NAIC MCAS 2024 Grade F 38 states

Hippo Insurance

Hippo Insurance: 987 justified complaints across 38 states (NAIC MCAS 2024). Reputation grade F.

Part of Hippo

NAIC Code: 15702

F

Reputation grade F (composite score 6.4) — A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

FFF
Reputation grade F (composite score 6.4) — A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

Poor — significantly above-average complaints and/or denials

What This Grade Means for You

Hippo Insurance has a significantly above-average complaint record relative to its market share. This is the lowest grade in the PlainInsurer scoring system, indicating persistent issues with claims handling, customer service, or denial practices. Consumers should carefully weigh alternatives and review the specific complaint categories before purchasing coverage from Hippo Insurance.

Hippo Insurance's composite score of 6.4 is derived from complaint ratios and operational data across 38 states. Scores below 30 reflect strong consumer satisfaction metrics.

Data note: This data reflects complaints filed with state insurance departments and regulatory filings. A high complaint ratio does not necessarily indicate illegal behavior. Large insurers receive more complaints by volume; complaint ratios normalize by premium size. Always verify coverage decisions with your insurer or a licensed agent. This page is informational and does not constitute financial, legal, or insurance advice.

Hippo Insurance appears in PlainInsurer's regulatory database with 987 justified complaints on file across 38 states under NAIC code 15702, operating as part of Hippo. The company's composite score of 6.4 translates to a reputation grade of F — this score combines NAIC complaint ratios, available CMS claim denial data, and Medicare Advantage prior authorization metrics where applicable. Lower composite scores indicate fewer consumer problems relative to company size; higher scores indicate more.

Looking at business mix, Hippo Insurance reports activity in 1 line of business (Home Insurance). Its complaint score of 6.4 — normalized by premium volume — is what regulators and consumer-protection groups use to compare insurers fairly across different company sizes.

For consumers evaluating Hippo Insurance, the practical implication is this: complaint ratio and denial data give a comparative view of how this insurer treats policyholders relative to peers, but they cannot predict your individual claim experience. The current F grade signals above-average consumer friction at Hippo Insurance — review the state-by-state breakdown below and compare against peer insurers before committing to a policy. This page is not financial, legal, or insurance advice — verify all coverage terms with a licensed agent and consult your state's Department of Insurance for dispute or complaint procedures.

Total Complaints
987
38 states
Complaint Score 6.40 +540% vs. avg
Composite Score
6.4
Higher = more complaints

Complaint Score

6.4 of 100

Normalized by premium volume across 38 states

Below avg

Claim Denial Score

N/A of 100

Not yet available for this insurer

States Active

38 states

NAIC Code: 15702

Consumer Risk Level 6.4%
National median

Composite score of 6.4 — lower is better

Complaint Data by Line of Business

Line Complaints Avg Complaint Ratio States Active
Home Insurance 987
2.34 +134% vs. avg
38

Top states by complaint volume

Top 5 states — Hippo Insurance consumer complaints

Top 5 states — Hippo Insurance consumer complaints Horizontal bar chart of the top 5 items by value (complaints). Top 5 states — Hippo Insurance consumer complaints Top 5 1. AL 26 2. AK 26 3. AZ 26 4. AR 26 5. CA 26 Top 5 states ranked by NAIC consumer complaints filed against Hippo Insurance. Source: NAIC Consumer Information Source.

Source: NAIC Consumer Information Source (CIS) + CMS Medicare Advantage Star Ratings Insurer complaint counts and ratios for Hippo Insurance across all reported lines of business and states · 2023 NAIC CIS aggregates state-DOI consumer complaints; complaint ratios normalize against premium volume so absolute counts and ratios can diverge. Reputation grade derived from PlainInsurer methodology applied to NAIC data.

Understanding Your Rights

If you have a dispute with Hippo Insurance or any insurer, you have the right to file a complaint with your state's insurance commissioner. State regulators investigate consumer complaints, mediate disputes, and can take enforcement action against companies that violate insurance laws.

The NAIC's complaint filing page provides direct links to every state insurance department. Complaints can typically be filed online and are tracked as part of the public record that informs the complaint ratios shown on this page.

The data presented here covers all lines of business — auto, home, health, and life insurance. Complaint ratios are normalized by premium volume so that larger companies are not penalized simply for writing more policies.

Frequently Asked Questions

What does Hippo Insurance's F grade mean?
Hippo Insurance received a grade of F, which means "Poor — significantly above-average complaints and/or denials." This grade is calculated from the company's NAIC complaint ratio (normalized by premium volume), CMS claim denial rates where available, and Medicare Advantage prior authorization data. Consumers may want to compare this insurer against higher-graded alternatives in their state.
How many complaints does Hippo Insurance have?
Hippo Insurance has 987 total complaints on record across 38 states, based on NAIC Market Conduct Annual Statement (MCAS) data. The raw complaint count alone does not tell the full story — larger insurers naturally receive more complaints. PlainInsurer uses complaint ratios (complaints per premium dollar) to compare companies fairly.
How do I file a complaint against Hippo Insurance?
To file a complaint against Hippo Insurance, contact your state's Department of Insurance. Every state has an insurance commissioner's office that accepts consumer complaints — you can typically file online, by phone, or by mail. The National Association of Insurance Commissioners (NAIC) also provides a central complaint portal at naic.org. Document your policy number, claim number, dates of communication, and the specific issue before filing. Your state regulator can investigate and mediate disputes between you and Hippo Insurance.
Is Hippo Insurance a good insurance company?
Whether Hippo Insurance is a good choice depends on your coverage needs, state, and budget. PlainInsurer gives Hippo Insurance a F grade based on complaint ratios and denial data. The below-average composite score suggests fewer consumer issues than typical insurers. Always compare quotes from multiple carriers and check complaint data for your specific state and line of coverage.
What types of insurance does Hippo Insurance offer?
Based on NAIC filing data, Hippo Insurance operates in 1 line of business: Home Insurance. Coverage availability varies by state — Hippo Insurance is licensed in 38 states. Check directly with Hippo Insurance or your state's Department of Insurance for specific policy options in your area.
How does Hippo Insurance compare to other insurers?
Hippo Insurance's complaint data can be compared against other insurers using PlainInsurer's complaint ratio rankings. With a F grade, Hippo Insurance ranks below the industry average for consumer complaints. To compare specific lines of coverage, visit the line-of-business rankings. For state-level comparisons, check the state pages where Hippo Insurance operates.

Compare Hippo Insurance Against Another Insurer

See a side-by-side complaint ratio and denial rate comparison.

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Data: NAIC MCAS 2024 industry scorecards · CMS Transparency in Coverage PUF PY2025 · CMS Medicare Advantage analysis (CMS OIG OEI-09-22-00380, KFF 2023). Not affiliated with NAIC or CMS.
All federal data sources used on this page

Related to Hippo Insurance

Primary data: NAIC Market Conduct Annual Statement (MCAS) 2024. Medicare Advantage figures: CMS Office of Inspector General audit OEI-09-22-00380 and KFF 2023 Medicare Advantage analysis. Methodology and computation by PlainInsurer Editorial — see methodology.