Citizens Auto Insurance Review for 2025 (See if They’re a Good Fit)
Citizens auto insurance review highlights affordable rates starting at $98 per month as part of The Hanover Insurance Group. With comprehensive coverage, unique options like roadside assistance, and multiple discounts, Citizens offers flexible policies for drivers seeking reliable protection at a competitive price.
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Table of Contents
Table of Contents
Insurance and Finance Writer
Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability. Maria has expanded her scope of expertise to home, health, and life...
Maria Hanson
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...
Brad Larson
Updated June 2025
This Citizens auto insurance review highlights how the company, as part of The Hanover Insurance Group, leverages its strong foundation to offer competitive rates, reliable coverage, and unique policy options tailored to meet the diverse needs of its clients.
Citizens Auto Insurance Rating
| Rating Criteria |  |
|---|---|
| Insurance Rating | 3.4 |
| Business Reviews | 3.0 |
| Claim Processing | 5.0 |
| Company Reputation | 3.5 |
| Coverage Availability | 5.0 |
| Coverage Value | 3.0 |
| Customer Satisfaction | 3.0 |
| Digital Experience | 3.5 |
| Discounts Available | 3.0 |
| Insurance Cost | 3.0 |
| Plan Personalization | 3.5 |
| Policy Options | 2.1 |
| Savings Potential | 3.6 |
Although Citizens auto insurance quotes are less expensive than many other companies, comparing cheap online auto insurance quotes is essential to ensure you get the best deal.
Citizens balance cost and comprehensive protection well for those looking for value and flexibility. See how Citizens compares against the competition across pricing, discounts, and claims service.
- Citizens Auto Insurance partners with The Hanover for reliable coverage
- It’s known for excellent customer support and a smooth claims process
- Citizens offers options for high-risk drivers and those needing flexible policies
Explore your auto insurance options by entering your ZIP code into our free comparison tool today.
Citizens Auto Insurance Coverage Cost
Citizens Auto Insurance, offered through its parent company, The Hanover, provides full coverage options at competitive rates. To learn more, read our The Hanover car insurance review.
Citizens Auto Insurance Monthly Rates by Coverage Level, Age, & Gender
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $340 | $485 |
| 16-Year-Old Male | $370 | $520 |
| 18-Year-Old Female | $285 | $430 |
| 18-Year-Old Male | $320 | $470 |
| 25-Year-Old Female | $170 | $255 |
| 25-Year-Old Male | $185 | $275 |
| 30-Year-Old Female | $140 | $220 |
| 30-Year-Old Male | $150 | $235 |
| 45-Year-Old Female | $125 | $200 |
| 45-Year-Old Male | $130 | $210 |
| 60-Year-Old Female | $115 | $180 |
| 60-Year-Old Male | $120 | $190 |
| 65-Year-Old Female | $110 | $175 |
| 65-Year-Old Male | $115 | $185 |
The actual cost of coverage can vary depending on factors like your location, driving history, and the coverage levels you select. Always compare quotes before you buy to get the best price.
Citizens Auto Insurance Average Cost vs. Competitors
Citizens’ rates are competitive but tend to be higher than those of other major insurance providers. For example, companies like Auto-Owners and State Farm typically offer lower average rates.
Citizens Auto Insurance Average Cost vs. Competitors
| Insurance Company | Minimunm Coverage | Full Coverage |
|---|---|---|
 | $64 | $138 |
 | $79 | $173 |
 | $40 | $82 |
| $98 | $215 |
 | $112 | $249 |
 | $56 | $119 |
 | $87 | $186 |
 | $89 | $148 |
 | $55 | $115 |
 | $92 | $197 |
Citizens tend to be more expensive, but as an auto insurance policyholder, you gain access to unique features like roadside assistance, which can add extra value to your coverage.
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Citizens Auto Insurance Coverage Options
Citizens Insurance offers a variety of coverage options to protect drivers and their vehicles, including the following standard options:
- Liability Coverage: Covers damages to others in accidents you cause.
- Collision Coverage: Pays for repairs to your vehicle after an accident.
- Comprehensive Coverage: Covers non-collision incidents like theft or natural disasters.
- Uninsured/Underinsured Motorist Coverage: Covers you if the other driver is at fault but has no insurance.
- Personal Injury Protection (PIP) and Medical Payments Coverage: Pays for medical expenses following an accident.
These options ensure you are covered in multiple scenarios, from standard liability coverage to more comprehensive protection in case you are hit by an uninsured driver.
Citizens offers auto insurance for different types of drivers, allowing them to select the perfect protection to satisfy their needs and provide peace of mind regardless of circumstances.
When evaluating auto insurance companies, consider the comprehensive coverage and unique add-ons, such as roadside assistance, which can offer more value for slightly higher premiums.Kristine Lee Licensed Insurance Agent
Although it is often slightly pricier than most companies, policyholders appreciate the comprehensive coverage offered with various available discounts.
Citizens Auto Insurance Discounts
Citizens Insurance Company provides discounts for its policyholders, which means the drivers save money on premiums. This would lead to a total cost reduction with comprehensive coverage. Citizens offer the following discounts for policyholders to save money, including:
- Multi-Policy Discount: Save when bundling auto and home insurance.
- Good Driver Discount: Lower rates for maintaining a clean driving record.
- Safety Feature Discount: Savings for vehicles equipped with anti-theft devices or airbags.
Citizens’ scope of discounts, combined with compliance with auto insurance laws, makes it relatively easy for policyholders to find a savings avenue under bundling, safe driving, or vehicle safety features, making protection over their vehicles affordable.
Citizens Auto Insurance Customer Reviews
Customer reviews for Citizens auto insurance through Hanover are generally positive. Policyholders appreciate the responsive claims process and customer service.
This post on Reddit discusses a positive experience with Citizens Insurance, highlighting how efficient they are, including with home insurance. The comment mentions that most people still get their claims processed, and almost all of the commenter’s clients have had good experiences with the claims process.
However, some complaints highlight occasional issues with premium increases and limited availability of certain types of auto insurance in specific states.
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Citizens Auto Insurance Business Reviews
Citizens Insurance is acknowledged for its financial performance and customer service, earning recognition from reputable industry organizations.
Citizens Business Insurance Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: B- Fair Financial Strength |
 | Score: A Good Business Practices |
 | Score: 78/100 Good Customer Feedback |
 | Score: 835 / 1,000 Above Avg. Satisfaction |
 | Score: 0.80 Fewer Complaints Than Avg. |
This shows stability and trust in the company, so auto insurance brokers often recommend Citizens for reliable auto insurance coverage.
Citizens Auto Insurance Pros and Cons
When deciding if Citizens is the right provider, consider your location, budget, insurance needs, and how to manage your auto insurance policy. Here are some reasons why drivers choose Citizens car insurance:
- Comprehensive Coverage Options: This policy includes standard coverages such as liability, collision, and thorough, along with add-ons like roadside assistance and rental car coverage for extra protection.
- Good Customer Service: Citizens are known for responsive claims and can receive help quickly.
- Financially Stable: Citizens are supported by strong ratings from A.M. Best and the Better Business Bureau (BBB), hence a dependable financial strength choice.
Citizens Insurance Company is known to provide numerous benefits, but it also has some downsides, including limited availability and fewer discounts than its competitors:
- Limited Regional Availability: Primarily serves the Midwest, with restricted coverage in other regions, limiting customer access outside those areas.
- Limitation of Discount: The discount offered may not be as widespread as that provided by competitors, reducing savings for some policyholders.
While Citizens Insurance is a strong, reliable choice with comprehensive coverage and solid financial backing, its higher costs and limited availability may deter some customers.
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Citizens Auto Insurance For Dependable Protection
Citizens through The Hanover has some excellent policy options. Our Citizens auto insurance review found that the company is reliable regarding service and claims payments. It’s an excellent option for dependable insurance, especially if you’re looking for a policy that offers comprehensive auto insurance.
However, Citizens car insurance is only available in 27 states. Enter your ZIP code into our free quote tool to find the best auto insurance providers in your area.
Frequently Asked Questions
What does Citizens Insurance cover?
Citizens Insurance offers a variety of coverage options for homeowners, renters, and vehicle owners. Citizens car insurance includes liability, collision, and comprehensive coverage, ensuring your safety on the road. For residents of Michigan, Citizens Insurance provides extensive options for personal and commercial needs.
Check out our auto insurance premium to learn more.
Is Citizens a good insurance company?
“Is Citizens Insurance good?” is a common question in Michigan. While Citizens Insurance reviews are generally low due to the volume of complaints, many customers appreciate the company’s reliable customer service and competitive rates. Users frequently highlight its comprehensive coverage options and quick claims process as key benefits.
How do I contact The Hanover customer service?
To contact The Hanover customer service, call the main support line at 800-628-0250 or visit its website for additional contact options.
What are the customer reviews of Citizens Insurance in Michigan?
Citizens Insurance reviews in Michigan show mixed feedback. Some customers have praised their quick response times and affordable premiums, while others have raised concerns about claim processing. Searching for Hanover Insurance reviews might also help if you seek more detailed insights.
Explore our oversees auto insurance companies to get more details.
How do I file a claim with Citizens Auto Insurance in Michigan?
Filing a claim with Citizens car insurance in Michigan is straightforward. You can contact the Citizens car insurance phone number or visit their website to start the claim process. Their customer service team is available to guide you through every step. Start saving on your auto insurance by entering your ZIP code and comparing quotes.
Where is Citizens Insurance based in Michigan?
Citizens Insurance in Grand Rapids is one of the central locations for its Michigan operations. It provides support and services for local policyholders and offers a wide range of insurance solutions for residents across the state.
What kind of auto insurance does Citizens offer?
Citizens Auto Insurance offers a comprehensive range of coverage options, including liability, uninsured motorist, and full coverage. Whether you’re looking for citizen car insurance or additional options for specific vehicle needs, Citizens has customizable plans to fit various budgets.
Read our best auto insurance for out-of-state drivers to find out more.
Is The Hanover Insurance part of Citizens Insurance?
Citizens Insurance is part of the Hanover Insurance Group, providing customers with the same reliable coverage options. Many policyholders find Citizens Insurance a reputable choice with good customer service and policy options.
How can I potentially save on Citizens auto insurance?
You can reach Citizens’ auto insurance phone number for all auto-related inquiries, from policy to discount details and claims assistance. This dedicated line ensures you get the help you need promptly. Stop overpaying for auto insurance. Enter your ZIP code to find out if you can get a better deal.
How do Citizens compare to other insurance companies?
When comparing Citizens, a good insurance company, with other providers, many customers feel that Citizens stands out for its competitive pricing and personalized customer service. Citizen auto insurance reviews suggest that their coverage options are comparable to those of other leading insurers, with the added benefit of strong local support in Michigan.
Discover our auto insurance givebacks for further insights.
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