Meemic Auto Insurance: How To Get the Best Rates

Meemic auto insurance is exclusively for teachers and educational workers in Illinois, Wisconsin, Georgia, and Michigan. With strong ratings from A.M. Best and the BBB, Meemic might be a solid choice for your needs.

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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 Daniel Walker

UPDATED: Apr 1, 2022

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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.

Things to Remember

  • Meemic sells insurance exclusively to teachers and other educational workers in Michigan, Illinois, Wisconsin, and Georgia
  • The company received an A from A.M. Best and an A+ from the Better Business Bureau
  • Meemic reviews are mixed, with satisfied customers regarding customer service and unsatisfied customers upset with the claims process

While most insurance companies try to scoop up as many customers as possible, some are more particular about their clientele. Meemic is one such company focusing on providing excellent coverage at affordable rates to teachers and educators.

While Meemic’s most popular product is its auto coverage, it also sells boat, umbrella, and home insurance. Meemic auto insurance only sells to teachers in four states, but residents of those areas tend to be satisfied customers.

If you’re an educator looking for car insurance and live in one of the four states Meemic covers, compare rates with other companies to find the best price. Learn more about Meemic for educators below to determine if Meemic is right for you.

What is Meemic car insurance?

Founded in 1950, Meemic has strived to serve teachers and other educational employees with exceptional insurance products. Meemic offers insurance discounts to all academic staff, including teachers, principals, librarians, cafeteria workers, and janitors.

Although these discounts will appeal to educators nationwide, Meemic only sells insurance to teachers in Michigan, Wisconsin, Georgia, and Illinois. Although it sells home, umbrella, and boat insurance, car coverage is this company’s best seller.

What does Meemic car insurance cover?

As with its competitors, Meemic sells the standard suite of car insurance options. The right coverage for you depends on your needs, but you can get an idea below:

  • Liability. Most states require a minimum amount of liability coverage, which pays for damage you cause in an at-fault accident. The four states Meemic serves require liability coverage before you can legally drive.
  • Collision. Regardless of who is responsible for causing an accident, collision insurance helps repair your car. Most lenders require you to have collision coverage on a vehicle you don’t own.
  • Comprehensive. If you don’t own your car outright, you’ll probably have to get comprehensive and collision. Comprehensive covers damage outside of accidents, such as extreme weather, animal contact, or theft.
  • Underinsured/uninsured motorist. Although insurance coverage is required throughout the U.S., not everyone has it. This coverage protects you against drivers with inadequate insurance and is required in Illinois and Wisconsin.

Meemic offers these coverages in each state it operates in. If you’re interested in car insurance add-ons, you can call the Meemic auto insurance phone number and check the availability in your state.

What discounts does Meemic offer on car insurance?

The number one reason to get a Meemic insurance quote is to take advantage of the exclusive discounts and savings specially crafted for educators. With that in mind, here are the discounts you can take advantage of if you qualify for Meemic insurance:

  • Paid-in-full. It costs more at first but paying for your full six-month policy will earn you a discount and cost less in the long run.
  • Bundling. Meemic offers a lot more than car insurance and buying multiple policies will save you money on each.
  • Anti-theft device. Devices that prevent the theft of your car (like audible alarms, GPS tracking, or an engine kill switch) will lower your rates.
  • New teacher certification. Meemic wants to celebrate your entry into education by giving you a discount for the first seven years after receiving your certificate.
  • Paperless. If you sign up for virtual documents, you’ll save paper and money.
  • Advance purchase. You can save 10% on your bill if you buy new auto insurance at least seven days before the policy starts.
  • Educated Choice Repair Program. If you use a mechanic from this program, Meemic guarantees first-rate repairs.

These are the available discounts Meemic offers, but there may be more depending on your state. To find out more, speak with an agent.

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How much does Meemic car insurance cost?

Unfortunately, Meemic doesn’t reveal its car insurance rates. However, you can get an idea of how much you’ll pay by looking at the average insurance price in your state.

StateMinimum insuranceFull coverage
Wisconsin$30$92
Michigan$114$199
Illinois$35$93
Georgia$45$117
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Most customers report satisfaction with Meemic’s rates, which means you’ll probably pay close to your state’s average price.

The defining characteristics of the price of your insurance include your driving record, age, and credit score. You can get an idea of what you’ll pay by looking at averages, but the only way of knowing for sure is with a customized quote.

What other types of insurance does Meemic sell?

Meemic might be best known for its car insurance, but it has several other policies to keep everything important in your life covered.

Home insurance is commonly bought by Meemic members, but it can protect a lot more than that. Consider the insurance options below, and remember, purchasing multiple policies makes you eligible for a discount.

Meemic Home Insurance

Meemic promises exceptional homeowners’ insurance for educators. Like its car insurance, Meemic covers the basic staples of home insurance:

  • Liability. If a visitor is injured on your property and you’re deemed responsible, the liability portion of your insurance helps cover your legal fees.
  • Dwelling. Dwelling coverage is probably what first comes to mind when you think of homeowners insurance. This covers the physical structure of your home, fences, and garages.
  • Personal belongings. A house isn’t much of a home if it has nothing inside. Meemic’s personal belongings coverage replaces items like furniture, clothing, and appliances.

Meemic also offers a few add-ons to increase the value of your policy, including extended coverage for valuable items, sewer, sump pump backup coverage, and snowmobile insurance.

Buying additional coverage for your home insurance is always tempting, but you should only buy what you need. Insurance add-ons add value to your plan, but they can quickly raise your rates.

It’s not just homeowners that can benefit from Meemic insurance. Condominium or mobile homeowners and renters can also get insurance through Meemic and renters.

Other Types of Insurance From Meemic

While Meemic primarily sells home and car insurance, there are many other products to choose from this company.

  • Boat insurance. While plan details vary by state, Meemic offers several discounts for boat owners. You can also join Meemic’s Captain’s Club, which adds value to your policy.
  • Motorcycle insurance. Meemic can cover your bike, but you’ll need to speak with an agent to get plan information.
  • Life insurance. Meemic and AAA have partnered up to provide educators with term life insurance policies at affordable rates.
  • Recreational vehicle (RV) insurance. RV coverage includes year-round travel insurance and total loss replacement.
  • Travel insurance. This is another product that Meemic offers through its partnership with AAA. Travel insurance is a relatively cheap way to protect yourself while away from home, including lost baggage protection.

As with most Meemic products, you’ll need to speak with an agent to learn details about what is offered in your state.

What do Meemic insurance reviews say?

While reading customer reviews is one of the best ways to understand how good a company is, smaller companies have fewer reviews to browse. That’s true of Meemic, whose customer base is educators from four states.

Even still, you can find reviews from Meemic customers, which are generally mixed. Some people appreciate their time with Meemic, while others don’t recommend them.

Another place you can look for reviews is professional rating services. For example, the Better Business Bureau rates Meemic with an A+. A.M. Best rates companies on their financial strength with letter grades and initially gave Meemic an A-. However, Meemic was recently upgraded to an A.

The customer reviews you can find paint a disheartening picture of the company. Many customers rate Meemic as low as they can, reporting that Meemic tries its hardest to avoid paying claims. Customers sometimes find themselves left to pay for damages they thought were covered out-of-pocket.

While it’s an accepted (although begrudgingly) fact that insurance rates occasionally increase, Meemic customers, state that their prices increase without an explanation. Meemic customers also express frustration that their insurance has gone from affordable to prohibitively expensive overnight.

However, there are still satisfied customers. Those who like their insurance appreciate that they can access their account and get quotes with a simple Meemic auto insurance login. Others like that Meemic usually offers friendly customer service experiences.

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Find the Best Insurance for Teachers

Meemic strives to provide teachers and other educators with affordable, quality insurance despite some negative reviews. While Meemic only sells car insurance in Georgia, Michigan, Illinois, and Wisconsin, it might be the right choice for residents in those states.

To determine if Meemic auto insurance is the best choice for you, you should compare quotes with as many companies as possible. From smaller providers like Meemic to the largest insurance companies, the best way to find an affordable price is to shop around.

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