6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Konstantin HalachevVP of Engineering & Data Science
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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Hastings Mutual Insurance Company’s headquarters is located in downtown Hastings, Michigan. It launched in 1885 as the Michigan Mutual Tornado, Cyclone, and Windstorm company, and was once the second-largest mutual windstorm insurance company in the world. Hastings sells a variety of personal insurance products via independent insurance agencies across six states.[1]
For more than 50 years, the company has had an AM Best rating of A or higher, setting it apart from competitors. But its limited listed discounts and availability means it’s not a perfect fit for all drivers. Comparing quotes from multiple insurance companies is the best way to find the coverage you need at a price you can afford.
Quick Facts
Hastings has a fewer-than-average number of customer complaints in the National Association of Insurance Commissioners’ Consumer Complaint Index.[2]
Pet injury coverage is a unique optional insurance product Hastings offers.
Hastings works with 600 independent agencies across six states.[3]
How Hastings Mutual stacks up
Hastings Mutual is an award-winning insurance company that sells car insurance in Illinois, Indiana, Iowa, Michigan, Ohio, and Wisconsin. It holds an A rating from AM Best for financial strength. One area where it can improve is its limited discounts compared to others in the industry.
User Reviews
4.3
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
4.3
Best choiceBased on 9 verified guest reviews and ratings
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
Hastings sells a variety of personal insurance products via independent insurance agencies across Indiana, Iowa, Michigan, Ohio, and Wisconsin.[1]
The company has an AM Best rating of A and a lower rate of complaints than the industry average, setting it apart from competitors.
These insurance rates are lower than the national averages for 2023. The U.S. monthly average for a full-coverage policy is $196, while the liability-only policy monthly average is $105, according to Insurify data.
Hastings Mutual insurance reviews and ratings
Asking your local community for their thoughts on insurers is helpful, but it’s also a good idea to seek out a larger list of reviews and ratings. Looking to reputable sources like AM Best and J.D. Power can give you a sense of how most customers across a company’s coverage area feel about aspects of customer service, premium prices, and claims processing.
Hastings Mutual has impressive ratings according to major third-party review sites and ratings groups; for instance, an A+ rating with the Better Business Bureau and a lower-than-average number of complaints on the NAIC index.
Hastings Mutual customer reviews
Hastings Mutual has a lot of mixed reviews that mostly skew negative. Common complaints include inability to get ahold of an agent, long claim payout times, and lack of communication.
Conversely, the positive reviews cite that Hastings Mutual is reliable and their agents are kind and easy to work with.
Hastings Mutual ratings
Independent industry ratings are important because they allow you to see an unbiased comparison of insurance products and companies. J.D. Power, for example, ranks companies based on customer service scores, while AM Best highlights how well an insurance company is positioned to pay out claims to policyholders.
Hastings Mutual has ratings available from AM Best and the NAIC Complaint Index; scores from Moody’s, J.D. Power, and Standard & Poor’s aren’t available.
AM Best: A
J.D. Power: N/A
Standard & Poor’s: N/A
Moody’s: N/A
NAIC Complaint Index: 0.54 (lower than the industry average)
Hastings Mutual car insurance coverage options
Hastings Mutual, like all car insurance companies, must offer the minimum insurance coverage as required by the states where it operates. This is referred to as liability-only insurance and typically includes bodily injury insurance and property damage insurance.
Hastings does offer other optional coverages, like adding an extra driver in your household onto your policy, as well as:
Limited TNC coverage
The company offers limited rideshare driver coverage up until you accept a passenger.
Multi-protection guard
This option includes travel interruption protection, which covers meal and lodging expenses during a breakdown, loss of use for commercial rented vehicles, pet injury/death benefit from a crash, key-replacement services, and child restraint system coverage.
Emergency roadside assistance
This includes emergency fluid delivery, tire changes, towing, and minor mechanical first aid.
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Hastings Mutual car insurance cost by state
Hastings Mutual car insurance offers liability-only coverage in every state it serves, but the exact coverage level may vary. States set their own minimum insurance coverage laws. For instance, Michigan requires 20/40/10 insurance, while Ohio mandates 25/50/25, which means its minimum amounts for bodily injury and property damage are higher than Michigan’s.
You’ll see in this table that average monthly rates for full-coverage and liability-only coverage vary based on state, partially due to the amount of coverage the policy includes.
State
Average Quote: Full Coverage
Average Quote: Liability Only
Indiana
$62
$34
Iowa
$56
$30
Michigan
$112
$80
Ohio
$69
$41
Wisconsin
$61
$34
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Hastings Mutual auto insurance rates by driving history
How you drive can affect how much you pay for car insurance, and your driving history can influence your premium rates for years. An at-fault car accident or speeding ticket can lead to higher rates long after the mistake was made, while a DUI arrest could result in your policy being canceled and limit your coverage options to only high-priced policies from insurance companies specializing in high-risk drivers.
This table shows how Hastings Mutual Insurance customers pay significantly less for car insurance each month when they have clean records, no matter the amount of coverage.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Hastings Mutual car insurance cost by age
If you’ve noticed that you pay far less for your car insurance than your teenager or if your parents have a better rate than you, your age may be the reason. All car insurance companies use age as a rating factor for premium pricing. Teens and young adults younger than 25 tend to see the highest rates due to their increased likelihood of getting into an accident.
Most drivers pay the lowest rates in their mid-30s; these rates may also drop as the driver nears 70, though it’s common for drivers in their 70s or older to see rate increases depending on their driving habits and age-related industry data.
You can see in the following table that the average monthly quotes are highest for younger drivers and tend to decrease as a driver enters retirement age.
Age Group
Average Monthly Quote
Teens
$162
20s
$113
30s
$85
40s
$77
50s
$68
60s
$64
70s
$68
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Hastings Mutual car insurance discounts
Most auto insurance companies offer discounts that nearly all policyholders can benefit from, such as multi-policy or multi-car discounts. The savings potential will range based on the company’s eligibility requirements and offers.
For instance, Hastings lists five discounts on its website, including a multi-policy discount for people who also purchase home or umbrella insurance policies, but it doesn’t explain how much policyholders can save.
Hastings Mutual Insurance vs. other insurance companies
There’s no shortage of auto insurance companies in the Midwest. National brands like State Farm and GEICO, as well as regional companies like Hastings Mutual Insurance, offer a range of car insurance coverages, discounts, and incentives for policyholders.
This highly saturated industry is a benefit for drivers: Multiple options mean you can easily compare rates and coverage limits to find the best policy for your needs.
Here’s a look at how Hastings Mutual compares to other insurers serving the same area, AssuranceAmerica and Columbia Insurance Group, including why a driver might choose one company over the other.
Insurance Company
Liability Only
Full Coverage
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Hastings Mutual vs. AssuranceAmerica
AssuranceAmerica is a relatively new company in the insurance industry, especially compared to Hastings Mutual. Founded in 1998 and headquartered in Atlanta, Georgia, AssuranceAmerica serves 10 states, though only Indiana is served by both Hastings and AssuranceAmerica.[4] AssuranceAmerica donates 5% of its earnings to charitable organizations.
One big difference between Hastings Mutual and AssuranceAmerica is that Hastings offers other insurance products besides auto coverage, which opens up the potential for bundling discounts. AssuranceAmerica doesn’t list discounts on its website, while Hastings does.
It’s a good idea to seek out quotes over the phone so you can ask both insurance companies which discounts and coverages are available that aren’t listed on their respective websites.
AssuranceAmerica is a non-standard auto insurance company, which means it may be a better option for high-risk drivers. Drivers who have a DUI on their record or a history of at-fault accidents and traffic violations should consider AssuranceAmerica over Hastings Mutual Insurance.
Hastings Mutual vs. Columbia Insurance Group
Columbia Insurance Group is based in Columbia, Missouri, operating out of offices in Georgia, Texas, Nebraska, and Kansas. Like Hastings, it began as a windstorm insurance company in the 1880s before adding other insurance protections, including personal auto coverage.
Columbia Insurance Group lists more discounts than Hastings Mutual Insurance, offering more ways for its policyholders to save. It also offers OEM coverage and rental car cost coverage, which Hastings Mutual doesn’t.
Columbia Insurance Group lists personal auto coverage on its website, though not as a featured insurance product. Offering insurance for a range of other business needs, including retail, restaurants, food service, and wholesalers, Columbia Insurance Group could be a good fit for business owners who need professional insurance and want to benefit from bundling with their personal auto policy.[5]
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How to file an auto insurance claim with Hastings Mutual
Hastings Mutual Insurance customers have multiple options for filing an auto insurance claim:
Call an independent insurance agent and report the claim.
Call the claims representative phone number 1 (800) 442-8277 to report the claim.
Complete a form on the Hastings Mutual Insurance website:
Identify the nature of the claim, specifically if it’s glass damage, towing, or another issue.
Enter your policy information, including your policy number, agency number, and date of loss.
Complete the remaining claims application details, receive application submission confirmation, and then wait for a customer service rep to reach out.
Hastings Mutual insurance FAQs
Here are some answers to questions about the history and legitimacy of Hastings Mutual Insurance you should read before calling for a free quote.
Is Hastings Mutual legitimate?
Hastings Mutual is a legitimate insurance company with a history dating back to 1885. It’s also an A+ accredited company with the Better Business Bureau.[6] Insurify could find no evidence of Hastings Mutual Insurance Company linked to fraudulent practices.
What is the average cost of Hastings Mutual car insurance?
The average cost of car insurance through Hastings is $71 per month. The average cost of car insurance in the United States is $196 for a full-coverage policy and $105 for a liability-only policy, according to Insurify’s 2023 data.
Is Hastings Mutual good at paying claims?
Hastings Mutual Insurance Company has an A rating from AM Best, which is considered excellent, meaning it’s unlikely to default on its financial obligations. Hastings’ AM Best rating was downgraded from A+ (Superior) in 2013, though it still should have no issues paying claims.
What states does Hastings Mutual write policies in?
Hastings Mutual is a regional property casualty insurance company serving the Midwestern states of Illinois, Indiana, Iowa, 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.
Methodology
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 50+ 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:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Nick has been a contributor at Insurify since October 2022.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Konstantin HalachevVP of Engineering & Data Science
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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