Response Auto Insurance Review (2022)

Response insurance sells only auto insurance. They offer liability, collision, and comprehensive coverage, which meets state minimum requirements in all 50 states.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 29, 2022

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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.

Things to Remember...

  • Response Insurance operates in all 50 states
  • Response Insurance sells only auto insurance
  • The best discount offered by Response Insurance is the good driver discount

Response Insurance is an insurance broker that operates in all 50 states. As a broker, they sell insurance directly but instead they also contract insurance out to underwriters and subsidiaries.

They themselves are a subsidiary of Unitrin Inc. Insurance Company. All data collected and reported about Response is based Unitrin and their growth as a company.

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What kinds of insurance does Response Auto Insurance offer?

Response Insurance sells only auto insurance coverage. Focusing on one product allows the company to stay very focused on the best possible companies and auto insurance policies.

Clients appreciate having a company that thoroughly understands the product they are selling.

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The companies that Response sells auto insurance through have been licensed in several states.

They include the following:

  • National Merit Insurance Company
  • Response Indemnity Company
  • Response Indemnity Company of California
  • Response Insurance Company
  • Response Worldwide Direct Auto Insurance Company
  • Response Worldwide Insurance Company
  • Warner Insurance Company

Creating several companies and contracting with subsidiaries allows Response Insurance to meet the licensing requirements of varying states and provide the very best auto insurance products to their clients.

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Each state has different regulations so when a company is licensed in one state, they may not be able to automatically be licensed in another state with restructuring.


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Response Auto Insurance Discounts

Response Insurance has used its experience writing auto policies and dealing with individuals and families to provide the best auto insurance discounts available.

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The best discount offered by Response Insurance is the good driver discount. It makes sense that if you are a responsible driver you should be rewarded and Response wants to do just that.

Response tries to keep rates low by providing insurance to thousands of good drivers and offering them a discount. They do insure some drivers with a negative driving history, but they are in the minority.

The good driver discount is meant to be an extra motivation to clients to keep following traffic laws and driving defensively.

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Another discount provided by Response Insurance is a good student discount. This is for high school students who maintain a B or higher average.

Each quarter, parents can fax their child’s report card to Response Insurance and if the average meets the requirements, the good student discount will be applied.

Other discounts that are offered also required some participation on the part of the policyholder. If you take a defensive driving course voluntarily, a discount will be applied to your policy.

More: NerdWallet Auto Insurance Review (2022 Guide)

This course can be taken through a local sheriff’s department, a community center, or through a driving company. Even if a cost is involved, it is worth the discount.

Having an anti-theft device on your vehicle will provide a discount as well. Many vehicles come with these types of devices already installed.

Response Auto Insurance Claims

The claim center at Response Insurance allows policyholders to file online or to call customer service to be led through the process. You should file your claim the way that is more comfortable for you.

Both of these claim filing options are available 24 hours a day 7 days a week, 365 days a year.

Response Insurance also provides an accident checklist that policyholders can print out beforehand and keep in their car.

The accident checklist can let you know what you need to record and be aware of, so you can gather as much information as necessary as soon as possible.

The sooner you file your claim, the sooner you can have your vehicle repaired or replaced.

If you are looking for personal auto insurance, enter your ZIP code below to receive auto insurance quotes from several top companies!

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