Insurance Licenses: Texas Lookup and 40 Carriers' Complaint Indexes

TDI complaint index. The Texas Department of Insurance divides a carrier's share of confirmed complaints by its share of policies in force for one line of coverage. An index of 1.00 is the average for all Texas insurers in that line; below 1.00 means fewer complaints than average, above 1.00 means more. Complaints are counted only where TDI confirmed them against a licensed carrier, and policies in force are measured as of December 31, 2025.

License context. NIPR, the National Insurance Producer Registry, runs the industry's license lookup but publishes no public API, so this page does not show a per-carrier license status value. Instead, each Texas row names its license registry (TDI) and carries the exact count of the carrier's active company appointments in TDI's appointments dataset — the license link between an insurance company and the Texas agencies appointed to sell for it — joined on the NAIC number on 2026-09-17. The Texas Windstorm Insurance Association shows 0 because it is a state-created pool that does not appear in that appointments dataset. New York's Department of Financial Services (DFS) licenses and ranks the auto insurers doing business in New York State, so each New York row names DFS as its registry.

DFS complaint ratio. New York's ratio is the number of upheld complaint cases divided by the carrier's average direct premiums written in New York State (current and prior year, in millions of dollars); rank 1 is the fewest upheld complaints per premium dollar. The 2024 list covers complaint filings closed in 2024.

Small-volume caution. Across all 2025 Texas rows the highest published index is 38,609.93 (Atlantic Coast Life Insurance Company: 4 confirmed complaints on 128 policies in force). On tiny volumes the complaint index swings hard, which is why the Texas table covers the largest carriers rather than the extreme values.