Austin Mutual Insurance Review & Ratings (2023)

This Austin Mutual Insurance Review will cover Austin Mutual Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Austin Mutual Insurance A.M. Best rating is A. To compare insurance rates from the best companies in your area, enter your ZIP code below.

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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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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

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: Feb 20, 2023

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Company Details
Address: P.O. Box 1420
City: Maple Grove
State: MN
ZIP Code: 55311
Phone Number: (800) 328-4628
AM Best Rating: A

Austin Mutual Insurance is a well-established car insurance company that has been providing coverage to customers since 1999. Based in Austin, Texas, the company offers a range of insurance options, including car insurance, home insurance, and life insurance.

Austin Mutual Insurance is committed to providing quality coverage and excellent customer service to its policyholders.

  • The company provides customers with car insurance, home insurance, and life insurance.
  • Austin Mutual Insurance is dedicated to providing quality coverage and outstanding customer service to its policyholders.

Discover the benefits of choosing Austin Mutual Insurance for your car insurance needs. Learn about their history, mission, products, services, and cost, as well as the different types of discounts and customer reviews of the company.

Austin Mutual Insurance History and Mission

Austin Mutual Insurance was founded in 1999 and has been providing insurance coverage to customers for over 20 years. The company has a strong history of offering quality insurance products and services and is dedicated to providing outstanding customer service to its policyholders.

Over the years, Austin Mutual Insurance has established a reputation for providing reliable coverage at affordable rates, making it a popular choice for customers in the states where it operates.

The mission of Austin Mutual Insurance is to provide quality insurance products and services to its customers, while also delivering exceptional customer service. The company is dedicated to helping its policyholders protect their assets and ensure their financial security.

Austin Mutual Insurance strives to be a trusted partner to its policyholders, providing reliable coverage and support whenever they need it. This focus on customer satisfaction has helped the company establish a strong reputation in the insurance industry and has allowed it to continue to grow and thrive.

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Coverage Options Available at Austin Mutual Insurance

Austin Mutual Insurance offers a range of insurance products, including car insurance, home insurance, and life insurance.

Car insurance: The company’s car insurance coverage includes liability, collision, and comprehensive coverage, as well as options for uninsured motorist coverage and personal injury protection.

Home insurance: For those in need of home insurance, Austin Mutual Insurance offers coverage for damage to the structure of your home, as well as personal belongings and liability coverage.

Life insurance: In addition to its car and home insurance options, Austin Mutual Insurance also offers life insurance coverage. This coverage provides financial support to your loved ones in the event of your death, helping to ensure their financial security.

Overall, Austin Mutual Insurance is dedicated to providing quality insurance products and services to its customers. The company offers a range of coverage options and discounts to help customers find the coverage that best meets their needs, and is committed to providing outstanding customer service to its policyholders.

Cost of Services at Austin Mutual Insurance

The cost of insurance through Austin Mutual Insurance will vary depending on many factors, including the type of coverage you choose, the location where you live, your driving record, and more.

In terms of car insurance, the cost will be determined by several factors, such as the type of coverage you choose, the value of your vehicle, your driving history, and more.

For home insurance, the cost will be determined by factors such as the value of your home and its contents, the location where you live, and the type of coverage you choose.

Austin Mutual Insurance offers a range of options to help customers find the coverage that best meets their needs, and provides discounts to help customers save money on their coverage.

In conclusion, the cost of insurance through Austin Mutual Insurance will vary depending on some factors, but the company is known for offering quality coverage at affordable rates.

States Where Austin Mutual Insurance Is Offered

Austin Mutual Insurance is currently licensed to provide insurance coverage in several states in the United States. Some of the states where the company offers insurance include:

  • Illinois
  • Wisconsin
  • Indiana
  • Ohio
  • Kentucky
  • Tennessee

It’s important to note that the availability of insurance products and services may vary by state, and not all products and services are available in every state where Austin Mutual Insurance operates.

Customers are encouraged to contact the company directly to learn more about the insurance options available in their state.

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Discounts Available at Austin Mutual Insurance

Austin Mutual Insurance is committed to helping its customers save money on their insurance coverage, and offers a range of discounts to help them do just that. Some of the discounts that are available to policyholders include:

  • Safe driver discount: Policyholders who have a good driving record may be eligible for this discount.
  • Multi-policy discount: Policyholders who have multiple policies with Austin Mutual Insurance may be eligible for this discount.
  • Homeowner’s discount: Policyholders who own their homes may be eligible for this discount.
  • Good student discount: Policyholders who are full-time students and have good grades may be eligible for this discount.
  • Anti-theft device discount: Policyholders who have anti-theft devices installed in their vehicles may be eligible for this discount.

It’s important to note that discounts may vary by state and by product, and not all discounts are available in every state where Austin Mutual Insurance operates. Policyholders are encouraged to contact the company directly to learn more about the discounts available to them and how they can take advantage of these savings opportunities.

Customer Reviews for Austin Mutual Insurance

Austin Mutual Insurance has a solid reputation for providing quality insurance coverage and customer service and has received positive feedback from its policyholders in customer reviews. Some of the strengths that customers report include:

On the other hand, some customers have reported that the company’s products and services may not be as widely available as those of some larger insurance companies and that the company may not offer all of the coverage options that some customers are looking for.

In Summary: Austin Mutual Insurance

In conclusion, Austin Mutual Insurance is a solid option for those in need of car insurance. With a commitment to quality coverage and customer service, the company provides a range of insurance options at competitive rates.

However, customers should be aware of the potential issues with the claims process before choosing Austin Mutual Insurance for their insurance needs.

Reviews
for Austin Mutual Insurance Company

3.91 (10 reviews)
5
October 13, 2019

Scalf

Excellent

They are our insurance company for more than ten years. Their agents are are very accommodating. Very nice people. Very affordable insurances.
4
August 23, 2018

lmck

4/5 stars

no negative feedback except the rates are a little higher than i like. the insurance agents are always very helpful and courteous.
3
March 2, 2018

Shojoref

Great choice

My wife and I are customers of mutual insurance for 2 years they have great rates and they make it clear about what we're getting into.
1
July 8, 2017

Sparkyco2

Unhappy!

I used my insurance for the 1st time in 18 years because i was in a hit and run accident due to no fault of my own and i had to fight for 5 years in order to even use my coverage even though the guy was eventually caught, admitted to it and fined by the court system. i was treated like the criminal instead of the guy that hit me. i will be looking for a new company for our insurance needs. We currently have them for everything our vehicles, ho...
I used my insurance for the 1st time in 18 years because i was in a hit and run accident due to no fault of my own and i had to fight for 5 years in order to even use my coverage even though the guy was eventually caught, admitted to it and fined by the court system. i was treated like the criminal instead of the guy that hit me. i will be looking for a new company for our insurance needs. We currently have them for everything our vehicles, house, etc. etc. Would never recommend them.
5
June 6, 2017

ChelseaChampion01

Awesome Customer Service

Everytime I call I speak to a real person and i never wait any longer then 2 minutes. Also when im talking to a real customer service agent they help me with whatever i need and dont pass me around like a hot potatoe.
5
May 18, 2017

tc

Austin Mutual review

Austin Mutual is actually an Ultra-preferred co., and difficult to qualify for. Negative reviews (of any ins co) can't be trusted and are unreliable. Nobody likes insurance, and when they don't agree with a claims determination...they hate them even more. Insurance is pretty standardized, so if a claim was denied by one carrier then it would've been denied by all the others. Austin Mutual is one of the few co.'s that only goes back 3 yrs for your...
Austin Mutual is actually an Ultra-preferred co., and difficult to qualify for. Negative reviews (of any ins co) can't be trusted and are unreliable. Nobody likes insurance, and when they don't agree with a claims determination...they hate them even more. Insurance is pretty standardized, so if a claim was denied by one carrier then it would've been denied by all the others. Austin Mutual is one of the few co.'s that only goes back 3 yrs for your driving record, vs 5 yrs like other carriers. They only want pre-ferred" clients, so if their rate is higher than what you already pay, then you are NOT preferred and they don't want the business. Preferred policies = less claims Standard or High Risk policies = HUGE claims and service nightmares.
2.5
May 8, 2017

samboy30

OK

Is an insurance i've bought it online.Is all ok, my only problem with them is that they spam my email and they call me almost every day for advertisement.
3
April 21, 2017

theresa68

Austin Mutual Company Overview

Austin Mutual was founded in Minnesota in 1896 under the name State Farmers Mutual Hail Association of Minnesota. Only in 1930 was the name changed to Austin Mutual Insurance Company. In 1974 the Austin Mutual Windstorm Insurance Company merged into the Austin Mutual Insurance Company; in 1999 the Waseca Mutual Insurance Company merged into the Austin Mutual Insurance Group.
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