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.

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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 exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 20, 2020

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Company Details
Address: 800 South Washington Street
City: Van Wert
State: Ohio
ZIP Code: 45891
Phone Number: (419) 238-1010
Year Founded: 1876
AM Best Rating: A+
Company Rating 0 (0 reviews)

Things to Remember...

  • Central Mutual Auto Insurance currently maintains an “A+” rating by A.M. Best
  • Central Mutual Insurance offers basic auto insurance coverage which includes liability, medical, and uninsured motorists.
  • Central Mutual offers premium automobile coverage which replaces your car or provides the funds if it’s totaled after less than a year.

The Central Insurance Companies researched for this Central Mutual auto insurance review are made up of Central Mutual Insurance Company, All American Insurance Company, and CMI Lloyds.

Their insurance history began in 1876 as the Van Wert County Mutual Fire Insurance Company. Managing their assets well, the company continued to grow and was one of the few companies that did not suffer during The Great Depression.

Central Mutual Auto Insurance currently maintains an “A+” rating by A.M. Best. The company displays its annual report online showing their multi-billion dollar assets as well as the large loss they suffered in 2010. The president vows to go back to the basics of writing insurance.

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What kinds of policies does Central Mutual Auto Insurance offer?

Central Mutual Insurance offers basic auto insurance coverage which includes liability, medical, and uninsured motorists. Additional endorsements can be written on your policy.

For example, their “Auto Plus Endorsement” includes a towing and repair package on the policy.

In addition to the towing and repair coverage, under this endorsement collision deductibles can be waived in a hit and run situation. Another positive to having this endorsement is extra medical coverage. The Auto Plus Endorsement is not available in all states.

In addition to The Auto Plus Endorsement, Central Mutual also offers their Summit policy which is considered to be their premium automobile coverage.

Under this coverage, should you find your car totaled after owning it for less than a year, the insurance company will replace it or provide the funds to make it as good as new.

The Summit policy also provides complete windshield replacement with no deductible required.

Another benefit of the Summit policy includes paying the cost of repairs on a rental car as well as the fees due to the rental car company to cover their loss while the rental car is out of commission. Clearly, the Summit policy provides the most coverage.

In addition to the coverage listed above, the policy also protects the insurer against

  • parked auto collision
  • gap coverage
  • lockout coverage
  • transportation expenses
  • additional medical coverage
  • fire, police, and rescue squad coverage
  • electronic equipment coverage
  • personal effects coverage
  • towing and labor coverage
  • air bag replacement
  • automobile death benefit

It is important to note that this coverage is not available in all states.

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Central Mutual Commercial Auto Insurance

Central Mutual Automobile Insurance also offers commercial automobile insurance. Two types of standard policies are available which cover damage to the vehicle and liability which covers bodily injury to others and their property. Additional coverage can be purchased depending on the insurer’s needs.

A unique benefit of having Central Mutual Commercial Automobile Insurance is the option to purchase a Garage Policy if you are an automobile dealer. This special policy covers customer’s cars while they are in your care.

Central Mutual Auto Insurance Agents

You can find a Central Mutual Insurance agent by inputting basic information into the website’s “How to Find a Central Agent”. The site asks for city, state, county and zip code. The site will provide a local independent insurance agent closest to you.

The agent represents two or more auto insurance companies.

Currently Central Mutual insurers through 475 agencies in the following states: Arizona, Ohio, Massachusetts, Georgia, Colorado, Connecticut, Illinois, Indiana, Michigan, New Hampshire, New Mexico, New York, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and Virginia.

The agents will provide quotes based on your insurance needs and the state you reside.

Benefits of Central Mutual Auto Insurance

Should you qualify, Central Mutual offers certain benefits to its policyholders. To show their appreciation, Central Mutual provides a discount to policyholders that have remained with the company for two consecutive years.

The credit increases each year by an additional percent until you reach a 10 percent discount.

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Careers at Central Mutual Auto Insurance

Central Mutual prides itself in the care of its employees. In fact, many of its employees have been with the company for over 10 years. The website provides different links to learn about company structure, employee development, and their culture.

The site even provides employee testimonies to see how they really feel about working for Central Mutual.

Central Mutual Auto Insurance Contact and Location Information

The home office of Central Mutual is located in Van Wert, Ohio. They maintain regional offices in Atlanta, Boston, Dallas and Van Wert.

Claims with Central Mutual Auto Insurance

Claims with Central Mutual can be phoned in or reported online. In order to report the claim online, you must currently have a myCentral account which is the online system. Through myCentral not only can you report claims but also make payments and view your policy.

Helpful Hints with Central Mutual Auto Insurance

Central Mutual provides a tips and tools section which provides helpful hints to its policyholders. The section provides information on teen driving safety, school bus safety, and what to do if you are in an accident.

Central Mutual Auto Insurance Reviews

Central Mutual has received many awards for their practices. These awards include Best Practices Awards, #1 in the annual Ease of Doing Business Survey for four years in a row, and #1 in an insurance satisfaction survey in Ohio and Indiana for two years in a row.

Although the company suffered a large loss in 2010, their rating was not downgraded. They are still considered to be a stable company that continues to strive for integrity and excellence as well as nurture its existing and new relationships.

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