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Shopping for car or home insurance in Michigan? The state's insurance regulator, the Department of Insurance and Financial Services (DIFS), counts the complaints people file about each insurer and divides by how much insurance the company sold in Michigan. That complaint ratio (complaints per $1 million of premium) lets big and small companies be compared: lower is better. All listed auto insurers together come to 0.13; homeowners insurers, 0.17. Below is every insurer on DIFS's 2025 auto and homeowners lists, with a lookup. We don't sell insurance or give quotes.
2025 data · checked Oct. 23, 2026
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| Line | All complaints to DIFS | Insurers listed ($1M+ premium) | Their complaints | Their 2025 premium | Overall ratio |
|---|---|---|---|---|---|
| Auto | 1,781 | 94 | 1,720 | $12,912,554,253 | 0.13 |
| Homeowners | 917 | 70 | 870 | $5,105,064,608 | 0.17 |
“All complaints” is DIFS's statewide count for the line (DIFS 2025 line-of-coverage table), which also includes companies under $1 million of premium. The other columns are our sums of DIFS's two lists (auto, homeowners); the overall ratio is our math.
Sources: DIFS: how complaint ratios work · DIFS 2025 auto list
| Company (legal name) | 2025 premium | Share of listed premium | 2025 complaints | 2025 ratio | 2024 ratio |
|---|---|---|---|---|---|
| STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY | $1,985.5M | 15.4% | 216 | 0.11 | 0.10 |
| PROGRESSIVE MARATHON INSURANCE COMPANY | $1,716.5M | 13.3% | 271 | 0.16 | 0.19 |
| AUTO-OWNERS INSURANCE COMPANY | $1,657.6M | 12.8% | 73 | 0.04 | 0.05 |
| MEMBERSELECT INSURANCE COMPANY | $1,031.5M | 8.0% | 132 | 0.13 | 0.15 |
| PROGRESSIVE MICHIGAN INSURANCE COMPANY | $968.5M | 7.5% | 88 | 0.09 | 0.11 |
| CITIZENS INSURANCE COMPANY OF THE MIDWEST | $643.0M | 5.0% | 54 | 0.08 | 0.07 |
| FARM BUREAU GENERAL INSURANCE COMPANY OF MICHIGAN | $578.5M | 4.5% | 43 | 0.07 | 0.05 |
| ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY | $475.4M | 3.7% | 64 | 0.13 | 0.11 |
| MEEMIC INSURANCE COMPANY | $348.5M | 2.7% | 60 | 0.17 | 0.11 |
| FRANKENMUTH INSURANCE COMPANY | $249.5M | 1.9% | 14 | 0.06 | 0.05 |
| USAA CASUALTY INSURANCE COMPANY | $236.9M | 1.8% | 26 | 0.11 | 0.12 |
| FREMONT INSURANCE COMPANY | $209.5M | 1.6% | 6 | 0.03 | 0.04 |
| Company (legal name) | 2025 premium | Share of listed premium | 2025 complaints | 2025 ratio | 2024 ratio |
|---|---|---|---|---|---|
| AUTO-OWNERS INSURANCE COMPANY | $906.5M | 17.8% | 80 | 0.09 | 0.10 |
| STATE FARM FIRE AND CASUALTY COMPANY | $835.9M | 16.4% | 153 | 0.18 | 0.24 |
| AUTO CLUB INSURANCE ASSOCIATION | $361.9M | 7.1% | 77 | 0.21 | 0.24 |
| CITIZENS INSURANCE COMPANY OF THE MIDWEST | $359.8M | 7.0% | 41 | 0.11 | 0.11 |
| FARM BUREAU GENERAL INSURANCE COMPANY OF MICHIGAN | $259.4M | 5.1% | 51 | 0.20 | 0.20 |
| ALLSTATE VEHICLE AND PROPERTY INSURANCE COMPANY | $233.3M | 4.6% | 67 | 0.29 | 0.33 |
| HOMESITE INSURANCE COMPANY OF THE MIDWEST | $214.5M | 4.2% | 41 | 0.19 | 0.34 |
| FARM BUREAU MUTUAL INSURANCE COMPANY OF MICHIGAN | $144.2M | 2.8% | 6 | 0.04 | 0.07 |
| AMERICAN STRATEGIC INSURANCE CORP. | $138.9M | 2.7% | 34 | 0.24 | 0.27 |
| MEEMIC INSURANCE COMPANY | $127.6M | 2.5% | 37 | 0.29 | 0.17 |
| FRANKENMUTH INSURANCE COMPANY | $126.9M | 2.5% | 12 | 0.09 | 0.10 |
| FREMONT INSURANCE COMPANY | $117.4M | 2.3% | 8 | 0.07 | 0.12 |
Sorted by premium, not by how good they are. “Not listed” in the 2024 column means DIFS's 2024 list had no company with exactly that name. A ratio covers one year of complaints only; it doesn't measure price, claims speed or financial strength.
Facts, not a recommendation. We republish Michigan's official figures with dates and do the arithmetic. No partner links on this page.
It's the number of complaints filed with the Michigan Department of Insurance and Financial Services (DIFS) about an insurer, divided by the insurer's Michigan written premium in millions of dollars. A ratio of 0.10 means 1 complaint for every $10 million of premium. Lower means fewer complaints for the company's size.
DIFS counted 1,781 automobile complaints in 2025 across all companies. Its 2025 auto ratio list covers the 94 insurers with at least $1 million of Michigan premium: 1,720 complaints on $12.91 billion of premium, or 0.13 complaints per $1 million overall (our math).
DIFS counted 917 homeowners complaints in 2025. Its 2025 homeowners list covers 70 insurers: 870 complaints on $5.11 billion of premium, or 0.17 per $1 million overall (our math).
Not necessarily. DIFS says its report does not indicate a finding of fault of either party; it counts complaints filed, taking into account how much business the company does in Michigan. DIFS also suggests comparing premiums, policy benefits, financial stability and service.
With little premium, a few complaints push the ratio up fast. DIFS doesn't list companies under $1 million of premium because those ratios are highly variable. We mark ratios based on fewer than 5 complaints as a small sample.
DIFS asks you to try to settle it with the insurer first. If that fails, file online with DIFS, or call 877-999-6442 (toll-free, Monday-Friday 8 a.m.-5 p.m.) to get a form by mail, email or fax. DIFS contacts the insurer for a written response and sends you a letter with its findings.
No. VaultRubric doesn't sell insurance or provide quotes. This page republishes Michigan's official complaint figures.
Facts, not insurance advice. We don't sell insurance or provide quotes; confirm coverage and requirements with the insurer, an agent or your state insurance department.