Which insurance companies have the fewest complaints?
Among the insurers we track, GEICO, Progressive, Nationwide, Travelers, Amica Mutual, American Family, Chubb, and Auto-Owners Insurance are in the "fewer than expected" band on the NAIC complaint index, according to NerdWallet's analysis of 2022-2024 NAIC complaint data. The index varies by legal entity, line of business, state and year, so check the specific company you are considering in the NAIC's Consumer Insurance Search before relying on a band.
Source: NerdWallet insurer reviews (retrieved October 2026). See the NAIC complaint index glossary entry for a short definition.
What the NAIC complaint index measures
The complaint index is a statistic that considers a company’s share of complaints in relation to its market share. As the Kansas Department of Insurance explains it, an index of 1.00 means the insurer’s share of all complaints is equal to its share of all the business written; below 1.00 means fewer complaints than its size would suggest, and above 1.00 means more.
The NAIC says it compiles “closed, confirmed complaint information about insurance carriers from state insurance departments”. The Kansas Department of Insurance notes that its own index differs from the NAIC report because the NAIC report only captures confirmed complaints, so figures from different sources are not directly interchangeable. We group carriers into bands rather than publishing a single ratio, because the index varies by legal entity, line of business, state and year. Use it as one signal alongside financial strength, satisfaction, price, and coverage. If you have a problem with an insurer, see how to file a state insurance complaint.
NAIC complaint band by insurer
Of the 16 insurers we place in a band, 8 are in the “fewer than expected” band, 5 are “about as expected”, and 3 are “more than expected”. Fewer means the insurer received fewer complaints than expected for a company of its size; More means more complaints than expected. These bands come from NerdWallet’s analysis of 2022-2024 NAIC complaint data.
| Insurer | NAIC complaint band | Profile |
|---|---|---|
| GEICO | Fewer than expected | GEICO profile |
| Progressive | Fewer than expected | Progressive profile |
| Nationwide | Fewer than expected | Nationwide profile |
| Travelers | Fewer than expected | Travelers profile |
| Amica Mutual | Fewer than expected | Amica Mutual profile |
| American Family | Fewer than expected | American Family profile |
| Chubb | Fewer than expected | Chubb profile |
| Auto-Owners Insurance | Fewer than expected | Auto-Owners Insurance profile |
| State Farm | About as expected | State Farm profile |
| Allstate | About as expected | Allstate profile |
| Farmers Insurance | About as expected | Farmers Insurance profile |
| Erie Insurance | About as expected | Erie Insurance profile |
| Safeco Insurance | About as expected | Safeco Insurance profile |
| USAA | More than expected | USAA profile |
| Liberty Mutual | More than expected | Liberty Mutual profile |
| Lemonade | More than expected | Lemonade profile |
How to look up a company yourself
The NAIC’s Consumer Insurance Search (CIS) is the tool for researching a carrier. The NAIC says you can look up information by state, company, and insurance type for the past three years. As described by the Kansas Department of Insurance, one way through CIS is:
- Open Consumer Insurance Search (CIS).
- Input the NAIC company code number and press the enter key. Kansas’s report lists this code to the left of each company name.
- Once the company is displayed, select “Click for Report Options.”
- Select “Go to Complaint Code Report.”
- Choose a report based on the type of coverage, reason for complaint, or disposition (final outcome).
- Select your state under the “I want to see complaints for:” drop down.
We have not independently walked these menus in the live tool, and the NAIC may change them; if they differ, start from the CIS page. Your state Department of Insurance also publishes complaint data for your local market. Carriers we do not band above (Kaiser Permanente, UnitedHealthcare, Aetna, Cigna, Humana, Blue Cross Blue Shield, and 16 more) are best checked directly there; we don’t assign a band we can’t stand behind.
NAIC complaint index vs BBB rating vs J.D. Power
These three measure different things, so they answer different questions.
- NAIC complaint index. The NAIC compiles closed, confirmed complaint information from state insurance departments, and the index relates a company’s complaints to its market share. It answers: relative to its size, how many complaints did regulators record against this insurer?
- BBB rating. A BBB rating represents BBB’s opinion of how a business is likely to interact with its customers, based on complaint history, transparency, and available public data. Customer reviews are not used in the letter-grade calculation. It answers: what is BBB’s opinion of how this business treats customers?
- J.D. Power. The J.D. Power’s 2024 U.S. Auto Insurance Study (PDF) measures customer satisfaction on a 1,000-point scale. It answers: how satisfied are this insurer’s customers?
None of the three is a verdict on price or coverage. Read the complaint index next to the others, and see our glossary entry on the NAIC complaint index for the short definition.
Complaint Index — FAQ
What is the NAIC complaint index?
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The complaint index compares an insurer's share of complaints with its share of the market. The Kansas Department of Insurance describes it as a statistic that considers a company's share of complaints in relation to its market share, with 1.00 as the benchmark. NerdWallet describes the NAIC as calculating a complaint index each year for each subsidiary, and the NAIC itself says it compiles closed, confirmed complaint information about insurance carriers from state insurance departments.
Which insurance companies have the fewest complaints?
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Among the insurers we track, GEICO, Progressive, Nationwide, Travelers, Amica Mutual, American Family, Chubb, and Auto-Owners Insurance are in the "fewer than expected" band, based on NerdWallet's analysis of 2022-2024 NAIC complaint data. Bands are a simplification: the index varies by legal entity, line of business, state and year, so look up the specific company in the NAIC's Consumer Insurance Search (CIS) and check your own state's complaint data too.
What is a good NAIC complaint index?
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Lower is better. In the Kansas Department of Insurance's description, an index of 1.00 means the insurer's share of all complaints equals its share of all the business written, and 2.00 means its share of complaints is twice as large as its share of business. So below 1.00 means fewer complaints than expected for the company's size. That Kansas figure covers Kansas only; this site shows bands (fewer, about as expected, more) rather than ratios, because the index varies by legal entity, line, state and year.
Why show a band instead of an exact number?
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Because a single national number isn't well-defined. The index varies by legal entity, line of business, state and year, and large insurers write through many entities, so their index can differ by subsidiary and state. Reporting a qualitative band (fewer / about / more than expected), based on a multi-year analysis, is more honest than a false-precision ratio. For a specific entity, look it up in the NAIC's Consumer Insurance Search (CIS).
How do I look up a company's complaint record myself?
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Use the NAIC's Consumer Insurance Search (CIS) at content.naic.org. The NAIC says you can look up information by state, company, and insurance type for the past three years. The Kansas Department of Insurance describes a click path through CIS that is listed in the steps above. Your own state Department of Insurance also publishes complaint data, which can be more relevant because it reflects your state's market.
Does a low complaint index mean a company is 'best'?
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No. It's one signal, not the whole picture. A low index means fewer complaints relative to the company's size, but it says nothing about price or coverage, and it is separate from financial strength (AM Best) and customer-satisfaction studies (J.D. Power). Use it alongside those, and always get quotes from several carriers.
Related guides and tools
Michael Torres
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed October 2026
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