State Insurance Department Complaint Index by Company

Every state insurance department publishes, for each licensed insurer and line of business, how many complaints consumers filed against that company and how much premium the company wrote in that state, together with its own summary figure comparing the two. Nobody publishes it across states. Each regulator uses its own file format, its own line-of-business names, its own schedule — and, the part that catches people out, its own arithmetic. Indiana's "Complaint Index" is the company's share of all complaints divided by its share of all premium written in Indiana, so 1.00 is the state average. Michigan's "Complaint Ratio" is complaints per $1 million of written premium, which is a different quantity on a different scale with no meaning at 1.00. Putting those two in one column without saying so would get the asset's whole point wrong. So every record here carries the complaint count and the premium alongside the state's published figure, and quotes the state's own heading for that figure. The raw counts compare across states; the summary figures do not.

The data

Showing the first 400 of 622 records. Every record has its own page, with its source and the quoted line that states it; these list the rest.

• Records 1–400Clear Spring Life & Ann Co · Indiana · Annuity · 2025 … Progressive Southeastern Ins Co · Indiana · Homeowners · 2025
• Records 401–622Property Owners Ins Co · Indiana · Homeowners · 2025 … WILCAC LIFE INSURANCE COMPANY · Michigan · Life · 2025

Where this came from

Every record above links the page it was taken from and quotes the sentence that states it. These are the 10 sources this dataset was assembled from.

• in.govhttps://www.in.gov/idoi/files/Annuity-Complaint-Index-2025.pdf
• difs.state.mi.ushttps://difs.state.mi.us/ComplaintStats/ComplaintRatios/InsuranceCompanyList?coverageType=ANTS&forYear=2025
• in.govhttps://www.in.gov/idoi/files/Auto-Complaint-Index-2025.pdf
• difs.state.mi.ushttps://difs.state.mi.us/ComplaintStats/ComplaintRatios/InsuranceCompanyList?coverageType=AUTO&forYear=2025
• in.govhttps://www.in.gov/idoi/files/Health-Complaint-Index-2025.pdf
• difs.state.mi.ushttps://difs.state.mi.us/ComplaintStats/ComplaintRatios/InsuranceCompanyList?coverageType=ACHL&forYear=2025
• in.govhttps://www.in.gov/idoi/files/Homeowners-Complaint-Index-2025.pdf
• difs.state.mi.ushttps://difs.state.mi.us/ComplaintStats/ComplaintRatios/InsuranceCompanyList?coverageType=HOME&forYear=2025
• in.govhttps://www.in.gov/idoi/files/Life-Complaint-Index-2025.pdf
• difs.state.mi.ushttps://difs.state.mi.us/ComplaintStats/ComplaintRatios/InsuranceCompanyList?coverageType=LIFE&forYear=2025

Machine-readable

• data.jsonThe whole dataset — every record with its source URL and source quote.
• Open Knowledge Format bundleOne JSON object per line — every record's frontmatter and quoted span exactly as it is held here, in one fetch.
• data.csvThe same records as one flat table, for a spreadsheet or a dataframe. The last four columns are the source URL, the quoted sentence it was read from, the date we last checked it, and which columns are our reading rather than the page's words.
• How this is made and checkedWhat "verified against source" does and does not mean.

From your own code

Same records, same quotes, without scraping the page: refsource is on PyPI and npm. Each value comes back carrying the URL it was read from and the sentence on that page that states it — .source and .quote sit on the value itself rather than in a side channel, so the checking step is available instead of skipped.

pip install refsource
refsource lookup state-insurance-complaint-index-by-company company_name="Clear Spring Life & Ann Co"

npx -y refsource lookup state-insurance-complaint-index-by-company company_name="Clear Spring Life & Ann Co"

Set your AI assistant up to use this

Two files and no account. Put this in .mcp.json at the root of your project — Claude Code, Cursor, Windsurf, VS Code and Codex all read that file — and your assistant can look this dataset up instead of recalling it. The server is remote, keyless and read-only.

{
  "mcpServers": {
    "referencesource": {
      "type": "http",
      "url": "https://referencesource.org/mcp"
    }
  }
}

Add to Cursor · or, on the command line: claude mcp add --transport http referencesource https://referencesource.org/mcp --scope project

Then one line in the project's CLAUDE.md or AGENTS.md, so the assistant knows when to reach for it:

When a question needs "State Insurance Department Complaint Index by Company", call the referencesource MCP server at https://referencesource.org/mcp (tool `search_records`, dataset_slug `state-insurance-complaint-index-by-company`) instead of answering from memory — every record it returns carries its source URL and a verbatim quote from that page.

What each tool does, and the servers built over single registers: Connect your AI assistant.

622 records. last verified against source 2026-09-14. due for re-check by 2027-08-26.

Licence. unknown