How is the ranking decided?
Ranked by the 2025 Indiana complaint index (lowest first). 1.00 is the Indiana median. Exactly the complaints expected for a company’s size in Indiana. Below 1.00 means fewer complaints than expected; above 1.00 means more. This page is not a price comparison (we do not hold per-carrier prices), a recommendation to buy from any company, or a verdict on coverage quality. To compare quotes, see compare car insurance; for Indiana’s state rules, see insurance in Indiana.
| Rank | Company (legal entity) | 2025 index | Band | Indiana premium 2025 | Closed complaints 2025 | AM Best |
|---|---|---|---|---|---|---|
| 1 | United Farm Family Mutual Insurance Co (NAIC 15288) | 0.23 | Fewer complaints than expected ⚠️ | $442,052,091 | 5 | Check the current rating at ambest.com |
| 2 | American Economy Insurance Co (NAIC 19690) | 0.35 | Fewer complaints than expected ⚠️ | $58,476,766 | 1 | Check the current rating at ambest.com |
| 3 | Indiana Farmers Mutual Insurance Co (NAIC 22624) | 0.41 | Fewer complaints than expected ⚠️ | $101,678,279 | 2 | Check the current rating at ambest.com |
| 4 | Auto-Owners Insurance Co (NAIC 18988) | 0.47 | Fewer complaints than expected ⚠️ | $218,686,817 | 5 | Check the current rating at ambest.com |
| 5 | Allstate North American Insurance Co (NAIC 11110) | 0.64 | Fewer complaints than expected ⚠️ | $97,136,396 | 3 | Check the current rating at ambest.com |
| 6 | Progressive Southeastern Insurance Co (NAIC 38784) | 0.65 | Fewer complaints than expected | $601,997,748 | 19 | Check the current rating at ambest.com |
| 7 | State Farm Mutual Automobile Insurance Co (NAIC 25178) | 0.67 | Fewer complaints than expected | $1,196,624,761 | 39 | Check the current rating at ambest.com |
| 8 | Safeco Insurance Co of Indiana (NAIC 11215) | 0.79 | Fewer complaints than expected ⚠️ | $78,323,085 | 3 | Check the current rating at ambest.com |
| 9 | Allstate Property & Casualty Insurance Co (NAIC 17230) | 0.81 | Fewer complaints than expected | $305,478,511 | 12 | Check the current rating at ambest.com |
| 10 | Erie Insurance Exchange (NAIC 26271) | 0.82 | Fewer complaints than expected | $301,553,194 | 12 | Check the current rating at ambest.com |
| 11 | Standard Fire Insurance Co (NAIC 19070) | 0.87 | Fewer complaints than expected ⚠️ | $71,112,579 | 3 | Check the current rating at ambest.com |
| 12 | GEICO Marine Insurance Co (NAIC 37923) | 1.06 | About as expected ⚠️ | $58,268,676 | 3 | Check the current rating at ambest.com |
| 13 | Progressive Paloverde Insurance Co (NAIC 44695) | 1.11 | About as expected | $651,807,758 | 35 | Check the current rating at ambest.com |
| 14 | GEICO Advantage Insurance Co (NAIC 14138) | 1.18 | About as expected ⚠️ | $70,136,386 | 4 | Check the current rating at ambest.com |
| 15 | State Farm Fire & Casualty Co (NAIC 25143) | 1.19 | About as expected ⚠️ | $52,067,477 | 3 | Check the current rating at ambest.com |
| 16 | United Services Automobile Association (NAIC 25941) | 1.22 | About as expected ⚠️ | $50,797,317 | 3 | Check the current rating at ambest.com |
| 17 | Liberty Mutual Personal Insurance Co (NAIC 12484) | 1.47 | About as expected ⚠️ | $56,185,790 | 4 | Check the current rating at ambest.com |
| 18 | GEICO Indemnity Co (NAIC 22055) | 1.60 | More complaints than expected ⚠️ | $64,535,876 | 5 | Check the current rating at ambest.com |
| 19 | GEICO Secure Insurance Co (NAIC 14137) | 2.48 | Most complaints ⚠️ | $66,701,917 | 8 | Check the current rating at ambest.com |
| 20 | Integon Indemnity Corp (NAIC 22772) | 3.99 | Most complaints | $51,825,313 | 10 | Check the current rating at ambest.com |
⚠️ “Based on fewer than 10 complaints, read with caution.” A company with 1 complaint against $58M of premium scores 0.35; that number is arithmetically correct and practically fragile. One more complaint would move it sharply. Flagged companies are never placed in the top band, however low their index is.
Bands: Below 0.50: fewest complaints · 0.50-0.99: fewer complaints than expected · 1.00-1.49: about as expected · 1.50-1.99: more complaints than expected · 2.00 and above: most complaints. No company on this page earns the top “Fewest complaints” band: every company below 0.50 has fewer than 10 complaints, so the band is empty by rule. That is the rule working, not a mistake.
What does this page find?
Among Indiana auto insurers with enough complaints to read reliably (10 or more in 2025), Progressive Southeastern (0.65) and State Farm Mutual Auto (0.67) drew the fewest complaints relative to their size. Allstate Property & Casualty (0.81) and Erie Insurance Exchange (0.82) are close behind. Integon Indemnity (3.99) drew the most.
GEICO has no single Indiana index. Six GEICO writing companies appear in Indiana with indexes from 1.06 (GEICO Marine) to 2.48 (GEICO Secure). Any page that prints one “GEICO complaint index” without naming the company is hiding this spread.
Progressive is two different companies in Indiana, and they point in opposite directions: Progressive Southeastern 0.65, Progressive Paloverde 1.11. Same brand, different books of business, different complaint records.
526 companies with zero complaints are not in this table. The Indiana report itself excludes them. A company absent from this page may have had no complaints, or may have written too little premium to appear. Absence is not a score.
Why this number may differ from numbers you have seen elsewhere?
State Farm Mutual Auto’s index is 0.67 in Indiana in 2025. The same company’s national index for 2025 is reported as 0.59 by one compilation (dreamyleads.com, retrieved Sep 10, 2026) and 0.79 by another (CarInsurance.com compilation, Aug 2026). These are not contradictions: Indiana and national are different denominators, and the compilations pick different entities and years. This page states its scope (Indiana, 2025, named entity) so the reader can check it. Any complaint figure without a stated scope, entity, and year cannot be compared with this one. Secondary compilations are not used as data on this page: every figure here is copied from the official Indiana DOI PDF.
Which companies were considered but not ranked?
GEICO Choice Insurance Co (NAIC 14139), index 1.84, 3 complaints, $33,670,385 premium: below the $50M state-premium threshold for this page. GEICO Casualty Co (NAIC 41491), index 1.35, 2 complaints, $30,711,291 premium: below the threshold. Government Employees Insurance Co (NAIC 22063), index 0.81, 1 complaint, $25,458,253 premium: below the threshold. All other Indiana auto writers below $50M premium are excluded by the same rule. The full Indiana report lists every company with at least one complaint; the PDF is linked below.
How does the ranking work?
Source: Indiana Department of Insurance, 2025 Auto Complaint Index (PDF). The index is a company’s share of Indiana complaints divided by its share of Indiana premium in the line. 1.00 is the Indiana median. Ranking metric (this demonstration): the single-year 2025 index, lowest first. National pages rank on the 3-year average (2023-2025) from NAIC CIS; this page is one year in one state because that is the complete dataset obtained for this example. See the full ratings methodology.
Entity rule: every figure is recorded against the legal entity name and NAIC company code, never a brand name alone. Inclusion (this page): Indiana private-passenger-auto premium of at least $50M in 2025 and at least 1 closed confirmed complaint (the report only lists companies with complaints). National pages use at least $100M premium and at least 10 complaints over three years. The Indiana report marks companies with premiums under $1 million as “did not calculate”; none of those companies meets this page’s $50M threshold.
AM Best: the financial-strength column is a link to ambest.com. We do not print AM Best letter ratings: AM Best ratings are proprietary and may not be reproduced without written permission, which we have not yet received. When permission is granted, letters will appear here with the required licence notice. J.D. Power: no J.D. Power column on this page. J.D. Power scores are national; this page is Indiana-only, and mixing a national satisfaction score into a state table would mislead. The column appears on national pages only, for companies the study publicly named. No paid placement: no company pays for placement, a band, or a mention. No score where data is missing: a missing figure is shown as “No data” and the company is not ranked. Nothing is estimated, averaged in, or filled from another source.
What does the complaint index measure, and what does it not measure?
It measures complaints that reached the Indiana Department of Insurance and were confirmed. It misses unhappy customers who never complained to a regulator. It is size-adjusted: a large insurer is not punished for having more policyholders. It says nothing about price, coverage, or claims-payment speed. Use it alongside a quote, not instead of one. It is published per calendar year, so a company that is getting better or worse shows up 6-18 months late.
What the index measures, and what it does not:
- It measures complaints that reached the Indiana Department of Insurance and were confirmed
- It misses unhappy customers who never complained to a regulator
- It is size-adjusted: a large insurer is not punished for having more policyholders
- It says nothing about price, coverage, or claims-payment speed
Sources
Indiana Department of Insurance, 2025 Auto Complaint Index (PDF) (in.gov/idoi/files/Auto-Complaint-Index-2025.pdf) retrieved 2026-11-08. Subtotal: $5,456,510,342 premium / 322 complaints (companies with complaints); total including 526 zero-complaint companies: $6,618,399,016. Premiums are Indiana private-passenger-auto direct premiums from the Property & Casualty Annual Statement, Page 19, Lines 19.1-19.4 and 21.1, as stated in the PDF. NAIC Consumer Information Source, content.naic.org/cis_consumer_information.htm (national index; not used for the figures on this page). AM Best rating lookup: ambest.com (link-out; letters not reproduced pending permission). Full methodology (version 1.0): ratings methodology.
Corrections
If a figure on this page is wrong, tell us at hello@countrypilot.net. Corrections are made with a dated note; the old figure is not silently overwritten.