In a study of real insurance policyholders’ experiences, the Jerry research team ranked USA Underwriters 12th overall compared to companies of a similar size.

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Updated on Jan 10, 2024

Lina Zhang

Licensed Insurance Agent, VP of Operations

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by R.E. Fulton, Licensed Insurance Agent —Senior Content Writer

What's on this page?

Comprehensive USA Underwriters Car Insurance Review
So, is USA Underwriters a good insurance company?
USA Underwriters pros and cons
Is USA Underwriters the right insurance company for you?
Is USA Underwriters car insurance expensive?
Will USA Underwriters raise your rates?
Does USA Underwriters resolve claims fast?
Does USA Underwriters have good customer service?
USA Underwriters car insurance discounts
USA Underwriters coverage options
FAQs
Methodology
Meet Our Experts

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Comprehensive USA Underwriters Car Insurance Review

USA Underwriters is a leading

auto and home insurance company

in the state of

Michigan

and is ranked 12th in Jerry’s 2023 review of American

car insurance companies

when compared to companies of a similar size

Jerry experts conducted one of the nation's most extensive reviews to collect car insurance information over 18 months. We surveyed over 18,000 policyholders from all 50 states, asking them about their experience with their insurance company’s customer service, renewal process, claims handling, and more.

Here's how our survey respondents rated USA Underwriters:

3.5

54 Reviews

5 Stars

14.81%

4 Stars

40.74%

3 Stars

29.63%

2 Stars

9.26%

1 Star

5.56%

So, is USA Underwriters a good insurance company?

Overall, USA Underwriters is a reliable insurance company with high ratings from its small, yet dedicated, customer base.

We looked at all the verified reviews our customers have left for USA Underwriters, and we found that 66.7% of them had a positive opinion of the service they received, while about 33% were merely neutral—we haven't received any negative reviews as of writing this article!

It's easy to see why USA Underwriters did so well in our survey when compared to the average national rating of 64% positive reviews and 18.54% negative reviews. The premiums and insurance coverage options offered by USA Underwriters are especially appreciated by customers who may have trouble obtaining insurance elsewhere.

We surveyed customers about their opinions on pricing, claims handling, service, and renewing their policies with USA Underwriters.

See how USA Underwriters stacked up against the competition in the table below:

Criteria	USA Underwriters Insurance's Rating	Industry Average
Overall	4.3	4.1
Cost / Price	4	3.8
Claim Experience	5	3.5
Customer Service	4	4
Renewal Experience	5	4

To find out what it was like to have auto insurance coverage through USA Underwriters, we surveyed actual drivers and consulted with industry professionals.

In the table below are the expert ratings USA Underwriters received from industry experts.

Critera	USA Underwriters	Score Out Of
BBB Rating	A	A+
NAIC Rating	n.a	6
Clearsurance	4.34	5
A.M. Best Rating	n.a	A++
IOS App Store Rating	n.a	5
Google Play Store Rating	n.a	5

Please note* that a greater NAIC score indicates increased risk.

USA Underwriters pros and cons

Here are the benefits and drawbacks of purchasing an auto insurance policy from USA Underwriters, based on the findings of our national insurance customer satisfaction survey and publicly available third-party ratings:

Pros

Easy-to-use online portal, where you can report claims instantly

Many coverage options

Good rates for high-risk drivers and drivers with poor credit

Offers same-day coverage

Cons

Limited availability (only in Michigan)

Small company, so it can take longer to get claims resolved

Is USA Underwriters the right insurance company for you?

USA Underwriters is an excellent insurance provider for:

Drivers who are looking for more affordable rates

Price-conscious drivers

Drivers in need of same-day coverage

But it is important to note that USA Underwriters is only available in Michigan—it is, in fact, Michigan’s oldest continually-operating auto insurance company! It began as the Southern Michigan Mutual Insurance Company in 1862 and was renamed to USA Underwriters in 2013.

USA Underwriters offers basic auto insurance and

homeowners insurance

and some special coverages, like

rental car reimbursement

accident forgiveness

, pet coverage, and more.

To get to different sections of our study of USA Underwriters' car insurance, use the links below:

Is USA Underwriters car insurance expensive?

According to our findings, USA Underwriters is a reasonably priced insurer.

The costs of USA Underwriters were mentioned in only 33% of reviews, yet these mentions were all positive! Auto insurance from USA Underwriters appears to be well-priced.

Because of the small sample size, USA Underwriters Insurance Company ranked 14th in our examination of customer satisfaction with insurance rates among companies of similar size. In relation to national ratings, they are slightly above average, having a 4/5 versus 3.81/5.

Our analysis of USA Underwriters and other company’s insurance costs has yielded the following findings:

USA Underwriters Insurance Policy Cost Rating	Ranking	Industry Average
4	14	3.8

When comparing prices, remember that USA Underwriters' rates change depending on the driver. When determining your premium, USA Underwriters, like most insurance companies, takes into account the following information:

Age

Gender

Driving record

Insurance history

Driving experience

Type and

amount of car insurance coverage

Make, model, and year of vehicle

Premiums are determined by a variety of factors

, and insurers have the discretion to use those criteria as they see fit.

Will USA Underwriters raise your rates?

USA Underwriters can raise your rates every time you

renew your policy

, just like any other insurance company.

Insurance rates tend to fluctuate over time, no matter what happens to your driving record or any other changing factors. USA Underwriters may raise your premium because of the following:

New address

New tickets, violations, or accidents

New car on the policy

New driver on the policy

Inflation

Jerry surveyed drivers and found that 100% chose to renew their USA Underwriters car insurance policy!

Does USA Underwriters resolve claims fast?

Many insurance firms, including USA Underwriters, take an average of 30 days to settle a claim. The circumstances of your case, though, will impact how long it takes to resolve your

auto insurance claim

Customers of USA Underwriters gave the company's claims process a perfect score of 5/5. According to the same poll, 100% of respondents with USA Underwriters insurance have filed at least one claim.

The average rating for insurance companies is 3.54 out of 5, so USA Underwriters scores far above that. As a result, we put USA Underwriters 1st for handling claims among businesses of the same size.

Take a look at the feedback below to learn more about the claims process with USA Underwriters:

USA Underwriters Insurance Claims Resolution Rating	Ranking	Industry Average
5	1	3.5

Does USA Underwriters have good customer service?

USA Underwriters provides excellent service to its clients.

In our survey, policyholders gave USA Underwriters' customer service an overall score of 4 out of 5. Compared to the national average of 3.9 stars, USA Underwriters' customer service is slightly above average.

We learned the following about how well USA Underwriters serves its customers:

USA Underwriters Insurance Customer Service Rating	Ranking	Industry Average
4	13	4

USA Underwriters car insurance discounts

USA Underwriters offers some

discounts on car insurance

that can help you save money.

The following discounts may be available from USA Underwriters:

Automatic payments discount: Setting up automatic payments for your car's insurance bill each month could result in savings.

Defensive driving discount: If you complete and pass a driver safety course, USA Underwriters may offer you a discount on your auto insurance.

Good student discount

: Customers can save money if a student on their insurance plan performs well in school.

Multi-vehicle discount: If USA Underwriters insures two or more vehicles in your home, you could save money on your policy.

Responsible payer discount

: You may be eligible for a discount if you do not miss a payment for a specified length of time.

Student away at school discount

: If one of the drivers on your policy is a student who goes away to school and drives an insured vehicle when they come home, you may be eligible for a discount.

Your insurance policy's discounts may have changed since this page was last updated. You can always find the most up-to-date discount information for USA Underwriters at www.usaunderwriters.com or by contacting a representative directly.

USA Underwriters coverage options

Even though all insurance companies are required by law to offer at least the

minimum liability coverage

needed in your state, USA Underwriters also offers a number of additional auto insurance products that are not required, including full coverage options.

USA Underwriters offers these types of insurance:

Liability car insurance

: If you cause an accident, your

bodily injury liability

and/or

property damage liability

will cover claims from other drivers. Both coverage types are required by law in most states.

Collision insurance:

This coverage will help pay for the damage if you hit another car or a fixed object, or if your car rolls over.

Comprehensive insurance:

This insurance covers damage that was not caused by a collision, such as theft, vandalism, an animal, or bad weather.

Personal injury protection (PIP) coverage: If you are hurt in a car accident, PIP will pay for your medical bills, lost wages, and rehabilitation costs.

Roadside assistance: This is also called

towing and labor coverage

, and it pays for services like towing, locksmiths, and jumpstarting a dead battery.

Uninsured/underinsured motorist coverage

: Uninsured motorist coverage is useful in case you get into an accident with a driver who is at fault but doesn't have enough liability coverage to pay for your bills.

Rental reimbursement coverage: This policy add-on will help pay for a rental car if your car can't be driven or needs repairs.

Accident forgiveness: With this policy extra, your first accident that you caused won't hurt your driving record or raise your premium.

Gap insurance: Gap insurance pays the difference between the cash value of a leased or financed car and the amount you still owe on the loan if you wreck it.

FAQs

How do I file a claim with USA Underwriters?

There are two ways to file a claim with USA Underwriters. You can apply online through the website or call their helpline number, 855) 230-1656, to file your claim.

Be sure to gather the necessary data before submitting your claim. This includes details about the accident, the other driver(s)' insurance, license, and contact information, as well as any police report from the accident.

Where is USA Underwriters car insurance available?

USA Underwriters auto insurance is only available in Michigan.

Does USA Underwriters have good reviews?

Yes, USA Underwriters has great reviews. In Jerry's survey, current USA Underwriters policyholders gave the company an average rating of 4.3 out of 5.

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.