Citizens Auto Insurance Review for 2025 (See if They’re a Good Fit)
Citizens auto insurance review offers affordable coverage, starting at just $130/month. Citizens insurance cover all aspects through comprehensive coverage plus unique add-ons such as roadside assistance. A detailed review of its rates, discounts, and coverages can provide all this and much more.
Brad Larson
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...
Licensed Insurance Agent
UPDATED: Jan 14, 2025
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.
UPDATED: Jan 14, 2025
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.
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Citizens Auto Insurance
Average Monthly Rate For Good Drivers
$130A.M. Best Rating:
AComplaint Level:
LowPros
- Affordable rates
- Easy claims process
- Strong customer service
Cons
- Limited coverage options
- Few discounts available
This Citizens auto insurance review will give the company an edge in competitive rates, reliable coverage, and unique policy options for its clients’ diverse needs.
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 on flexible coverage and sound customer service.
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 |
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 offers competitive rates with customizable coverage
- Known for excellent customer support and a smooth claims process
- Tailored options for high-risk drivers and those needing flexible policies
Citizens Auto Insurance Coverage Cost
Citizens auto insurance, available through its parent company, The Hanover, offers a full coverage rate of $130 on average monthly.
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, but understanding the benefits of auto insurance can help you make more informed decisions when choosing a policy.
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Citizens Auto Insurance Average Cost vs. Competitors
Citizens’ rates through Hanover are competitive but tend to be higher than those of other major insurance providers. For instance, insurers like Geico and Progressive generally offer lower average rates.
Citizens Auto Insurance Monthly Rates by Driving Record
| Driving Record | Minimum Coverage | Full Coverage |
|---|---|---|
| Clean Record | $60 | $140 |
| 1 Ticket | $75 | $170 |
| 1 Accident | $90 | $200 |
| 1 DUI | $120 | $250 |
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. These options ensure you are covered in multiple scenarios, from standard liability coverage to more comprehensive protection.
Citizens offer standard coverage options, such as:
- 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.
With such vast coverage, 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.
Citizens Auto Insurance Available Discounts
Citizens Auto Insurance provides discounts for its policyholders, which means the drivers save money on premiums. This would lead to a total cost reduction with comprehensive coverage.
When evaluating auto insurance options like Citizens, consider the comprehensive coverage and unique add-ons, such as roadside assistance, which can offer more excellent value for slightly higher premiums. Always balance your budget with your specific coverage needs to maximize protection.Kristine Lee Licensed Insurance Agent
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.
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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.
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 has an A+ rating from the Better Business Bureau and an A (Excellent) rating from A.M. Best on financials.
Citizens Business Insurance Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: A (Excellent) Strong Financial Stability |
 | Score: A+ Business Practices |
 | Score: 72/100 Avg. Customer Satisfaction |
 | Score: 878/1,000 Above Avg. Satisfaction |
 | Score: 2.85 More 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
Citizens Insurance is known to provide numerous benefits but also has some downsides. The pros and cons of this insurance provider are detailed here to assist you in deciding whether Citizens is suitable for your auto insurance.
Pros
- 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.
Cons
- 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. When deciding if Citizens is the right provider, consider your location, budget, insurance needs, and how to manage your auto insurance policy.
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Citizens Auto Insurance: Dependable Protection with High-Standard Service and Financial Soundness
Citizens auto insurance, offered by Hanover, has some excellent options. Their company is reliable regarding service and finances; though often slightly pricier than most companies, you appreciate the spectrum of coverage offered with various available discounts.
Opinions/Experience with Citizens Insurance?
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This makes them an excellent option to pay dependable insurance, especially if you’re looking for a policy that offers comprehensive auto insurance, where you don’t mind paying that little bit more for options being complete. Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.
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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 Insurance a good company?
In Michigan, Citizens Insurance reviews are generally positive, with many customers appreciating the company’s reliable customer service and competitive rates. If Citizens Insurance is good, many users highlight its comprehensive coverage options and quick claims process.
How do I contact Citizens Insurance customer service?
To reach the phone number of Citizens auto insurance claims, you can call their dedicated line for auto insurance claims. Alternatively, you can use the Citizens auto insurance phone number for general inquiries about your policy or coverage.
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.
Brad Larson
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...
Licensed Insurance Agent
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.
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