Citizens Auto Insurance Review (2020)

Citizens auto insurance is not sold directly, but customers can buy car insurance through its parent company, The Hanover. Citizens does offer home and business insurance policies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 11, 2020

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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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Company Details
Address: 645 W Grand River Ave
City: Howell
State: MI
ZIP Code: 48843-2151
Phone Number: 517-546-2160
Year Founded: 1915
AM Best Rating: A+
Company Rating 0 (0 reviews)

We know as well as you do that purchasing auto insurance can be a very complicated part of car ownership. Many drivers today are wondering: which popular insurance companies sell auto insurance?

In this review, we’ll go over everything you need to know about one company in particular: Citizens Insurance.

Let’s start with the basics: Citizens auto insurance is not available.

This article will act less as a Citizens auto insurance review and more of a general overview of the company, because even though there is no auto insurance available from this company, Citizens does offer personal property insurance, commercial property insurance, and casualty insurance.

This guide will walk you through Citizens’ policies, history, and services. We’ll also show you how to file a claim and get a quote through Citizens.

If you’re interested in purchasing one of the policies that Citizens sells, keep reading. You’ll soon have all the information you need. If you’d like to compare quotes from the best auto insurance companies before we begin our Citizens car insurance review, you can enter your ZIP code into the quote box above.

Does Citizens sell auto insurance?

Unfortunately for drivers looking for a new policy, there is no such thing as Citizens auto insurance. Citizens is not an auto insurance company, which means there are no Citizens auto insurance rental car coverage, no Citizens auto insurance roadside assistance, and no Citizens auto insurance rebates.

Many of you may want to know: What is auto insurance for, anyway?

Auto insurance protects you from financial loss in the event of a car accident, theft, or other incident that causes damage to your vehicle. This can be useful for paying for car repairs, medical bills, and legal fees. Auto insurance is mandated by most states in the U.S. Here are a few helpful statistics:

U.S. Auto Insurance Statistics
Key InfoDetails
2017 Average Auto Insurance Expenditure$1,004.58
Private Passenger Cars Insured in 2015202,681,302
2017 Most Expensive State for Auto InsuranceLouisiana
2017 Least Expensive State for Auto InsuranceNorth Dakota
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Even though there’s no Citizens car insurance, you can buy Citizens property insurance for your personal and commercial properties. Citizens also sells casualty insurance. Often, customers are interested in bundling and want to know what an auto insurance specialist says about bundling rates.

Though some insurance companies offer car insurance bundles, there are no Citizens auto and home insurance policies.

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Where is Citizens located?

Citizens is based in Howell, Michigan, and it primarily provides insurance to policyholders in the Midwest. It’s possible, therefore, that customers closer to the coast may have never heard of Citizens Insurance. Grand Rapids, MI, for example, is a popular location for Citizens.

Citizens’ parent company, the Hanover Insurance Group, is based in Worcester, Massachusetts. Hanover home insurance is available throughout the United States.

Does Citizens have agents?

Yes, Citizens operates through a select group of independent insurance agents and brokers. You can get in touch with Citizens insurance agents by calling this phone number: 1-800-922-8427.

If you’re asking, “How can I find Citizens insurance agents near me,” look no further. You can easily find an insurance agent using the agent locator tool on Hanover’s website.

Citizens’ agents can help you by answering questions like:

  • How is Citizens Insurance impacted by COVID 19 (the coronavirus)?
  • How can I amend my Citizens policy?
  • Is anyone who drives my car impacted by Hanover auto insurance?
  • How much would it cost to add another car to my Hanover car insurance policy?
  • How can I get a Citizens insurance refund?

These questions are great starting points if you’re hoping to customize your Citizens or Hanover policy. Agents can also help you make Citizens insurance payments.

How do I file a claim with Citizens?

The best way to file Citizens insurance claims is through the Hanover website. This will require your Citizens website login information.

Hanover policyholders can fill out online web forms to file a property insurance claim or auto insurance claim. Policyholders can also use Hanover’s website to get information about repairing auto glass damage and to find contractors or repair shops nearby. If you have internet access, this is a lot easier than filing a claim through the mail at Citizens Insurance’s claims address.

You can also call the Hanover Claim Service Hotline to file a Citizens insurance claim. Their number is 1-800-628-6977.

Hanover offers a different claim service for its Hanover Platinum Experience members.

The Hanover Platinum Experience includes the Platinum Auto Essential program. Hanover’s Platinum Auto Essential is a basic car insurance policy that offers features like vehicle key replacement coverage and mechanical parts replacement. Hanover policyholders looking to file a Platinum Auto Essential claim can call 1-800-799-6977.

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How do I get a quote from Citizens?

Lastly, let’s take a look at how you can obtain a Citizens insurance quote. If you’re interested in Hanover’s auto insurance policies, you can also use this process to get a Hanover auto insurance quote.

The only way to get a quote from Citizens is to contact a Hanover insurance agent. Hanover offers an agent locator function on its website. All you have to do to speak with an agent is enter your ZIP code.

Citizens History

So, how long has Citizens Insurance been around?

Citizens Insurance — short for Citizens Insurance Company of America — was founded in 1915. It’s a subsidiary of The Hanover Insurance Group. Based in Worcester, Massachusetts, Hanover is one of the top 25 providers of property and casualty insurance in the United States. The company was founded in 1852 and its current CEO is John Roche.

Unlike Citizens, Hanover does provide auto insurance. This can lead to some confusion, so let’s get one thing straight: If you’ve purchased auto insurance through this company, you’ve purchased it with Hanover auto insurance, not Citizens.

You may also be wondering: What do clients say about Citizens insurance? Let’s take a look at some Citizens insurance ratings.

While Citizens received a rating of A+ from Better Business Bureau (BBB), Citizens policyholders have given the company a rating of two out of five stars on BBB. So, how good is Citizens insurance? It depends on who you ask.

Better Business Bureau can help you understand many auto owners insurance reviews. For example, the website addresses questions like:

  • Is AAA a good insurance company?
  • Is Liberty Mutual a good company?
  • Is Auto-Owners Insurance a good company?
  • What are some Progressive insurance reviews?
  • What are some Allstate insurance reviews?
  • What are some Auto-Owners insurance reviews?

All of these questions can help you answer whether Citizens is the right company for you.

So, where can you get auto insurance from a good company? And how are auto owners securing good insurance? They’re probably comparing insurance quotes. You can do the same by entering your ZIP code below.

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Frequently Asked Questions: Citizens Auto Insurance

Let’s go over some frequently asked questions.

#1 – Which banks offer auto insurance?

Do banks offer auto insurance? While it isn’t common for banks to offer auto insurance, banks often require you to have auto insurance before they approve your loan.

#2 – What is the medical portion of my Hanover auto insurance?

When you purchase auto insurance through Hanover, one of your policy’s major components is medical coverage. This coverage compensates you for medical bills and fees related to an incident with your insured vehicle.

#3 – Who owns Hanover Insurance Company?

Hanover Insurance Company is owned by a holding company, Hanover Insurance Group, Inc.

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