VARIES BY STATE/LINE
AUTOMOBILE A 0.47
HOMEOWNERS D 1.63
Carrier record · NAIC group 3098 · 2024 market-share rank 17 of 25
Tokio Marine (US)
Tokio Marine's US record splits by line: its automobile book — mostly Philadelphia Indemnity's commercial program and PURE's high-net-worth business — drew complaints at less than half the market-average rate (grade A), while its small Texas homeowners book drew about 1.6 times the market rate (grade D).
HonestPolicy earns: nothing on this carrier.
Record note
US personal-lines presence is PURE (high-net-worth home/auto); Philadelphia Indemnity's auto book is commercial (nonprofits/human services). Both are Tokio Marine group paper per the NAIC 2024 group index.
Automobile
A · COMPOSITE RELATIVE INDEX 0.47 · SCORE 68.1 · 4 SIGNALS
Across the covered records, this line drew about 53% fewer complaints than its market share would predict (at least ~35% fewer complaints than the market average).
Source · TX · TDI
Texas Dept. of Insurance — Complaint indexes and policy counts for insurance companies. Texas Open Data Portal, dataset pa9u-9s9w. data.texas.gov · retrieved 2026-07-10. Complaint index values are calculated by TDI.
Source · NY · DFS
New York State Dept. of Financial Services — Automobile Insurance Company Complaint Rankings. Open Data NY, dataset h2wd-9xfe. data.ny.gov · retrieved 2026-07-10. Upheld complaints per $1M premium as calculated by DFS.
Caveat · NY premium base
The NY exposure base is premium dollars, not policy counts, so NY indices are not exactly comparable to TX/CA bases. NY carries the lowest weights partly for this reason.
| State · Source | Year | Complaints | Exposure base | Base kind | Rel. index | Weight |
|---|---|---|---|---|---|---|
| NY · DFS | 2024 | 2 | 48.4 | premiums written ($M) | 1.21 | 0.12 |
| NY · DFS | 2023 | 4 | 44.4 | premiums written ($M) | 3.28 | 0.06 |
| TX · TDI | 2025 | 1 | 25,400 | policies in force | 0.24 | 0.30 |
| TX · TDI | 2024 | 1 | 25,618 | policies in force | 0.36 | 0.12 |
Relative index 1.00 = the group's share of complaints equals its share of the market's exposure; lower is better. Complaints are TDI “confirmed” (TX), CDI “justified” (CA), and DFS “upheld” (NY) counts — not raw complaint volume.
Member companies aggregated — automobile
Texas · TDI · 2025
| NAIC | Company | Complaints | Policies in force | TDI index |
|---|---|---|---|---|
| 12873 | PRIVILEGE UNDERWRITERS RECIPROCAL EXCHANGE † | 0 | 7,434 | 0.00 |
| 18058 | PHILADELPHIA INDEMNITY INSURANCE COMPANY | 0 | 17,625 | 0.00 |
| 23850 | TOKIO MARINE SPECIALTY INSURANCE COMPANY † | 0 | 112 | 0.00 |
| 10945 | TOKIO MARINE AMERICA INSURANCE COMPANY † | 1 | 121 | 50.18 |
| 42374 | HOUSTON CASUALTY COMPANY † | 0 | 108 | 0.00 |
New York · DFS · filing year 2024
| NAIC | Company | Upheld | Total | Premiums $M | DFS ratio | Rank |
|---|---|---|---|---|---|---|
| 12873 | Privilege Underwriters Reciprocal Exchange | 1 | 3 | 42.9 | 0.0233 | 66 |
| 18058 | Philadelphia Indemnity Insurance Company † | 1 | 3 | 5.5 | 0.1815 | 112 |
† Exposure base below the credibility floor on its own; the floor is applied to the aggregated group signal, not to individual members.
Homeowners
D · COMPOSITE RELATIVE INDEX 1.63 · SCORE 38.0 · 2 SIGNALS
Across the covered records, this line drew about 1.63 times the market-average complaint rate (well above the market average).
Source · TX · TDI
Texas Dept. of Insurance — Complaint indexes and policy counts for insurance companies. Texas Open Data Portal, dataset pa9u-9s9w. data.texas.gov · retrieved 2026-07-10. Complaint index values are calculated by TDI.
| State · Source | Year | Complaints | Exposure base | Base kind | Rel. index | Weight |
|---|---|---|---|---|---|---|
| TX · TDI | 2025 | 3 | 11,997 | policies in force | 1.97 | 0.30 |
| TX · TDI | 2024 | 1 | 12,017 | policies in force | 1.03 | 0.12 |
Relative index 1.00 = the group's share of complaints equals its share of the market's exposure; lower is better. Complaints are TDI “confirmed” (TX), CDI “justified” (CA), and DFS “upheld” (NY) counts — not raw complaint volume.
Member companies aggregated — homeowners
Texas · TDI · 2025
| NAIC | Company | Complaints | Policies in force | TDI index |
|---|---|---|---|---|
| 12873 | PRIVILEGE UNDERWRITERS RECIPROCAL EXCHANGE | 3 | 11,995 | 1.97 |
| 42374 | HOUSTON CASUALTY COMPANY † | 0 | 2 | 0.00 |
† Exposure base below the credibility floor on its own; the floor is applied to the aggregated group signal, not to individual members.