How to File a Complaint Against Your Auto Insurance Company in 2025 (Follow These 5 Steps)

How to file a complaint against your auto insurance company depends on understanding the steps, check your coverage, visit your state’s insurance department, complete the form, and submit documents to resolve disputes quickly.

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File a Complaint Against Your Auto Insurer

Step #1: Visit State Insurance

To file a complaint against your auto insurance company, first locate your state’s insurance department website. Each state has its own Department of Insurance, and you can find the relevant site through the National Association of Insurance Commissioners (NAIC) website at www.naic.org.

On the NAIC site, navigate to the directory of state insurance departments, select your state, and you’ll be directed to the appropriate website. Once there, look for sections like “Consumer Complaints” or “Filing a Complaint” for instructions and forms. For more details, check out our guide titled “Is it worth claiming a scratch on your auto insurance?”

Review the guidelines, download any necessary forms, and take note of contact information for further assistance. This ensures you access the correct resources and follow the proper procedures for filing your complaint.

Step #2: Complete Complaint Form

Follow the instructions on your state’s insurance department website, and enter accurate personal details and information about your policy, including proof of insurance. Clearly describe the issue in chronological order, detail your interactions with the insurer, and state what resolution you seek. For more details, check out our resource titled “Auto Insurance Policyholder Defined.”

Attach copies of all relevant documents, including proof of insurance, while keeping the originals. Ensure all details are correct before signing, dating, and submitting the form. Before submitting, review everything for accuracy. Despite any frustration, ensure your problem is communicated clearly.

Step #3: Submit Required Documents

Once the form is filled out, you should supply copies of all supporting documents. Do not send in your originals. Any paperwork, emails or letters that were passed between you and the auto insurance company during the dispute should be sent with the complaint form. To learn more, check out our resource titled “What documents do you need to get auto insurance?”

Next, do not forget to sign and date the form. This might seem like an obvious step, but going through this process can sometimes cause people to forget even the simplest of things.

Step #4: Send Complaint Form

The next step is to send the completed complaint form to your State’s Department of Insurance. Be sure to double-check that you are sending it to the right place. If you are not completely sure where to send it, contact the department to verify the address before sending.

Sending it to the wrong place could delay the whole process.

Once it has been sent, wait a little bit and then follow up with the department to see if they received it. Once you know they have successfully received it, be sure to follow up with them every couple of weeks to see how the complaint process is progressing. For more details, see our report titled “How to Check if an Auto Insurance Company Is Legitimate.”

Step #5: Auto Insurance Coverage

While waiting for your complaint to be reviewed by your current auto insurance company, consider exploring new providers for comprehensive auto insurance. Start by obtaining multiple quotes to compare options. Evaluate the discounts each company offers, and inquire directly about any specific discounts you might qualify for.

This data compares monthly auto insurance rates from major U.S. providers for both minimum and full coverage. Geico and USAA offer the most affordable options, with Geico charging $30 for minimum and $80 for full coverage, and USAA offering the lowest rates at $22 for minimum and $59 for full.

Auto Insurance Monthly Rates by Provider & Coverage Level

In contrast, Liberty Mutual has the highest rates at $68 for minimum and $174 for full coverage. Other providers, like Allstate, Farmers, and Progressive, fall between these extremes, allowing consumers to compare and choose based on their budget and coverage needs.

Research the insurance company’s underwriter to ensure they have a good reputation and minimal complaints. Additionally, assess the quality of their customer service, as you will frequently interact with them.

Your Quick Guide to Filing an Auto Insurance Complaint

If you need to file a complaint against your auto insurance company, start by visiting your state’s insurance department website, which can be found through the National Association of Insurance Commissioners (NAIC) site. Complete the required complaint form with accurate details about your issue and attach copies of all relevant documents.

After submitting your form, follow up to confirm receipt and monitor progress. Meanwhile, compare quotes from other insurers to explore better coverage options. For additional help, check your state’s guidelines or contact consumer protection agencies. For a thorough understanding, refer to our detailed analysis titled “Full Coverage Auto Insurance Defined.”

Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool below.