Mutual Benefit Group Insurance Review & Ratings (2022)

Founded in 1908, Mutual Benefit Group provides auto, home, and business insurance to residents of Pennsylvania and Maryland. Independent agents in over 300 offices across both states handle your policy and claims. Mutual Benefit Group Insurance has a strong financial rating and excellent customer service record.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Apr 6, 2022

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The Rundown

  • Mutual Benefit Group has been providing insurance in Pennsylvania and Maryland for over 100 years
  • Home, auto, and business insurance for both personal and commercial customers is the primary focus of this regionally small business
  • Quality customer service and strong fiscal responsibility have established Mutual Benefit Group as a well-respected institution

Mutual Benefit Group (MBG) began operations in Pennsylvania more than a century ago. While providing home, auto, and business insurance to local customers, Mutual Benefit Group strives to maintain a strong customer service track record. This company is known throughout both states as fiscally responsible and is staffed with friendly, personable agents and employees. For residents of Pennsylvania and Maryland, MBG can help provide the secure insurance coverage you need at a reasonable price.

Mutual Benefit Group

MBG began in a similar manner as that of the traditional mutual insurance company. A local group of 14 businessmen, who were looking to protect themselves from potential losses, decided to pool their resources to minimize risk. Now, more than 100 years later, the company is still owned by its policyholders and remains dedicated to serving its members.

Headquartered in Huntingdon, Pennsylvania, Mutual Benefit Group uses over 250 independent agents in both states of operation to provide home, auto, and business insurance. Today, the mutually-owned business serves 75,000 customers and counting.

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Mutual Benefit Group Insurance

Let’s examine the different types of home, auto, and business insurance that MBG provides. Each alternative provides various options designed to fit your coverage needs.

Mutual Benefit Group Home Insurance

In MBG’s homeowners insurance department, there are several packages to choose from. For the most affordable home insurance rates, you can begin with the base policy. This option covers those issues explicitly listed in your policy, as well as personal property and liability coverage.

A step up from the base is the preferred policy from Mutual Benefit Group. This plan increases the limits for payouts and covers more of your property.

The top tier to MBG’s homeowners insurance structure is the Promark program. Higher limits across the board are featured, as well as coverage for high-value personal items like jewelry, technology, etc. These policies have everything needed to protect high-end homes.

In addition to single-family homeowners insurance, MBG provides coverage for owners of townhouses, condominiums, and vacation homes. These policies protect personal property and the structures themselves. Renters can also purchase a policy from Mutual Benefit Group to protect against fire and property loss.

Mutual Benefit Group Personal Auto

MBG’s car insurance plans include standard options such as liability, collision, and comprehensive insurance, as well as several available add-ons to suit your needs. You can purchase repair or replacement cost coverage, gap insurance to cover your car lease, and several roadside assistance features including locksmith services and towing.

Mutual Benefit Group Business Insurance

MBG began as a way for local businessmen to protect each other from possible fire damage. That spirit of care for the needs of small businesses continues today. Business insurance options with Mutual Benefit Group include contractors insurance, commercial package plans, and business owners policies.

You can customize whichever package you select for your business with add-ons to suit your company’s needs. MBG offers coverage for your company’s vehicle fleet, equipment breakdowns, and more.

Each of these policy types comes with MBG’s personal service that builds value and compensates for potentially higher rates than other companies.

Mutual Benefit Group Insurance Rates

MBG is similar to most regional companies in that it does not offer instant online quotes for its rates. This company is run by independent agents who are committed to providing excellent customer service. Each agent is able and willing to help you find the right policy for your specifications.

Finding an agent to answer all your questions is easy with MBG’s website. The search function is built-in and enables you to access the one-on-one service that makes Mutual Benefit Group a highly trusted company. While MBG won’t necessarily be as affordable as the nationwide powerhouses, they do offer a substantial discount program to build loyalty and lower your rates.

Mutual Benefit Group Discounts

There are several ways to save on your policy with Mutual Benefit Group.

With Mutual Benefit Group insurance, you can receive discounts when you combine home and auto coverage. Your first at-fault car accident can be forgiven if you have been accident-free for five consecutive years. And you can receive up to 22% off when you add a second vehicle to your auto policy. Adding safety features like airbags, anti-theft devices, and anti-lock brakes will lower your rates as well.

Safe driving students can receive discounts for quality schoolwork. Students and drivers over 55 can also benefit from completing driver education and improvement courses.

There is a 10% discount for certain policies when rates are paid in full, and Mutual Benefit Group rewards loyalty and long-standing customer retention in its auto pricing structure.

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Filing a Claim With Mutual Benefit Group

From time to time, you may have to file a claim with your insurance company. Mutual Benefit Group customers can contact an agent or use the website. First, find your policy number on your insurance documents or your Mutual Benefit Group insurance card. Next, either call your agent or visit the claims department online.

For automobile glass-only claims, Mutual Benefit Group customers can file online and then receive service from Safelite. For all other claims, Mutual Benefit Group will handle the claims directly. Simply complete the information form on the company website and press submit. You will be contacted by your agent shortly thereafter.

Make a Payment With Mutual Benefit Group

While Mutual Benefit Group will accept payments over the phone, for your convenience they also offer the option to pay your bill online.

When it’s time to make your monthly payment, simply visit the Mutual Benefit Group website and click on the “Make A Payment” tab. Enter your Mutual Benefit Group login information, or create a new username and password if it’s your first time. You can also make a one-time payment using just your policy number and ZIP code. Mutual Benefit Group accepts Visa and Mastercard for online transactions.

Now let’s consider how Mutual Benefit Group compares to the competition.

Mutual Benefit Group Reviews and Ratings

MBG has an A- rating with A.M. Best. This rating factors in Mutual Benefit Group’s expected ability to cover reported claims and handle its general finances. This rating is considered “Excellent,” and the outlook for MBG is stable, according to A.M. Best.

Mutual Benefit also features an excellent track record with the Better Business Bureau, as they have very few customer complaints on file. This is true online as well, as the company regularly engages with those customers who complain of poor service or high prices.

As a small regional company, it is expected that — when compared with nationwide insurance providers — Mutual Benefit Group would not have a large number of customer interactions to deal with, and that is certainly the case. Still, they seem to maintain a good reputation overall.

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Mutual Benefit Group Jobs

If you are interested in a career with Mutual Benefit Group, you can access the “Careers” tab on the company website to get started. In addition to seeing actual job postings that you might be interested in, MBG offers insight into what it might be like to work for them.

Jobs at MBG are advertised as having competitive wages, comprehensive benefits, and incentives for personal health and continuing education. The corporate identity values honesty and integrity, personal responsibility, respect, and teamwork.

MBG wants to foster relationships with and among agents, staff, and policyholders. This environment features support for community involvement and wellness.

The Bottom Line on Mutual Benefit Group

If you live in Pennsylvania or Maryland, you may find Mutual Benefit Group a beneficial insurance provider for your needs. They may not offer the lowest prices in town, but a genuine, personal approach to fostering long-lasting relationships has helped MBG establish a strong reputation.

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