Data study
Oregon auto insurance complaints, 2024 and 2025
Oregon’s Division of Financial Regulation recorded 1,439 complaints against auto insurers in 2025, 142 of them confirmed. Of the 28 companies with at least 10 complaints, Tesla General Insurance, Inc. had the highest complaint index, 82.03: it wrote 0.18% of Oregon auto premium and drew 14.8% of confirmed complaints (21 of 142).
By Autoloss · Published · Data: Oregon Division of Financial Regulation, complaint reports for 2024 and 2025
Oregon’s insurance regulator publishes, every year, how many complaints each auto insurer drew and how much auto insurance it sold in the state. We compiled the 2024 and 2025 reports. The complaint index lets companies of different sizes be compared. In DFR’s words, “A complaint index of 1.00 is average.” An index of 2.00 means a company’s share of confirmed complaints was twice its share of the business.
Key numbers
1,439
Complaints against auto insurers in 2025, against 1,457 in 2024
Oregon DFR, Auto Companies reports, 2024 and 2025
142
Confirmed complaints in 2025 (9.9% of all complaints), up from 120 in 2024
Oregon DFR, Auto Companies reports, 2024 and 2025
82.03
Complaint index of Tesla General Insurance, Inc. in 2025, the highest of the 28 companies with 10 or more complaints (21.56 in 2024, also the highest of the companies with 10 or more complaints)
Oregon DFR, Auto Companies report, 2025
0.64
Complaint index of State Farm Mutual Automobile Insurance Company, the company with the most Oregon auto premium (18.7% of the total)
Oregon DFR, Auto Companies report, 2025
Complaint index by company, 2025
The chart shows the 28 auto insurers with at least 10 complaints in 2025, ranked by complaint index. 18 of them were above 1.00, which is expected: a company has to draw a fair number of complaints to make this list. 2 had no confirmed complaints. After Tesla General Insurance, Inc., the next highest index was Alpha Property & Casualty Insurance Company at 5.09.
Bars are drawn to scale up to 6.00; Tesla General Insurance, Inc.’s bar is cut off at that point. Complaint index as published by the Oregon Division of Financial Regulation. Source: DFR, Auto Companies complaint report, 2025.
| Company | 2025 Oregon auto premium | Complaints | Confirmed | Index | 2024 index (complaints) |
|---|---|---|---|---|---|
| Tesla General Insurance, Inc. | $9,177,175 | 31 | 21 | 82.03 | 21.56 (16) |
| Alpha Property & Casualty Insurance Company | $14,082,491 | 18 | 2 | 5.09 | 4.09 (22) |
| USAA General Indemnity Company | $71,657,276 | 32 | 10 | 5.00 | 4.13 (33) |
| Garrison Property and Casualty Insurance Company | $62,023,286 | 32 | 5 | 2.89 | 1.41 (22) |
| General Automobile Insurance Company, Inc. (The) | $13,532,037 | 12 | 1 | 2.65 | 6.42 (15) |
| Coast National Insurance Company | $27,886,297 | 19 | 2 | 2.57 | 2.32 (4) |
| Liberty Mutual Personal Insurance Company | $48,443,600 | 25 | 3 | 2.22 | 1.64 (33) |
| American Family Connect Property and Casualty Insurance Company | $33,044,388 | 13 | 2 | 2.17 | 2.21 (10) |
| Integon Indemnity Corporation | $36,714,158 | 24 | 2 | 1.95 | 6.30 (24) |
| State Farm Fire and Casualty Company | $55,207,045 | 19 | 3 | 1.95 | 0.00 (15) |
| LM General Insurance Company | $18,504,941 | 10 | 1 | 1.94 | 1.53 (15) |
| Allstate Fire and Casualty Insurance Company | $196,638,359 | 79 | 9 | 1.64 | 1.37 (77) |
| USAA Casualty Insurance Company | $92,818,885 | 45 | 4 | 1.54 | 3.21 (53) |
| GEICO Casualty Company | $140,981,449 | 57 | 6 | 1.53 | 0.88 (50) |
| Allstate North American Insurance Company | $76,318,271 | 22 | 3 | 1.41 | 1.74 (8) |
| Viking Insurance Company of Wisconsin | $28,542,119 | 10 | 1 | 1.26 | 0.00 (11) |
| United Services Automobile Association | $59,769,680 | 14 | 2 | 1.20 | 0.70 (16) |
| American Family Insurance Company | $64,164,379 | 16 | 2 | 1.12 | 0.00 (10) |
| Safeco Insurance Company of Oregon | $178,463,330 | 60 | 4 | 0.80 | 0.58 (63) |
| State Farm Mutual Automobile Insurance Company | $953,473,511 | 231 | 17 | 0.64 | 0.74 (273) |
| GEICO Secure Insurance Company | $174,027,614 | 55 | 3 | 0.62 | 0.68 (47) |
| Farmers Insurance Company of Oregon | $186,488,916 | 36 | 3 | 0.58 | 0.38 (46) |
| Progressive Universal Insurance Company | $581,497,817 | 199 | 8 | 0.49 | 0.41 (171) |
| Standard Fire Insurance Company (The) | $109,238,500 | 20 | 1 | 0.33 | 0.79 (26) |
| Country Preferred Insurance Company | $112,440,853 | 18 | 1 | 0.32 | 0.38 (20) |
| Artisan and Truckers Casualty Company | $504,737,140 | 87 | 3 | 0.21 | 0.37 (85) |
| Hartford Underwriters Insurance Company | $20,734,820 | 14 | 0 | 0.00 | 0.00 (12) |
| Root Insurance Company | $15,558,603 | 11 | 0 | 0.00 | 5.86 (13) |
All 368 companies in the 2025 report and 372 in the 2024 report are in the CSV download below.
What stands out
Tesla General Insurance, Inc. drew 31 complaints in 2025, 21 of them confirmed, on $9,177,175 of Oregon auto premium. In 2024 it drew 16 complaints, 4 confirmed, on $7,532,404. It had the highest index of the companies with at least 10 complaints in both years.
The company with the most Oregon auto premium, State Farm Mutual Automobile Insurance Company, wrote $953,473,511 of Oregon auto premium in 2025, 18.7% of the total, and drew 231 complaints, 17 confirmed. Its index was 0.64, below average.
DFR’s own guidance is a useful caution when reading the smaller names on this list: “Smaller insurers with less market share have fewer policies and often fewer claims, which can lead to more volatile results, and possibly a higher complaint index than a larger insurer with similar practices.”
What this means for Oregon drivers
- Check the exact company on your policy. Several brands sell through more than one company, and each is listed separately. The company name is on your declarations page.
- A complaint index is not a claim outcome. It counts confirmed complaints against premium. It does not say how a company handles a total loss or a diminished value claim in particular.
- The regulator handles conduct, not the value of your car. DFR says it cannot resolve some disputes, giving this example: “For example, the issue might be who is at fault or how much should be paid as a result of a car accident.” A disagreement over a vehicle’s value comes down to evidence, such as an independent appraisal, the policy’s appraisal clause where there is one, or the courts.
- If an insurer stops answering, a complaint is the usual next step. See how to file an auto insurance complaint and Oregon diminished value claims.
Method and limits
We downloaded the Division of Financial Regulation’s “Auto Companies” complaint reports for 2025 (revised April 27, 2026) and 2024 (revised May 21, 2025), which list every company with Oregon auto premium: 368 companies in 2025 and 372 in 2024. For each company the reports give premium, total complaints, confirmed complaints and the complaint index. We extracted every row, summed the totals ($5,090,611,042 of premium in 2025) and recalculated every published index from them; all matched. The chart and table show companies with at least 10 complaints, because indexes built on a handful of complaints swing widely. We also checked each listed company’s 2025 figures against DFR’s online complaint comparison tool, which is updated nightly. They matched, except that the tool now shows one more confirmed complaint for one company than the published report.
Limits: the reports count complaints of every kind, not only disputes over claim payments or vehicle values, and they do not give reasons or define “confirmed.” They list legal companies, not insurance groups, and they include commercial auto insurers. Complaints depend on people choosing to contact the state, so they are a signal, not a full record of claim problems. DFR’s online tool is updated nightly, so its figures can differ slightly from the published reports.
Sources
- Oregon Division of Financial Regulation, Auto Companies complaint report, 2025: dfr.oregon.gov/help/Documents/complaint-stats-2025/Complaint-AutoFull-2025.pdf
- Oregon Division of Financial Regulation, Auto Companies complaint report, 2024: dfr.oregon.gov/help/Documents/complaint-stats-2024/Complaint-AutoFull-2024.pdf
- Oregon Division of Financial Regulation, Complaint information and data, retrieved November 12, 2026: dfr.oregon.gov/help/complaints-licenses/Pages/complaint-information.aspx
- Oregon Division of Financial Regulation, Complaint compare search tool (auto), tax year 2025, retrieved November 12, 2026: dfr.oregon.gov/help/complaints-licenses/Pages/complaint-compare-search-tool.aspx
- Oregon Division of Financial Regulation, After you file a complaint, retrieved November 12, 2026: dfr.oregon.gov/help/complaints-licenses/Pages/after-complaint-filing.aspx
Cite this study
Autoloss, “Oregon auto insurance complaints, 2024 and 2025,” November 12, 2026, https://autoloss.com/research/oregon-auto-insurance-complaints/. Data: Oregon Division of Financial Regulation, Auto Companies complaint reports, 2024 and 2025.
Download the data (CSV). Free to use with credit to Autoloss and a link to this page (CC BY 4.0).
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