process typically begins when a policyholder contacts the DOI — either online, by phone, or by mail — and provides details about the dispute, including policy information, correspondence with the insurer, and a description of the issue.

Once filed, the state DOI reviews the complaint and contacts the insurer for a response. Insurers are typically required to respond within 15 to 30 days, depending on state regulations. The DOI then evaluates whether the insurer acted in accordance with the policy terms and applicable state insurance laws. While the DOI cannot order an insurer to pay a claim or change a coverage decision, it can identify regulatory violations and take enforcement action against companies that engage in unfair or deceptive practices.

Common reasons consumers file insurance complaints include claim denials, delayed payments, premium increases, unfair settlement offers, policy cancellations, coverage disputes, and misleading sales practices. Each of these complaint types has specific consumer protections under state law, and the DOI complaint process creates an official record that can support the consumer's case if further action is needed.

Types of Insurance Coverage We Track

Auto Insurance: Auto insurance complaints are among the most common in our database. Consumers frequently report issues with claim denials after accidents, lowball settlement offers for vehicle repairs or total losses, delays in processing claims, and disputes over fault determinations. Uninsured and underinsured motorist claims, personal injury protection (PIP) disputes, and premium increases after accidents are also frequently reported. Understanding complaint patterns for auto insurers can help consumers choose companies with better track records for handling the claims that matter most.

Homeowners Insurance: Homeowners insurance complaints often spike after natural disasters, when insurers process high volumes of claims simultaneously. Common complaint themes include disputes over covered versus excluded perils, disagreements about repair costs, delays in adjusting claims, and issues with contractor networks mandated by insurers. Consumers also report problems with policy non-renewals after filing claims and premium increases in disaster-prone areas. Our data helps homeowners identify which insurers handle property claims most fairly.

Health Insurance: Health insurance generates some of the most complex and consequential complaints in our database. Prior authorization denials, out-of-network billing disputes, prescription drug coverage gaps, and mental health parity violations are among the most frequent issues. The Affordable Care Act established new consumer protections, but disputes over essential health benefits, preventive care coverage, and network adequacy continue to drive complaints. Many consumers are unaware of their right to external review of coverage denials, which our complaint analyses explain in detail.

Life Insurance: Life insurance complaints typically involve beneficiary disputes, delays in death benefit payments, cash value disagreements, misleading sales practices, and policy lapse issues. Term life and whole life policies generate different types of complaints, with whole life policies more likely to involve cash value and surrender charge disputes. Our AI analysis helps consumers understand the specific issues other policyholders have experienced with each insurer.

Disability Insurance: Disability insurance complaints can have life-changing consequences, as policyholders who are denied benefits may be unable to work and facing financial hardship. Common complaints include benefit denials, termination of long-term disability payments, disputes over the definition of disability (own-occupation versus any-occupation), and delays in claim processing. Disability claims are among the most frequently litigated insurance disputes.

How to Use InsuranceComplaintCheck

InsuranceComplaintCheck provides several ways to research insurance company complaint records. You can search by insurer name to see a complete complaint profile, including NAIC complaint ratio, AI risk score, complaint breakdowns by type and state, red flags, and consumer tips. You can browse by insurance type to see which insurers have the most complaints in specific coverage categories. And you can browse by state to understand complaint patterns in your area, including which insurers generate the most complaints and what types of issues are most common.

Each insurer profile includes an AI-generated risk assessment that synthesizes complaint data into a plain-English analysis. Our risk scores consider factors like complaint volume relative to market share, the severity of complaint types, resolution outcomes, and trend direction. While these scores are algorithmic and should not be the sole basis for insurance decisions, they provide a useful starting point for understanding an insurer's consumer track record.

Individual complaint pages include detailed information about the dispute, consumer advice specific to the complaint type, state regulatory information, coverage context, and frequently asked questions. We also identify related complaints so you can see whether your issue is an isolated incident or part of a broader pattern with the insurer.

Tips for Choosing an Insurance Company

While complaint data is an important factor in choosing an insurance company, it should be considered alongside other factors such as coverage options, pricing, financial strength ratings (from AM Best, Moody's, or S&P), and the quality of the agent or broker relationship. Here are some practical tips for using complaint data effectively:

• Focus on complaint ratios, not raw counts: Larger companies will always have more complaints. The NAIC complaint ratio normalizes for company size and is a fairer comparison metric.
• Look at complaint types: An insurer with mostly billing complaints may be preferable to one with many claim denial complaints, since billing issues are typically easier to resolve.
• Check state-specific data: Insurers may have different complaint records in different states due to varying regulations, local management, and claims handling practices.
• Review trend direction: An insurer whose complaint ratio is improving over time may be investing in better customer service, while a deteriorating ratio could signal emerging problems.
• Read individual complaints: Aggregate data tells one story, but reading specific complaints can reveal whether the issues are relevant to your situation.

About Our Data and Methodology

InsuranceComplaintCheck sources complaint data from the NAIC Consumer Information Source and state Department of Insurance databases. We process and enrich this data using artificial intelligence to generate plain-English summaries, risk assessments, and consumer advice. Our database is updated regularly to reflect new complaints and resolution outcomes. For more details about our methodology and data sources, visit our About page.