HonestPolicy Grade — US Auto & Home Insurers

Proof of concept · methodology v0.2.1 · generated 2026-07-10 · complaint years 2023–2025 (CA), 2024–2025 (TX), filing years 2023–2024 (NY, auto)

The HonestPolicy Grade measures how often an insurer's customers complain to state regulators, relative to its share of the market, using only public government records. A composite relative index of 1.00 means an average complaint rate; lower is better. Grades: A ≤ 0.65 · B ≤ 1.00 · C ≤ 1.50 · D ≤ 2.50 · F > 2.50. The roster is the 25 largest US P&C groups (NAIC 2024 market share, all lines); several are commercial/specialty writers with little or no personal auto/home business, and their grades are reported as insufficient data rather than guessed — see the coverage report for exactly what is and is not graded, and why.

NAIC rankCarrier group Automobile Homeowners
GradeScore /100Rel. index GradeScore /100Rel. index
1State FarmA64.80.54[ca_auto][ny][tx]C46.71.14[ca_home][tx]
2ProgressiveA61.00.64[ca_auto][ny][tx]———
3GEICO (Berkshire Hathaway)A68.60.46[ca_auto][ny][tx]———
4AllstateC46.91.13[ca_auto][ny][tx]B52.00.92[ca_home][tx]
5Liberty MutualC43.61.29[ca_auto][ny][tx]C41.21.43[ca_home][tx]
6TravelersA65.80.52[ca_auto][ny][tx]B56.80.76[ca_home][tx]
7USAAC45.91.18[ca_auto][ny][tx]A65.70.52[ca_home][tx]
8Chubb———A74.90.34[tx]
9Farmers InsuranceB50.10.99[ca_auto][ny][tx]C44.91.23[ca_home][tx]
10Zurich Insurance (US)insufficient data in covered sourcesinsufficient data in covered sources
11NationwideA73.40.36[ca_auto][ny][tx]B56.80.76[ca_home][tx]
12American FamilyB53.60.86[ca_auto][ny][tx]B50.50.98[ca_home][tx]
13The HartfordB53.10.88[ca_auto][ny][tx]C49.11.04[ca_home][tx]
14AIGinsufficient data in covered sourcesinsufficient data in covered sources
15Auto-Ownersinsufficient data in covered sourcesinsufficient data in covered sources
16CNAinsufficient data in covered sources———
17Tokio Marine (US)A68.10.47[ny][tx]D38.01.63[tx]
18Erie InsuranceB51.10.96[ny]insufficient data in covered sources
19Fairfax Financial (US)insufficient data in covered sourcesinsufficient data in covered sources
20W. R. Berkleyinsufficient data in covered sourcesinsufficient data in covered sources
21American Financial Group (Great American)insufficient data in covered sourcesinsufficient data in covered sources
22MarkelA90.10.11[ca_auto][ny][tx]A79.20.26[ca_home][tx]
23Cincinnati InsuranceA90.70.10[ny][tx]insufficient data in covered sources
24Auto Club Enterprises (AAA)A62.00.61[ca_auto][tx]A65.50.53[ca_home][tx]
25AXA (US, incl. XL)insufficient data in covered sources———

Signals per grade: Texas confirmed-complaint index inputs (2024, 2025)[tx], California justified-complaint study (2023–2025)[ca_auto][ca_home], and New York DFS automobile complaint rankings (2023–2024)[ny], combined by a recency-weighted geometric mean at the carrier-group level. Every carrier name links to a deep-dive with full per-number provenance.

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).