Madison Mutual Insurance Company (MMIC) ranks 6th among auto insurers in 2023, according to Jerry's experts who analyzed reviews from real customers among 120 companies nationwide.

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Updated on Apr 1, 2024

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

What's on this page?

Comprehensive Madison Mutual Car Insurance Review
So, is Madison Mutual a good insurance company?
Madison Mutual car insurance reviews
Madison Mutual pros and cons
Is Madison Mutual the right insurance company for you?
Is Madison Mutual car insurance expensive?
Will Madison Mutual raise your rates?
Does Madison Mutual resolve claims fast?
Does Madison Mutual have good customer service?
Madison Mutual car insurance discounts
Madison Mutual coverage options
Madison Mutual’s additional tools and services
FAQs
Read all Madison Mutual car insurance reviews
Methodology
Meet Our Experts

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Comprehensive Madison Mutual Car Insurance Review

Madison Mutual Insurance Company (MMIC) is one of the highest ranked auto insurance companies in 2023, based on first-hand reviews from real customers.

After reviewing the results from over 120 insurance companies across all 50 states, our experts ranked Madison Mutual 6th when compared to companies of a similar size and popularity.

Below is a breakdown of how current Madison Mutual policyholders rated their experience:

4.5

53 Reviews

5 Stars

60.38%

4 Stars

20.75%

3 Stars

20.75%

2 Stars

1 Star

-1.89%

Over the last 18 months,

Jerry’s

team of experts conducted one of the largest car insurance surveys in the US. This review is based on data collected and analyzed from over 18,000 real policyholder’s experience with some of the top insurance providers.

When surveying, we made sure to ask about key topics, such as their insurance agency’s customer service, claims handling, renewal process, and more.

So, is Madison Mutual a good insurance company?

Yes, MMIC is a good insurance company with a high star rating.

From analyzing over 5,000 real customer reviews on Madison Mutual, we discovered that the majority of policyholders had positive experiences, quickly surpassing the national average of 64%.

The good: Most of the positive reviews for Madison Mutual focused on customer service and cost. Other qualities Madison Mutual customers valued were:

Smooth and easy

insurance claims

process

Affordable costs for

full coverage

and minimum insurance options

Quick and friendly customer service interactions

The other side: Negative reviews typically focused on price increases when filing for a renewal policy, even after being long term customers.

Jump to:

Madison Mutual Car Insurance Reviews

Madison Mutual Pros and Cons

With this insight, we asked policyholders to rank Madison Mutual on their cost effectiveness, client interactions, and renewal process.

Check out how they rated MMIC against the national average for all 120 surveyed companies:

Criteria	Madison Mutual's Rating	Industry Average
Overall	4.7	4.1
Cost / Price	5	3.8
Claim Experience	5	3.5
Customer Service	5	4
Renewal Experience	3.5	4

While real driver reviews are important, we thought it was necessary to also see how industry leaders compared against Madison Mutual. Analyzed alongside our own survey data, here’s exactly how Madison Mutual was rated in comparison to the national average for other insurance companies in the US:

Critera	Madison Mutual	Score Out Of
BBB Rating	A+	A+
A.M. Best Rating	A-	A++

Madison Mutual car insurance reviews

We didn’t just ask existing policyholders to rate Madison Mutual based on criteria we wanted to know—we also wanted to see what they thought!

Madison Mutual pros and cons

Leveraging our analysis of national auto insurance customer satisfaction and the public third-party data available, we determined the pros and cons of purchasing a car insurance policy with Madison Mutual.

Pros

Exceptional claims handling

Supplies homeowners insurance and umbrella options

Easy and reliable customer service

Low premium costs and affordable rates

Cons

Some drivers experienced unexpected rate hikes

A few drivers note problems when it comes to billing

Is Madison Mutual the right insurance company for you?

Madison Mutual is one of the best auto insurance providers for:

Drivers who are also homeowners

Drivers seeking additional coverage

Drivers over the age of 25

Drivers classified as low-income

Keep in mind: Not everyone in these categories may find the best insurance premiums and rates with Madison Mutual. Teens and young drivers can also save money with Madison Mutual, through MMIC’s good student and safe driver discounts!

Madison Mutual provides customer service Monday to Friday between 8am and 4pm to policyholders in Illinois, Missouri, Wisconsin, and Indiana. With insurance products ranging from auto insurance to homeowners, farmowners, and umbrella options, Madison Mutual covers a wide variety of customer needs.

Navigate the buttons below to see a breakdown of our analysis of Madison Mutual’s car insurance services.

Is Madison Mutual car insurance expensive?

Most Madison Mutual car insurance customers gave MMIC a strong financial strength rating, noting that they often received fair rates for their specific insurance needs. Coupled with loyalty and multi-policy discounts, Madison Mutual continues to reward clients with savings!

Our survey results echo this sentiment, with an overwhelming majority of Madison Mutual customer reviews positively mentioning policy costs.

When compared to companies of a similar size, Madison Mutual was ranked 1st for cost satisfaction, achieving a high star rating well over the national average of 3.8. This only proves the cost benefits associated with Madison Mutual.

Here’s exactly how Madison Mutual weighs out against other companies in our study:

Madison Mutual Policy Cost Rating	Ranking	Industry Average
5	1	3.8

Keep in mind: Car insurance rates will vary based on age, driving history, and policy requirements. Therefore, each driver’s quote from Madison Mutual will be unique to them. Madison Mutual

calculates insurance premiums

using the following factors:

Age

ZIP code/city

State

Driving record

Insurance history

Vehicle make, model, and year

Type and

amount of coverage

Additional drivers and their age

Despite the different insurance rating factors across states, there are some general cost trends.

Will Madison Mutual raise your rates?

Madison Mutual, like other insurance companies, can only raise your rates when you

apply for renewal

There are some reasons why your rates with Madison Mutual may increase:

New infractions or violations

New accidents

Change of address

Additional driver added to policy

Inflation

Although increased rates can occur, our survey noted that over half of Madison Mutual customers opted for a policy renewal.

Does Madison Mutual resolve claims fast?

Madison Mutual’s third-party reviews note the efficiency of MMIC’s

car insurance claim

process, claiming fast turn around times with solid results.

After filing a claim, the insurance agent will examine your claim, determine the extent of the damages and injuries sustained, and assess the liability coverage involved to help generate a suitable settlement offer. If they decide against the claim, they will deny promptly.

Over half of our survey respondents with a Madison Mutual insurance policy disclosed filing a claim, and gave MMIC a 5.0 rating on their claims process.

In contrast to the national average of 3.54/5, Madison Mutual ranks noticeably higher, gaining them the 1st place spot for claims process resolution compared to companies of similar size.

Make sure to check out some customer reviews below to see how others described their claims experience with Madison Mutual:

Madison Mutual Claims Resolution Rating	Ranking	Industry Average
5	1	3.5

Does Madison Mutual have good customer service?

Yes, Madison Mutual’s customer service is one of its most discussed qualities.

Both online and in our own survey results, Madison Mutual’s customer service was given a 5/5 rating. With a national average of 3.9 for most insurance companies in the US, Madison Mutual continues to surpass standards.

On several occasions, customers raved about the effectiveness and ease of MMIC’s customer service experience, emphasizing that most of their problems were resolved quickly and efficiently with little to no problems.

Curious to see just how survey respondents answered? Look at what they had to say about Madison Mutual’s customer service:

Madison Mutual Customer Service Rating	Ranking	Industry Average
5	1	4

Madison Mutual car insurance discounts

Madison Mutual not only provides several

car insurance discounts

, but they also supply a wide-range of discounts for homeowners and farm owners, too.

If you’re looking to lower your auto insurance costs even further, discounts are the way to go. Not all providers give discounts, but when they do, it generally comes in the form of safe driving, multi-policy, and multi-vehicle. Sometimes, even adding a teen driver to your insurance policy can offset the price you pay!

Some common discounts for Madison Mutual car insurance policy holders include:

Safe driver

: Drivers with a good driving history and no recent infractions, accidents, or violations are eligible for this discount.

Anti-theft device: Protects your vehicle from theft and vandalism. Simply install the device, and reap the perks!

Multi-policy

: Rewards drivers who have more than one policy with Madison Mutual.

Work from home: Drivers who work from home and don’t commute as often can cut costs on their auto policy with this discount.

Good student

: Provides teen drivers with higher GPAs savings on auto insurance.

Multi-car

: Coupling two or more vehicles under the same policy lowers the overall payment price.

Loyalty: Rewards long-term Madison Mutual customers.

Remember that all discounts offered by insurance companies change over time, and since the writing of this article, new discounts may have been added. To get the latest information on Madison Mutual’s auto insurance discounts, visit their official website, or contact a MMIC representative.

Madison Mutual coverage options

Car insurance coverage options can vary depending on driver need requirements and insurance company offerings. Madison Mutual offers their customers the following

common types of car insurance

Liability insurance

: Drivers can purchase both

bodily injury liability

and

property damage liability

through Madison Mutual to make sure they comply with state insurance minimum regulations.

Comprehensive insurance

: This type of coverage policy will engage if your vehicle is stolen or damaged in non-accident related situations, such as vandalism, severe weather, fires, and more.

Collision insurance

: If you’re involved in a car accident, collision coverage will pay for the damages related to your vehicle—whether it’s a multi-car accident or a single vehicle rollover.

Umbrella insurance: Provides additional coverage beyond the standard liability insurance, and helps protect customers in claims and lawsuits, property damage and personal injury losses, and more.

Rental reimbursement

: If your rental vehicle is damaged after an accident, Madison Mutual will cover the costs of the rental service while your vehicle is being repaired.

Roadside assistance

: Madison Mutual supplies customers 24/7 roadside assistance in case of an emergency.

No-deductible glass coverage: For a small fee, Madison Mutual will waive your glass coverage deductible every six months.

To get a full list of Madison Mutual’s coverage options, the company website suggests all prospective customers contact a representative for further information.

Madison Mutual’s additional tools and services

In addition to basic and additional coverage options, Madison Mutual provides customers with the option to file a claim online by filling out the applicable information. Using the

online portal

, customers can then track their current claim, and see their active policy details.

Additionally, as of 2023, Madison Mutual has partnered with Akur8 to provide modernized pricing processes, using technology to supply customers with comparative price options. Since the press release in July, no further updates have been released.

Currently, Madison Mutual doesn’t have additional programs for customers outside of discounts.

FAQs

How good is Madison Mutual at paying claims?

Jerry survey respondents with MMIC policies rank Madison Mutual high when it comes to the claims process. This could be a result of their online claim form, which clients can fill out and file at any time of the day.

Who is better: Mercury or Madison Mutual?

Mercury Insurance is typically a better insurance provider for high-risk drivers and low-income drivers, whereas Madison Mutual is more suited for seasoned drivers, or those looking for multiple types of insurance.

Keep in mind that all car insurance quotes are unique, so it’s always best to compare quotes to find the right insurance for you.

Does Madison Mutual have good reviews?

Yes. Madison Mutual scored 4.6/5 in our survey of over 120 insurance companies in the US.

How is Madison Mutual auto insurance so cheap?

Thanks to discounts and different coverage options, Madison Mutual can help drivers of any age lower their initial insurance quote while getting the best policy for them!

Does Madison Mutual auto insurance go up after 6 months?

As with most insurance companies, there is a possibility that your insurance will increase after renewal with Madison Mutual. If you have a 6-month policy with Madison Mutual, your rates may go up when you renew.

Read all Madison Mutual car insurance reviews

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.