Is Hastings Mutual Good for Auto Insurance?

Last Updated on May 11, 2023

Hastings Mutual is an insurance company based in Hastings, Michigan.

The company offers a range of insurance products, including home, business, farm, and car insurance. Hastings Mutual serves customers across six states.

Is Hastings Mutual good for car insurance? Is Hastings Mutual a good auto insurance company? Find out everything you need to know about Hastings Mutual today in our review.

Key Takeaways:

• Hastings Mutual is a regional insurance company that offers car insurance and other products in six Midwestern states: Michigan, Illinois, Indiana, Iowa, Ohio, and Wisconsin.
• Hastings Mutual has a long history of serving customers since 1885, when it was founded as a windstorm insurance company in Hastings, Michigan. The company has a strong financial rating of A (Excellent) from A.M. Best and an A+ rating from the BBB.
• Hastings Mutual car insurance offers various coverage options, discounts, and enhancements for different types of vehicles and drivers.
• Hastings Mutual car insurance is sold through independent agents who can provide personalized service and advice.
• Customer reviews are mixed, with some praising the company’s prices and claims satisfaction and others complaining about the lack of online features and communication issues.
• Insurance Panda gives Hastings Mutual 4.1/5

About Hastings Mutual

Hastings Mutual is a property and casualty insurance company serving customers across six states in the Midwestern United States.

Headquartered in Hastings, Michigan, Hastings Mutual has served policyholders for over 130 years.

The company was founded in 1885 by Daniel Webster Rogers as the Michigan Mutual Tornado, Cyclone and Windstorm Company. D.W. Rogers, a local farmer, was motivated to launch the company after watching multiple tornadoes destroy the small community of Hastings, Michigan, in 1880 and 1882, destroying over $225,000 of property.

Over the years, Hastings Mutual expanded its insurance products beyond windstorms and cyclones. The company was known as The Windstorm Company throughout the 1800s and 1900s, although it finally became known as Hastings Mutual Insurance Company in 1959.

Today, Hastings Mutual aims to win over policyholders with excellent customer service and top-quality insurance products. The company is also known for its solid financial strength.

Hastings Mutual serves customers in Illinois, Indiana, Iowa, Michigan, Ohio, and Wisconsin.

According to the company’s official website, Hastings Mutual is “guided by the highest ethical standards,” seeking to serve the interests of agents, policyholders, and employees by offering high-quality insurance products at competitive prices.

Hastings Mutual has 500 employees. The company does business through 600 independent insurance agents located across its six target states. All policies are written exclusively through independent insurance agencies.

Hastings Mutual Contact Information
Address	404 E. Woodlawn Ave. Hastings, MI 49058
Phone	(800) 442-8277
Hours	Monday-Friday 8:00 a.m. – 4:30 p.m. (EST)
Website URL	https://www.hastingsmutual.com/

Hastings Mutual Insurance Products & Services

Hastings Mutual offers business insurance, farm insurance, home insurance, auto insurance, and other insurance products.

Core insurance products available with Hastings Mutual include:

Business Insurance: Hastings Mutual offers a range of insurance products targeted to small, medium, and large business owners. Primary coverage includes business owners insurance, Choice Auto Repair Service (CARS), innkeepers insurance, contractors insurance, and umbrella policies. The company also offers add-ons like cyber liability coverage, agri-business coverage, contractor errors and omissions, veterinarians coverage, and well drillers insurance, among other unique add-ons for unique business needs.

Farm Insurance: Hastings Mutual offers farm insurance to small and medium-sized farms. The primary farm insurance coverages include farmowners coverage and umbrella insurance. Add-on coverages include Farmowners Coverage Plus, farmowners pollution liability, Growers Plus, Hop-Up, identity protection, Parlor Pak, Pig Pak, and pork producers coverage, among others.

Homeowners Insurance: Hastings Mutual lets homeowners, renters, landlords, and others protect their property with a range of policies. Homeowners can add identity protection and other coverage to their policies.

Auto Insurance: Hastings Mutual offers auto insurance for all types of vehicles. The company offers full coverage car insurance for maximum protection, minimum liability insurance plans, and other products. Customers enjoy a range of discounts and bonuses compared to competing providers.

How Does Hastings Mutual Car Insurance Work?

Hastings Mutual offers full coverage car insurance, minimum liability car insurance, and insurance for all types of vehicles. You can buy insurance for private passenger vehicles, antique automobiles, classic cars, electric cars, motor homes, pickups, vans, trailers, and other alternative vehicles.

Core car insurance products available with Hastings Mutual include:

Liability Insurance: All states require drivers to cover their liabilities. If you injure someone or damage someone’s car while driving, then you need to pay. Hastings Mutual, like all other car insurance companies, offers bodily injury liability insurance, property damage liability insurance, and other types of insurance coverage.

Collision Coverage: Collision coverage covers damage to your own vehicle after an accident. It is not required in any state. If you damage your vehicle in an accident, then you can make a claim with Hastings Mutual to cover the cost of repairing your vehicle.

Comprehensive Coverage: Hastings Mutual offers comprehensive coverage to protect your vehicle outside of accidents. Comprehensive coverage covers theft, vandalism, hail damage, and other damage.

Personal Injury Protection: Required in Michigan and other states, personal injury protection (PIP) covers medical bills after an accident, regardless of fault.

Roadside Assistance: When things go wrong while driving, you depend on towing companies and other services to help you. Hastings Mutual lets you add roadside assistance to your plans for a few extra dollars per month.

Coverage for Unique Vehicles: Hastings Mutual covers ordinary vehicles along with antique cars, classic cars, commercial cars and fleets, electric cars, motorhomes, pickups and vans, trailers, and other unique vehicles.

Other Types of Coverage: Hastings Mutual also offers pet injury coverage, accidental death benefits, loss of use coverage, diminished value on rental vehicle coverage, travel interruption coverage, and other unique types of coverage.

What Makes Hastings Mutual Unique?

Customers in Michigan and other states have plenty of options for car insurance. What makes Hastings Mutual unique? Why should you pick Hastings Mutual? Here are some of the unique differences emphasized by the company.

Local Service: Hastings Mutual was founded in Hastings, Michigan, over a century ago, and the company continues to be based in Hastings today. The company is a locally born-and-bred insurer known throughout Michigan and surrounding states. If you like a local company over a nationwide firm, then Hastings Mutual may be the right choice for you.

Local, Independent Agents: Hastings Mutual sells car insurance through its network of independent insurance agents located across its six covered states. If you like the local, personalized approach of having an insurance agent nearby, then Hastings Mutual may be the right choice for you.

Competitive Prices: Hastings Mutual offers competitive car insurance prices in most states, and it frequently ranks among the best-value providers in Iowa, Wisconsin, Indiana, Ohio, Illinois, and Michigan.

Strong Claims Satisfaction and Customer Service: Despite offering competitive prices, Hastings Mutual offers strong claims satisfaction and customer service. The company is well-rated by policyholders for its approach to settling claims and handling customer complaints.

Strong Financial Rating: Many small and medium-sized insurance companies have poor financial strength ratings. Their business is based in a small local area, which makes them susceptible to regional disasters. Despite its business being concentrated in the Midwestern United States, Hastings Mutual has a strong financial strength rating, ranked as A (Excellent) from A.M. Best.

Hastings Mutual Auto Insurance Discounts

Hastings Mutual offers a range of discounts similar to the discounts from other providers. Common discounts available through Hastings Mutual include the following:

Away-at-School Discount: If you are a full-time student living away from home, your family could qualify for an away-at-school discount. Your insurance premiums drop, and you can continue driving the car when home from school during breaks or on weekends. You must live a certain distance away from home to qualify for this discount (typically 50 to 100 miles away).

Defensive Driving Course Discount: Have you recently completed a defensive driving course? If so, you could qualify for a defensive driving course discount from Hastings Mutual.

Good Student Discount: Good students qualify for good car insurance prices with Hastings Mutual. To qualify for a good student discount, you must maintain a strong grade point average (typically B or B+ or better) while attending high school or college full time.

Claims-Free Discount: If you have not made any claims on your Hastings Mutual insurance policy within the past 3 to 5 years, then you could qualify for a claims-free discount.

Multi-Policy Discount: If you have multiple insurance policies with Hastings Mutual, you could qualify for a multi-policy discount. This discount applies to home, umbrella, and car insurance.

Safe Driving Discounts: If you have no speeding tickets, at-fault accidents, or other incidents or citations within the past 3 to 7 years, then you could qualify for safe driving discounts, saving you hundreds per year on car insurance.

Hastings Mutual Reviews & Ratings

Hastings Mutual is well-rated by policyholders, agents, and industry organizations alike. The company is recognized for its top customer service and its wide spectrum of insurance products.

Although Hastings Mutual is popular with customers in six Midwestern states, most complaints revolve around the size of the company. Hastings Mutual may not have the amenities of a larger insurance company.

However, if you like a local, customer-focused approach to car insurance, then Hastings Mutual may be the right choice for you.

Hastings Mutual is accredited and has an A+ rating from the Better Business Bureau (BBB). The company has had six total complaints with the BBB in the last three years.

Hastings Mutual appears to have a strong financial position. A.M. Best awarded the company an A (Excellent) rating. A.M. Best analyzes the financial strength of insurance companies based on their assets and liabilities. A rating of A (Excellent) is considered good, especially for a medium-sized, regional insurance company like Hastings Mutual.

Hastings Mutual has $1,029,900,000 in total assets. The company wrote $396,231,000 of direct, written premiums in 2022.

Frequently Asked Questions

Final Word on Hastings Mutual Auto Insurance

Hastings Mutual is a Michigan-based insurance provider known for strong customer service, claims satisfaction, and prices. The company has insured policyholders in Michigan and five nearby Midwestern states for 135+ years.

If you need car insurance in Michigan, Indiana, Illinois, Ohio, Wisconsin, or Iowa, request a quote from your local Hastings Mutual agent today.