Texas drivers filed 55.6% more confirmed complaints against their auto insurers in 2025 than in 2024, while the number of policies barely moved. That is the headline from the Texas Department of Insurance’s open complaint-index dataset, which we downloaded on October 28, 2026 and ranked for every auto insurer with at least 10,000 policies in force.
This study is for educational purposes only and is not personalized insurance advice. We are not licensed insurance agents. Complaint data is one input among many; price, coverage and your own driving profile matter too.
Key Findings
- Complaints rose far faster than the market. Texas auto insurers drew 2,481 confirmed complaints on 15,057,105 policies in 2025, against 1,594 on 14,909,445 in 2024. Complaints rose 55.6%; policies rose 1.0%.
- It is not one company. Take out the single largest contributor, Tesla Property & Casualty, and confirmed complaints still rose 46.5% (1,529 to 2,240).
- Tesla Property & Casualty had the highest index of any sizable insurer: 36.24. It held 0.27% of Texas auto policies (40,364) but drew 9.7% of all confirmed auto complaints (241). Its index was 14.28 in 2024.
- The biggest writer had one of the lowest indexes. State Farm Mutual Automobile Insurance Company, with 4.04 million policies, had an index of 0.30: 201 complaints, or about 0.5 per 10,000 policies.
- Of the 67 insurers ranked, 37 were at or below the 1.00 average and 30 were above it. Six drew no confirmed complaints at all.
How the Texas Complaint Index Works
TDI states the method in its dataset notes: “The complaint index is calculated by dividing the company’s percentage of complaints for a specific line of insurance by the company’s percentage of policies in force for the same line of insurance. The average index is 1.00.”
In plain terms, the index answers one question: does this company draw more complaints than its size would predict? A worked example from the 2025 auto data:
- State Farm Mutual drew 201 of the 2,481 confirmed auto complaints, or 8.10% of them.
- It held 4,040,188 of the 15,057,105 auto policies, or 26.83% of them.
- 8.10% ÷ 26.83% = 0.30. State Farm Mutual drew about 30% as many complaints as an average insurer of its size.
Three things the index does not tell you:
- Only confirmed complaints count. TDI describes the figure as “the number of complaints that TDI confirmed against a licensed carrier.” Complaints a policyholder never filed with the state, or that TDI did not confirm, are not in it.
- Small numbers swing hard. One complaint against a company with 11,000 policies moves its index far more than ten complaints against State Farm. That is why we ranked only insurers with 10,000 or more policies, which together hold 97.6% of Texas auto policies.
- It is reported by legal company, not by brand. More on that below.
For how this ratio compares with the NAIC’s national index and California’s ratio, see our guide to insurance complaint indexes.
The 12 Largest Auto Insurers in Texas
These 12 legal entities hold 11.30 million of the state’s 15.06 million auto policies. Green bars are at or below the average, amber is up to twice the average, and red is above that.
The 12 largest writers
Two of the three largest writers, State Farm Mutual (0.30) and Progressive County Mutual (0.66), sit well below the average, and GEICO Texas County Mutual is at 0.60. Old American County Mutual Fire Insurance Company stands out among the big names at 2.73, up from 2.03 in 2024.
A Note on County Mutuals
Eight of the 12 largest names are county mutual companies, a Texas company type. TDI’s private passenger auto statistical plan manual explains why they matter: some county mutuals “sell their paper” to managing general agents (MGAs). The MGA “establishes the underwriting guidelines and rates for the program,” and “for a fee to the County Mutual, the MGA sells insurance using the County Mutual’s name.” TDI calls this “fronting.”
So the company on a complaint record may not be the brand you bought from. TDI’s rate-filing product names page, for example, lists 27 agency names, including Root and Tesla, that file auto rates through Redpoint County Mutual. Redpoint’s index of 1.55 blends all of those programs together.
The Outliers
Eight insurers with at least 10,000 policies had an index above 2.9. The bar for Tesla is cut off at 12 so the others stay readable.
Highest complaint indexes (10,000+ policies)
- Tesla Property & Casualty, Inc.: 36.24. 241 confirmed complaints on 40,364 policies, up from 65 complaints on 42,589 policies in 2024. Tesla’s own 2025 Form 10-K exhibit lists Tesla Property & Casualty as a subsidiary. California’s regulator separately brought enforcement actions against Tesla’s insurance companies in October 2025. Our Tesla Insurance review puts the Texas and California figures side by side.
- Loya Insurance Company: 7.78. 209 complaints on 163,131 policies, the third-highest raw count in the state behind Progressive County Mutual and Tesla, and up from 117 in 2024. For what that means for Fred Loya Insurance customers, see our Fred Loya review.
- GoAuto Insurance Company: 3.34 and Infinity County Mutual: 3.06. Both are non-standard auto writers; Infinity’s index was essentially unchanged from 3.07 in 2024. See our reviews of GoAuto and Infinity.
- Vision (10.30), Anchor General (10.00) and First Chicago (7.22) each have between 10,900 and 12,800 policies, so their indexes rest on 13 to 21 complaints apiece.
Complaints Climbed Across the Market
The rise was not limited to auto. TDI’s homeowners data shows the same pattern, with confirmed complaints up 57.3% on flat policy counts (see our Texas homeowners complaint index).
Confirmed complaints per 10,000 policies
TDI’s dataset does not say why complaints rose, and we are not going to guess. What it does show is that the increase was broad: Progressive County Mutual went from 212 to 362 complaints, GEICO Texas County Mutual from 27 to 84, Old American County Mutual from 60 to 145, and Loya from 117 to 209.
The Big Brands, Combined
Shoppers buy brands, not legal entities. To approximate a brand view, we added up every 2025 auto entity whose legal name contains the brand, then recalculated the index against the 2025 market average. We only did this where the name match is unambiguous. Affiliates with different names (for example, a county mutual that fronts for a brand) are not included, so treat these as partial.
| Brand (entities included) | Policies | Confirmed complaints | Combined index 2025 | Combined index 2024 |
|---|---|---|---|---|
| State Farm (3) | 4,195,397 | 228 | 0.33 | 0.49 |
| Texas Farm Bureau (3) | 302,768 | 26 | 0.52 | 0.67 |
| Progressive (1) | 3,306,121 | 362 | 0.66 | 0.67 |
| GEICO and Government Employees (8) | 1,330,808 | 167 | 0.76 | 0.50 |
| Allstate (5) | 825,272 | 113 | 0.83 | 0.86 |
| USAA and United Services Automobile Association (3) | 704,512 | 160 | 1.38 | 1.81 |
GEICO’s combined index rose from 0.50 to 0.76, the largest deterioration among these brands, but it is still below average. USAA’s improved from 1.81 to 1.38 and remains above average. For how these carriers compare on price, claims satisfaction and digital tools, see our best car insurance ranking, our USAA review and our GEICO review.
Full Ranking: Every Texas Auto Insurer With 10,000+ Policies
Sorted from the lowest complaint index to the highest. Ties are broken by size. One entity, Chubb Seguros Mexico, S.A., had 12,307 policies but no complaint count or index in the dataset and is left out. A dash in the 2024 column means the company did not appear in the 2024 auto data.
| Rank | Insurer (legal entity) | Policies in force | Confirmed complaints | Complaint index 2025 | Index 2024 |
|---|---|---|---|---|---|
| 1 | Germania Select Insurance Company | 53,543 | 0 | 0.00 | 0.27 |
| 2 | Foremost Insurance Company Grand Rapids, Michigan | 44,291 | 0 | 0.00 | 0.42 |
| 3 | HDI Seguros, S.A. de C.V. | 24,625 | 0 | 0.00 | 0.00 |
| 4 | Philadelphia Indemnity Insurance Company | 17,625 | 0 | 0.00 | 0.00 |
| 5 | American Family Home Insurance Company | 14,068 | 0 | 0.00 | 0.00 |
| 6 | Farm Bureau County Mutual Insurance Company of Texas | 11,102 | 0 | 0.00 | 0.00 |
| 7 | GEICO Indemnity Company | 69,269 | 1 | 0.09 | 0.00 |
| 8 | Allstate Property and Casualty Insurance Company | 53,784 | 1 | 0.11 | 0.32 |
| 9 | Texas Farm Bureau Casualty Insurance Company | 51,777 | 1 | 0.12 | 0.46 |
| 10 | Essentia Insurance Company | 94,119 | 2 | 0.13 | 0.09 |
| 11 | Incline Casualty Company | 33,989 | 1 | 0.18 | 0.00 |
| 12 | Allstate County Mutual Insurance Company | 203,656 | 8 | 0.24 | 0.48 |
| 13 | Hartford Fire Insurance Company | 42,391 | 2 | 0.29 | 0.21 |
| 14 | State Farm Mutual Automobile Insurance Company | 4,040,188 | 201 | 0.30 | 0.48 |
| 15 | Texas Farm Bureau Underwriters | 173,765 | 10 | 0.35 | 0.27 |
| 16 | Cimarron Insurance Company, Inc. | 16,668 | 1 | 0.36 | 0.00 |
| 17 | Dairyland County Mutual Insurance Company of Texas | 73,668 | 5 | 0.41 | 0.73 |
| 18 | Nationwide Mutual Insurance Company | 14,774 | 1 | 0.41 | 1.03 |
| 19 | Agricultural Workers Mutual Auto Insurance Company | 14,624 | 1 | 0.42 | 1.19 |
| 20 | GEICO Advantage Insurance Company | 14,570 | 1 | 0.42 | 0.50 |
| 21 | Allstate Indemnity Company | 55,258 | 4 | 0.44 | 0.44 |
| 22 | Safeway Insurance Company | 13,778 | 1 | 0.44 | 0.00 |
| 23 | Mid-Century Insurance Company of Texas | 184,315 | 14 | 0.46 | 0.65 |
| 24 | Young America Insurance Company | 12,180 | 1 | 0.50 | 0.00 |
| 25 | Elephant Insurance Company | 11,272 | 1 | 0.54 | 0.66 |
| 26 | GEICO Texas County Mutual Insurance Company | 855,054 | 84 | 0.60 | 0.43 |
| 27 | Alinsco Insurance Company | 48,896 | 5 | 0.62 | 1.13 |
| 28 | Progressive County Mutual Insurance Company | 3,306,121 | 362 | 0.66 | 0.67 |
| 29 | Foremost County Mutual Insurance Company | 267,286 | 29 | 0.66 | 0.58 |
| 30 | Colonial County Mutual Insurance Company | 27,005 | 3 | 0.67 | 0.55 |
| 31 | Government Employees Insurance Company | 71,227 | 8 | 0.68 | 0.57 |
| 32 | Consumers County Mutual Insurance Company | 176,663 | 20 | 0.69 | 0.72 |
| 33 | Trumbull Insurance Company | 25,668 | 3 | 0.71 | 0.55 |
| 34 | Amica Mutual Insurance Company | 40,049 | 5 | 0.76 | 0.82 |
| 35 | Hochheim Prairie Casualty Insurance Company | 14,932 | 2 | 0.81 | 0.45 |
| 36 | Integon Indemnity Corporation | 13,666 | 2 | 0.89 | 1.88 |
| 37 | Mercury County Mutual Insurance Company | 47,087 | 7 | 0.90 | 0.40 |
| 38 | State Farm County Mutual Insurance Company of Texas | 155,206 | 26 | 1.02 | 0.52 |
| 39 | Falcon Insurance Company | 52,394 | 9 | 1.04 | 2.41 |
| 40 | Farmers Property and Casualty Insurance Company | 22,719 | 4 | 1.07 | 2.16 |
| 41 | Farmers Texas County Mutual Insurance Company | 164,219 | 31 | 1.15 | 1.00 |
| 42 | Allstate Fire and Casualty Insurance Company | 505,836 | 97 | 1.16 | 0.95 |
| 43 | Clearcover Insurance Company | 10,460 | 2 | 1.16 | 2.49 |
| 44 | United Services Automobile Association | 241,317 | 47 | 1.18 | 1.64 |
| 45 | Texas Farm Bureau Mutual Insurance Company | 77,226 | 15 | 1.18 | 1.63 |
| 46 | Liberty County Mutual Insurance Company | 229,570 | 46 | 1.22 | 0.77 |
| 47 | MGA Insurance Company, Inc. | 41,146 | 9 | 1.33 | 3.14 |
| 48 | GEICO County Mutual Insurance Company | 308,449 | 69 | 1.36 | 0.62 |
| 49 | USAA Casualty Insurance Company | 254,367 | 59 | 1.41 | 2.11 |
| 50 | Home State County Mutual Insurance Company | 364,198 | 87 | 1.45 | 2.67 |
| 51 | American Family Connect Property and Casualty Insurance Company | 20,869 | 5 | 1.45 | 1.46 |
| 52 | Auto Club County Mutual Insurance Company | 232,224 | 56 | 1.46 | 1.30 |
| 53 | American Access Casualty Company | 53,625 | 13 | 1.47 | 1.19 |
| 54 | Redpoint County Mutual Insurance Company | 606,304 | 155 | 1.55 | 1.35 |
| 55 | USAA General Indemnity Company | 208,828 | 54 | 1.57 | 1.65 |
| 56 | GM National Insurance Company | 11,567 | 3 | 1.57 | 0.00 |
| 57 | Garrison Property and Casualty Insurance Company | 182,037 | 51 | 1.70 | 1.93 |
| 58 | First Acceptance Insurance Company, Inc. | 17,093 | 6 | 2.13 | 0.00 |
| 59 | Old American County Mutual Fire Insurance Company | 322,095 | 145 | 2.73 | 2.03 |
| 60 | Hallmark County Mutual Insurance Company | 10,139 | 5 | 2.99 | 0.57 |
| 61 | Infinity County Mutual Insurance Company | 65,556 | 33 | 3.06 | 3.07 |
| 62 | GoAuto Insurance Company | 67,269 | 37 | 3.34 | 2.37 |
| 63 | First Chicago Insurance Company | 10,923 | 13 | 7.22 | 12.86 |
| 64 | Loya Insurance Company | 163,131 | 209 | 7.78 | 6.09 |
| 65 | Anchor General Insurance Company | 12,745 | 21 | 10.00 | 6.01 |
| 66 | Vision Insurance Company | 11,789 | 20 | 10.30 | 8.35 |
| 67 | Tesla Property & Casualty, Inc. | 40,364 | 241 | 36.24 | 14.28 |
How to Use This When You Shop
- Find the legal insurer. It is printed on your declarations page or quote, and it is often not the brand name.
- Look it up in this table, or in TDI’s own company lookup, which also links the NAIC’s multi-state complaint search.
- Read the count and the index together. An index of 3.0 built on three complaints is weak evidence; an index of 7.78 built on 209 is strong.
- Compare like with like. Non-standard insurers, which take drivers other companies decline, are not directly comparable with preferred-market carriers. If you are in that market, compare non-standard carriers with each other: our Dairyland review and National General review cover two more.
- Use it as a filter, not a verdict. A low index says the state rarely confirmed complaints against the company. It does not say the company is cheapest for you.
Methodology
- Source. TDI’s open dataset Complaint indexes and policy counts for insurance companies (data.texas.gov ID
pa9u-9s9w), downloaded through its public API on October 28, 2026. The dataset reports, by company, line and year, confirmed complaints, policies in force at December 31 and TDI’s complaint index. - Scope. Line of coverage “Automobile,” years 2024 and 2025. 2025 has 493 companies; 2024 has 494.
- Threshold. We ranked companies with at least 10,000 policies in force in 2025 (68), and dropped the one with no complaint figure (67 remain). They hold 97.6% of policies and drew 94.9% of confirmed complaints.
- Index. Every company-level index in the ranking is TDI’s published figure. Market totals, rates per 10,000 policies, shares and brand combinations are our own arithmetic on TDI’s counts.
- Brand combinations use a legal-name match only, listed in the table above, and are recalculated against the market average for the same year.
- What we did not do. We did not adjust for driver risk, policy type or region, and we did not use any complaint data outside TDI’s dataset for this ranking.
FAQ
What is the Texas auto insurance complaint index?
It is a ratio published by the Texas Department of Insurance. TDI divides a company’s share of confirmed complaints for a line of insurance by its share of policies in force for that line. The average is 1.00; below 1 means fewer complaints than average for the company’s size, above 1 means more.
Which Texas auto insurer had the most complaints in 2025?
By raw count, Progressive County Mutual Insurance Company had the most confirmed complaints (362), but it also had 3.3 million policies, so its complaint index was 0.66. Relative to size, Tesla Property & Casualty had the highest index among insurers with 10,000 or more policies, at 36.24 (241 complaints on 40,364 policies).
Did car insurance complaints go up in Texas?
Yes. TDI’s data shows 2,481 confirmed auto complaints in 2025 against 1,594 in 2024, an increase of 55.6%, while policies in force rose 1.0%, from 14.91 million to 15.06 million. Excluding Tesla Property & Casualty, confirmed complaints still rose 46.5%.
Why does my insurer’s name not appear in the list?
The data is reported by legal insurance company, not by brand. Many Texas auto policies are written on the paper of a county mutual company, and TDI’s statistical plan manual says some county mutuals let managing general agents sell insurance using the county mutual’s name. Check the insurer named on your declarations page and look that company up.