Interactive tool · NAIC MCAS

Check my insurer's complaint record

Pick your coverage line and carrier to see its NAIC complaint index, rank among same-line peers, and the 4 nearest-complaint carriers. No sign-up.

72
Carrier-line records
4
Coverage lines

How this tool works

What you're checking. This tool looks up the NAIC complaint index for your insurer on the specific coverage line you carry, auto, homeowners, life, or health. The complaint index measures how many complaints a carrier received relative to the amount of business it writes (premium volume). A value of 1.0 means exactly as many complaints per dollar of premium as the market median. Below 1.0 means fewer; above 1.0 means more.

What it is not. The complaint index is a regulatory signal, not a measure of policy quality, claims speed, coverage breadth, or agent responsiveness. A low index means fewer people complained to their state regulator relative to the carrier's market size, it does not guarantee a smooth claims experience. Conversely, a higher index does not mean the carrier is fraudulent. NAIC MCAS voluntary-reporting caveats apply.

Why separate by coverage line. Complaint patterns differ by product. An insurer may have a strong auto record but a weaker homeowners record. This tool shows the index for the exact line you are insured under, so the comparison is specific to your situation.

Data source. All figures come from the NAIC Market Conduct Annual Statement (MCAS) and NAIC Complaint Information System (CIS) - publicly available regulatory filings compiled by U.S. state insurance departments. PlainInsurer does not add to, estimate, or interpolate these numbers. See our methodology page for full sourcing detail.

Frequently asked questions

What is the NAIC complaint index?
The complaint index (also called the complaint ratio in NAIC MCAS reports) measures how many complaints an insurer received relative to its market share (written premiums). A value of 1.0 represents the market median, exactly as many complaints per premium dollar as the industry average. Values below 1.0 indicate fewer complaints per dollar of premium than typical; values above 1.0 indicate more. The index does not measure claim-payment speed, coverage quality, or agent service.
Why does PlainInsurer separate by coverage line?
Complaint patterns differ by product. An insurer may have a strong auto-complaint record but a weaker homeowners record, because underwriting, claims handling, and regulatory exposure vary by line. Mixing lines into a single number obscures the specific area you are insured in. This tool shows the index for the exact line you carry.
What do the "nearest-complaint peers" mean?
These are the carriers on the same coverage line whose complaint index is closest to the one you looked up. They are presented as context, if your insurer's index is 1.2, these are carriers in roughly the same complaint tier. They are not recommendations and do not reflect pricing, availability, or coverage differences.
Where does this data come from?
All complaint index figures are sourced from the NAIC Market Conduct Annual Statement (MCAS) and NAIC Complaint Information System (CIS), public regulatory data compiled across U.S. state insurance departments. The data year is shown next to each figure. PlainInsurer does not add to, estimate, or interpolate these numbers, they are published regulator-collected figures.

Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.