Is Your Insurer Getting Complaints?
Look up any U.S. insurer's complaint ratio, claim denial rate, and reputation grade — drawn from NAIC Market Conduct Annual Statement data and CMS Transparency in Coverage filings.
Insurance made plain: Compare rates, decode jargon, uncover hidden fees in everyday language.
Insurance company complaint ratios, claim denial rates, and reputation grades — free, public data from NAIC and CMS.
229 insurers across 51 states
How Insurers Are Graded
Reputation grade B (composite score 35.0) — A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.
Our A–F grading system combines NAIC complaint ratios, CMS claim denial data, and Medicare Advantage prior authorization records. See methodology →
Highest Complaint Insurers
View all rankings →SafeAuto (Kemper)
FKemper
Infinity P&C (Kemper)
FKemper
Direct General (Allstate)
FAllstate
Root Insurance
FRoot
Gainsco Insurance
FGainsco
Universal Property & Casualty
FUniversal Insurance
Browse by Line of Business
Insurance Guides
Understanding Complaint Ratios
What NAIC data reveals about your insurer
Evaluate Health Insurers
Using government data beyond star ratings
Claim Denial Rates Explained
Why rates vary and what it means for you
How to Appeal a Claim Denial
Step-by-step process for fighting denials
Choosing Auto Insurance
Data-driven approach to auto coverage
Auto Insurance Rates by State
NAIC 2023 — average premiums & expenditures for all 51 states
Browse by State
All states →Find insurers by state and see complaint data for your region.
View all 51 states →Medicare Advantage Prior Auth
See which Medicare Advantage plans have the highest prior authorization denial rates — a major barrier to care access.
View PA Scorecard (37 plans) →Prior authorization requires pre-approval before certain treatments or drugs. High denial rates can delay or block necessary care. CMS data shows significant variation across plans.
Frequently Asked Questions
What is a complaint ratio?
A complaint ratio measures the number of justified complaints filed against an insurer per $1 million in earned premiums. A ratio above 1.0 indicates more complaints than average; a ratio below 1.0 is better than average.
Where does this data come from?
Data comes from the National Association of Insurance Commissioners (NAIC) Market Conduct Annual Statement (MCAS) 2024, the CMS Transparency in Coverage PUF PY2025, and CMS Medicare Advantage analysis. All are public domain sources.
What do the letter grades mean?
Grades (A–F) reflect a composite score combining complaint ratios, claim denial rates, and prior authorization data. A = excellent (few complaints, low denials), F = poor (high complaints, high denials). The grade is a relative ranking across the insurer population, not a legal certification.
Is a high complaint ratio illegal?
No. A high complaint ratio is a signal worth investigating, not proof of wrongdoing. Large insurers naturally receive more complaints due to volume. The complaint ratio normalizes by premium size, but other factors — like the complexity of claims or state-specific regulations — also influence complaint rates.
Live Data Products
Every page renders directly from current NAIC and CMS data — no curated narrative layer that could drift from the underlying datasets. See methodology.
Insurer Directory
Per-insurer profiles with current complaint ratios, lines of business, and state footprints from NAIC MCAS reports.
Live DataAuto Insurance Rates
State-level auto premium aggregations from NAIC's annual Auto Insurance Database Report.
Live DataMedicare Advantage
CMS Medicare Advantage enrollment and plan landscape by carrier and county.