Highest- and Lowest-Ranked Insurance Companies
The tables below show the automobile and homeowner insurance companies with the highest and lowest number of justified complaints per 100,000 policies. The tables also show the number of policies and the number of complaints determined to be justified or unjustified or that have factual issues in question. The final column shows the percentage of total complaints that were found to be justified.
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AUTOMOBILE
Top 10
Rank: 1
Company: Wawanesa Mutual
Approximate number of policies: 143,371
Justified complaint ratio: 0.0
Number of justified complaints: 0
Number of unjustified complaints: 19
Number of question-of-fact* complaints: 2
% of total complaints found to justified: 0.0%
Rank: 1
Company: American Economy
Approximate number of policies: 74,748
Justified complaint ratio: 0.0
Number of justified complaints: 0
Number of unjustified complaints: 0
Number of question-of-fact* complaints: 1
% of total complaints found to justified: 0.0%
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Rank: 3
Company: 21st Century Casualty
Approximate number of policies: 52,634
Justified complaint ratio: 0.0
Number of justified complaints: 0
Number of unjustified complaints: 9
Number of question-of-fact* complaints: 6
% of total complaints found to justified: 0.0%
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Rank: 4
Company: Calif. Casualty Indemnity
Approximate number of policies: 39,562
Justified complaint ratio: 0.0
Number of justified complaints: 0
Number of unjustified complaints: 5
Number of question-of-fact* complaints: 6
% of total complaints found to justified: 0.0%
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Rank: 5
Company: Amica Mutual
Approximate number of policies: 38,045
Justified complaint ratio: 0.0
Number of justified complaints: 0
Number of unjustified complaints: 10
Number of question-of-fact* complaints: 2
% of total complaints found to justified: 0.0%
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Rank: 6
Company: CSAA
Approximate number of policies: 1,980,902
Justified complaint ratio: 0.8
Number of justified complaints: 16
Number of unjustified complaints: 93
Number of question-of-fact* complaints: 40
% of total complaints found to justified: 10.7%
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Rank: 7
Company: USAA Casualty
Approximate number of policies: 220,791
Justified complaint ratio: 0.9
Number of justified complaints: 2
Number of unjustified complaints: 12
Number of question-of-fact* complaints: 2
% of total complaints found to justified: 12.9%
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Rank: 8
Company: State Farm Mutual
Approximate number of policies: 2,811,468
Justified complaint ratio: 1.1
Number of justified complaints: 32
Number of unjustified complaints: 117
Number of question-of-fact* complaints: 81
% of total complaints found to justified: 13.9%
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Rank: 9
Company: USAA
Approximate number of policies: 342,868
Justified complaint ratio: 1.2
Number of justified complaints: 4
Number of unjustified complaints: 18
Number of question-of-fact* complaints: 9
% of total complaints found to justified: 12.9%
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Rank: 10
Company: California Casualty
Approximate number of policies: 84,542
Justified complaint ratio: 1.2
Number of justified complaints: 1
Number of unjustified complaints: 13
Number of question-of-fact* complaints: 10
% of total complaints found to justified: 4.2%
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Bottom 10
Rank: 41
Company: Hartford Underwriters
Approximate number of policies: 115,853
Justified complaint ratio: 8.6
Number of justified complaints: 10
Number of unjustified complaints: 39
Number of question-of-fact* complaints: 2
% of total complaints found to justified: 19.6%
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Rank: 42
Company: Galway
Approximate number of policies: 53,401
Justified complaint ratio: 9.4
Number of justified complaints: 5
Number of unjustified complaints: 33
Number of question-of-fact* complaints: 14
% of total complaints found to justified: 9.6%
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Rank: 43
Company: Natl. American of Calif.
Approximate number of policies: 60,636
Justified complaint ratio: 9.9
Number of justified complaints: 6
Number of unjustified complaints: 18
Number of question-of-fact* complaints: 10
% of total complaints found to justified: 17.6%
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Rank: 44
Company: Pacific Specialty
Approximate number of policies: 75,600
Justified complaint ratio: 10.6
Number of justified complaints: 8
Number of unjustified complaints: 41
Number of question-of-fact* complaints: 8
% of total complaints found to justified: 14.0%
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Rank: 45
Company: Clarendon National
Approximate number of policies: 126,842
Justified complaint ratio: 14.2
Number of justified complaints: 18
Number of unjustified complaints: 71
Number of question-of-fact* complaints: 22
% of total complaints found to justified: 16.2%
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Rank: 46
Company: Coast National
Approximate number of policies: 182,321
Justified complaint ratio: 15.9
Number of justified complaints: 29
Number of unjustified complaints: 124
Number of question-of-fact* complaints: 38
% of total complaints found to justified: 15.2%
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Rank: 47
Company: TIG Premier
Approximate number of policies: 56,917
Justified complaint ratio: 17.6
Number of justified complaints: 10
Number of unjustified complaints: 7
Number of question-of-fact* complaints: 7
% of total complaints found to justified: 41.7%
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Rank: 48
Company: Sterling Casualty
Approximate number of policies: 52,585
Justified complaint ratio: 26.6
Number of justified complaints: 14
Number of unjustified complaints: 41
Number of question-of-fact* complaints: 12
% of total complaints found to justified: 20.9
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Rank: 49
Company: Superior
Approximate number of policies: 72,905
Justified complaint ratio: 38.4
Number of justified complaints: 28
Number of unjustified complaints: 45
Number of question-of-fact* complaints: 14
% of total complaints found to justified: 32.2
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Rank: 50
Company: TIG Specialty
Approximate number of policies: 39,529
Justified complaint ratio: 53.1
Number of justified complaints: 21
Number of unjustified complaints: 45
Number of question-of-fact* complaints: 17
% of total complaints found to justified: 25.3%
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HOMEPWNERS
Top 10
Rank: 1
Company: USAA
Approximate number of policies: 171,212
Justified complaint ratio: 0.0
Number of justified complaints: 0
Number of unjustified complaints: 8
Number of question-of-fact* complaints: 3
% of total complaints found to justified: 0.0%
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Rank: 2
Company: USAA Casualty
Approximate number of policies: 82,498
Justified complaint ratio: 0.0
Number of justified complaints: 0
Number of unjustified complaints: 1
Number of question-of-fact* complaints: 0
% of total complaints found to justified: 0.0%
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Rank: 3
Company: Associated Indemnty
Approximate number of policies: 66,756
Justified complaint ratio: 0.0
Number of justified complaints: 0
Number of unjustified complaints: 1
Number of question-of-fact* complaints: 1
% of total complaints found to justified: 0.0%
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Rank: 4
Company: TIG
Approximate number of policies: 51,744
Justified complaint ratio: 0.0
Number of justified complaints: 0
Number of unjustified complaints: 9
Number of question-of-fact* complaints: 3
% of total complaints found to justified: 0.0%
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Rank: 5
Company: California Casualty
Approximate number of policies: 48,224
Justified complaint ratio: 0.0
Number of justified complaints: 0
Number of unjustified complaints: 9
Number of question-of-fact* complaints: 3
% of total complaints found to justified: 0.0%
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Rank: 6
Company: Residence Mutual
Approximate number of policies: 32,399
Justified complaint ratio: 0.0
Number of justified complaints: 0
Number of unjustified complaints: 6
Number of question-of-fact* complaints: 2
% of total complaints found to justified: 0.0%
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Rank: 7
Company: Western Mutual
Approximate number of policies: 30,458
Justified complaint ratio: 0.0
Number of justified complaints: 0
Number of unjustified complaints: 8
Number of question-of-fact* complaints: 4
% of total complaints found to justified: 0.0%
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Rank: 8
Company: Standard Fire
Approximate number of policies: 30,128
Justified complaint ratio: 0.0
Number of justified complaints: 0
Number of unjustified complaints: 0
Number of question-of-fact* complaints: 1
% of total complaints found to justified: 0.0%
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Rank: 9
Company: Neighborhood Spirit Prop.
Approximate number of policies: 29,857
Justified complaint ratio: 0.0
Number of justified complaints: 0
Number of unjustified complaints: 2
Number of question-of-fact* complaints: 1
% of total complaints found to justified: 0.0%
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Rank: 10
Company: Unigard Indemnity
Approximate number of policies: 27,368
Justified complaint ratio: 0.0
Number of justified complaints: 0
Number of unjustified complaints: 1
Number of question-of-fact* complaints: 1
% of total complaints found to justified: 0.0%
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Bottom 10
Rank: 41
Company: Mercury Casualty
Approximate number of policies: 16,898
Justified complaint ratio: 5.9
Number of justified complaints: 1
Number of unjustified complaints: 5
Number of question-of-fact* complaints: 0
% of total complaints found to justified: 16.7%
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Rank: 42
Company: American Manuf. Mutual
Approximate number of policies: 31,514
Justified complaint ratio: 6.3
Number of justified complaints: 2
Number of unjustified complaints: 1
Number of question-of-fact* complaints: 1
% of total complaints found to justified: 50.0%
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Rank: 43
Company: American Bankers of Fla.
Approximate number of policies: 3,355
Justified complaint ratio: 6.6
Number of justified complaints: 2
Number of unjustified complaints: 2
Number of question-of-fact* complaints: 1
% of total complaints found to justified: 40.0%
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Rank: 44
Company: Twentieth Century
Approximate number of policies: 57,520
Justified complaint ratio: 7.0
Number of justified complaints: 4
Number of unjustified complaints: 15
Number of question-of-fact* complaints: 18
% of total complaints found to justified: 10.8%
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Rank: 45
Company: Calfarm
Approximate number of policies: 32,880
Justified complaint ratio: 9.1
Number of justified complaints: 3
Number of unjustified complaints: 11
Number of question-of-fact* complaints: 3
% of total complaints found to justified: 17.6%
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Rank: 46
Company: Farmers Insurance Exch.**
Approximate number of policies: 185,781
Justified complaint ratio: 11.3
Number of justified complaints: 21
Number of unjustified complaints: 40
Number of question-of-fact* complaints: 23
% of total complaints found to justified: 25.0%
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Rank: 47
Company: Clarendon National
Approximate number of policies: 24,833
Justified complaint ratio: 12.1
Number of justified complaints: 3
Number of unjustified complaints: 15
Number of question-of-fact* complaints: 4
% of total complaints found to justified: 13.6%
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Rank: 48
Company: State Farm Fire & Cas.**
Approximate number of policies: 60,528
Justified complaint ratio: 14.9
Number of justified complaints: 9
Number of unjustified complaints: 48
Number of question-of-fact* complaints: 42
% of total complaints found to justified: 9.1%
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Rank: 49
Company: Five Star
Approximate number of policies: 17,574
Justified complaint ratio: 17.1
Number of justified complaints: 3
Number of unjustified complaints: 6
Number of question-of-fact* complaints: 3
% of total complaints found to justified: 25.0%
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Rank: 50
Company: Pacific Specialty
Approximate number of policies: 36,468
Justified complaint ratio: 41.1
Number of justified complaints: 15
Number of unjustified complaints: 27
Number of question-of-fact* complaints: 16
% of total complaints found to justified: 25.9%
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* Question-of-fact complaints were not settled. Some may be steeled in court.
** These are small divisions of much larger companies that rank higher in the survey. State Farm General ranks 21st and Farmers’ Fire Insurance ranks 33rd.
Note: For those companies without a ratio, ranking is done by the policy or exposure count. THe CDI Complaint Study covers complaints closed from Jan. 1 through June 30, 1998. Moreinformation can be found at https://www.insurance.ca.gov/docssum.htm
