Citizens Insurance Review & Ratings (2024)

Experience comprehensive coverage options and unparalleled peace of mind with Citizens Insurance. Safeguard what matters most to you with their wide range of insurance solutions tailored to your specific needs. From home and auto insurance to life and health coverage, Citizens Insurance offers reliable protection you can trust.

UPDATED: Dec 18, 2023Fact Checked

Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

Licensed Insurance Agent

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

UPDATED: Dec 18, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Dec 18, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 18, 2023Fact Checked
4.0
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Citizens Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Offers a wide range of insurance products, including home, auto, life, and health coverage.
  • Provides discounts such as safe driver, multi-policy, and good student discounts.
  • A not-for-profit insurer with a focus on helping residents obtain property and casualty insurance.
  • Competitive rates on insurance products.
  • A commitment to customer satisfaction and personalized service.

Cons

  • Mixed customer reviews, with some praising affordability and customer service, while others criticize the claims and billing processes.
  • Limited availability, operating primarily in Florida and Louisiana.
  • Eligibility for discounts may have specific criteria.
  • Some customers have reported issues with the claims process and billing.
  • Limited information on the website regarding financial strength and specific coverage details.
  • The company’s coverage may be restricted to residents of Michigan.

Final Verdict: Review of Citizens Insurance

Citizens Insurance is a car insurance company that provides coverage in multiple states across the US. The company has a history of providing quality insurance services and is committed to customer satisfaction.

Citizens Insurance offers a range of insurance products and services, including car insurance, home insurance, and renters insurance. The cost of these services varies depending on factors such as your location, driving record, and coverage limits, but many customers appreciate the company’s affordable rates.

The company provides several discounts to customers, including a safe driver discount, a multi-policy discount, and a good student discount. To qualify for these discounts, customers must meet certain criteria such as having a good driving record, maintaining multiple policies with the company, or being a full-time student with a GPA of 3.0 or higher.

Citizens Insurance has a mixed reputation among customers. Some customers praise the company for its affordable rates, friendly customer service, and convenient online tools, while others have criticized the company’s claims process and billing process.

What You Should Know About Citizens Insurance Company of America

Citizens Insurance is a not-for-profit insurer based in Tallahassee, Florida and operates within the states of Florida and Louisiana (Louisiana Citizens). Their goal is to help residents obtain property and casuality insurance and superior customer support. They mainly help those who are unable to get insured with other providers and many times acts as an insurer of last resort.

Welcome to our comprehensive guide on Citizens Insurance, a trusted insurance provider offering a range of coverage options to meet your needs. We will explore the various insurance solutions provided by Citizens Insurance, including home, auto, life, and health insurance.

To ensure you find the best rates and coverage for your specific requirements, simply enter your zip code below and compare quotes from top insurance providers. Don’t miss out on securing the insurance protection that offers peace of mind and fits your budget.

Highlights of Citizens Insurance

  • Established in 2002, citizens Insurance is a leading provider of home, auto, and commercial insurance.
  • Offers a wide range of insurance products and services to customers in multiple states across the US.
  • Known for providing competitive rates, personalized customer service, and numerous discounts to help customers save on their insurance.

Citizens Insurance is a well-known insurance company established in 2002 with a mission to provide quality insurance services to customers at competitive rates. The company offers a wide range of insurance products and services, including home, auto, and commercial insurance, to customers in multiple states across the US.

With a focus on customer satisfaction and personalized service, citizens Insurance is known for its competitive rates, knowledgeable agents, and numerous discounts to help customers save on their insurance.

Citizens Insurance History and Mission

Citizens Insurance is an insurance company that was established in 2002 with the goal of providing quality insurance services to customers. Over the years, the company has expanded its services and offerings, becoming one of the leading insurance providers in the US.

The company’s mission is to provide personalized service and competitive rates, helping customers protect their assets and feel secure. The company is committed to providing a wide range of insurance products and services to customers, including home, auto, and commercial insurance.

With a focus on customer satisfaction, citizens Insurance is known for its competitive rates, knowledgeable agents, and numerous discounts to help customers save on their insurance. Citizens Insurance is dedicated to providing quality services and maintaining a high level of customer satisfaction.

The company’s focus on personalized service and competitive rates has made it a popular choice for those looking for insurance coverage. With its commitment to quality, citizens Insurance is well positioned to continue to provide quality insurance services to customers in the years to come.

Citizens Insurance Company of America Insurance Coverage Options

Citizens Insurance offers a wide range of insurance products and services to customers, including:

  • Home insurance: Coverage options for homeowners, including protection for the structure of the home, personal property, and liability.
  • Auto insurance: Coverage options for cars and other vehicles, including liability coverage, collision coverage, and comprehensive coverage.
  • Commercial insurance: Coverage options for businesses, including liability coverage, property coverage, and workers’ compensation.
  • Life insurance: Coverage options for life, including term life insurance, whole life insurance, and universal life insurance.
  • Health insurance: Coverage options for health, including individual health insurance, group health insurance, and short-term health insurance.

In addition to these insurance products, citizens Insurance also offers various discounts to help customers save on their insurance. Some of the most popular discounts include multi-policy discounts, safety device discounts, and loyalty discounts.

To qualify for these discounts, customers may need to meet certain criteria, such as having multiple insurance policies with the company, installing safety devices in their home or vehicle, or being a long-time customer.

Citizens Insurance offers its services to customers in multiple states across the US. The cost of insurance services will vary based on factors such as the type of coverage, the amount of coverage, and the location of the customer. With a focus on customer satisfaction and personalized service, citizens Insurance is a reliable and reputable insurance company that provides quality insurance services to customers.

States Where Citizens Insurance Is Provided

Citizens Insurance provides its insurance services to customers in multiple states across the US. The exact states where citizens Insurance is offered may vary, so it’s best to check with a local agent or visit the company’s website to determine if the services are available in your area.

Finding citizens Insurance near you is a simple and straightforward process. Here are the steps you can follow:

  • Visit the citizens insurance website: Go to the citizens Insurance website and click on the “Find an Agent” button.
  • Enter your ZIP code: Enter your ZIP code in the “Find an Agent” search bar and click the “Search” button.
  • View the list of local agents: You will be shown a list of agents in your area, along with their contact information and distance from your location.
  • Contact the agent: You can contact the agent directly through the website by clicking the “Contact” button or by calling the number listed for the agent.
  • Schedule an appointment: Once you’ve contacted the agent, you can schedule an appointment to discuss your insurance needs in person.

Alternatively, you can also contact citizens Insurance directly by calling the company’s customer service center. A representative can assist you in finding a local agent who can help you with your insurance needs.

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Citizens Insurance Company of America Insurance Rates Breakdown

The cost of insurance services offered by Citizens Insurance will vary based on a number of factors, including the type of coverage, the amount of coverage, and the location of the customer. The cost will also depend on the customer’s personal circumstances, such as their age, driving record, and the value of their assets.

For example, the cost of auto insurance will depend on the make and model of the vehicle, the age of the driver, and the amount of coverage the customer wants. The cost of home insurance will depend on the value of the home, the age and condition of the home, and the amount of coverage the customer wants.

The cost of commercial insurance will depend on the type of business, size, and the amount of coverage the customer wants. Citizens Insurance provides competitive rates on all of its insurance products, helping customers save on their insurance while still receiving quality coverage. To get a personalized quote for your insurance needs, contact a citizen’s Insurance agent or visit the company’s website.

The company’s knowledgeable agents can help you determine the right coverage for your needs and find the best rate for your budget. With its commitment to customer satisfaction and personalized service, citizens Insurance is a reliable and reputable insurance company that provides quality insurance services to customers.

Citizens Insurance Company of America Discounts Available

Citizens Insurance offers a variety of discounts to help customers save on their insurance. Here are some of the most popular discounts available:

  • Multi-policy discount: Customers who have multiple insurance policies with Citizens Insurance can receive a discount on their insurance premiums. For example, having both auto and home insurance with the company may qualify for a multi-policy discount.
  • Safety device discount: Customers who install safety devices in their home or vehicle may be eligible for a discount on their insurance premiums. Examples of safety devices include smoke detectors, deadbolts, and car alarms.
  • Loyalty discount: Customers who have been with citizens Insurance for a long time may be eligible for a loyalty discount. This discount is designed to reward customers for their loyalty and is based on the length of time they have been with the company.
  • Good driver discount: Customers who have a good driving record may be eligible for a good driver car insurance discount. To qualify for this discount, customers must have a clean driving record with no accidents or traffic violations in the past three years.
  • Paperless discount: Customers who sign up for paperless billing and electronic policy documents may be eligible for a discount on their insurance premiums. This discount is designed to encourage customers to reduce waste and embrace technology.

Citizens Insurance Claims Procedure

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Citizens Insurance provides multiple options for filing claims, ensuring flexibility and convenience for policyholders. You can file a claim through their user-friendly online portal, over the phone with their dedicated claims team, or even through their mobile app.

The availability of these different channels makes it easy for customers to report and initiate the claims process in a way that suits their preferences.

Average Claim Processing Time

The average claim processing time at Citizens Insurance may vary depending on the complexity of the claim and the documentation provided. However, the company is committed to a prompt and efficient claims handling process.

Customers can expect timely responses and updates throughout the claims journey, ensuring that their needs are addressed as quickly as possible.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts at Citizens Insurance has been mixed. Some customers have praised the company for its responsive claims handling and fair payouts. However, others have expressed concerns about the complexity of the claims process and difficulties in understanding billing.

It’s important to note that individual experiences may vary, so it’s advisable to review customer feedback and consult with a Citizens Insurance representative for personalized guidance.

Revolutionizing Insurance: The Digital Capabilities of Citizens Insurance

Mobile App Features and Functionality

Citizens Insurance offers a mobile app with a range of features and functionality to enhance the customer experience. Policyholders can use the app to easily access their insurance information, view policy documents, make payments, and even file claims directly from their smartphones. The intuitive interface and user-friendly design make managing insurance on the go convenient and hassle-free.

Online Account Management Capabilities

With Citizens Insurance’s online account management capabilities, policyholders have the flexibility to control their insurance policies from the comfort of their homes. Through the company’s secure online portal, customers can review and update policy details, make payments, track claims, and access important documents.

This digital convenience simplifies the management of insurance policies and ensures that customers have easy access to their coverage information.

Digital Tools and Resources

Citizens Insurance provides a range of digital tools and resources to empower policyholders with insurance knowledge and support. These resources include educational articles, FAQs, and helpful guides on their website.

Additionally, the company’s online tools may assist customers in estimating insurance costs, understanding coverage options, and making informed decisions about their insurance needs. Citizens Insurance’s commitment to digital innovation aims to provide customers with the information and tools they need to make confident insurance choices.

How Citizens Insurance Company of America Ranks Among Providers

Citizens Insurance stands out as a reliable provider in the insurance industry, offering a diverse range of coverage options tailored to individual needs. With a strong emphasis on customer satisfaction, the company provides comprehensive solutions for home, auto, life, and health insurance.

Citizens Insurance has garnered positive reviews for its affordable rates, friendly customer service, and convenient online tools. However, customer feedback on the claims process and billing has been mixed.

The company’s commitment to offering competitive rates and various discounts, including safe driver, multi-policy, and good student discounts, positions it well in the market. While some customers praise the company

Citizens Insurance Customer Reviews

Citizens Insurance has a mixed reputation among customers. Some customers praise the company for its affordable rates, friendly customer service, and convenient online tools. They also appreciate the personalized attention they receive from their local agents and the variety of insurance options available.

On the other hand, some customers have complained about the company’s claims process, alleging that it can be slow and difficult to navigate. They also report issues with the company’s billing and payment process, saying that it can be confusing and that they’ve had trouble understanding their bills.

Despite these criticisms, many customers continue to choose citizens Insurance for their insurance needs due to its affordability, convenience, and personalized attention from local agents.

It’s important to keep in mind that individual experiences with insurance companies can vary greatly, and it’s always a good idea to get multiple quotes from different insurance providers to compare coverage and prices.

Frequently Asked Questions

What is Citizens Insurance?

Citizens Insurance is a subsidiary of The Hanover Insurance Group that specializes in providing insurance coverage to residents of Michigan.

What types of insurance does Citizens Insurance offer?

Citizens Insurance offers a variety of insurance products, including automobile insurance, homeowners insurance, and personal umbrella insurance.

Who is eligible for Citizens Insurance coverage?

Citizens Insurance provides coverage to residents of Michigan who meet their eligibility requirements.

How can I get a quote for Citizens Insurance?

 

You can get a quote for Citizens Insurance by visiting their website, calling their customer service department, or working with an independent insurance agent.

What is the claims process for Citizens Insurance?

The claims process for Citizens Insurance typically involves reporting the claim to their claims department, providing any necessary documentation, and working with an adjuster to resolve the claim.

What is the financial strength of Citizens Insurance?

Citizens Insurance is rated A (Excellent) by A.M. Best, which indicates that they have a strong financial position and are likely to be able to meet their financial obligations.

Does Citizens Insurance offer discounts?

Citizens Insurance may offer discounts for safe driving, bundling multiple insurance products, and other factors.

What is the customer service like at Citizens Insurance?

Citizens Insurance has a reputation for providing good customer service, with many customers reporting positive experiences with their representatives.

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Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

Licensed Insurance Agent

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Reviews
for Citizens Insurance Company of America

4.04 (87 reviews)
5
October 9, 2020

lukenbrahim

My experience

It helped me a lot when my car crashed last February. My total review for them is good they do what a insurance company should do.
1
February 28, 2020

michiganmom21

Major rate increase for using road service

Citizens Insurance uses some pretty shady billing practices. I just got my annual renewal in the mail and there was an increase of over $500. I didn't understand why as there were no accidents, no tickets and no other changes that might have caused an increase. I called my agent who informed me that my rates were increased because Citizens was now stating there was a chargeable accident because they said my road service use was excessive. We us...
Citizens Insurance uses some pretty shady billing practices. I just got my annual renewal in the mail and there was an increase of over $500. I didn't understand why as there were no accidents, no tickets and no other changes that might have caused an increase. I called my agent who informed me that my rates were increased because Citizens was now stating there was a chargeable accident because they said my road service use was excessive. We used the towing service a total of two times. I insure four vehicles with Citizens. I don't agree that two towing charges between four vehicles is excessive. How can they say I have chargeable accident if I never even had an accident? So let me get this right. I pay extra for road service but I'm not allowed to use it? And two towing charges that equaled only $120 total increased my insurance by $500. If that isn't shady, I don't know what is. They also increased my homeowner's by over 10% and when I asked why, they said they didn't know the reason. Seriously, do yourself a favor and use another carrier.
4
January 17, 2020

minniemack

Very friendly service

So far I have actually enjoyed working with this insurance company. I got my policy through an agent. The agent helped me find a solid plan that covered my vehicle and included renters insurance for cheaper than what I was already paying. I had one issue pop up over the past month. They helped resolve my issue pretty quickly in a way that was best suited for me.
5
September 4, 2019

Brycesmom2004

Great Experience

I recently switched to Citizens and could not be happier. The cost is less than my previous insurance company and it is the same coverage.
2
July 15, 2019

Jimf

Not returning pay.

Citizens was good Insurance for years. Then razed our rates $1000. After canceling still took money from our account and will not return it. Feeding Agency is offering no help.
5
January 9, 2019

toledoa007

Best insurance I ever had!

They have been wonderful with my husband and I. When ever we call they answer all of our questions. They are very accommodating.
4
December 13, 2018

Galelinda

Better price than most

This company seems to offer the best price for the same coverage I have had before, so I went with them. I haven't had to file any claims but I like that my premium is for a year, not for 6 months at a time.
4
November 22, 2018

Helpmate

Citizens Insurance

This has been a good company for our family. The rates are reasonable. They let you bundle home and car. They give you a better rate if you have had an accident or have smoke detectors in your home. Also C02 detectors
5
October 17, 2018

Miinsured

Can't legally drive without it

I've had my car insurance with citizens for about 20 years. The rate is steady and a little lower with home insurance on the same policy.
5
July 17, 2018

sdood2012

Recommended

This company has great rates and I have never had any problems with them. Although, I have never had to make a claim with them. I am very happy with their insurance.
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