Pioneer State Mutual

This Pioneer State Mutual review will cover Pioneer State Mutual ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Pioneer State Mutual A.M. Best rating is A+. To compare insurance rates from the best companies in your locale, 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: Nov 19, 2011

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Company Details
Address: 1510 North Elms Road
City: Flint
State: MI
ZIP Code: 48532
Phone Number: (810) 733-2300
Fax: (810) 733-0231
AM Best Rating: A+

for Pioneer State Mutual Insurance Company

4.15 (42 reviews)
February 18, 2021


Very client focused

They have an awesome easy to use website and their billing people are nice. Everything from them is very clear.
February 16, 2021


Hassle free auto claim

My son had an accident. We were able to take it to our preferred shop for repair. It was seamless and no hassle. The shop even cleaned and buffed the car which tells me they received adequate payment.
July 30, 2019


Pioneer State Mutual

This company has the lowest price compared to all others in Michigan. They were very easy to file a claim and they sent an agent out quickly.
June 22, 2019


the bill keeps raising and i never had a claim

so far so could I have no claims ever but my bill keeps going up if you never had a claim or accident I would think the bill would go down
April 28, 2019



December 24, 2018


Low Michigan rates

Lowest prices on car insurance that I could find in Michigan. Super quick service from a real agent that cares.
August 24, 2018


Struggling in MI

I recently bought a second vehicle. I'm the only driver in my house, and the rates for TWO vehicles, in the State of Michigan is RIDICULOUS. No accidents or tickets in my life ever, and I'm 59 years old.
August 23, 2018


Helpful insurance

Yes they are a very helpful and concientious company that will go out of their way to help you if you are having a problem
August 21, 2018


Quick Response, Great Rental Car

I totaled my car in May and the adjuster reached out to me much sooner than I expected and the rental car I got cost me $1 per day.
May 2, 2018


Amazin company

Excellent company. They have great people at costumer service. Just the price is a little high but great coverage.
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