Download entire 2022 Consumer Complaint Report
Download entire 2021 Consumer Complaint Report

The DCI complaint index measures how many complaints the department received for a consecutive three-year period relative to the amount of product-specific premium a Missouri licensed company experienced that same period. For instance, if a company issues both homeowners and automobile insurance policies, the data would be segmented into a homeowner complaint index and an automobile complaint index.

The higher the index number, the worse the complaint record:

  • 100 percent means that the department received the normally expected number of complaints about that company.
  • 99 percent or less indicates the company was the subject of less than the normally expected number of complaints.
  • More than 100 percent shows the department received more than the normally expected number of complaints about that company.

The DCI encourages consumers to use the complaint index as a "tiebreaker" in choosing an insurance policy - after carefully considering individual insurance needs, benefits, premium costs, service and other factors in your purchasing decision.


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The complaint index compares the ratio of complaints to premium sales for each company to the industry average, for each line of business. The formula is:

Complaint index formula

2021 Home Complaint Index

An index of 100 is considered average



Company Name Annual Premium Volume 2021 Market Share 2021 Number of Complaints 2021 Complaint Index
ACUITY A MUTUAL INSURANCE COMPANY $ 8,496,365 0.31% 2 71
AEGIS SECURITY INSURANCE COMPANY $ 893,215 0.03% 2 679
AFFILIATED FM INSURANCE COMPANY $ 39,963 0.00% 0 0
AIG PROPERTY CASUALTY COMPANY $ 5,623,045 0.21% 0 0
ALLIANZ GLOBAL RISKS US INSURANCE COMPANY $ 6,354,907 0.24% 0 0
ALLIED PROPERTY & CASUALTY INSURANCE COMPANY $ 379,416 0.01% 0 0
ALLSTATE INDEMNITY COMPANY $ 12,529,877 0.46% 8 194
ALLSTATE INSURANCE COMPANY $ 8,869,253 0.33% 6 205
ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY $ 11,712,372 0.43% 11 285
ALLSTATE VEHICLE AND PROPERTY INSURANCE COMPANY $ 54,318,154 2.01% 26 145
ALPHA PROPERTY & CASUALTY INSURANCE CO $ 5,298 0.00% 0 0
AMCO INSURANCE COMPANY $ 7,352,730 0.27% 1 41
AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA $ 8,682,057 0.32% 14 489
AMERICAN CASUALTY COMPANY OF READING PENNSYLVANIA $ 4,519 0.00% 0 0
AMERICAN ECONOMY INSURANCE COMPANY $ 31,942,886 1.18% 6 57
AMERICAN FAMILY CONNECT PROPERTY AND CASUALTY INSURANCE COMPANY $ 4,080,931 0.15% 2 149
AMERICAN FAMILY HOME INSURANCE COMPANY $ 165,151 0.01% 2 3670
AMERICAN FAMILY INSURANCE COMPANY $ 100,658,856 3.73% 34 102
AMERICAN FAMILY MUTUAL INSURANCE COMPANY S.I. $ 260,806,010 9.67% 56 65
AMERICAN FIRE & CASUALTY COMPANY $ 643,348 0.02% 0 0
AMERICAN HOME ASSURANCE COMPANY $ 2,777,889 0.10% 0 0
AMERICAN MODERN HOME INSURANCE CO $ 1,860,452 0.07% 1 163
AMERICAN MODERN PROPERTY AND CASUALTY INSURANCE COMPANY $ 23,927,409 0.89% 21 266
AMERICAN MODERN SELECT INSURANCE COMPANY $ 1,476,233 0.05% 4 821
AMERICAN NATIONAL GENERAL INSURANCE COMPANY $ 54,518 0.00% 0 0
AMERICAN NATIONAL PROPERTY & CASUALTY COMPANY $ 15,757,870 0.58% 6 115
AMERICAN RELIABLE INSURANCE COMPANY $ 591,635 0.02% 0 0
AMERICAN SECURITY INSURANCE COMPANY $ 118,754 0.00% 0 0
AMERICAN STATES INSURANCE COMPANY $ 132,383 0.00% 0 0
AMERICAN STRATEGIC INSURANCE CORP $ 48,218,827 1.79% 16 101
AMERISURE INSURANCE COMPANY $ 1 0.00% 0 0
AMERISURE PARTNERS INSURANCE COMPANY $ 2,997 0.00% 0 0
AMGUARD INSURANCE COMPANY $ 949,387 0.04% 1 319
AMICA MUTUAL INSURANCE COMPANY $ 7,168,724 0.27% 4 169
AMSHIELD INSURANCE COMPANY $ 18,355 0.00% 0 0
AMTRUST INSURANCE COMPANY $ 3,755 0.00% 0 0
ARCH INSURANCE COMPANY $ 67,906 0.00% 0 0
ARGONAUT INSURANCE COMPANY $ 13,096 0.00% 0 0
ARMED FORCES INSURANCE EXCHANGE $ 1,296,579 0.05% 1 234
AUSTIN MUTUAL INSURANCE COMPANY $ 263,853 0.01% 0 0
AUTO CLUB FAMILY INSURANCE COMPANY $ 74,778,667 2.77% 41 166
AUTO OWNERS INSURANCE COMPANY $ 44,118,747 1.64% 19 131
AUTOMOBILE INS CO OF HARTFORD CT $ 1,459,501 0.05% 0 0
AXA INSURANCE COMPANY $ 423,591 0.02% 0 0
BANKERS STANDARD INSURANCE COMPANY $ 12,767,095 0.47% 0 0
BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANY $ 3,143 0.00% 0 0
BERKSHIRE HATHAWAY HOMESTATE INSURANCE COMPANY $ 413,224 0.02% 0 0
BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY $ 4,663 0.00% 0 0
BITCO GENERAL INSURANCE CORPORATION $ 51,846 0.00% 0 0
CALIFORNIA CASUALTY GENERAL INSURANCE COMPANY OF OREGON $ 1,531,947 0.06% 0 0
CAMERON MUTUAL INSURANCE COMPANY $ 14,008,550 0.52% 3 65
CENTURY-NATIONAL INSURANCE COMPANY $ 630,525 0.02% 0 0
CHARTER OAK FIRE INSURANCE CO THE $ 272,722 0.01% 0 0
CHUBB INDEMNITY INSURANCE COMPANY $ 565 0.00% 0 0
CHUBB NATIONAL INSURANCE COMPANY $ 6,029,776 0.22% 0 0
CINCINNATI CASUALTY COMPANY THE $ 1,346,580 0.05% 0 0
CINCINNATI INSURANCE COMPANY THE $ 16,501,525 0.61% 1 18
CITIZENS INSURANCE COMPANY OF AMERICA $ 1,366 0.00% 0 0
CLEAR BLUE INSURANCE COMPANY $ 82,110 0.00% 0 0
COLONY SPECIALTY INSURANCE COMPANY $ 1,010 0.00% 0 0
COLUMBIA MUTUAL INSURANCE COMPANY $ 189,217 0.01% 0 0
COLUMBIA NATIONAL INSURANCE COMPANY $ 211,179 0.01% 0 0
CONTINENTAL INSURANCE COMPANY THE $ 22,965 0.00% 0 0
COUNTRY MUTUAL INSURANCE COMPANY $ 23,170,679 0.86% 11 144
CRESTBROOK INSURANCE COMPANY $ 11,826,909 0.44% 0 0
DEPOSITORS INSURANCE COMPANY $ 36,655 0.00% 0 0
DORINCO REINSURANCE COMPANY $ 7,802 0.00% 0 0
ECONOMY PREFERRED INSURANCE COMPANY $ 473,331 0.02% 0 0
ECONOMY PREMIER ASSURANCE COMPANY $ 1,658,868 0.06% 1 183
ELECTRIC INSURANCE COMPANY $ 6,094,587 0.23% 3 149
EMPLOYERS MUTUAL CASUALTY COMPANY $ 43,390 0.00% 0 0
ENCOMPASS INDEMNITY COMPANY $ 8,052,749 0.30% 2 75
ENCOMPASS INSURANCE COMPANY OF AMERICA $ 87,827 0.00% 0 0
ESURANCE INSURANCE COMPANY $ 3,812,946 0.14% 4 318
ESURANCE PROPERTY & CASUALTY INSURANCE COMPANY $ 479,410 0.02% 0 0
EVERETT CASH MUTUAL INSURANCE CO. $ 4,184,142 0.16% 0 0
EXECUTIVE RISK INDEMNITY INC $ 60 0.00% 0 0
FALLS LAKE NATIONAL INSURANCE COMPANY $ 310,676 0.01% 0 0
FARM BUREAU TOWN & COUNTRY INSURANCE COMPANY OF MISSOURI $ 142,436,285 5.28% 40 85
FARMERS GROUP PROPERTY AND CASUALTY INSURANCE COMPANY $ 3,990,292 0.15% 1 76
FARMERS INSURANCE EXCHANGE $ 122,288,167 4.53% 29 72
FARMERS PROPERTY AND CASUALTY INSURANCE COMPANY $ 6,281,634 0.23% 3 145
FCCI INSURANCE COMPANY $ 88,257 0.00% 0 0
FEDERAL INSURANCE COMPANY $ 1,491,502 0.06% 0 0
FIRE INSURANCE EXCHANGE $ 11,758,751 0.44% 8 206
FIREMANS FUND INSURANCE COMPANY $ 1,642,349 0.06% 0 0
FIRST ACCEPTANCE INSURANCE COMPANY INC $ 173 0.00% 0 0
FIRST AMERICAN PROPERTY & CASUALTY INSURANCE COMPANY $ 58,030 0.00% 0 0
FIRST CHICAGO INSURANCE COMPANY $ 3,056 0.00% 0 0
FOREMOST INSURANCE COMPANY GRAND RAPIDS MICHIGAN $ 28,811,909 1.07% 10 105
FOREMOST PROPERTY AND CASUALTY INSURANCE COMPANY $ 1,756,764 0.07% 0 0
GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY $ 11,832,852 0.44% 2 51
GENERAL CASUALTY COMPANY OF WISCONSIN $ 626,450 0.02% 0 0
GENERAL SECURITY NATIONAL INSURANCE COMPANY $ 50,885 0.00% 1 5956
GRANITE STATE INSURANCE COMPANY $ 99,226 0.00% 0 0
GREAT AMERICAN ALLIANCE INSURANCE COMPANY $ 34,915 0.00% 0 0
GREAT AMERICAN ASSURANCE COMPANY $ 70,154 0.00% 1 4320
GREAT AMERICAN INSURANCE COMPANY $ 130,763 0.00% 0 0
GREAT AMERICAN INSURANCE COMPANY OF NEW YORK $ 90,484 0.00% 0 0
GREAT NORTHERN INSURANCE COMPANY $ 7,337,301 0.27% 0 0
GRINNELL MUTUAL REINSURANCE COMPANY $ 398,345 0.01% 0 0
HANOVER INSURANCE COMPANY THE $ 4,560 0.00% 0 0
HARTFORD ACCIDENT & INDEMNITY CO $ 41,649 0.00% 0 0
HARTFORD CASUALTY INSURANCE CO $ 201,516 0.01% 0 0
HARTFORD FIRE INSURANCE COMPANY $ 119,070 0.00% 0 0
HARTFORD INSURANCE COMPANY OF THE MIDWEST $ 1,751,394 0.06% 5 865
HARTFORD UNDERWRITERS INSURANCE COMPANY $ 3,273,749 0.12% 1 93
HAULERS INSURANCE COMPANY INC $ 388,005 0.01% 0 0
HOMESITE INDEMNITY COMPANY $ 6,839,723 0.25% 11 487
HOMESITE INSURANCE COMPANY OF THE MIDWEST $ 22,337,900 0.83% 9 122
HORACE MANN INSURANCE COMPANY $ 1,304,838 0.05% 1 232
HOUSING ENTERPRISE INSURANCE COMPANY INC $ 91,555 0.00% 0 0
ILLINOIS NATIONAL INSURANCE COMPANY $ 1,276 0.00% 0 0
IMPERIUM INSURANCE COMPANY $ 9,898 0.00% 0 0
INDEMNITY INSURANCE COMPANY OF NORTH AMERICA $ 3,801,480 0.14% 1 80
INDEPENDENT MUTUAL FIRE INSURANCE COMPANY $ 27,316 0.00% 0 0
INSURANCE COMPANY OF THE STATE OF PENNSYLVANIA $ 2,160,310 0.08% 0 0
KEMPER INDEPENDENCE INSURANCE COMPANY $ 148,459 0.01% 0 0
LEMONADE INSURANCE COMPANY $ 1,195,526 0.04% 2 507
LIBERTY INSURANCE CORPORATION $ 11,348,124 0.42% 13 347
LIBERTY MUTUAL FIRE INSURANCE COMPANY $ 5,594,093 0.21% 2 108
LIBERTY MUTUAL INSURANCE COMPANY $ 1,839,792 0.07% 2 329
LIBERTY MUTUAL PERSONAL INSURANCE COMPANY $ 27,651,469 1.03% 10 110
LITITZ MUTUAL INSURANCE COMPANY $ 8,435,684 0.31% 2 72
LM INSURANCE CORPORATION $ 5,013,040 0.19% 1 60
LYNDON SOUTHERN INSURANCE COMPANY $ 34,884 0.00% 0 0
MADISON MUTUAL INSURANCE COMPANY $ 2,676,984 0.10% 3 340
MARKEL AMERICAN INSURANCE COMPANY $ 513,814 0.02% 0 0
MARKEL INSURANCE COMPANY $ 214,043 0.01% 0 0
MASSACHUSETTS BAY INSURANCE COMPANY $ 8,277 0.00% 0 0
MID CENTURY INSURANCE COMPANY $ 12,577,329 0.47% 3 72
MIDWEST FAMILY MUTUAL INSURANCE COMPANY $ 442,893 0.02% 0 0
MITSUI SUMITOMO INSURANCE COMPANY OF AMERICA $ 162,836 0.01% 0 0
MUTUALAID EXCHANGE $ 3,834,034 0.14% 1 79
NATIONAL CASUALTY COMPANY $ 287,153 0.01% 0 0
NATIONAL SURETY CORPORATION $ 420,440 0.02% 0 0
NATIONAL TRUST INSURANCE COMPANY $ 469,272 0.02% 0 0
NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG PA $ 575,362 0.02% 0 0
NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA $ 43,418,157 1.61% 12 84
NATIONWIDE AGRIBUSINESS INSURANCE COMPANY $ 23,905,484 0.89% 0 0
NATIONWIDE INSURANCE COMPANY OF AMERICA $ 8,360,369 0.31% 3 109
NATIONWIDE MUTUAL INSURANCE COMPANY $ 22,359,140 0.83% 2 27
NEW HAMPSHIRE INSURANCE COMPANY $ 24,531 0.00% 0 0
NEW HORIZONS INSURANCE COMPANY OF MISSOURI $ 4,591,834 0.17% 3 198
NEW YORK MARINE & GENERAL INSURANCE COMPANY $ 319,946 0.01% 0 0
NORFOLK & DEDHAM MUTUAL FIRE INSURANCE COMPANY $ 734,962 0.03% 0 0
OAK RIVER INSURANCE COMPANY $ 217,639 0.01% 0 0
OHIO CASUALTY INSURANCE COMPANY $ 325,688 0.01% 0 0
OHIO SECURITY INSURANCE COMPANY $ 1,030,330 0.04% 2 588
OLD RELIABLE CASUALTY COMPANY $ 1,602,423 0.06% 4 757
PACIFIC INDEMNITY COMPANY $ 1,934,182 0.07% 0 0
PENN MILLERS INSURANCE COMPANY $ 3,169,637 0.12% 0 0
PENNSYLVANIA LUMBERMENS MUTUAL INSURANCE COMPANY $ 1,470,183 0.05% 0 0
PHARMACISTS MUTUAL INSURANCE COMPANY $ 308,644 0.01% 0 0
PHILADELPHIA INDEMNITY INSURANCE COMPANY $ 25,971 0.00% 0 0
PHOENIX INSURANCE COMPANY THE $ 336,813 0.01% 0 0
PRAETORIAN INSURANCE COMPANY $ 1,111,757 0.04% 1 273
PRIVILEGE UNDERWRITERS RECIPROCAL EXCHANGE $ 8,315,311 0.31% 0 0
PRODUCERS AGRICULTURE INSURANCE COMPANY $ 1,099,471 0.04% 0 0
PROGRESSIVE CASUALTY INSURANCE COMPANY $ 6,701,709 0.25% 7 317
PROPERTY & CASUALTY INSURANCE COMPANY OF HARTFORD $ 6,053,244 0.22% 3 150
QBE INSURANCE CORPORATION $ 907,172 0.03% 1 334
REGENT INSURANCE COMPANY $ 48,111 0.00% 0 0
RLI INSURANCE COMPANY $ 1,199 0.00% 0 0
ROCK RIDGE INSURANCE COMPANY $ 181,532 0.01% 0 0
ROOT INSURANCE COMPANY $ 145,255 0.01% 1 2087
RSUI INDEMNITY COMPANY $ 2,913,616 0.11% 0 0
SAFECO INSURANCE COMPANY OF AMERICA $ 117,829,252 4.37% 21 54
SCOTTSDALE INDEMNITY COMPANY $ 6,208 0.00% 0 0
SECURA INSURANCE COMPANY $ 196,528 0.01% 0 0
SECURA SUPREME INSURANCE COMPANY $ 2,316,131 0.09% 1 131
SENTINEL INSURANCE COMPANY LTD $ 408,174 0.02% 0 0
SHELTER GENERAL INSURANCE COMPANY $ 155,195 0.01% 0 0
SHELTER MUTUAL INSURANCE COMPANY $ 174,501,421 6.47% 30 52
SPINNAKER INSURANCE COMPANY $ 8,511,498 0.32% 2 71
STANDARD FIRE INSURANCE COMPANY $ 6,649,357 0.25% 2 91
STANDARD GUARANTY INSURANCE COMPANY $ 12,328,116 0.46% 0 0
STAR INSURANCE COMPANY $ 11,841 0.00% 0 0
STARNET INSURANCE COMPANY $ 11,243 0.00% 0 0
STARR INDEMNITY & LIABILITY COMPANY $ 1,799 0.00% 0 0
STATE AUTO PROPERTY & CASUALTY INSURANCE COMPANY $ 2,790,269 0.10% 1 109
STATE AUTOMOBILE MUTUAL INSURANCE COMPANY $ 22,810,089 0.85% 5 66
STATE FARM FIRE AND CASUALTY COMPANY $ 623,994,811 23.13% 240 117
STILLWATER INSURANCE COMPANY $ 2,660,100 0.10% 0 0
SWISS RE CORPORATE SOLUTIONS AMERICA INSURANCE CORPORATION $ 31,216 0.00% 0 0
SWISS RE CORPORATE SOLUTIONS ELITE INSURANCE CORPORATION $ 293,055 0.01% 0 0
T.H.E. INSURANCE COMPANY $ 5,221 0.00% 0 0
TEACHERS INSURANCE COMPANY $ 1,852,372 0.07% 0 0
THE PIE INSURANCE COMPANY $ 471,571 0.02% 0 0
TOGGLE INSURANCE COMPANY $ 255,260 0.01% 2 2375
TOWER HILL PRIME INSURANCE COMPANY $ 707,548 0.03% 0 0
TRADERS INSURANCE COMPANY $ 82,245 0.00% 0 0
TRANSGUARD INSURANCE COMPANY OF AMERICA INC $ 94,874 0.00% 0 0
TRAVELERS HOME AND MARINE INSURANCE COMPANY THE $ 41,429,849 1.54% 14 102
TRAVELERS INDEMNITY COMPANY $ 204,430 0.01% 0 0
TRAVELERS INDEMNITY COMPANY OF AMERICA $ 1,211,178 0.04% 0 0
TRAVELERS INDEMNITY COMPANY OF CONNECTICUT $ 239,914 0.01% 0 0
TRAVELERS PERSONAL INSURANCE COMPANY $ 55,197,611 2.05% 22 121
TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA $ 128,669 0.00% 0 0
TRAVELERS PROPERTY CASUALTY INSURANCE COMPANY $ 1,682,442 0.06% 0 0
TRISURA INSURANCE COMPANY $ 5,737 0.00% 0 0
TRUCK INSURANCE EXCHANGE $ 327,302 0.01% 0 0
TRUMBULL INSURANCE COMPANY $ 9,120,665 0.34% 7 233
TWIN CITY FIRE INSURANCE COMPANY $ 1,095,804 0.04% 0 0
UNITED FIRE AND CASUALTY COMPANY $ 1,010,686 0.04% 2 600
UNITED HOME INSURANCE COMPANY $ 7,882,414 0.29% 4 154
UNITED SERVICES AUTOMOBILE ASSOCIATION $ 54,255,604 2.01% 12 67
UNITRIN DIRECT PROPERTY & CASUALTY COMPANY $ 41,627 0.00% 0 0
UNITRIN PREFERRED INSURANCE COMPANY $ 67,176 0.00% 1 4512
UNITRIN SAFEGUARD INSURANCE COMPANY $ 1,810,252 0.07% 0 0
USAA CASUALTY INSURANCE COMPANY $ 33,005,614 1.22% 6 55
USAA GENERAL INDEMNITY COMPANY $ 30,535,248 1.13% 8 79
VAULT RECIPROCAL EXCHANGE $ 41,814 0.00% 0 0
VERLAN FIRE INSURANCE COMPANY $ 257,386 0.01% 0 0
VIGILANT INSURANCE COMPANY $ 1,848,116 0.07% 0 0
WCF SELECT INSURANCE COMPANY $ 37,134 0.00% 0 0
WEST AMERICAN INSURANCE COMPANY $ 130,565 0.00% 0 0
West Bend Insurance Company $ 4,235,291 0.16% 0 0
WESTFIELD INSURANCE COMPANY $ 280,551 0.01% 0 0
WESTPORT INSURANCE CORPORATION $ 440,486 0.02% 0 0
XL SPECIALTY INSURANCE COMPANY $ 2,763 0.00% 0 0
Subtotal for Selection: 100.00% 890
Total for Entire Home Market: 100.00% 890