📊 What Is the NAIC Complaint Index?
The National Association of Insurance Commissioners (NAIC) tracks every complaint filed against insurance companies and publishes a "Complaint Index" that shows which companies get the most complaints relative to their size.
How to read it: An index of 1.00 is average. Below 1.00 = fewer complaints than expected. Above 1.00 = more complaints than expected. An index of 2.00 means twice as many complaints as average.
Auto Insurance: Best & Worst Complaint Records
✓ Fewest Complaints
✗ Most Complaints
⚠️ Lemonade's index of 10.09 means they receive 10x more complaints than expected for their size. That "instant claims" marketing comes with serious customer service issues.
Home Insurance: Best & Worst Complaint Records
✓ Fewest Complaints
✗ Most Complaints
What Are People Complaining About?
Source: NAIC complaint data analysis
How to Use This Data
✓ Check Before You Buy
Look up any insurer's complaint index at NAIC Consumer Information Source
✓ Weight Claims Handling
Insurance is only as good as its claims. A low price means nothing if they fight every claim.
✓ Watch for Trends
A company with rising complaints may be cutting corners. Check multiple years of data.
✓ Don't Ignore It
This is the only objective measure of customer experience. Reviews can be gamed; complaints can't.
The Bottom Line
The NAIC Complaint Index is the insurance industry's best-kept secret. It reveals which companies actually treat customers well—and which ones fight claims. USAA, GEICO, and State Farm have the best records. Lemonade, despite flashy marketing, has 10x more complaints than average. Always check the data before you buy.
Check Any Company's Complaints →