Complaint records · NAIC

Insurers with the worst complaint records

Carriers scored highest on PlainInsurer's composite of NAIC complaint index, claim-denial rate and prior-authorization data, normalized for market size.

Compiled byPlaininsurer Editorial, Insurance Editorial Team

41
Carriers shown: F
Top grade: 0
Highest score

The headline

SafeAuto (Kemper) carries the worst composite complaint record in PlainInsurer's dataset (score 0.0, grade F) - driven by 1,234 complaints across 17 states relative to its market size.

F
worst grade (SafeAuto): 0
highest composite score: 41
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.

SafeAuto (Kemper)

0
Infinity P&C (Kemper)

0
Direct General (Allstate

0
Root Insurance

0
Gainsco Insurance

0
Universal Property & Cas

0
Heritage Property & Casu

0
AmeriHealth Caritas Flor

0
AmeriHealth Caritas VIP

1.1
CareSource North Carolin

2.3
Kemper Auto

2.8
Citizens Property Insura

2.8

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.

41 carriers ranked by composite complaint score (higher = worse)

#	Insurer	Composite score	Complaints	States
1	SafeAuto (Kemper) F Kemper	0.0	1,234	17
2	Infinity P&C (Kemper) F Kemper	0.0	1,123	13
3	Direct General (Allstate) F Allstate	0.0	1,987	26
4	Root Insurance F Root	0.0	1,234	34
5	Gainsco Insurance F Gainsco	0.0	876	7
6	Universal Property & Casualty F Universal Insurance	0.0	1,543	8
7	Heritage Property & Casualty F Heritage	0.0	1,102	3
8	AmeriHealth Caritas Florida, Inc. F	0.0	0	0
9	AmeriHealth Caritas VIP Next, Inc. F	1.1	0	0
10	CareSource North Carolina Co. F	2.3	0	0
11	Kemper Auto F Kemper	2.8	3,421	45
12	Citizens Property Insurance (FL) F FL Citizens	2.8	3,421	1
13	UnitedHealthcare Community Plan, Inc. F UnitedHealth Group	2.8	0	0
14	Select Health of South Carolina F	3.4	0	0
15	UnitedHealthcare of Ohio, Inc. F UnitedHealth Group	4.5	0	0
16	UnitedHealthcare of Illinois, Inc. F UnitedHealth Group	5.1	0	0
17	UnitedHealthcare Insurance Company F UnitedHealth Group	5.1	0	0
18	AmeriHealth Caritas North Carolina, Inc. F	5.6	0	0
19	UnitedHealthcare of Arizona, Inc. F UnitedHealth Group	6.2	0	0
20	Dairyland Insurance (Sentry) F Sentry	6.4	1,432	40
21	Hippo Insurance F Hippo	6.4	987	38
22	Ambetter (Centene) F Centene	6.8	1,876	25
23	UnitedHealthcare of Oklahoma, Inc. F UnitedHealth Group	6.8	0	0
24	Blue Cross and Blue Shield of Montana F	7.3	0	0
25	UnitedHealthcare of Texas, Inc. F UnitedHealth Group	8.5	0	0
26	Oscar Health Plan of North Carolina, Inc F	9.0	0	0
27	UnitedHealthcare of Florida, Inc. F UnitedHealth Group	9.6	0	0
28	UnitedHealthcare of Mississippi, Inc. F UnitedHealth Group	10.2	0	0
29	Molina Healthcare of Illinois, Inc. F Molina Healthcare	10.7	0	0
30	Blue Cross and Blue Shield of Alabama F	11.3	0	0
31	UnitedHealthcare of North Carolina, Inc F UnitedHealth Group	12.4	0	0
32	Molina Healthcare of Florida, Inc F Molina Healthcare	13.6	0	0
33	AvMed, Inc. F	14.1	0	0
34	Tower Hill Insurance F Tower Hill	15.2	876	3
35	Cigna HealthCare of Illinois, Inc. F Cigna	15.3	0	0
36	Banner Health and Aetna Health Plan Inc. F CVS Health	15.8	0	0
37	CareSource West Virginia Co. F	16.4	0	0
38	Molina Healthcare of Utah F Molina Healthcare	17.5	0	0
39	Community First Insurance Plans F	18.6	0	0
40	CHRISTUS Health Plan Louisiana F	19.8	0	0
41	Aetna Health Inc. (a TX corp.) F CVS Health	20.3	0	0

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.

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Source: NAIC published complaint index (2024). Complaint scores are normalized by market share (direct premiums written). Not affiliated with NAIC or CMS.