Citizens Auto Insurance Review for 2025 (See if They’re a Good Fit)

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.

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

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.

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.

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.

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.

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.