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Central Mutual Car Insurance

Smart Score

83

Industry Average: 75

Smart Score

83
/100

Industry Average: 75

Customer Service

8
/10

Industry Average: 7.7

Claims Process

9.6
/10

Industry Average: 8

Value for Price

7.2
/10

Industry Average: 7

Central Mutual Overview

Founded as the Central Mutual Insurance Company in 1876, the Central Insurance Group of companies has evolved into a successful property and casualty group operating on a strong foundation of core values. Central Mutual writes auto insurance and homeowners on the personal side as well as business insurance policies, and they serve 24 states through local independent agents. Central Mutual offers some very good personal insurance policies, with the option for a lot of upgrades as well as a more basic, budget plan. If you want the personal service of an agent and seek value over the lowest price, they might be worth a look.

Lines of Business:

Central Mutual Ratings Breakdown

Smart Score

83

Central Mutual: 83
Industry Average: 75
Central Mutual: 83
Industry Average: 75

Why our Smart Score matters

Central Mutual’s Smart Score of 83 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 Central 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 83, Central Mutual rises above 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

8

Central Mutual: 8
Industry Average: 7.7
Central Mutual: 8
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Central Mutual’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Central 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 Central Mutual’s service score of 8, they have a solid 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

9.6

Central Mutual: 9.6
Industry Average: 8
Central Mutual: 9.6
Industry Average: 8

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


Central 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 Central Mutual.


What does this mean for you?

Evident from a claims score of 9.6, Central Mutual has an outstanding 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

7.2

Central Mutual: 7.2
Industry Average: 7
Central Mutual: 7.2
Industry Average: 7

Central 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 Central 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?

Central Mutual’s value for price score of 7.2 is excellent 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.

Central Mutual Auto Official Complaints

Official Complaints

Better than average

Tracks how many more or less official complaints Central Mutual has than average. With an index of 0.7 Central Mutual is better than average.


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

  • The percentage of how many complaints Central 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) Central 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 0.7 Central Mutual is better than average.

Central 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 Central Mutual

Available OptionsWhat it meansSee something wrong?
Loss of Use Coverage

Covers any additional living expenses, meaning any necessary expense that exceeds what you normally spend.

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.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Gap Insurance

Helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.

Original Equipment Manufacturer Coverage

Helps ensure aftermarket parts will not be used when repairs are made to your vehicle

Emergency Lockout Coverage

Service that helps you get back in your car if you locked them inside, or can’t find them.

Central Mutual availability in these states

Central 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 Central 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?
Passive Restraint

Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.

Anti Theft Device

This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.

Accident Free

Tied to drivers on the policy and any accidents in their record. though insurers generally only consider the past 3 to 5 years.

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

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