Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

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 Reviews.com and Safeco. He reviews content, ensuring that exis...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 17, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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.

Company Details
Address: 471 East Broad Street, Suite 200
City: Columbus
State: OH
ZIP Code: 43215
Phone Number: 614-225-8211
Website: http://www.motoristmutual.com
Year Founded: 1899
AM Best Rating:
Company Rating 0 (0 reviews)

Things to remember...

  • American Hardware Mutual Insurance Company focuses on property and casualty business lines including auto, liability and worker’s compensation underwriting
  • The firm operates in about 35 states, including the Northeast, West, and Midwest regions of the United States
  • American Hardware Mutual offers insurance products to hardware stores, car dealers, boat dealers, repair and collision shops, and niche businesses

This review looks at Minnetonka, Minnesota-based American Hardware Mutual Insurance Company. Focused on commercial property & casualty business lines, including auto, specialty, liability, and workers’ comp underwriting, American Hardware Mutual Insurance serves the needs of small to medium-sized companies.

Paying for auto insurance isn’t a luxury; it’s a necessity for drivers to purchase auto insurance in every state except one.

The firm operates in about 35 states, including the Northeast, West, and Midwest regions of the United States. In 1993, American Hardware Mutual was acquired by The Motorists Insurance Group.

American Hardware Auto Insurance Agents

American Hardware Mutual employs about 450 people. The company’s employed sales representatives sell almost all of the company’s policies. American Hardware Mutual, like its name implies, insures hardware stores, car dealers, boat dealers, repair and collision shops, and niche businesses.

American Hardware Mutual offers insurance products to hardware stores, car dealers, boat dealers, repair and collision shops, and niche businesses.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

American Hardware Auto Insurance Contact Information

American Hardware Mutual offers 24-hour, 7 days per week customer service. Contact the:

  • Customer Service Center at 1-800-922-6757.
  • Dedicated claims filing number is 1-800-876-8766
  • Mail address: American Hardware Mutual Insurance Company headquarters at 5605 Green Circle Drive, Minnetonka, Minnesota 55343
  • Corporate headquarters toll-free at 1-800-544-8400

The company maintains regional offices in South Windsor, Connecticut; Albany, New York; Vernon Hills, Illinois; Derry, New Hampshire; Turlock, California; Exton, Pennsylvania; Big Flats, New York; Pittsburgh, Pennsylvania.

In addition, you can find satellite locations throughout the United States, so a quick look at the company’s website should guide you in the right direction.

American Hardware Auto Insurance Competitive Market

American Hardware Mutual competes with the following companies:

    • ACE Limited

American Financial Group

  • Liberty Mutual
  • CNA Financial
  •  Nationwide
  • Travelers Companies
  • Western National Mutual
  • The Hartford/Hartford Financial Services Companies

 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

American Hardware Auto Insurance Financials

American Hardware Mutual Insurance was founded in 1899. The company is owned by Motorists Insurance Group. The firm generated 2010 sales of $123.61 million and earned a net income of about $1.54 million for the fiscal year ended December.

When comparing insurance companies, it’s a good idea to research their financial strength.  IA.M Best provides consumers with update-to-date financials on most insurance companies.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Motorists Insurance Group

American Hardware Mutual’s parent company, Motorists Insurance Group, is headquartered in Columbus, Ohio. The company underwrites and sells business, home, and auto insurance policies. The company’s major customer base resides in Ohio.

Motorists Insurance maintains affiliate relationships with Iowa Mutual Insurance, which is focused on Nebraska. They also affiliated with Illinois markets, and Wilson Mutual is focused on Minnesota and Wisconsin customers.

In 2009, Motorists Insurance and Phenix Mutual Fire Insurance created an affiliate arrangement to enable Motorists Insurance Group to access property & casualty customers in South Carolina and New England.

Unlike American Hardware Mutual’s proprietary sales and distribution agent network, Motorists Insurance Group uses a national network of independent brokers and agents.

The company sells standard auto insurance policies. MICO Insurance Company, a wholly-owned subsidiary, underwrites and markets nonstandard auto insurance policies. Although the company’s focus is property & casualty insurance, it sells life insurance via the Motorists Life Insurance unit.

Founded in 1928, Motorists Insurance Group is a privately-held mutual insurance company. The company employs about 772 people according to Dun & Bradstreet.

The company maintains offices in Columbus, Ohio; Dayton, Ohio; Olmsted, Ohio; Uniontown, Ohio; Indianapolis, Indiana; Cincinnati, Ohio; Columbus, Ohio; and Monroeville, Pennsylvania.

The company competes directly with auto insurance companies like:

  • Allstate
  • American Family Insurance
  • Cincinnati Financial
  • State Farm.

The firm competes with Allied Group, Erie Indemnity, Erie Insurance Exchange, Geico, Grange Mutual.

Contact Motorists Insurance Group’s corporate office by mail at 471 East Broad Street, Suite 200, Columbus, Ohio 43215, or telephone the company headquarters at 614-225-8211 and 1-800-876-2658.

Compare Auto Insurance Rates

Comparison shopping the auto insurance rates you receive saves you money! Compare your American Hardware Mutual auto insurance rates with those from other competitive auto insurance companies.

Information about competitive auto insurance quotes can save you money on auto insurance. Just enter your home ZIP code below to start the process!

References: