Golden Rule Insurance Review & Ratings (2023)

This Golden Rule Insurance Review will cover Golden Rule Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Golden Rule Insurance A.M. Best rating is A, and the Golden Rule Insurance S&P Rating is AA. 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: Mar 7, 2023

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Company Details
Address: 7440 Woodland Drive
City: Indianapolis
State: IN
ZIP Code: 46278
Phone Number: (618) 943-8000
Fax: (618) 943-8031
AM Best Rating: A
S&P Global Ratings: AA

Golden Rule Insurance is a car insurance company that offers affordable and comprehensive coverage in many states across the United States. They have been in business for over 70 years and have a mission to provide high-quality insurance services to their customers.

Some of the interesting attributes of Golden Rule Insurance are their online quote system, their variety of discounts, and their exceptional customer service. In this review, we will delve deeper into the company’s history, products and services, cost, discounts, and customer reviews.

Finding the right car insurance company can be overwhelming, especially with so many options available. One company that stands out is Golden Rule Insurance. With over 70 years of experience in the insurance industry, Golden Rule Insurance has become a reputable and reliable choice for those looking for quality car insurance.

They offer a variety of coverage options and discounts to suit their customers’ unique needs. In this review, we will discuss the history and mission of Golden Rule Insurance, their main products and services, the cost of their services, the states where their services are available, the discounts they offer, and customer reviews of the company.

Golden Rule Insurance History and Mission

Golden Rule Insurance was founded in 1947 in Indianapolis, Indiana, by a group of businessmen who wanted to provide quality insurance services to their community. In 2003, Golden Rule Insurance became a subsidiary of UnitedHealth Group, a leading healthcare company in the United States.

Today, Golden Rule Insurance operates in many states across the country, offering affordable and comprehensive car insurance coverage. The mission of Golden Rule Insurance is to provide their customers with high-quality insurance services that meet their unique needs.

They strive to offer personalized, efficient, and friendly service to ensure that their customers are satisfied with their coverage and experience with the company.

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Coverage Available From Golden Rule Insurance

Golden Rule Insurance offers a range of coverage options to their customers, including:

  • Liability coverage: This coverage is required in most states and covers the cost of damages and injuries you cause to others in an accident.
  • Collision coverage: This coverage helps pay for the cost of damages to your car in an accident, regardless of who is at fault.
  • Comprehensive coverage: This coverage protects your car from damages caused by incidents like theft, vandalism, and natural disasters.
  • Personal injury protection: This coverage pays for medical expenses for you and your passengers in the event of an accident.
  • Uninsured motorist coverage: This coverage helps protect you if you are involved in an accident with a driver who does not have insurance.
  • Underinsured motorist coverage: This coverage helps protect you if you are involved in an accident with a driver who does not have enough insurance to cover the damages.
  • Roadside assistance: This coverage provides assistance if your car breaks down or if you need a tow.

Customers can customize their coverage options to suit their unique needs and budget.

Golden Rule Insurance Cost

The cost of Golden Rule Insurance varies depending on several factors, including the type of coverage you choose, the amount of coverage you need, your driving history, and the make and model of your car. Here are some of the factors that may affect the cost of your Golden Rule Insurance:

  • Type of coverage: The more coverage you choose, the more you’ll pay for your insurance policy.
  • Driving record: If you have a history of accidents or traffic violations, you may pay more for your insurance.
  • Age and gender: Younger drivers and male drivers tend to pay more for car insurance.
  • Location: Insurance rates can vary depending on where you live, as some areas have higher rates of accidents and theft.
  • Vehicle make and model: The type of car you drive can also affect the cost of your insurance, as some cars are more expensive to repair or replace.

Discounts Offered by Golden Rule Insurance

Golden Rule Insurance offers several discounts to their customers, including:

  • Safe driver discount: Customers who have a good driving record and have not been involved in any accidents or received any tickets may qualify for a safe driver discount.
  • Multi-car discount: Customers who insure more than one car with Golden Rule Insurance can save money with a multi-car discount.
  • Good student discount: Students who maintain good grades may be eligible for a discount on their car insurance.
  • Defensive driving course discount: Customers who complete an approved defensive driving course can receive a discount on their insurance policy.
  • Anti-theft device discount: Customers who have an anti-theft device installed in their car can receive a discount on their insurance.
  • Bundle discount: Customers who bundle their car insurance with other policies, such as home or life insurance, can save money on their insurance premiums.

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States Where Golden Rule Insurance is Available

Golden Rule Insurance is available in a limited number of states, as it is a subsidiary of UnitedHealthcare, a health insurance provider. Here are the states where Golden Rule Insurance is currently available:

  • Alabama
  • Arizona
  • Arkansas
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • North Carolina
  • Ohio
  • Oklahoma
  • South Carolina
  • Tennessee
  • Texas

To locate the states where Golden Rule Insurance is available, you can follow these six steps:

  1. Go to the Golden Rule Insurance website.
  2. On the homepage, click on the “Get a Quote” button located in the top right-hand corner.
  3. On the next page, you will be prompted to enter your ZIP code. Enter your ZIP code and click the “Start Quote” button.
  4. On the next page, you will be asked to provide some basic information about yourself and your car. Once you have provided this information, click the “Next” button.
  5. On the following page, you will be presented with the available coverage options and the cost of each option. Scroll down to the bottom of the page to see the states where Golden Rule Insurance is available.
  6. Alternatively, you can also check the list of states where Golden Rule Insurance is available in the “About Us” section of their website. Simply click on “About Us” on the top menu and select “States We Serve” from the dropdown menu.

Golden Rule Insurance Customer Reviews

Golden Rule Insurance has received mixed reviews from customers. Here is an overview of what customers are saying about the company:


  • Competitive rates: Many customers are pleased with the rates offered by Golden Rule Insurance, stating that they are affordable and competitive.
  • Customer service: Some customers have praised the company’s customer service, noting that representatives are helpful and responsive.


  • Claims handling: Some customers have had issues with the claims handling process, citing delays and difficulties in getting their claims resolved.
  • Limited coverage options: Some customers have noted that Golden Rule Insurance offers limited coverage options compared to other insurance providers.
  • Billing issues: A few customers have reported issues with billing and payments, such as being charged incorrect amounts or experiencing difficulty setting up automatic payments.

In Summary: Golden Rule Insurance

Golden Rule Insurance is a car insurance company that offers coverage in a limited number of states. The company is a subsidiary of UnitedHealthcare and provides several coverage options, including liability, collision, and comprehensive coverage.

Golden Rule Insurance offers several discounts, including safe driver, multi-car, and good student discounts. However, the availability and amount of discounts may vary depending on the state and insurance policy.

Customers have reported that Golden Rule Insurance has competitive rates and good customer service. However, some customers have experienced issues with the claims handling process and have noted that the company offers limited coverage options.

Overall, Golden Rule Insurance may be a good choice for customers who live in the states where the company operates and are looking for an affordable car insurance policy with good customer service.

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