Meemic Insurance Review & Ratings (2022)

Meemic offers insurance exclusively to teachers and other educational workers in Georgia, Illinois, Wisconsin, and Michigan. With a rating of A+ from the BBB and an A from A.M. Best, Meemic seems like a solid choice. However, Meemic customer service reviews are often negative, stating that the company fights against paying claims.

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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: Jun 28, 2022

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The Rundown

  • Meemic exclusively serves teachers and other educators in Georgia, Wisconsin, Michigan, and Illinois
  • The company has an A+ rating from the Better Business Bureau and an A from A.M. Best
  • While it sells a variety of insurances, Meemic’s most popular products are home and auto
  • Meemic has a low complaint score with the National Association of Insurance Commissioners, but many online complaints exist regarding how the company handles claims

There are a lot of insurance companies out there, and most offer coverage to anyone, regardless of their profession. However, some companies specialize in specific industries to provide high-quality, affordable insurance rates.

Meemic is one such company. Exclusively serving teachers and educators, Meemic offers boat, home, umbrella, and car insurance. However, Meemic insurance can be hard to get — it only serves four states.

If you’re an educator and want to buy Meemic insurance, always start your quest for the best rates by shopping around. If you want to see what quotes might look like for you, enter your ZIP code into our free tool today.

What types of insurance does Meemic offer?

Meemic was founded in 1950 with the goal of serving teachers and other school staff members. Today, they offer discounts for education workers, from teachers and principals to cafeteria workers and librarians.

Today, Meemic operates in four states: Georgia, Michigan, Wisconsin, and Illinois. While you can get boat and umbrella insurance, the main products Meemic sells are auto and homeowners insurance.

What does Meemic auto insurance cover?

Meemic offers the same standard auto insurance options you could find with most other companies. This includes:

  • Liability. Liability insurance covers repair bills for the other driver when you’re responsible for an accident. Most states require a minimum amount of liability, including the four that Meemic serves.
  • Comprehensive. This type of coverage protects your car from damage caused by sources other than accidents. Comprehensive covers fire, theft, animals, vandalism, and weather. If you have a car loan, you’re probably required to have comprehensive.
  • Collision. Like comprehensive, you’ll need collision if you don’t own your car outright. Collision helps pay for repairs to your vehicle after you’ve been in an accident.
  • Uninsured/underinsured motorist. You can’t trust that every driver on the road has insurance. If you buy this coverage, you’ll be protected against drivers with inadequate insurance.

Uninsured/underinsured motorist is required by law in Illinois. You can only purchase it in the other three states that Meemic serves if you skip collision coverage. You have easy access to your policy information and the claims process by using the Meemic auto insurance login.

What does Meemic home insurance cover?

Similar to its car insurance, Meemic offers educators exceptional homeowners insurance. They provide the same home insurance options you would expect to find in more prominent companies.

  • Dwelling. This protects the physical structure of your home and other structures like fences and garages.
  • Personal possessions. Meemic will pay to have your belongings replaced, including furniture, appliances, and clothing.
  • Liability. If someone is injured on your property, they can sue you if you’re responsible. Liability helps pay for your legal fees in court.

On top of the standard insurance, you can also buy additional coverage to add to your home insurance policy. These add-ons include:

  • Guaranteed home replacement cost coverage
  • Computer and electronic coverage
  • Extended coverage for jewelry and silverware
  • Scheduled personal property, which gives you extended coverage for high-value items that have been appraised
  • Sewer and sump pump backup coverage
  • Functional replacement cost for home built before 1940
  • Snowmobile coverage

Getting extra coverage is highly recommended, as long as you need it. However, you should avoid getting coverage you don’t need because your bill will grow quickly the more things you add.

On top of these options, Meemic also offers renters, condo, mobile home, and flood insurance. If you’re interested in adding these to your policy, you can start by using the Meemic login and getting a quote.

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What do Meemic rates look like?

Meemic is tight-lipped with their rates online. However, you can get an idea of what you might pay by looking at average prices in the four states Meemic operates in.

StateAverage monthly cost of minimum coverageAverage monthly cost of full coverage
Georgia$59$134
Illinois$59$145
Wisconsin$33$97
Michigan$365$596
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Meemic promises a discount on insurance for educators, so it’s not unreasonable to think you can get cheaper rates. The same applies to homeowners insurance.

StateAverage annual priceAverage monthly fee
Georgia$1,376$115
Illinois$1,322$110
Wisconsin$986$82
Michigan$1,120$93
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While Meemic doesn’t post information about its prices, they do list the discounts they offer. These discounts apply to your insurance rate after you’ve received Meemic’s lower prices for educators.

  • Paid-in-full. If you pay your annual bill in one installment rather than making monthly payments, you’ll save money.
  • Bundling. Earn this discount by buying home and car insurance from Meemic.
  • Anti-theft device. You save money on your bill if your vehicle has anti-theft devices installed, like GPS tracking, brake locks, and audible alarms.
  • Loss Prevention. Similar to the anti-theft discount, safety features in your home could save you money. Approved features include alarm systems, smoke detectors, deadbolts, and fire extinguishers.
  • Educated Choice Repair Program. Meemic has a repair program with a network of mechanics. If you choose one for your vehicle, you’ll get guaranteed repairs.
  • New home. Meemic offers a discount for houses nine years old or younger.
  • Senior. Meemic offers a discount for any customer over the age of 55.

Meemic states on its website that they offer further discounts for educators based on the state you live in.

Meemic Insurance Reviews

As a smaller company, reviews for Meemic are more sparse than they are for larger companies. Online reviews tend to be mixed – some people love it, others don’t recommend them.

Meemic is big enough to have some professional ratings. It is not an accredited company, but the Better Business Bureau gives Meemic an A+. Meemic was also recently upgraded from an A- to an A rating with A.M. Best for financial security.

The National Association of Insurance Commissioners (NAIC) keeps a score of customer experiences for insurance providers. Meemic customer service scored well in the NAIC index with a .86.

To compare, the national average is 1.0. This means that Meemic receives fewer complaints than the average company.

Unfortunately, that’s where the good news ends. Meemic doesn’t have too many written reviews discussing their service. The ones they do have paint a disheartening picture.

Most customers give Meemic the lowest rating they can, stating that they fight tooth and nail to avoid paying claims. Customers are often confused about what their policy does and does not cover. They often find themselves left to pay out-of-pocket for damages they thought were covered.

Finally, most people accept that their insurance rates will occasionally go up over time. However, Meemic seems to raise rates by large amounts without explanation. Some customers are frustrated that their once-affordable Meemic insurance becomes too expensive overnight.

Find the Best Insurance for Teachers

Meemic strives to give teachers and other educational workers affordable insurance despite some negative reviews. If you live in Georgia, Illinois, Michigan, or Wisconsin, Meemic might have the best insurance products for you.

If you want to see what Meemic quotes might look like for you, you should still shop around to save the most money possible. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.

Reviews
for Meemic Insurance Company

4.26 (165 reviews)
1
October 19, 2021

Insurancescam101

DISAPPOINTED

Highly disappointed, My truck was hit while it was parked in a parking lot, I have all of the other parties information except their insurance company, Meemic is making me make a claim to even go after their insurance company and I was told I would pay a higher premium reguardless.. I have had home and auto for almost 10 full years. 2022 will be 10 years for home. More then 10 for auto... made 1 claim in auto in maybe 2013ish... and I am so...
Highly disappointed, My truck was hit while it was parked in a parking lot, I have all of the other parties information except their insurance company, Meemic is making me make a claim to even go after their insurance company and I was told I would pay a higher premium reguardless.. I have had home and auto for almost 10 full years. 2022 will be 10 years for home. More then 10 for auto... made 1 claim in auto in maybe 2013ish... and I am so afraid of them screwing me over if anything worse happens to either my vehicles or home. I am currently looking for a new insurance company. This is ridiculous. I'd pay more a month if I knew I'd be taken care of if something happened, especially if it was not my fault. I wasn't even inside my vehicle when a 15 year old child whom stole his parents car hit my truck.. even worse the police will do nothing. It's not even worth to own a house or car anymore. Insurance is the biggest scam across the nation. With as much money as I have given meemic I could have bought my truck 100 times over. But they won't fix a damn bumper without making me pay more a month... I will forever talk about this to all of my coworkers.. and they will not use meemic as well.. it truly breaks my heart to be done this way by MEEMIC.. So sad... but I'm defiantly excited to find better!
1
August 24, 2021

ScrewMeemic

WILL CONSTANTLY RIP YOU OFF

Doesn't inform you of premium changes until they are already coming out of your account. When you cancel your policy, they sell your information to survey companies that are, legally, allowed to call you incessantly. They, technically, don't operate under telemarketing criteria. Which means they don't have to adhere to the "Do Not Call List" law. Found out from speaking to a supervisor from these survey company's that it was the insurance agency/...
Doesn't inform you of premium changes until they are already coming out of your account. When you cancel your policy, they sell your information to survey companies that are, legally, allowed to call you incessantly. They, technically, don't operate under telemarketing criteria. Which means they don't have to adhere to the "Do Not Call List" law. Found out from speaking to a supervisor from these survey company's that it was the insurance agency/Meemic that they acquired my contact information from. Will take payments out of your account even after you cancel your policy, then will charge you for a premium that you didn't consent to nor, technically, had in a last ditch effort to screw you one last time so they can pay back as little as possible. I was with them for over four years, and I tried to work things out with them time and time again because I wanted to keep my business in my city. But they refused to work with me on my policy changes over the years even when I gave them quotes from other companies that are half the price. And I always happened to somehow financially pay for some sneaky crap they always pulled. Switched to State Farm for the same policy and half the price.
1
March 30, 2021

Fidel100

They don't help

You will find them next to you when you have an accident, they don't pay the medical bills. I have been with meemic for 5 years, and I had an accident, and everyday I receive bills saying rejected from your insurance company. Very bad company
1
November 17, 2020

victim_s_daughter

Can't get reimbursement or contact claims adjuster

My mother was a long-time Meemic insurance customer, and was in a horrible car accident almost one year ago. Our Meemic claims adjuster seems to have no idea what he's doing, does not answer his phone, and does not return phone calls. I've submitted several forms for reimbursement of household services and attendant care, but have never gotten a response, and have yet to receive a single penny reimbursement! I would definitely NOT recommend th...
My mother was a long-time Meemic insurance customer, and was in a horrible car accident almost one year ago. Our Meemic claims adjuster seems to have no idea what he's doing, does not answer his phone, and does not return phone calls. I've submitted several forms for reimbursement of household services and attendant care, but have never gotten a response, and have yet to receive a single penny reimbursement! I would definitely NOT recommend this company.
1
October 24, 2020

Mohamad

Don't trust them

They were not up.to the confidence we put on them. I have unlimited full coverage PIP, and they try to do not pay my medical bills after a car accident.
5
October 20, 2020

MusicLeader

Meemic saves you money

Meemic caters insurance to the education community. We had significant savings compared to State Farm and have had great service from Meemic even when we had to file claims for accidents.
1
June 15, 2020

Unsatisfied

Incompetent idiots...BEWARE

SCAM, BEWARE. I cancelled my policy MONTHS ago and they continue to steal $800 per month from me. Takes weeks for them to return it because I have to prove THEM that i had enough $ in my account for them to take it. Incompetent idiods...
5
December 11, 2019

sturk1kl

Meemic is Awesome!

Meemic is a fantastic company with a great staff. Any time I have an issue or need to make a payment, they are there for me. I will never do any other business with another agency!
5
December 9, 2019

Ypsijay

Wonderful Insurance Company

The independent agency has great customer service. Returns calls and email timely. Very easy to work with. Meemic gives back to the community and schools. I have needed to file a claim a few times and each time is painless and agents are helpful and caring.
5
November 22, 2019

jdash

Meemic..great!

Meemic has been a great company to work with. We have had to submit claims for both home and auto, and they have been so good to work with. Very thorough, fast, and great customer service. Their rates are lowest from any other insurance quotes we have ever gotten.
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