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Main Street America Car Insurance Review
(Dec 2024)

In Jerry's Comprehensive 2023 Insurance Company Study, Main Street America Insurance Group ranks 4th among the top car insurance providers based on the Jerry research team's analysis of real customer reviews.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Comprehensive Main Street America Car Insurance Review

Main Street America—or Main Street America Insurance Group—is one of the top car insurance providers of 2023, according to first-hand customer reviews analyzed by
Jerry’s
research team.  
Here’s a breakdown of how our verified Main Street America policyholders ranked Main Street America (note that the following survey results apply to Main Street America Protection in Florida):
4.7
red starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred stargray stargray stargray star
55 Reviews
5 Stars
87.27%
4 Stars
0%
3 Stars
12.73%
2 Stars
0%
1 Star
0%

So, is Main Street America a good insurance company?

Yes, as a member of the American Family Insurance (AMFAM) Group, Main Street America is known for its great customer service and claims handling.
Our experts analyzed real Main Street America reviews, and customers had great things to say. Our results showed that 85% of respondents had positive feedback, with no negative reviews and 14% neutral responses. For context, the national average is 64% for positive reviews and 18.5% for negative reviews.
The good: Customers like Main Street America’s wide range of insurance products, easy-to-reach customer service representatives, and flexible billing options.
The other side: Main Street America does not offer SR-22s, rideshare coverage, or gap coverage. Plus, you can’t request a quote online. Instead, you’ll have to speak to a Main Street America agent.
As part of our survey, we asked Main Street America policyholders in Florida to rate the insurance carrier on cost, claims experience, customer service, and the renewal process. 
See for yourself how Main Street America’s ratings compared to the national average of all companies surveyed below:
CriteriaMain Street America's RatingIndustry Average
Overall
4.7
4.1
Cost / Price
3.6
3.8
Claim Experience
4
3.5
Customer Service
4.3
4
Renewal Experience
3.5
4
Based on the
NAIC’s consumer complaint index
, Main Street America has a significantly lower complaint ratio than the national median—0.58 compared to the national index of 1.0. 
We also evaluated the company’s strengths and weaknesses by researching how other industry leaders rated Main Street America. Here’s how Main Street America ranks against the national average for other insurance companies in the US:
Critera
Main Street America
Score Out Of
BBB Rating
A+
A+
A.M. Best Rating
A
A++

Main Street America car insurance reviews

We didn’t only ask real insurance policyholders to rate Main street America by the numbers—we also wanted to hear what they had to say! Take a look at some real reviews from Main Street America insurance policy customers below:

Main Street America pros and cons

Between our national insurance customer satisfaction survey and the public third-party ratings available for Main Street America, you can get a good idea of the pros and cons of going with Main Street America for your car insurance:
iconPros
Lots of insurance types, including homeowners, renters, life, umbrella, and more
Lower-than-average complaint ratio
Wide availability
A variety of payment options
24/7 access to policy information online
iconCons
No mobile app
Must contact an independent agent to request a free quote
No opportunity to file an
SR-22

Is Main Street America the right insurance company for you?

Main Street America is typically one of the best car insurance companies for: 
  • You enjoy working with an insurance agent to manage your policy
  • You’re looking for affordable insurance and lots of discounts
Remember: The best insurance company for one person might not be the same for another, so it’s important to
shop for car insurance
before you choose a policy.
Main Street America is a mid-size insurance company that began in 1923 and is based in Jacksonville, Florida. It offers insurance coverage in 37 states and consistently ranks near the top of similarly sized insurance companies.
Click on the buttons below to see the breakdown of our analysis of Main Street America’s car insurance services.  

Is Main Street America car insurance expensive?

Main Street America customers are typically happy with their rates. 
Of the Florida Main Street America policyholders we surveyed, only 4% of them mentioned cost—and of those people, 100% had positive comments.
When we compared Main Street America to similarly-sized insurance companies, the company placed 4th out of 51 for cost satisfaction. Main Street America also scored 4.7 out of 5.0—well over the national average of 3.81. Here’s how Main Street America compared to the other companies in our study:
Main Street America Policy Cost RatingRankingIndustry Average
3.6
19
3.8
Keep in mind: Insurance rates are highly personalized since they’re based on a wide range of factors. Here are the factors Main Street America uses to
calculate insurance premiums
Keep in mind that each state allows car insurance companies to use different rating factors to calculate insurance costs, although you’ll notice general cost trends by state.

Main Street America cost reviews

Check out what real Jerry users rated Main Street America based on cost below:

Will Main Street America raise your rates?

Main Street America is just like any other insurer—the company can increase your premium
upon renewal
. This is usually every six months.
Usually, your rates will go up because of the following changes:
  • New violations or tickets
  • New accidents
  • New location
  • Adding a vehicle or driver to your policy 
  • Inflation
  • Age
According to our survey, over 18% of drivers with a Main Street America auto insurance policy chose to renew at the end of the policy term. The company ranked 17th out of 51 for the ease of its renewal process. 
Don’t forget: Your insurance premium can fluctuate a little over time, even if your personal profile doesn’t change.

Does Main street America resolve claims fast?

According to Main Street America’s website, the company is “committed to making the claims process as easy as possible to get you back on track quickly.” Our survey of Florida policyholders shows that the company is doing great—earning 4 out of 5 stars for
car insurance claim
satisfaction.
To file a claim, you can fill out an online form, and an agent will respond within three days. You can call a customer service representative to submit a claim over the phone or contact your local independent agent to file a claim with them. All of these options are available 24/7/365.
Take a look at some of the Main Street America Insurance reviews below to see how customers described their experience with the claims process:
Main Street America Claims Resolution RatingRankingIndustry Average
4
4
3.5

Main Street America claims reviews

Take a look at how real Jerry users rated Main Street America based on claims handling below:

Does Main Street America have good customer service?

Yes—customer service is one of Main Street America’s strengths.
Main Street America customers in Florida gave the company’s customer service a rating of 4.3 out of 5. Since the national average is 3.9 for customer service, Main Street America has significantly better customer service than most insurance companies. Out of 51 comparably sized insurers, Main Street America ranked number 10 for customer service.
Keep reading to see how survey respondents rated Main Street America’s customer service:
Main Street America Customer Service RatingRankingIndustry Average
4.3
10
4

Main Street America customer service reviews

Check out how real Jerry users rated main Street America based on customer service below:

Main Street America car insurance discounts

Main Street America offers lots of
insurance discounts
and perks that can reduce the cost of your insurance premium.
You might be surprised at how much you can lower your insurance premium. Before you sign up for a new insurance policy, find out what discounts you’re eligible for. Most insurance companies allow you to combine discounts, too. 
Here are some discounts you may be eligible for with Main Street America:
  • Multi-policy/bundling discount: Enjoy a discount when you combine auto, home insurance, renter’s insurance, or life insurance policies.
  • Multiple vehicle discount: Insure more than one vehicle with Main Street America for a discount.
  • Good student discount: Get a reduced policy rate if you’re a young driver who maintains a “B” average.
  • Payment in full discount: You’ll get a discounted rate if you pay the whole term’s premium instead of paying it monthly. You can also get a discount for automatic payments.
  • Defensive driving course discount: Take an approved driving course and enjoy a cheaper car insurance premium.
  • Loyalty discount: Main Street America rewards you with a discount if you’ve been insured continuously with them for the past 12 months.
  • Accident-free and violation-free discounts: Earn these discounts by practicing safe driving habits for the previous three years.
Discount availability can change and vary from state to state, so check with a Main Street America insurance agent to learn about how you can save money.

Main Street America coverage options

Main Street America customers enjoy a wide variety of options when it comes to
car insurance types
. Here are the mandated coverages you can get from Main Street America:
For full insurance coverage or popular add-ons, Main Street America also offers:
  • Collision coverage
    : This insurance pays for damages and repairs to your vehicle if you’re in an accident, regardless of who was at fault. Just remember that you will have to pay an
    insurance deductible
    to file a collision coverage claim.
  • Comprehensive coverage
    : If your car has damages not covered by collision, comprehensive could cover it. Comprehensive protects your vehicle in the event of theft, vandalism, extreme weather, or a natural accident. Again, you will have to pay a
    comprehensive deductible
    .

Main Street America’s additional tools and services

Main Street America also offers additional services such as:
  • Roadside assistance
    : You might see this listed as towing and labor coverage. Typically, you’ll get 24/7 roadside assistance that covers towing, fuel delivery, battery services, locksmith services, and more.
  • New vehicle replacement: Main Street America will pay for the full cost of replacing your vehicle if your new car is stolen or totaled.
  • Accident forgiveness: If it’s your first at-fault accident, you won’t see your insurance premium go up.
  • Gap insurance: If your car is totaled, Main Street America pays for the difference between the
    actual cash value
    and the amount you still owe on the vehicle.

FAQs

No, at this time, Main Street America does not provide SR-22 services to high-risk drivers.
Main Street America can be expensive if you are a high-risk driver or don’t qualify for many discounts. You might be able to score
cheap car insurance
from Main Street America if you have a clean driving record or bundle multiple discounts.
A.M. Best, the credit-reporting agency, gives Main Street America a financial strength rating of A (excellent) and an issuer credit rating of A+.
Main Street America is a member of American Family Insurance (AMFAM), which includes American Family,
The General
, Connect, and Homesite. Main Street America is part of the Main Street America Group, which includes Old Dominion, NGM Insurance Company, and more. 

Read all Main Street America 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

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R.E. Fulton
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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.
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Lina Zhang
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Licensed Insurance Agent
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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.
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Josh Damico
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Head Of Insurance Operations
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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.