Complaint records · NAIC
Insurers with the worst complaint records
Carriers scored lowest on PlainInsurer's composite of NAIC complaint index, claim-denial rate and prior-authorization data (a 0-100 quality index), normalized for market size.
- 14
- Carriers shown
- F
- Top grade
- 0
- Worst composite score
The headline
SafeAuto (Kemper) is tied with 6 other carriers for the worst composite complaint record in PlainInsurer's dataset (score 0.0, grade F) - driven by 5,988 complaints across 17 states relative to its market size.
- F
- worst grade (SafeAuto)
- 0
- worst composite score (lower = worse)
- 14
- carriers listed
A high complaint record is a signal worth investigating, not proof of wrongdoing, complex products, market concentration and engaged consumers all lift complaint volume. The composite normalizes for premium size.
Composite scores of the worst-rated carriers
Top 12 carriers by worst reputation; this composite is a quality index (0-100) where LOWER means worse, not a complaint count
- SafeAuto (Kemper) 0
SafeAuto (Kemper): composite score 0.0 (grade F, 5,988 complaints)
0 composite score
- Infinity P&C (Kemper) 0
Infinity P&C (Kemper): composite score 0.0 (grade F, 4,853 complaints)
0 composite score
- Direct General (Allstate 0
Direct General (Allstate): composite score 0.0 (grade F, 8,176 complaints)
0 composite score
- Root Insurance 0
Root Insurance: composite score 0.0 (grade F, 12,373 complaints)
0 composite score
- Gainsco Insurance 0
Gainsco Insurance: composite score 0.0 (grade F, 3,344 complaints)
0 composite score
- Universal Property & Cas 0
Universal Property & Casualty: composite score 0.0 (grade F, 2,870 complaints)
0 composite score
- Heritage Property & Casu 0
Heritage Property & Casualty: composite score 0.0 (grade F, 1,097 complaints)
0 composite score
- Kemper Auto
Kemper Auto: composite score 2.8 (grade F, 13,345 complaints)
3 composite score
- Citizens Property Insura
Citizens Property Insurance (FL): composite score 2.8 (grade F, 330 complaints)
3 composite score
- Dairyland Insurance (Sen
Dairyland Insurance (Sentry): composite score 6.4 (grade F, 11,430 complaints)
6 composite score
- Hippo Insurance
Hippo Insurance: composite score 6.4 (grade F, 10,893 complaints)
6 composite score
- Ambetter (Centene)
Ambetter (Centene): composite score 6.8 (grade F, 7,172 complaints)
7 composite score
What this shows The composite blends the NAIC complaint index, claim-denial rate and prior-authorization data, normalized by premium volume so large carriers aren't penalised for scale. Lower composite scores mean worse standing -- these are the lowest-scoring carriers in PlainInsurer's dataset, not the highest.
14 carriers ranked by composite score (lower = worse; this is a 0-100 quality index, not a complaint count)
| # | Insurer | Composite score | Complaints | States |
|---|---|---|---|---|
| 1 | SafeAuto (Kemper) F Kemper | 5,988 | 17 | |
| 2 | Infinity P&C (Kemper) F Kemper | 4,853 | 13 | |
| 3 | Direct General (Allstate) F Allstate | 8,176 | 26 | |
| 4 | Root Insurance F Root | 12,373 | 34 | |
| 5 | Gainsco Insurance F Gainsco | 3,344 | 7 | |
| 6 | Universal Property & Casualty F Universal Insurance | 2,870 | 8 | |
| 7 | Heritage Property & Casualty F Heritage | 1,097 | 3 | |
| 8 | Kemper Auto F Kemper | 13,345 | 45 | |
| 9 | Citizens Property Insurance (FL) F FL Citizens | 330 | 1 | |
| 10 | Dairyland Insurance (Sentry) F Sentry | 11,430 | 40 | |
| 11 | Hippo Insurance F Hippo | 10,893 | 38 | |
| 12 | Ambetter (Centene) F Centene | 7,172 | 25 | |
| 13 | Tower Hill Insurance F Tower Hill | 787 | 3 | |
| 14 | Esurance (Allstate) F Allstate | 9,985 | 41 |
Reuse the data behind this ranking
Download the company-and-line complaint-index records behind this ranking. The export documents the insurer, insurance line, estimated complaint volume, reporting-state coverage, and line-specific index.
NAIC complaint-index company-and-line extract (2026) is published under CC0 1.0. Preserve the source, vintage, and scope when you cite it.
If your insurer is on this list
A high complaint record is a reason to dig deeper, not to panic.
- Read the carrier's profile for its per-line and per-state breakdown. Browse insurers
- Learn exactly how the complaint index is built and what it captures. Understand the index
- Have an active dispute? File formally with your state regulator. How to escalate
Complaint ratios are normalized by direct premiums written. Informational only, not insurance advice.
Frequently asked questions
Which insurance company has the most complaints?
SafeAuto (Kemper) (tied with 6 other carriers) has the worst composite complaint record among the 14 carriers PlainInsurer tracks, combining NAIC complaint index, CMS claim-denial rate, and prior-authorization data (2026). This is a composite score, not a raw complaint count, see the methodology for how it's built.
What are the top 5 worst insurance companies?
By PlainInsurer's composite complaint score (2026 NAIC/CMS data), the 5 worst-ranked among the carriers we track are: SafeAuto (Kemper), Infinity P&C (Kemper), Direct General (Allstate), Root Insurance, Gainsco Insurance. Composite score blends complaint index, denial rate, and prior-authorization data, not a raw complaint count.
What are the top 10 worst insurance companies?
By PlainInsurer's composite complaint score (2026 NAIC/CMS data), the 10 worst-ranked among the carriers we track are: SafeAuto (Kemper), Infinity P&C (Kemper), Direct General (Allstate), Root Insurance, Gainsco Insurance, Universal Property & Casualty, Heritage Property & Casualty, Kemper Auto, Citizens Property Insurance (FL), Dairyland Insurance (Sentry). Composite score blends complaint index, denial rate, and prior-authorization data, normalized for market size, not a raw complaint count.
Worst & best by coverage line
Source: NAIC published complaint index (2026). Complaint scores are normalized by market share (direct premiums written). Not affiliated with NAIC or CMS.