Citizens Auto Insurance Review (2024)
Citizens insurance for car owners isn't sold directly, but customers can buy it through its parent company, The Hanover, for around $157/mo. Drivers also enjoy add-ons such as Citizens roadside assistance. Our Citizens auto insurance review overviews the company's customer service, rates, and coverage options.
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Aug 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Citizens Auto Insurance
Average Monthly Rate For Good Drivers
$157A.M. Best Rating:
AComplaint Level:
LowPros
- Citizens does offer personal property insurance, commercial property insurance, and casualty insurance
- Citizens has a vast agency network throughout Michigan and the Midwest
Cons
- Citizens auto insurance is only available through The Hanover
Citizens Insurance sells auto coverage through its subsidiary, The Hanover, with rates averaging $157 monthly for full coverage insurance. It offers all the types of auto insurance available with most providers, such as liability, collision, comprehensive, and uninsured motorist coverage. Add-ons, such as Citizens Insurance roadside assistance, are also available.
Citizens Insurance, based in Howell, MI, is a popular choice. You can also buy Citizens home insurance in Michigan and other areas. The Citizens Insurance Michigan phone number is 1-800-922-8427 for Michigan drivers with policy questions.
Read More: Michigan Auto Insurance
Read our Citizens auto insurance review to discover if the company is right for you.
Are you wondering, “How can I get Citizens Insurance near me?” Enter your ZIP code into our free tool above to compare quotes for Citizen Insurance in Michigan and other states.
What You Should Know About The Hanover Insurance Group
Citizens Insurance — short for Citizens Insurance Company of America — was founded in 1915. It’s a subsidiary of The Hanover Insurance Group. Hanover is one of the top 25 providers of property and casualty insurance in the United States. The company was founded in 1852 and its current CEO is John Roche.
Read More: Hanover Car Insurance Review
Citizens is based in Howell, Michigan, making Citizens Midwest insurance popular throughout the region. It’s possible, therefore, that customers closer to the coast may have never heard of Citizens Insurance in MI. Grand Rapids, MI, for example, is a popular location for Citizens auto insurance in Michigan.
For Michigan drivers with policy questions, the Citizens Insurance phone number for Michigan is 1-800-922-8427, which is also the Citizens auto insurance phone number for drivers from other states. Also, the Citizens Insurance claims phone number is 1-800-628-6977.
Unlike Citizens, The Hanover does provide auto insurance. This can lead to some confusion, so let’s provide clarification: if you’ve purchased auto insurance through this company, you’ve purchased it with The Hanover auto insurance, not Citizens.Daniel Walker Licensed Auto Insurance Agent
Citizens’ parent company, the Hanover Insurance Group, is based in Worcester, Massachusetts. Hanover home insurance is available throughout the United States.
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Comparing Citizens Auto Insurance Rates
To get auto insurance coverage with Citizens, you’ll need to buy it from The Hanover, its parent company. Check out the table below to compare The Hanover’s rates vs. top competitors:
The Hanover vs. Competitors: Full Coverage Auto Insurance Average Rates
Insurance Company | Monthly Rates |
---|---|
Allstate | $160 |
Farmers | $139 |
Geico | $80 |
Hanover | $157 |
Liberty Mutual | $174 |
Nationwide | $115 |
Progressive | $105 |
State Farm | $86 |
Travelers | $99 |
Unfortunately, for drivers looking for a new policy, there is no such thing as Citizens auto insurance. Citizens is not an auto insurance company, which means there is no Citizens auto insurance rental car coverage, no Citizens insurance roadside assistance, and no Citizens auto insurance rebates.
Many of you may want to know: What is auto insurance for, anyway?
Auto insurance protects you from financial loss in the event of a car accident, theft, or other incidents that cause damage to your vehicle. This can be useful for paying for car repairs, medical bills, and legal fees. Auto insurance is mandated by most states in the U.S. Here are a few helpful statistics:
U.S. Auto Insurance Statistics
Key Info | Details |
---|---|
2017 Average Auto Insurance Expenditure | $1,004.58 |
Private Passenger Cars Insured in 2015 | 202,681,302 |
2017 Most Expensive State for Auto Insurance | Louisiana |
2017 Least Expensive State for Auto Insurance | North Dakota |
Even though there’s no Citizens car insurance, you can buy Citizens property insurance for your personal and commercial properties. Citizens also sells casualty insurance.
Often, customers are interested in bundling and want to know what an auto insurance specialist says about bundling rates. Though some insurance companies offer car insurance bundles, no Citizens auto and home insurance policies exist.
For policy questions, the phone number for Citizens Insurance is 1-800-922-8427. To file a claim, the Citizens auto claims phone number is 1-800-628-6977.
Citizens Auto Insurance Customer Service and Ratings
Is Citizen insurance good? Citizens insurance reviews are relatively good. The company carries an A+ rating from the Better Business Bureau, and has an average of 3.44 out of 5 stars on the BBB website, with 118 customer reviews. So, policyholders of Citizens Insurance in Michigan and other states seem to be satisfied with their coverage.
Also, there are relatively few complaints for Citizen auto insurance in Michigan and other regions, as it carries a lower-than-average complaint index from the National Association of Insurance Commissioners.
In addition, the company carries an A rating from A.M. Best, indicating it has good financial stability.
So, since Citizens auto insurance reviews are mostly positive, you can expect the company to handle your claims well. Since The Hanover is its parent company, you should also check out The Hanover Insurance reviews.
How to Find a Citizens Insurance Agent Near Me
Citizens operates through a select group of independent insurance agents and brokers. The Citizens auto phone number is 1-800-922-8427, which also serves as the Citizens Insurance phone number for Michigan drivers.
If you’re asking, “How can I find Citizens insurance agents near me,” look no further. You can easily find an insurance agent using the agent locator tool on The Hanover’s website.
Citizens’ agents can help you by answering questions like:
- How is Citizens Insurance impacted by COVID-19 (the coronavirus)?
- How can I amend my Citizens policy?
- Is anyone who drives my car impacted by Hanover auto insurance?
- How much would add another car to my Hanover car insurance policy cost?
- How can I get a Citizens insurance refund?
These questions are great starting points if you want to customize your Citizens or Hanover policy. Agents can also help you make Citizens insurance payments. Again, the Citizens Insurance phone number for agents is 1-800-922-8427.
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How to File Citizens Auto Insurance Claims
The best way to file Citizens insurance claims is through the Hanover website. This will require your Citizens website login information.
Hanover policyholders can fill out online web forms to file a property insurance claim or auto insurance claim. Policyholders can also use Hanover’s website to get information about repairing auto glass damage and to find contractors or repair shops nearby. If you have internet access, this is much easier than filing a claim through the mail at Citizens Insurance’s claims address.
You can also call the Hanover Claim Service Hotline to file a Citizens insurance claim. The Citizens auto claims phone number is 1-800-628-6977.
The Hanover offers a different claim service for its Hanover Platinum Experience members.
The Hanover Platinum Experience includes the Platinum Auto Essential program. The Hanover’s Platinum Auto Essential is a basic car insurance policy that offers features like vehicle key replacement coverage and mechanical parts replacement. If you’re looking to file a The Hanover Platinum Auto Essential claim, call 1-800-799-6977.
Getting a Citizen Car Insurance Quote
Lastly, let’s take a look at how you can obtain a Citizens insurance quote. If you’re interested in Hanover’s auto insurance policies, you can also use this process to get a Hanover auto insurance quote.
The only way to get a quote from Citizens is to contact a Hanover insurance agent. Hanover offers an agent locator function on its website.
For more details, the Citizens Insurance Company of the Midwest phone number is 1-800-922-8427, which is also the Citizens car insurance phone number for all drivers.
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— AutoInsurance.org (@AutoInsurance) January 18, 2024
If you’re ready to compare quotes for the Citizens Insurance Company in Michigan or other Midwest states, enter your ZIP code into our free comparison tool below.
Frequently Asked Questions
What is Citizens auto insurance?
Citizens auto insurance is an insurance company that provides coverage for personal vehicles through The Hanover. They offer various policies and options to meet the specific needs of their policyholders.
Citizens car insurance in Michigan is very popular, as it’s headquarters is in Howell, MI. The company also has a large presence across the Midwest.
What types of coverage does Citizens auto insurance offer?
Citizens auto insurance offers a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and medical payments coverage.
For questions about coverage options, call the Citizens Insurance Company phone number at 1-800-922-8427. On the other hand, the Citizens auto insurance claims phone number is 1-800-628-6977.
How can I contact Citizens auto insurance?
You can contact Citizens auto insurance by visiting their website and using their online contact form or by calling their customer service hotline. The contact information can usually be found on their official website or in your policy documents.
Call the Citizen Insurance phone number at 1-800-922-8427 to learn more about the company. The Citizens Insurance auto claims phone number is 1-800-628-6977.
Can I get a quote for auto insurance from Citizens?
Yes, Citizens auto insurance provides an online quote tool that allows you to receive a personalized quote based on your specific needs and circumstances. You can access this tool on their official website.
How do I file an auto insurance claim with Citizens?
To file an auto insurance claim with Citizens, you should contact their claims department as soon as possible after the incident. They will guide you through the process and provide the necessary forms and information to initiate your claim.
The Citizens claims phone number is 1-800-628-6977.
Does Citizens auto insurance offer discounts?
Yes, Citizens offers various auto insurance discounts to help policyholders save on their premiums. These discounts may include safe driver discounts, multi-policy discounts, good student discounts, and more. Contact Citizens or refer to their website for specific details on available discounts.
Learn More: The Hanover Auto Insurance Discounts
Can I manage my Citizens policy online?
Yes, Citizens auto insurance typically offers an online portal or mobile app that allows policyholders to manage their policies conveniently. This may include tasks such as making payments, updating personal information, viewing policy documents, and accessing digital ID cards.
Read More: How to Manage Your Auto Insurance Policy
How do I make a payment for my Citizens auto insurance policy?
Citizens auto insurance provides different payment options, including online payment through their website, automatic recurring payments, payment by phone, or mailing a check or money order. Details regarding payment methods can be found on their website or by contacting their customer service.
What factors can affect my auto insurance premium?
Several factors can influence your auto insurance premium, including your driving record, the type of vehicle you drive, your location, your age, your credit history, the coverage limits and deductibles you choose, and any applicable discounts you qualify for.
Read More: Factors That Affect Auto Insurance Rates
What is The Hanover roadside assistance phone number?
If you need The Hanover Insurance roadside assistance, call 1-800-628-0250.
Read More: Best Auto Insurance Companies for Roadside Assistance
How are Citizens Insurance reviews in Michigan?
Generally, Citizens Insurance Michigan reviews are good, with most customers giving the company a positive rating.
However, you should evaluate Citizens/Hanover Insurance reviews to see if the company is right for you. For example, Howell, MI, residents should check out Citizens Insurance (The Hanover Insurance Group) Howell reviews in their area.
You should also get a Citizens Insurance of Michigan quote to see if you can get cheap coverage.
What are the pros and cons of Citizens Insurance?
Some of the pros of getting a policy with Citizens Insurance is that the company has great financial and customer reviews. You can also enjoy great in-person customer service, since the company has many agents.
However, a major con of Citizens Insurance is that you can’t get auto insurance directly from the company. Instead, you must get it from The Hanover, its parent company.
Is Citizens a good insurance company?
Yes, Citizens is a reputable insurance company. It carries mostly positive reviews from customers and is backed by The Hanover.
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
mtcory
Slow and poor service.
Lpetrey
Lazy and poorly run
Adik
Bad customer Seevce
Charlton_insurance
Auto and home Insurance purchase
David_1688
Great company, great services.
Chuck_Truza_
Fast, Professional Service
ccstangle
Happy with auto insurance policy
Oldgoldwinger
When all prices were in, I went with Hanover Ins. Group .
JacksonDad
Great Customer Service
14for14
Trustworthy