Austin Mutual Insurance Company Review [2024]

Austin Mutual Insurance Company, originating in 1896 and now affiliated with Main Street America Insurance, offers a comprehensive overview of its services, including coverage options, reviews, and insights into its history, providing a detailed guide for those seeking information on insurance products and providers.

UPDATED: Feb 18, 2024Fact Checked

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

Licensed Insurance Agent

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

UPDATED: Feb 18, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Feb 18, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 18, 2024Fact Checked
3.9
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Austin Mutual Insurance Company

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Diverse coverage options
  • Tailored policies
  • Established presence

Cons

  • Lack of detailed information
  • Limited information on customer reviews
  • No information on pricing or discounts

Final Verdict: Review of Austin Mutual Insurance Company

Austin Mutual Insurance Company is an insurance company that was started by farmers in the late 1890s. Today, Austin Mutual is an affiliate with Main Street America Insurance. However, you may be able to get insurance under the Austin Mutual Insurance Company.

This guide will walk you through an extensive review of Austin Mutual Insurance and how you can get insurance through its parent company, Main Street America (read our “Main Street America Protection Insurance Company Review” for more information). We can’t promise you cheap auto insurance rates or comprehensive home insurance policies.

To make sure you have the most affordable Austin Mutual insurance, you can compare insurance companies outside of Austin Mutual Insurance Company by entering your ZIP code in our FREE online quote tool. For now, continue reading to learn more about Austin Mutual Insurance.

Austin Mutual Insurance Company is an insurance company that was started by farmers in the late 1890s. Today, Austin Mutual is an affiliate with Main Street America Insurance. However, you may be able to get insurance under the Austin Mutual Insurance Company. This guide will walk you through an extensive review of Austin Mutual Insurance and how you can get insurance through its parent company, Main Street America. We can't promise you cheap auto insurance rates or comprehensive home insurance policies. To make sure you have the most affordable Austin Mutual insurance, you can compare insurance companies outside of Austin Mutual Insurance Company by entering your ZIP code in our FREE online quote tool. For now, continue reading to learn more about Austin Mutual Insurance.

What You Should Know About Austin Mutual Insurance Company

Austin Mutual Insurance Company was started by a group of farmers and other pillars of the Austin, Minnesota community in 1896. The community called their unit the Farmers United Township Mutual Hail Association of Minnesota—an organization that provides low-cost insurance for people affected by windstorms and hail storms.

According to Claims Journal, Austin Mutual Insurance Company and Main Street America Insurance entered an affiliation agreement in 2012. Today, all dealings with Austin Mutual Insurance Co also go through Main Street America Insurance.

Austin Mutual Insurance Company Insurance Coverage Options

You can purchase personal and commercial insurance products from Austin Mutual and its affiliate company. Here’s a list of commercial insurance products you can buy at Austin Mutual Insurance.

  • Business Owners
  • Contractors
  • Commercial Auto
  • Workers’ Compensation
  • Umbrella
  • Surety Bonds
  • Flood Insurance for Business
  • Commercial Agribusiness

We didn’t forget about personal insurance. Check out this list of personal insurance options you can find at Austin Mutual Insurance Company.

  • Auto Insurance
  • Home Insurance
  • Renters & Condos Insurance
  • Personal Umbrella Insurance
  • Landlords Insurance
  • Personal Flood Insurance

Some insurance products, like flood insurance, are incredibly helpful. Specific insurance options fill in the gaps where standard insurance won’t cover. If you live in an area known for flooding, it may be a good idea to add flood insurance to your policy. If flood insurance is good enough for your car, it’s good enough for your home, whether you own it or not.

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Austin Mutual Insurance Company Insurance Rates Breakdown

Driver ProfileAustin MutualNational Average
Clean Record$120$119
1+ Ticket$148$147
1+ Accident$174$173
DUI$210$209
Poor Credit$206$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

Austin Mutual Insurance Company Discounts Available

DiscountAustin Mutual
Anti Theft6%
Good Student12%
Low Mileage9%
Paperless5%
Safe Driver18%
Senior Driver7%

For individuals seeking ways to optimize their insurance expenses, Austin Mutual Insurance Company extends various discounts. Understanding these potential savings can help policyholders make informed decisions when selecting coverage that aligns with their needs.

  • Safe Driver Discount: Policyholders with a clean driving record may qualify for reduced premiums, promoting safe driving habits.
  • Multi-Policy Discount: Bundling home and auto insurance policies with Austin Mutual can result in significant cost savings for customers.
  • Good Student Discount: Students who maintain high academic achievements may benefit from discounted insurance rates.
  • Defensive Driving Course Discount: Completing an approved defensive driving course can make policyholders eligible for a discount on their premiums.
  • Safety Feature Discounts: Vehicles equipped with safety features such as anti-lock brakes or airbags may qualify for additional discounts.

Austin Mutual Insurance Company recognizes the importance of providing cost-effective solutions to its policyholders. By offering a range of discounts, the company aims to make insurance coverage more accessible while rewarding responsible behavior and choices.

Understanding and leveraging these discounts can contribute to a more economical and tailored insurance experience for individuals and families alike.

How Austin Mutual Insurance Company Ranks Among Providers

In the dynamic landscape of insurance, Austin Mutual Insurance Company faces stiff competition from several key players. Understanding the market and its major contenders is essential for individuals seeking comprehensive coverage and competitive rates.

  • State Farm: Renowned for its extensive range of insurance products and nationwide presence, State Farm is a formidable competitor for Austin Mutual.
  • Allstate: With a diverse portfolio and a strong focus on customer satisfaction, Allstate competes directly with Austin Mutual in providing various insurance solutions.
  • Progressive: Known for its innovative approach and user-friendly policies, Progressive is a major player, particularly in the auto insurance sector.
  • Geico: Recognized for its competitive rates and efficient online platform, Geico is a prominent competitor in the insurance market.
  • Farmers Insurance: Serving a diverse clientele, Farmers Insurance is another significant competitor that challenges Austin Mutual’s market presence.

Navigating the insurance landscape requires a thorough understanding of the competitive forces at play. Austin Mutual Insurance Company contends with these key competitors, each offering unique strengths and services, ensuring individuals have a range of options to consider when securing their coverage.

Austin Mutual Insurance Claims Process Explained for Seamless Solutions

Ease of Filing a Claim

Customers with Austin Mutual Insurance Company can file claims conveniently through multiple channels, including online submissions, over the phone, or by utilizing mobile apps. The company prioritizes accessibility to ensure a hassle-free claims process for policyholders.

Average Claim Processing Time

Austin Mutual Insurance Company emphasizes efficiency in its claims processing. While individual cases may vary, the company strives to maintain a reasonable turnaround time for claim resolutions, keeping customers informed throughout the process.

Customer Feedback on Claim Resolutions and Payouts

Feedback on claim resolutions and payouts is crucial for assessing an insurance provider’s reliability. Customer reviews and experiences with Austin Mutual indicate a mixed response, emphasizing the importance of thoroughly understanding the claims process and managing expectations.

Austin Mutual Insurance Digital and Technological Features Unveiled for Elevated User Experience

Mobile App Features and Functionality

Austin Mutual Insurance Company leverages technology to provide a user-friendly mobile app. Policyholders can access features such as claims tracking, policy information, and even initiate the claims process directly from their mobile devices. The app aims to enhance the overall customer experience.

Online Account Management Capabilities

The company’s online account management capabilities empower policyholders to have real-time access to their insurance information. From policy details to billing and claims status, the online portal ensures convenient and efficient management of insurance accounts.

Digital Tools and Resources

Austin Mutual embraces digital tools and resources to offer valuable insights to its customers. From educational resources on insurance topics to interactive tools for policy customization, the digital platform enhances policyholders’ understanding and control over their insurance coverage.

Frequently Asked Questions

How long has Austin Mutual Insurance Company been in operation?

Austin Mutual Insurance Company was established in 1896, making it a long-standing insurance provider with over a century of history.

Is Austin Mutual Insurance Company still an independent entity?

No, Austin Mutual Insurance Company is now part of Main Street America Insurance, and you can explore insurance options through its affiliate.

Can I obtain insurance rates directly from Austin Mutual Insurance or its affiliate?

Unfortunately, you won’t be able to get insurance rates directly from Austin Mutual Insurance or its affiliate company. However, you can explore rates through comparison tools.

How can I file a claim with Austin Mutual Insurance Company?

You can file a claim with Austin Mutual Insurance Company either online through the Main Street America Insurance website or by calling their claims phone number at 1-877-425-2467.

What digital and technological features does Austin Mutual Insurance Company offer?

Austin Mutual Insurance Company provides online payment options and a user-friendly website for managing claims and policies, offering convenience to policyholders.

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Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

Licensed Insurance Agent

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Austin Mutual Insurance Company

3.91 (10 reviews)
5
October 13, 2019

Scalf

Excellent

They are our insurance company for more than ten years. Their agents are are very accommodating. Very nice people. Very affordable insurances.
4
August 23, 2018

lmck

4/5 stars

no negative feedback except the rates are a little higher than i like. the insurance agents are always very helpful and courteous.
3
March 2, 2018

Shojoref

Great choice

My wife and I are customers of mutual insurance for 2 years they have great rates and they make it clear about what we're getting into.
1
July 8, 2017

Sparkyco2

Unhappy!

I used my insurance for the 1st time in 18 years because i was in a hit and run accident due to no fault of my own and i had to fight for 5 years in order to even use my coverage even though the guy was eventually caught, admitted to it and fined by the court system. i was treated like the criminal instead of the guy that hit me. i will be looking for a new company for our insurance needs. We currently have them for everything our vehicles, ho...
I used my insurance for the 1st time in 18 years because i was in a hit and run accident due to no fault of my own and i had to fight for 5 years in order to even use my coverage even though the guy was eventually caught, admitted to it and fined by the court system. i was treated like the criminal instead of the guy that hit me. i will be looking for a new company for our insurance needs. We currently have them for everything our vehicles, house, etc. etc. Would never recommend them.
5
June 6, 2017

ChelseaChampion01

Awesome Customer Service

Everytime I call I speak to a real person and i never wait any longer then 2 minutes. Also when im talking to a real customer service agent they help me with whatever i need and dont pass me around like a hot potatoe.
5
May 18, 2017

tc

Austin Mutual review

Austin Mutual is actually an Ultra-preferred co., and difficult to qualify for. Negative reviews (of any ins co) can't be trusted and are unreliable. Nobody likes insurance, and when they don't agree with a claims determination...they hate them even more. Insurance is pretty standardized, so if a claim was denied by one carrier then it would've been denied by all the others. Austin Mutual is one of the few co.'s that only goes back 3 yrs for your...
Austin Mutual is actually an Ultra-preferred co., and difficult to qualify for. Negative reviews (of any ins co) can't be trusted and are unreliable. Nobody likes insurance, and when they don't agree with a claims determination...they hate them even more. Insurance is pretty standardized, so if a claim was denied by one carrier then it would've been denied by all the others. Austin Mutual is one of the few co.'s that only goes back 3 yrs for your driving record, vs 5 yrs like other carriers. They only want pre-ferred" clients, so if their rate is higher than what you already pay, then you are NOT preferred and they don't want the business. Preferred policies = less claims Standard or High Risk policies = HUGE claims and service nightmares.
2.5
May 8, 2017

samboy30

OK

Is an insurance i've bought it online.Is all ok, my only problem with them is that they spam my email and they call me almost every day for advertisement.
3
April 21, 2017

theresa68

Austin Mutual Company Overview

Austin Mutual was founded in Minnesota in 1896 under the name State Farmers Mutual Hail Association of Minnesota. Only in 1930 was the name changed to Austin Mutual Insurance Company. In 1974 the Austin Mutual Windstorm Insurance Company merged into the Austin Mutual Insurance Company; in 1999 the Waseca Mutual Insurance Company merged into the Austin Mutual Insurance Group.
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