EMC - Car Insurance

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Last Updated: January 2022



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The largest discounts from EMC are: Loyalty, Multiple Policy, Multiple Vehicle

Carrier Discounts
Discount %
Discount Group
Discount TypeDiscount %
Multiple PolicyVaries
Multiple VehicleVaries
Preferred paymentVaries
Accident FreeVaries
Defensive DriverVaries
Good StudentVaries
Anti-Theft DeviceVaries
Passive RestraintVaries
Anti-lock BrakeVaries
Senior AdultVaries
Preferred paymentVaries
Claims Free RenewalVaries

Payment methods

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    Automatic Online Payment
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    Bank Payment/Direct Deposit
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    Credit Card Payment
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    Debit Card Payments
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    Electronic Check
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    Mail Payment
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    Online Payment
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    Person 2 Person Payment
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    Phone Payment

Features and Services

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    Roadside assistance
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    Flexible / convenient payments
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    Online account management

Optional Coverage

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    Roadside Assistance
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    Rental Reimbursement
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    Pet Coverage
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    Emergency Lockout Coverage
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    Emergency Assistance Coverage

EMC Insurance by State

Life Insurance

EMC Insurance Products

Business Insurance
Life Insurance

FAQs - EMC Car Insurance

How does Insurify work?

Insurify lets you freely compare accurate car insurance quotes and discounts from top national and regional insurance companies in a matter of minutes. You can choose between coverage levels and adjust deductibles to ensure you're not just getting the cheapest policy, but the most appropriate one, too. Users save an average of $489 a year when they buy a new insurance policy through Insurify.

How does Insurify find me the cheapest car insurance quotes?

Think of Insurify as your personalized, online insurance agent. Insurify's platform uses the latest in AI to match you with real, accurate, and bindable car insurance quotes based on your driver history and budget. Insurify is not an insurance company and will not share the information you share on the site with any third party.

How is Insurify different from other insurance quote comparison sites?

Insurify is the top-rated and most-rated insurance comparison website in America. Unlike comparison sites that just take your information and sell it to the highest bidder, Insurify is built on trust and empowerment. No matter your license record, budget, or regional background, Insurify is committed to securing the cheapest and best deals that work for you.

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Company History

Headquartered in Des Moines, Iowa, EMC Insurance Companies was founded in 1911. EMC (which stands for Employers Mutual Casualty Company) is ranked among the top 60 largest insurance organizations in the United States, employing over 2,500 people in 20 locations across the country. It is one of the largest property and casualty organizations in the state of Iowa by net written premium. EMC specializes in property and casualty insurance products like business insurance (including commercial auto insurance, reinsurance contracts, and workers' compensation protection), as well as life insurance.

EMC is the parent company of EMC Insurance Group Inc., its insurance holding company subsidiary; EMC Property & Casualty Company; EMC Risk Services, LLC; Union Insurance Company of Providence; and EMC National Life Company.

EMC employs a network of independent insurance agents across the nation.

EMC no longer offers new personal lines policies in most states. Beginning in 2019, personal lines of insurance under EMC have transitioned to Safeco. Personal lines policyholders should not see any change in their insurance.

For more information, visit www.emcins.com.

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EMC Car Insurance Information

Insurify Composite Score0
Number of discounts13
Number of reviews1
User Rating5


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.