Not all U.S. policyholders are happy with their insurance coverage, and they’re showing it in increasing numbers.
Insurance companies received about 7% more total complaints overall in 2025 than in 2024, according to data from the National Association of Insurance Commissioners (NAIC).
Only 37% of Americans trust that their insurance companies will provide them help in the event of an incident, according to a 2025 Guardian Service survey.
Accident and health insurance coverage generated 37,023 complaints filed, or about 37% of the total, the highest of any insurance segment. This marked an increase of about 5.3% from 35,162 complaints in 2024.
Auto insurance and home insurance were the next most common subjects of complaint, accounting for about 35% and 18% of total complaints, respectively.
Car insurance customers filed 35,063 complaints in 2025, up 7.5% from 32,578 in 2024. Homeowners had the largest percentage increase in formal dissatisfaction. They filed 12.4% more complaints in 2025 than the previous year, rising from 16,264 to 18,282.
The remaining coverage types, including liability and life insurance, received significantly fewer complaints, but complaint filings still increased between 2024 and 2025.
What’s next? How does it all fit into the insurance landscape?
The increase in complaints filed with the NAIC is one of many indicators that U.S. insurance customers aren’t fully satisfied with their insurers.
Insurance in the U.S. has been getting more expensive, with many people paying higher premiums and deductibles across coverage types, from health insurance to auto, home, and renters coverage. When it comes to property insurance, customers are also experiencing longer wait times for claims handling.
The average annual cost of car insurance has increased by 39% between January 2021 and 2026, rising from $1,535 to $2,135, according to Insurify data. That said, in 2025, average rates decreased by 6%, bringing the national average cost of full-coverage to $2,144 annually, according to Insurify’s Insuring the American Driver Report.
Between 2024 and 2025, Insurify estimated annual home insurance prices would increase by 8% from $3,259 to $3,520.
Coverage availability is also an ongoing issue. Several property and casualty insurers have left or dropped certain coverages in high-risk states like Florida and California to avoid costly claims stemming from hurricanes or wildfires.
Health insurance costs are also rising. Premiums for people with employer-based health insurance will increase by an average of 6.7% in 2026, according to Mercer’s National Survey of Employer-Sponsored Health Plans.
The recent expiration of Affordable Care Act subsidies is causing even higher cost increases and putting millions of Americans at risk of losing coverage. The average cost of ACA Marketplace silver plans has increased by 21.7% this year, and an estimated 4.8 million people will go without health insurance in 2026, according to the Urban Institute.
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