Midwest Mutual Insurance Review & Ratings (2023)

Midwest Mutual insurance offers a range of car insurance products and services, and has a strong history and mission that is focused on customer satisfaction. The company provides affordable rates and various discounts for their customers, making it an attractive option for drivers looking for comprehensive car insurance.

This review will cover the history and mission of Midwest Mutual insurance, their products and services, the cost of those services, the states where they operate, the different types of discounts available to customers, and an overview of customer reviews, including strengths and weaknesses of the company.

Interesting Attributes of Midwest Mutual Insurance:

• Offers a range of discounts for customers, including safe driver, multi-vehicle, and loyalty discounts.
• Provides 24/7 customer support for policyholders.
• Has a strong financial rating from A.M. Best, indicating a stable and secure financial position.

Midwest Mutual insurance is a car insurance company that provides a range of products and services to drivers. Their focus on customer satisfaction, coupled with their affordable rates and discounts, makes them a popular choice for drivers looking for comprehensive car insurance.

In this review, we will explore the history and mission of the company, their main products and services, the cost of those services, and the states where they operate. We will also delve into the different types of discounts available to customers and provide an overview of customer reviews of the company, including their strengths and weaknesses.

Midwest Mutual Insurance History and Mission

Midwest Mutual Insurance has a rich history dating back to its founding in 1891 in Lincoln, Nebraska. The company was established with the goal of providing affordable and reliable insurance coverage to customers in the Midwest region of the United States.

Over the years, Midwest Mutual Insurance has expanded its services and is now available in 11 states, including Nebraska, Kansas, Colorado, South Dakota, North Dakota, Minnesota, Iowa, Missouri, Wisconsin, Illinois, and Indiana.

The company’s mission has remained steadfast over the years, and that is to provide personalized service and comprehensive coverage to policyholders. The company’s focus is on ensuring customer satisfaction by providing prompt, reliable, and effective customer service.

The team at Midwest Mutual Insurance is committed to delivering personalized care, with agents working closely with customers to develop a deep understanding of their unique coverage needs. The company’s approach to customer service has helped it establish long-term relationships with policyholders, and it’s a key part of its mission.

Midwest Mutual Insurance Coverage Options

Midwest Mutual Insurance offers a wide range of car insurance coverage options to its customers. Some of the most popular coverage options include:

• Liability coverage: This is the most basic form of car insurance coverage that Midwest Mutual Insurance offers. Liability coverage protects you financially if you are found responsible for causing an accident. This coverage pays for damages to the other driver’s car and any injuries they may have sustained.
• Collision coverage: Collision coverage pays for damages to your vehicle if you are in an accident, regardless of who is at fault. This coverage is typically required if you have a loan or lease on your vehicle.
• Comprehensive coverage: Comprehensive coverage provides protection for damages to your car that are not the result of a collision. This includes damage caused by theft, fire, vandalism, or natural disasters.
• Personal injury protection (PIP): PIP coverage provides medical expenses and lost wages to you and your passengers in the event of an accident, regardless of who is at fault.
• Uninsured/Underinsured motorist coverage: This coverage protects you in the event you are in an accident with someone who does not have enough insurance coverage to pay for the damages they caused.
• Roadside assistance: Midwest Mutual Insurance offers roadside assistance coverage, which provides assistance if you have a flat tire, run out of gas, or need a tow.

Midwest Mutual Insurance also offers additional coverage options, including rental car coverage, gap insurance, and pet injury coverage.

Cost Breakdown of Midwest Mutual Insurance

The cost of Midwest Mutual Insurance coverage will depend on several factors, including the type of coverage you choose, your location, your driving record, and the make and model of your vehicle.

The company’s agents can provide you with a personalized quote based on your specific needs and situation. However, in general, the following are some cost estimates for Midwest Mutual Insurance’s car insurance coverage options:

• Liability coverage: The cost of liability coverage varies by state and can range from $200 to $600 per year.
• Collision coverage: The cost of collision coverage varies based on the value of your vehicle and can range from $300 to $900 per year.
• Comprehensive coverage: The cost of comprehensive coverage varies based on the value of your vehicle and can range from $200 to $800 per year.
• Personal injury protection (PIP): The cost of PIP coverage varies by state and can range from $100 to $300 per year.
• Uninsured/Underinsured motorist coverage: The cost of this coverage varies by state and can range from $100 to $300 per year.

The actual cost of coverage for you may be higher or lower than these estimates, depending on your specific situation.

States Where Midwest Mutual Insurance is Provided

Midwest Mutual Insurance provides car insurance coverage in the following states:

• Illinois
• Indiana
• Iowa
• Michigan
• Minnesota
• Ohio
• Wisconsin

If you don’t live in one of these states, you’ll need to consider other car insurance options. To find the states where Midwest Mutual Insurance provides car insurance coverage, you can follow these five steps:

1. Visit the Midwest Mutual Insurance website.
2. Click on the “Find an Agent” or “Contact Us” tab located at the top of the page.
3. Enter your ZIP code or state in the search bar provided.
4. A list of agents located in your state or ZIP code will be displayed.
5. Contact an agent in your area to find out if Midwest Mutual Insurance provides car insurance coverage in your state.

Alternatively, you can call Midwest Mutual Insurance customer service at their toll-free number (800) 831-5344 and ask if they offer car insurance coverage in your state.

Discounts Available Through Midwest Mutual Insurance

Midwest Mutual Insurance offers a variety of discounts to its customers, helping to make coverage more affordable. The following are some of the most common discounts available:

• Safe driver discount: If you have a good driving record with no accidents or violations, you may be eligible for a safe driver discount. The amount of the discount can vary, but it can be up to 10% off your premium.
• Multi-car discount: If you insure multiple vehicles with Midwest Mutual Insurance, you may be eligible for a multi-car discount. The amount of the discount can vary, but it can be up to 25% off your premium.
• Bundling discount: If you have multiple insurance policies with Midwest Mutual Insurance, such as car insurance and homeowner’s insurance, you may be eligible for a bundling discount. The amount of the discount can vary, but it can be up to 25% off your premium.
• Good student discount: If you are a student with good grades, you may be eligible for a good student discount. The amount of the discount can vary, but it can be up to 10% off your premium.
• Anti-theft device discount: If you have an anti-theft device installed in your car, you may be eligible for a discount on your premium. The amount of the discount can vary, but it can be up to 5% off your premium.
• Accident forgiveness: If you have been a Midwest Mutual Insurance customer for a certain number of years with no accidents, you may be eligible for accident forgiveness. This means that your premium will not increase if you are involved in an accident.

Customer Reviews of Midwest Mutual Insurance

When looking at customer reviews of Midwest Mutual Insurance, there are a few trends that emerge. Here are some common strengths and weaknesses mentioned in customer reviews:

Strengths:

• Good customer service: Many customers mention that they have had positive experiences with Midwest Mutual Insurance customer service. Customers appreciate the helpful and knowledgeable agents who are easy to work with.
• Affordable premiums: Customers often mention that Midwest Mutual Insurance offers competitive rates, particularly for good drivers.
• Easy claims process: Customers appreciate the ease and efficiency of the claims process with Midwest Mutual Insurance. Many customers report that their claims were handled quickly and without hassle.

Weaknesses:

• Limited coverage area: As mentioned earlier, Midwest Mutual Insurance only provides car insurance coverage in a few states. Customers who live outside of these states are unable to purchase coverage from the company.
• Limited online tools: Some customers would like to have more online tools available to manage their policies or get quotes.
• Some negative reviews: While many customers are happy with their experience with Midwest Mutual Insurance, some negative reviews mention issues with the claims process or customer service.

Overall: Midwest Mutual Insurance

Midwest Mutual Insurance is a regional insurance company that has been providing car insurance coverage to customers for over 120 years. With a focus on affordable rates and excellent customer service, Midwest Mutual Insurance offers a range of coverage options for drivers in the states where it operates.

Some of the company’s most popular discounts include the safe driver discount, multi-car discount, and bundling discount. While Midwest Mutual Insurance has a limited coverage area, customers in the covered states appreciate the company’s affordable premiums and easy claims process.

The company’s mission is to provide quality coverage and exceptional service to its customers. If you’re considering Midwest Mutual Insurance for your car insurance needs, be sure to talk to an agent and read the policy details carefully to make an informed decision.