What Is the NAIC Complaint Index?
NAIC compiles closed, confirmed consumer complaints about insurance carriers from state insurance departments and publishes counts and a complaint index. The index is not a complete claims-quality score and should not be the only comparison factor.
What Does the NAIC Complaint Index Count?
NAIC collects closed, confirmed complaints about insurance carriers from state insurance departments and shows them by state, company, and insurance type for the past three years.[1][2]
Use the index as one comparison factor, not the only one. An index can move because that company's complaints or premiums changed, or because the wider market for that type of insurance changed.[1]
What Does the NAIC Complaint Index Not Prove?
These reports cover closed, confirmed complaint information supplied by state insurance departments; they are not a complete record of every complaint or outcome. A carrier report is not a complaint score for a named broker or managing general agent.[1][2]
Raw counts are not comparable across differently sized books without premium context.[1]
What Should You Confirm About the NAIC Complaint Index?
Name the legal entity, insurance type, three-year window, and whether the figure is a count or an index. Use it as one sourced input, not as a claims-quality rating.[1]
Sources for the NAIC Complaint Index Definition
- How to File a Complaint and Research Complaints Against Insurance Carriers. National Association of Insurance Commissioners; NAIC compiles closed, confirmed complaint information about insurance carriers from state insurance departments; CIS lookup by state, company, and insurance type for the past three years; complaint-index caveats including market-wide fluctuations and not using one factor. Accessed 2026-09-21. Source 1.
- Closed Confirmed Consumer Complaints by Disposition. National Association of Insurance Commissioners; NAIC produces reports combining data submitted by state insurance departments about common closed complaints by reason and type of insurance and how complaints were resolved. Accessed 2026-09-21. Source 2.