How Can I File a Complaint With My Insurer?

To file a complaint with your insurer, use the National Association of Insurance Commissioners database to find your provider's complaints division. How to file an insurance complaint online or over the phone requires 1) your policy number and information, 2) the insurance company's NAIC number, 3) your contact information, and 4) a description of the issue. You may want to file a complaint with your insurer if they were problems regarding your coverage, rates, or claim, or if you experience illegal or inappropriate behavior from the agency.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 30, 2021

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Insurance companies have an obligation to operate in good faith. When an insurance company fails to operate responsibly, the policyholder may choose to file a complaint.

Wherever you are in America, there are a number of different ways to file a complaint with your insurer. Whether you’re unhappy with an insurer’s claim decision, its customer service, or its rates, you have a number of ways to express your dissatisfaction with your insurance company. Today, we’re explaining the best ways to file a complaint with your insurer.

Use NAIC to Find Your State Insurance Department’s Complaints Division

Every state in America has its own insurance department. This insurance department is in charge of overseeing insurance companies within that state. All insurance departments have a specific division to handle all complaints.

The National Association of Insurance Commissioners (NAIC) has a page that lets you easily select your state from a map or a list and get direct contact information for that state’s complaint department. You can view NAIC’s insurance complaint map here:

When you click on California, for example, you will be taken to this page of the California Department of Insurance. That page features contact information in English and Spanish that allows you to submit a complaint online or over the phone. There’s a toll-free phone number where you can submit a complaint. You can also submit a complaint online. The online form asks basic questions about your complaint, including the name of the insurance company, the nature of the complaint, and what led to the incident.

The insurance departments of all 50 states have their own complaint departments viewable from that list on Just visit the insurance complaints page, choose your state from the list or map, and you will be taken directly to your state’s complaint department. If you’re unhappy with any aspect of the insurance company, then you can file a complaint through this system. This complaints system is designed to handle complaints about claims decisions, customer service, rates, and other aspects of the insurance industry.

The insurance complaints departments for American Samoa, Guam, Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands are also all viewable from that list.

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What Types of Complaints Can My State’s Department of Insurance Handle?

Your state’s department of insurance handles thousands of complaints a year. Some of the complaints your state’s department of insurance can process include:

Your state’s department of insurance handles all types of insurance claims disputes – including health insurance, car insurance, and other insurance cases.

What You Need to File a Claim

Whether filing a claim online or over the phone, you are typically required to have the following information:

  • Policy information, including the name of your insurance company, its NAIC number, your policy number, or your claim number
  • Your contact information, including your address, telephone number, and cell phone number
  • A description of the problem or issue, including the nature of the complaint, the reason the claim was denied, and other information

Once you have all of this information, you can proceed with filing your complaint to your state’s department of insurance.

What Happens After Submitting a Complaint Online?

If you go through the process above and submit a complaint, then your state’s insurance department will investigate the claim further. Your state’s department of insurance will request certain documentation proving your allegation. Then, the department will investigate the matter.

Some state insurance departments receive thousands of complaints every day. Some complaints can be processed in minutes. Other claims take months. Some insurance complaints lead to a satisfactory outcome for all parties. Other complaints lead to no resolution whatsoever.

In certain cases, your state’s department of insurance will take the matter to mediation, at which point a mediator will attempt to bring all parties together to resolve the issue. Sometimes, the mediator will side with you. In other cases, the mediator will side with the insurance company.

In most states, insurance companies have to respond to a department of insurance complaint within a certain number of days. In most states, insurance companies need to respond within 20 to 40 days of receiving a request from the department of insurance.

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Consider Hiring an Attorney

If you’re involved in a serious dispute with your insurance company, then it may be in your best interest to hire an insurance attorney. These attorneys specialize in representing clients against insurance companies.

Some insurance attorneys specialize in bad faith insurance claims. During a bad faith insurance claim case, an attorney may be more aggressive at pursuing the insurance company than the state’s department of insurance.

Don’t make the decision to hire an insurance attorney lightly. Hiring an insurance attorney can limit your ability to mediate your claim with the state’s department of insurance. You might be waiving certain rights when hiring an attorney. However, some attorneys can also get the job done more quickly than your state’s department of insurance.


Ultimately, policyholders in the United States have a number of different ways to submit complaints about an insurance company. Contact your state’s department of insurance complaints department to get started. Or, consider hiring an insurance attorney.

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