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A complaint index compares how many confirmed complaints an insurer got with how much business it does. 1.00 is average; below 1 means fewer complaints than expected for its size, above 1 means more. We use the Indiana Department of Insurance's official 2025 index (Indiana policies only), combining each company's insurers into one group figure. We also show California's 2025 justified-complaint rate for auto (complaints per 100,000 insured vehicles; lower is better). It's one signal, not a verdict, and we don't provide quotes.
Indiana DOI per-company indexes: auto: United Serv Automobile Assn 1.22, USAA Cas Ins Co 2.17, USAA Gen Ind Co 1.74; home: United Serv Automobile Assn 0.53, USAA Cas Ins Co 0.34, USAA Gen Ind Co 1.04.
Source: Indiana DOI 2025 Auto Complaint Index (homeowners: in.gov/idoi/files/Homeowners-Complaint-Index-2025.pdf) (checked 2026-10-12)
Here are the facts we could confirm on USAA's own page (2026-10-12): auto complaint index (indiana, 2025): 1.69 (12 complaints on $146M premium); homeowners complaint index (indiana, 2025): 0.63 (6 complaints on $109M premium); auto justified complaints (california, 2025): 2.8 justified complaints per 100,000 insured vehicles (45 complaints; 4 companies); auto complaint index (missouri, 2021–23): 0.98 (75 complaints, 2021–23; 4 companies); homeowners complaint index (missouri, 2021–23): 0.48 (29 complaints, 2021–23; 4 companies); company site: https://www.usaa.com/; quotes: We don't sell or provide quotes. Whether it's good for you depends on what you need; compare it with the alternatives listed.
From Indiana DOI 2025 Auto Complaint Index (homeowners: in.gov/idoi/files/Homeowners-Complaint-Index-2025.pdf) (checked 2026-10-12). “not found” means the page didn't state it.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.