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Allstate — HonestPolicy Grade

Overall: C (score 49.5/100) · methodology v0.2.1 · generated 2026-07-10

Every figure on this page links to the public government record it was computed from (see Sources & provenance). The grade aggregates the complaint experience of all Allstate underwriting companies identified in each source, listed below with their raw complaint and exposure counts.

Automobile: C score 46.9/100 · composite relative index 1.13 · 7 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Automobile2025124849,4322,48015,044,7980.89[tx]0.3
TX Automobile202496963,6521,59414,898,9760.93[tx]0.12
CA Automobile20251262,327,3651,78628,998,8650.88[ca_auto]0.2
CA Automobile20241742,327,3651,38828,998,8651.56[ca_auto]0.12
CA Automobile20231452,327,36585728,998,8652.11[ca_auto]0.08
NY Automobile2024140$2,740.1M629$18,428M1.50[ny]0.12
NY Automobile2023118$2,445.4M445$16,202M1.76[ny]0.06

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025ALLSTATE INSURANCE COMPANY (NAIC 19232) (tiny book — below the credibility floor on its own)36,7382.7 (TDI index)
TX · 2025ALLSTATE INDEMNITY COMPANY (NAIC 19240)455,2580.44 (TDI index)
TX · 2025ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 17230)153,7840.11 (TDI index)
TX · 2025ALLSTATE COUNTY MUTUAL INSURANCE COMPANY (NAIC 29335)8203,6560.24 (TDI index)
TX · 2025ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY (NAIC 29688)97505,8361.16 (TDI index)
TX · 2025ESURANCE INSURANCE COMPANY (NAIC 25712) (tiny book — below the credibility floor on its own)27,7281.57 (TDI index)
TX · 2025ESURANCE PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 30210) (tiny book — below the credibility floor on its own)18472.28 (TDI index)
TX · 2025ENCOMPASS HOME AND AUTO INSURANCE COMPANY (NAIC 11252) (tiny book — below the credibility floor on its own)040.0 (TDI index)
TX · 2025ENCOMPASS INDEMNITY COMPANY (NAIC 15130) (tiny book — below the credibility floor on its own)0200.0 (TDI index)
TX · 2025ENCOMPASS INDEPENDENT INSURANCE COMPANY (NAIC 11251) (tiny book — below the credibility floor on its own)398118.57 (TDI index)
TX · 2025ENCOMPASS PROPERTY AND CASUALTY COMPANY (NAIC 10072) (tiny book — below the credibility floor on its own)010.0 (TDI index)
TX · 2025INTEGON INDEMNITY CORPORATION (NAIC 22772)213,6660.89 (TDI index)
TX · 2025INTEGON NATIONAL INSURANCE COMPANY (NAIC 29742) (tiny book — below the credibility floor on its own)21,02011.9 (TDI index)
TX · 2025NATIONAL GENERAL ASSURANCE COMPANY (NAIC 42447) (tiny book — below the credibility floor on its own)16569.26 (TDI index)
TX · 2024ALLSTATE INSURANCE COMPANY (NAIC 19232) (tiny book — below the credibility floor on its own)17,9031.18 (TDI index)
TX · 2024ALLSTATE INDEMNITY COMPANY (NAIC 19240)363,6900.44 (TDI index)
TX · 2024ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 17230)258,8780.32 (TDI index)
TX · 2024ALLSTATE COUNTY MUTUAL INSURANCE COMPANY (NAIC 29335)238,6440.48 (TDI index)
TX · 2024ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY (NAIC 29688)77759,6020.95 (TDI index)
TX · 2024ESURANCE INSURANCE COMPANY (NAIC 25712)211,5071.63 (TDI index)
TX · 2024ESURANCE PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 30210) (tiny book — below the credibility floor on its own)05970.0 (TDI index)
TX · 2024ENCOMPASS HOME AND AUTO INSURANCE COMPANY (NAIC 11252) (tiny book — below the credibility floor on its own)050.0 (TDI index)
TX · 2024ENCOMPASS INDEMNITY COMPANY (NAIC 15130) (tiny book — below the credibility floor on its own)31,18823.62 (TDI index)
TX · 2024ENCOMPASS INDEPENDENT INSURANCE COMPANY (NAIC 11251) (tiny book — below the credibility floor on its own)23,8454.87 (TDI index)
TX · 2024ENCOMPASS INSURANCE COMPANY OF AMERICA (NAIC 10071) (tiny book — below the credibility floor on its own)0380.0 (TDI index)
TX · 2024ENCOMPASS PROPERTY AND CASUALTY COMPANY (NAIC 10072) (tiny book — below the credibility floor on its own)0600.0 (TDI index)
TX · 2024INTEGON INDEMNITY CORPORATION (NAIC 22772)314,9131.88 (TDI index)
TX · 2024INTEGON NATIONAL INSURANCE COMPANY (NAIC 29742) (tiny book — below the credibility floor on its own)11,2247.64 (TDI index)
TX · 2024NATIONAL GENERAL ASSURANCE COMPANY (NAIC 42447) (tiny book — below the credibility floor on its own)08030.0 (TDI index)
TX · 2024NATIONAL GENERAL INSURANCE COMPANY (NAIC 23728) (tiny book — below the credibility floor on its own)07550.0 (TDI index)
CA · 2025/2024/2023ALLSTATE INSURANCE COMPANY (CDI rank 15)5 (3yr)52,0212025: 1.9, 2024: 3.6, 2023: 3.5 (per 100k)
CA · 2025/2024/2023ALLSTATE NORTHBROOK INDEMNITY COMPANY (CDI rank 19)142 (3yr)1,485,8832025: 2.6, 2024: 3.0, 2023: 2.8 (per 100k)
CA · 2025/2024/2023ENCOMPASS INSURANCE COMPANY (CDI rank 37)22 (3yr)64,7082025: 6.2, 2024: 11.6, 2023: 15.8 (per 100k)
CA · 2025/2024/2023INTEGON NATIONAL INSURANCE COMPANY (CDI rank 39)146 (3yr)533,7372025: 7.7, 2024: 9.2, 2023: 14.9 (per 100k)
CA · 2025/2024/2023INTEGON PREFERRED INSURANCE COMPANY (CDI rank 47)130 (3yr)191,0162025: 21.5, 2024: 53.9, 2023: 12.6 (per 100k)
NY · 2024Allstate Insurance Company (NAIC 19232)24 (upheld, of 132 total)$476.6M (premiums)0.050358628 (DFS ratio, rank 84)
NY · 2024Allstate Indemnity Company (NAIC 19240)0 (upheld, of 9 total)$41.5M (premiums)0.0 (DFS ratio, rank 4)
NY · 2024Allstate Property and Casualty Insurance Company (NAIC 17230)4 (upheld, of 38 total)$139.9M (premiums)0.028600007 (DFS ratio, rank 69)
NY · 2024Allstate Fire and Casualty Insurance Company (NAIC 29688)37 (upheld, of 391 total)$1623.7M (premiums)0.02278809 (DFS ratio, rank 63)
NY · 2024Esurance Insurance Company (NAIC 25712)14 (upheld, of 44 total)$55.9M (premiums)0.250370772 (DFS ratio, rank 118)
NY · 2024Esurance Property and Casualty Insurance Company (NAIC 30210)6 (upheld, of 25 total)$41.8M (premiums)0.143465368 (DFS ratio, rank 105)
NY · 2024Encompass Home and Auto Insurance Company (NAIC 11252) (tiny book — below the credibility floor on its own)1 (upheld, of 9 total)$22.8M (premiums)0.043842645 (DFS ratio, rank 80)
NY · 2024Encompass Indemnity Company (NAIC 15130) (tiny book — below the credibility floor on its own)1 (upheld, of 2 total)$2.5M (premiums)0.400324263 (DFS ratio, rank 121)
NY · 2024Encompass Insurance Company of America (NAIC 10071) (tiny book — below the credibility floor on its own)0 (upheld, of 3 total)$3.1M (premiums)0.0 (DFS ratio, rank 36)
NY · 2024Encompass Property and Casualty Company (NAIC 10072) (tiny book — below the credibility floor on its own)0 (upheld, of 1 total)$1.4M (premiums)0.0 (DFS ratio, rank 47)
NY · 2024Integon National Insurance Company (NAIC 29742)47 (upheld, of 227 total)$237.9M (premiums)0.197521621 (DFS ratio, rank 113)
NY · 2024National General Assurance Company (NAIC 42447) (tiny book — below the credibility floor on its own)1 (upheld, of 3 total)$6.1M (premiums)0.164522852 (DFS ratio, rank 109)
NY · 2024National General Insurance Company (NAIC 23728)0 (upheld, of 11 total)$27.7M (premiums)0.0 (DFS ratio, rank 7)
NY · 2024National General Insurance Online, Inc. (NAIC 11044) (tiny book — below the credibility floor on its own)0 (upheld, of 6 total)$7.7M (premiums)0.0 (DFS ratio, rank 21)
NY · 2024New South Insurance Company (NAIC 12130)5 (upheld, of 24 total)$51.4M (premiums)0.097247026 (DFS ratio, rank 97)
NY · 2023Allstate Insurance Company (NAIC 19232)24 (upheld, of 90 total)$464.8M (premiums)0.051637959 (DFS ratio, rank 96)
NY · 2023Allstate Indemnity Company (NAIC 19240)2 (upheld, of 13 total)$40.7M (premiums)0.049174709 (DFS ratio, rank 93)
NY · 2023Allstate Property and Casualty Insurance Company (NAIC 17230)5 (upheld, of 17 total)$138.1M (premiums)0.036195629 (DFS ratio, rank 78)
NY · 2023Allstate Fire and Casualty Insurance Company (NAIC 29688)56 (upheld, of 284 total)$1469.3M (premiums)0.038113899 (DFS ratio, rank 83)
NY · 2023Esurance Insurance Company (NAIC 25712)14 (upheld, of 65 total)$74.5M (premiums)0.188035127 (DFS ratio, rank 116)
NY · 2023Esurance Property and Casualty Insurance Company (NAIC 30210)7 (upheld, of 46 total)$44.5M (premiums)0.157175786 (DFS ratio, rank 112)
NY · 2023Encompass Home and Auto Insurance Company (NAIC 11252) (tiny book — below the credibility floor on its own)0 (upheld, of 6 total)$21.6M (premiums)0.0 (DFS ratio, rank 11)
NY · 2023Encompass Indemnity Company (NAIC 15130) (tiny book — below the credibility floor on its own)1 (upheld, of 1 total)$2.6M (premiums)0.385737882 (DFS ratio, rank 120)
NY · 2023Encompass Insurance Company of America (NAIC 10071) (tiny book — below the credibility floor on its own)0 (upheld, of 3 total)$3.3M (premiums)0.0 (DFS ratio, rank 43)
NY · 2023Encompass Property and Casualty Company (NAIC 10072) (tiny book — below the credibility floor on its own)0 (upheld, of 0 total)$1.5M (premiums)0.0 (DFS ratio, rank 51)
NY · 2023Integon National Insurance Company (NAIC 29742)2 (upheld, of 43 total)$89.3M (premiums)0.022384376 (DFS ratio, rank 66)
NY · 2023National General Assurance Company (NAIC 42447) (tiny book — below the credibility floor on its own)0 (upheld, of 3 total)$5.6M (premiums)0.0 (DFS ratio, rank 28)
NY · 2023National General Insurance Company (NAIC 23728) (tiny book — below the credibility floor on its own)0 (upheld, of 7 total)$23.7M (premiums)0.0 (DFS ratio, rank 8)
NY · 2023National General Insurance Online, Inc. (NAIC 11044) (tiny book — below the credibility floor on its own)0 (upheld, of 3 total)$9.6M (premiums)0.0 (DFS ratio, rank 20)
NY · 2023New South Insurance Company (NAIC 12130)7 (upheld, of 23 total)$56.3M (premiums)0.124245547 (DFS ratio, rank 110)

Homeowners: B score 52.0/100 · composite relative index 0.92 · 5 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Homeowners20252231,124,3211,1539,068,5181.56[tx]0.3
TX Homeowners20241441,152,5527339,050,7531.54[tx]0.12
CA Homeowners202519746,59650111,946,3010.61[ca_home]0.2
CA Homeowners202433746,5961,26511,946,3010.42[ca_home]0.12
CA Homeowners202324746,59667911,946,3010.57[ca_home]0.08

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025ALLSTATE INSURANCE COMPANY (NAIC 19232) (tiny book — below the credibility floor on its own)15,3381.47 (TDI index)
TX · 2025ALLSTATE INDEMNITY COMPANY (NAIC 19240)20122,5471.28 (TDI index)
TX · 2025ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY (NAIC 29688)528,9171.36 (TDI index)
TX · 2025ALLSTATE TEXAS LLOYD'S (NAIC 26530)14107,3131.03 (TDI index)
TX · 2025ALLSTATE VEHICLE AND PROPERTY INSURANCE COMPANY (NAIC 37907)171833,4071.61 (TDI index)
TX · 2025ESURANCE INSURANCE COMPANY (NAIC 25712) (tiny book — below the credibility floor on its own)34,3725.4 (TDI index)
TX · 2025ENCOMPASS INDEPENDENT INSURANCE COMPANY (NAIC 11251)711,0444.99 (TDI index)
TX · 2025INTEGON NATIONAL INSURANCE COMPANY (NAIC 29742) (tiny book — below the credibility floor on its own)21,9258.17 (TDI index)
TX · 2025NATIONAL GENERAL INSURANCE COMPANY (NAIC 23728) (tiny book — below the credibility floor on its own)09,4580.0 (TDI index)
TX · 2024ALLSTATE INSURANCE COMPANY (NAIC 19232) (tiny book — below the credibility floor on its own)05,3380.0 (TDI index)
TX · 2024ALLSTATE INDEMNITY COMPANY (NAIC 19240)16122,5471.62 (TDI index)
TX · 2024ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY (NAIC 29688)428,9171.71 (TDI index)
TX · 2024ALLSTATE TEXAS LLOYD'S (NAIC 26530)6107,3130.69 (TDI index)
TX · 2024ALLSTATE VEHICLE AND PROPERTY INSURANCE COMPANY (NAIC 37907)113833,4071.68 (TDI index)
TX · 2024ENCOMPASS HOME AND AUTO INSURANCE COMPANY (NAIC 11252) (tiny book — below the credibility floor on its own)02080.0 (TDI index)
TX · 2024ENCOMPASS INDEMNITY COMPANY (NAIC 15130) (tiny book — below the credibility floor on its own)02,3340.0 (TDI index)
TX · 2024ENCOMPASS INDEPENDENT INSURANCE COMPANY (NAIC 11251)213,6921.81 (TDI index)
TX · 2024INTEGON NATIONAL INSURANCE COMPANY (NAIC 29742)330,7091.21 (TDI index)
TX · 2024NATIONAL GENERAL INSURANCE COMPANY (NAIC 23728) (tiny book — below the credibility floor on its own)08,0870.0 (TDI index)
CA · 2025/2024/2023ALLSTATE INSURANCE COMPANY (CDI rank 28)70 (3yr)682,1662025: 2.8, 2024: 4.5, 2023: 2.8 (per 100k)
CA · 2025/2024/2023INTEGON NATIONAL INSURANCE COMPANY (CDI rank 1)6 (3yr)64,4302025: 0.0, 2024: 3.1, 2023: 4.8 (per 100k)

Flagged, not graded

Entities whose group attribution is uncertain are disclosed and excluded from the calculation:

HonestPolicy Grades are calculated independently and without the endorsement of the NAIC, the Texas Department of Insurance, the California Department of Insurance, or the New York State Department of Financial Services. Underlying complaint statistics are public records of the named state agencies.

A HonestPolicy Grade is an editorial opinion about relative complaint experience, derived arithmetically from the public records cited on this page. It is not a recommendation to buy or avoid any insurance product. See methodology (v0.2.1) for the exact formula.

Sources & provenance

[tx] Texas Department of Insurance — Complaint indexes and policy counts for insurance companies — Texas Department of Insurance.
https://data.texas.gov/dataset/Complaint-indexes-and-policy-counts-for-insurance-/pa9u-9s9w
Retrieved 2026-07-10T10:07:49+00:00. Published on the Texas Open Data Portal for public reuse. Complaint index values are calculated by TDI.
[ca_auto] California Department of Insurance — 2026 Consumer Complaint Study (Automobile composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Auto.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ca_home] California Department of Insurance — 2026 Consumer Complaint Study (Homeowners composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Home.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ny] New York State Department of Financial Services — Automobile Insurance Company Complaint Rankings: Beginning 2009 — New York State Department of Financial Services.
https://data.ny.gov/Government-Finance/Automobile-Insurance-Company-Complaint-Rankings-Be/h2wd-9xfe
Retrieved 2026-07-10T10:07:51+00:00. Published on Open Data NY for public reuse. Per DFS: insurers are ranked by upheld consumer complaints (complaints where DFS agreed the insurer made an inappropriate decision) as a share of automobile premiums written in New York State; the ratio column is upheld complaints per $1 million of premium as calculated by DFS.

Full machine-readable provenance for every figure: data/grades.json (methodology v0.2.1, generated 2026-07-10T10:22:02+00:00).