Where Can I Make a Complaint About My Auto Insurance Company?

Last Updated on June 30, 2020

Because car insurance is something you absolutely have to have by law in most states, it may seem as though your auto insurance company has you over a barrel. You have to do what you can to maintain your policy, and when you have to file a claim you expect to get the compensation you have been paying for. Unfortunately, there are some instances in which the car insurance companies do not do what they should, and when that happens it may seem as though you have nowhere to turn.

Reasons to Make a Complaint About Your Auto Insurance Company

There are several reasons you might want to make a complaint about a car insurance company. If the company changes the terms of your policy between the time of the quote and the first bill, you may want to file a complaint against themWhere Can I Make a Complaint About My Auto Insurance Company for hidden fees or charges. You may also want to complain about the way that your car insurance company calculated your new premium, or they may seem to be discriminating against you in some way.

The most common complaints about car insurance companies are in how the companies process and pay out claims. If you have problems with getting your car insurance company to pay out a claim, or to pay the amount you feel you are entitled to, you can make a complaint about the auto insurer in an attempt to get them to make it right.

How to Make a Complaint About Your Insurance Company

Each state has its own insurance commission or agency that oversees car insurance. You can make a complaint to these agencies either online or by phone. One of the best resources for filing a complaint about a car insurance company is the National Institute of Insurance Commissions. This organization has all of the information you need to contact your state’s car insurance commission so that you can easily file a complaint. Their website also has helpful information about what to expect from your complaint.

Where to Make a Complaint in Your State

Where you will make your complaint will depend on your state. Each state has its own insurance commission that handles these complaints. A complete list of the insurance commissions and their phone numbers for each state is below.

StateDepartmentPhone Number
AlabamaAlabama Department of Insurance(334) 269-3550
AlaskaDepartment of Commerce, Community, and Economic Development—Division of Insurance(907) 269-7900
ArizonaArizona Department of Insurance(602) 364-3100
ArkansasArkansas Insurance Department(501) 371-2600
CaliforniaCalifornia Department of Insurance(800) 927-4357
ColoradoColorado Department of Regulatory Agencies(303) 894-7855
ConnecticutState of Connecticut Insurance Department(860) 297-3800
DelawareDelaware Department of Insurance(302) 674-7300
FloridaThe Division of Consumer Services(850) 413-3130
GeorgiaOffice of Insurance and Safety Fire Commissioner—Department of Insurance(404) 656-2070
HawaiiDepartment of Commerce and Consumer Affairs(808) 587-3222
IdahoDepartment of Insurance(208) 334-4250
IllinoisIllinois Department of Insurance(217) 782-4515
IndianaIndiana Department of Insurance(317) 232-2385
IowaIowa Insurance Division(515) 281-5705
KansasKansas Insurance Commissioner(785) 296-3071
KentuckyKentucky Department of Insurance(502) 564-3630
LouisianaLouisiana Department of Insurance(225) 342-5900
MaineMaine Bureau of Insurance(207) 624-8475
MarylandMaryland Insurance Administration(800) 492-6116
MassachusettsMassachusetts Division of Insurance(877) 563-4467
MichiganDepartment of Insurance and Financial Services(877) 999-6442
MinnesotaMinnesota Commerce Department(651) 539-1600
MississippiMississippi Insurance Department(601) 359-3569
MissouriMissouri Department of Insurance(573) 751-4126
MontanaCommissioner of Securities and Insurance(406) 444-2040
NebraskaNebraska Department of Insurance(402) 471-2201
NevadaNevada Division of Insurance(888) 872-3234
New HampshireNew Hampshire Insurance Department(603) 271-2261
New JerseyDepartment of Banking & Insurance(609) 292-7272
New MexicoOffice of Superintendent of Insurance(855) 427-5674
New YorkDepartment of Financial Services(212) 480-6400
North CarolinaDepartment of Insurance(855) 408-1212
North DakotaNorth Dakota Insurance Department(701) 328-2440
OhioOhio Department of Insurance(614) 644-2658
OklahomaInsurance Commissioner(800) 522-0071
OregonDivision of Financial Regulation(503) 947-7980
PennsylvaniaPennsylvania Insurance Department(717) 787-7000
Rhode IslandDepartment of Business Regulation—Insurance Division(401) 462-9520
South CarolinaDepartment of Insurance(803) 737-6227
South DakotaDepartment of Labor and Regulation—Division of Insurance (605) 773-3563
TennesseeDepartment of Commerce & Insurance(615) 741-2241
TexasTexas Department of Insurance(800) 578-4677
UtahUtah Insurance Department(801) 538-3800
VermontDepartment of Financial Regulation(802) 828-3301
VirginiaState Corporation Commission(804) 371-9967
WashingtonOffice of the Insurance Commissioner(800) 562-6900
Washington, D.C.Department of Insurance, Securities and Banking(202) 727-8000
West VirginiaOffices of the Insurance Commissioner(304) 558-3386
WisconsinOffice of the Commissioner of Insurance(608) 266-3585
WyomingWyoming Department of Insurance(307) 777-7401

All 50 states plus Washington D.C. have online complaint forms that you can fill out easily and at any time of day to file your complaint about your car insurance company. If you prefer to talk to a person, most of them have phone numbers listed and easily located, but you will likely have to call during traditional business hours.

What to Expect from Your Complaint

Different states have different rules for how complaints must be handled. In general, your car insurance company is given a set amount of time such as 10 to 15 days to resolve the complaint. If they do not resolve the complaint, the insurance commission or department of insurance will investigate the situation. If the insurance company is found to be at fault, they will be forced to make it right and could also be fined or otherwise penalized.

James Shaffer
James Shaffer James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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