State public records
Your state insurance regulator keeps a file on your insurer. Read it before you renew.
Every insurance company answers to a state insurance department, and those departments publish records the companies never mention: confirmed complaints, approved rate increases, who writes the business, and where policies are not being renewed. The records are public, but they live in PDFs, spreadsheets, and state data portals almost nobody opens. This site puts them in readable form. Every number links to the state source it came from, and nothing here is an ad.
Pillar one
Complaint records
Regulators confirm complaints against insurers and publish company-by-company counts and indexes. Each state computes its index its own way, so we show each state's number with that state's definition, and never compare across states.
Complaint records by statePillar two
Approved rate increases
Insurers must file rate changes with the state, and several states publish what was requested and what was approved. See which companies received the largest approved increases, with the filing cited.
Approved rate changes by statePillar three
Market share
Who actually writes the auto and homeowners business in your state, by premium volume, from the state's own market share reports. Carriers you cannot buy direct are marked.
Top writers by statePillar four
Nonrenewal rates
County-level homeowner nonrenewal rates for 2018 through 2023, from data insurers provided to the U.S. Senate Budget Committee. A one-time federal release, covering roughly two thirds of the market.
Nonrenewal rates by countyThe part nobody tells you
Several major carriers cannot be bought directly
Erie, Auto-Owners, Cincinnati, and a handful of other large, well-regarded carriers sell only through independent insurance agents. If you shop by website and phone app alone, an entire tier of the market never quotes you. The agent is paid by the carrier, not by you.
How insurance is actually soldWhat this site covers today, stated plainly
Coverage depends on which states publish usable records, and it grows as new state files are loaded. This list is generated from the database, so it is current as of the last refresh.
- Complaint records: New York, Texas.
- Approved rate changes: California.
- Market share: California, Texas.
- Nonrenewal rates: national, county-level.
What this site does not have: a national complaint index (no public bulk source exists; each state publishes only its own), premium quotes, or any data an insurer paid to place.