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