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Brethren Mutual Car Insurance

Smart Score

64

Industry Average: 75

Smart Score

64
/100

Industry Average: 75

Customer Service

7.7
/10

Industry Average: 7.7

Claims Process

8
/10

Industry Average: 8

Value for Price

5
/10

Industry Average: 7

Brethren Mutual Overview

In business for more than 120 years, Brethren Mutual started as a small company that has grown to serve multiple states with multiple lines of business. Brethren Mutual is focused on property and casualty insurance. Their personal insurance options include both home and auto insurance, and they also insure businesses and farms – their original line of business. Brethren Mutual has a long history and a good reputation, and they may appeal to those that prefer a small, homegrown company and like to work with an agent versus a direct buy experience.

Lines of Business:

Brethren Mutual Ratings Breakdown

Smart Score

64

Brethren Mutual: 64
Industry Average: 75
Brethren Mutual: 64
Industry Average: 75

Why our Smart Score matters

Brethren Mutual’s Smart Score of 64 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Brethren Mutual’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 64, Brethren Mutual falls short of the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

7.7

Brethren Mutual: 7.7
Industry Average: 7.7
Brethren Mutual: 7.7
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Brethren Mutual’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Brethren Mutual’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Brethren Mutual’s service score of 7.7, they have a decent rating compared to similar auto insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

8

Brethren Mutual: 8
Industry Average: 8
Brethren Mutual: 8
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Brethren Mutual. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Brethren Mutual handles it.


Brethren Mutual’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Brethren Mutual.


What does this mean for you?

Evident from a claims score of 8, Brethren Mutual has a reasonable rating compared to the average claim score of 8 for similar auto insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

5

Brethren Mutual: 5
Industry Average: 7
Brethren Mutual: 5
Industry Average: 7

Brethren Mutual’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Brethren Mutual comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Brethren Mutual’s value for price score of 5 is not great compared to the average of 7 from other auto insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

Brethren Mutual Auto Official Complaints

Official Complaints

Worse than average

Tracks how many more or less official complaints Brethren Mutual has than average. With an index of 4.9 Brethren Mutual is worse than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Brethren Mutual has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Brethren Mutual has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 4.9 Brethren Mutual is worse than average.

Brethren Mutual Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Brethren Mutual

Available OptionsWhat it meansSee something wrong?
Emergency Assistance Coverage

Covers cost of any emergency services called when involved in an incident

Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Comprehensive Claim Forgiveness

Protects your driving record from being affected by the insurance company's rating system for a comprehensive claim on your history, thus preventing your insurance premium from going up due to this type of accident.

Extended Coverage

Variety of extra coverages such as gap coverage, rental reimbursement and roadside assistance.

Umbrella Policy

Liability insurance that covers the excess portions of claims not covered by your other insurance policies.

Sound System Coverage

Replaces stolen or damaged equipment, speakers and components for your car.

Brethren Mutual availability in these states

Brethren Mutual Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Brethren Mutual has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Multiple Policy

While insurers are out to protect drivers, they also need to make money, and they tend to make more when a customer has multiple products (policies) with them. As a result, they can offer savings when drivers pair their car policy with another (home, renters, umbrella, etc.) policy.

Homeowner

Insurers often view homeowners as statistically more stable and less risky. Being less expensive to insure in the long run, a discount is offered as a way to pass along some of the savings. It can also incentivize the driver to bundle their home policy with the same company.

Farm Vehicle

This discount rolls in when a vehicle primarily sticks around the farm and avoids the open road.

Compare

How does Brethren Mutual compare to other insurance companies? Click the following links below to compare Brethren Mutual to other top insurance companies.

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