Download entire 2017 Consumer Complaint Report

The DIFP 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 DIFP 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. You can also search complaints by reason.

Line of Insurance:
Company Name:
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Three-year period ending:

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


2009 Complaint Index
An index of 100 is considered average

Company Name Average Annual
Premium Volume
Market Share
Number of Complaints
Subtotal for Selection: $15,2560.00%1
Total for Entire Market: $1,498,188,317 100.00% 1636

View a semicolon-delimited text list to copy into a spreadsheet.