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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Hastings Mutual is a small regional insurance company based in the Midwest. Although it doesn’t have a catchy slogan or mascot, it’s built a solid reputation in the handful of states where it operates.
The company also has an excellent financial strength rating from AM Best and fewer complaints than the industry average for a company its size, according to the National Association of Insurance Commissioners (NAIC).
This Hastings Mutual insurance review includes real feedback from verified Insurify users. It also provides industry data and our own expert evaluation to give you a complete look into Hastings Insurance.
While data is limited, we’ll provide some insight into the coverage it offers and its customer service. Despite its limited add-ons and fewer online features, Hastings Insurance may still be worth checking out.
Hastings Mutual user rating: 4.8/5 from 10 verified Insurify reviews
Best for: Midwest auto owners who value personal service and want to bundle car insurance with home or farm coverage
| User Reviews | 4.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
Hastings Mutual might not be the cheapest insurer, and that’s the first thing you should know. It’s been around for 135 years and focuses on providing personalized service through its network of independent insurance agents.[1] If you’re looking for home or farm insurance in addition to auto coverage, Hastings checks all the boxes.
You’ll find the car insurance coverage options you’d expect, including liability and full coverage. You can also add on roadside assistance and rental car coverage.
Hastings Mutual isn’t known for its digital tools, though. Aside from online claims filing, the overall tech experience is minimal compared to other insurance companies.
Where Hastings stands out is for its stability and reliability. The company’s AM Best financial strength rating of A (Excellent) and its exceptionally low National Association of Insurance Commissioners (NAIC) complaint index rating are proof of its strong industry reputation.
We’ve collected several reviews from verified Hastings Mutual customers. The table below shows how they rated their experience across different categories.
Category  | Average Score |
|---|---|
| Overall experience rating | 4.8/5 |
| Customer service | 4.2/5 |
| Value | 4.2/5 |
| Claims handling | 4.4/5 |
| Coverage options | 4.3/5 |
| Discounts | 4.3/5 |
| Policy transparency | 4.2/5 |
| Policy flexibility | 4.2/5 |
The following reviews come from verified drivers who recently switched insurance companies and shared their experiences with us. We double-check every review through our verification process to ensure you’re reading real user satisfaction feedback from actual customers.
Every insurer wants you to believe it’s the best option around. To find out the truth, you can check industry ratings. These ratings are a helpful way to compare insurance companies and uncover red flags before you buy a policy.
For instance, AM Best financial strength ratings tell you if a company has the ability to pay its claims.[2] In contrast, the NAIC complaint index shows how often customers complain to state regulators.
Rating | Score | What This Means |
|---|---|---|
| AM Best | A (Excellent) | Ratings comparable to those of competitors |
| J.D. Power | Not included | Excluded due to size (not performance) |
| NAIC complaint index | 0.40 | Significantly better than the industry average |
| BBB customer reviews | 1 out of 5 stars | The small number of reviews (15) may not give an accurate picture |
Check quotes from 120+ top insurance companies
 |  |  |  |
|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $99/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $62/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $0/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $181/mo* |
Overall rating 4.4 | Overall rating 4.0 | Overall rating 0.0 | Overall rating 3.8 |
Value for money 3.6/5 | Value for money 3.1/5 | Value for money 0.0/5 | Value for money 3.3/5 |
Customer service 3.6/5 | Customer service 3.4/5 | Customer service 0.0/5 | Customer service 2.8/5 |
Claims handling 4.0/5 | Claims handling 3.8/5 | Claims handling 0.0/5 | Claims handling 3.4/5 |
Special highlight High customer satisfactionAI-generated from 211 user reviews | Special highlight Cheap ratesAI-generated from 34 user reviews | Special highlight Customer satisfactionAI-generated from 0 user reviews | Special highlight Difficult-to-insure driversAI-generated from 35 user reviews |
Most auto insurance companies offer discounts that nearly all policyholders can benefit from, such as multi-policy or multi-car discounts.[3] The savings potential will range based on the company’s eligibility requirements and offers.
For example, Hastings offers a multi-policy discount for people who also purchase home or umbrella insurance policies, but it doesn’t explain how much policyholders can save. The following discounts may also be available, but they aren’t currently listed on the company’s website.
Away at school
Claim-free
Multi-policy for home and umbrella
Hastings Mutual, like all car insurance companies, must offer the minimum insurance coverage as required by the states where it operates.[4] This is referred to as liability-only insurance and typically includes bodily injury insurance and property damage insurance.
While you can also choose collision and comprehensive coverage, the site doesn’t mention uninsured/underinsured motorist coverage for personal auto policies. You’ll need to request a quote online or speak with an agent to find out what coverages Hastings Mutual offers.
Hastings allows you to add an extra driver in your household to your policy. It also offers several optional coverages, including:
If you’re in an accident and your car needs repairs, Hastings Mutual will help cover the cost of a rental car so you can get back on the road.
This coverage includes travel interruption protection, which pays for meals and lodging expenses during a breakdown, loss of use for commercial rented vehicles, pet injury coverage/death benefit from a crash, key-replacement services, and child restraint system coverage.
This includes emergency fluid delivery, tire changes, towing, and minor mechanical first aid.
You’ll find other insurance products at Hastings Mutual, including home, farm, and business insurance.
Homeowners insurance: Home insurance from Hastings Mutual offers unique add-ons, such as utility line coverage and mechanical breakdown protection for home systems.
Farm insurance: Designed for farmers, policies can protect farm property and equipment while also providing liability coverage.
Commercial insurance: Business insurance coverage from Hastings Mutual includes commercial auto, workers’ compensation, and specialty insurance for specific industries.
Let us do the work getting quotes from 120+ companies. You sit back and save!
To file a claim with Hastings Mutual, you have three options: contact your agent, submit a claim online, or contact the company by phone.
Select your claim type. If you’re filing online, choose between auto (for vehicle damage) or windshield/auto glass (for glass damage only).
Provide detailed information. Describe what happened. Be sure to include dates, times, locations, and any relevant documentation. Providing photos, witness contact information, and a police report number can mean fewer follow-up calls with your adjuster that extend the claims process.
Confirm it went through. If you file online and don’t get a confirmation, contact Hastings by phone or email to verify that the company received your claim.
For more information on Hastings, see the answers to frequently asked questions below.
Yes. Hastings Mutual is a legitimate insurance company with a history dating back to 1885. It’s also accredited with the Better Business Bureau.
Yes. Hastings Mutual Insurance Company has an A (Excellent) financial strength rating from AM Best. This means it’s unlikely to default on its financial obligations.
Hastings Mutual is a regional property casualty insurance company serving the Midwestern states of Illinois, Indiana, Michigan, Ohio, and Wisconsin. Coverage options and availability may vary because these states may have different auto insurance laws, including different minimum limits and the use of credit-based insurance scores.
Hastings offers auto insurance and homeowners insurance. You can also get farm insurance to protect your property, equipment, and livestock. Business insurance is another option, including commercial auto, workers’ compensation, and industry-specific insurance packages.
Hastings is held by Amicrest Mutual Holding Company, a U.S.-based company. The company restructured in 2024 and officially changed its name from Hastings Mutual to Hastings Insurance Company.
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Amy has been a contributor at Insurify since September 2023.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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