Republic Auto Insurance Review (2021)

This review covers the Republic Insurance Group, a company licensed to sell its policies in 13 states. It sells both personal and commercial lines of insurance, including auto, home, renters’, condominium, dwelling fire insurance, and umbrella insurance.

The lines of personal coverage that are sold by the Republic Group are the most popular and account for the majority of business revenue that is created. This revenue is created through monthly premium payments.

While Republic rates are not made publicly available, read through our comprehensive guide to learn about the different factors that affect your rates with this company, how to seek out a quote, file a claim, and even cancel an existing policy.

Before committing to buy Republic auto insurance, enter your ZIP code into our free quote comparison tool above and compare rates from reputable providers near you.

What are the average Republic auto insurance rates?

Republic Group is an insurance company located in Dallas, Texas. It is also an A.M. Trust Financial company.

This company does not make rate data and quote information publicly available. You should understand that your rates are going to depend on the level of risk you pose to the company, or the likelihood of you filing a claim that they will need to pay.

To see how much your premiums will be with this company, you’ll have to get an individual insurance quote on the company’s website or by speaking with an agent.

To help you know if you’re receiving an affordable Republic rate, compare your quoted amount to the national average cost of auto insurance.

According to the National Association of Insurance Commissioners (NAIC), the average cost of personal auto coverage in 2017 was $84 per month or $1,005 annually.

Remember, many different factors go into calculating your rates. Republic Group agents will consider your age, driving record, the type of vehicle you drive, and even your ZIP code when determining your costs.

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What coverage options does Republic sell?

Republic Group sells a variety of insurance products. Those lines include auto, homeowners, renters’, condominium, dwelling fire insurance, and umbrella insurance.

The company used to offer commercial lines of coverage, however, it has shifted to only selling personal policies through the company website. Let’s dive into each coverage type in more detail.

What auto insurance does the Republic Group offer?

You can purchase the main auto coverages through the Republic Group, including liability coverage, comprehensive coverage, and collision coverage.

According to the Insurance Information Institute (III), some form of liability coverage is required in almost every state.

Automobile insurance coverage through Republic is competitive and comprehensively covers the laws of the limited states the policies are written for. 

Beyond this, Republic auto insurance agents will make suggestions as to the amount of coverage that would be appropriate for the customer. If you are financing or leasing your vehicle, Republic agents will also help determine if the lienholder on the vehicle requires you to have additional coverage. This level of personal insurance service can help you find the solution that not only fits your needs but also one that you’re in the financial position to afford.

What homeowner’s coverage does the Republic Group offer?

Homeowners’ insurance policies through the Republic Group are tailored to meet the needs of each homeowner.

Basic coverage is given for all homeowners’ policies and is built upon depending on the type of home, where the home is located, and what items are in the home.

Some homeowners want the fullest protection allowed while others just want the basic coverage required by law. Regardless of which insurance coverage option is best for you, it is available through the Republic Group.

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What other types of insurance does the Republic Group offer?

For those who do not own a home, the Republic Group also sells condominium and renters’ insurance. The condo insurance is for those who own or rent a condominium.

The Renters insurance only covers what is inside the apartment since the apartment building owner should already have an existing policy for the building itself.

The line of personal insurance products offered by Republic is completed with dwelling fire insurance and umbrella insurance. Dwelling fire coverage actually covers more than fires. It covers smoke, hail, civil commotion, vandalism, and more.

Umbrella insurance fills in the gaps and exceeds the limits of other coverage. It is for the express purpose of providing coverage in case of a lawsuit.

Combining policies through the Republic Group makes it easy when questions or problems arise.

All your answers and information are with one company in one place. Each policy is customized to meet the client’s needs. Policies can be mixed and matched.

How do I get a quote from Republic?

To discover your Republic auto insurance rates, you’ll have to seek out a quote on the company website. Once on the company homepage, you must navigate to the ‘Contact Us’ page.

Call the corporate office number at either 800-344-2275 or 972-788-6001 to ask about receiving a quote.

These numbers are only operable between 8:00 am and 4:30 pm central time Monday through Friday.

What discounts does Republic offer?

Auto insurance discounts often stack together and add up to some great savings. Fortunately, the Republic Group offers a handful of great discount opportunities to its clients.

According to the website, the current Republic discounts include the following:

• Excellent credit history
• Homeowner/other policy bundling
• Agency credit
• Loss free renewal
• Mature operators/senior discount
• Driver’s education discount
• Good student discount
• Discounted rates for students away at school

Overall, this company provides many attractive savings benefits to its customers who are looking to reduce their insurance premium.

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How do I file a claim with Republic?

Knowing how to file an auto insurance claim with the Republic Group can help you determine if the company is compatible with you and your needs. You don’t want to wait until you experience an accident to learn that your agent is unresponsive and the claims procedure is slow.

Claims can be filed with the Republic Group anytime. There is a customer login that allows clients to manage their policy and submit and track claims.

Another 24 hours a day, 7 days a week, 365 days per year claims center is available on the company website, providing an efficient solution to getting your claim handled. There are three links that lead to a form, prompting the client to fill it out with the relevant information.

The different claims centers include:

• Auto glass claim
• Personal property claim
• Personal auto claim

There are also two corporate office phone numbers associated with the claims center with limited availability for clients to call. 

The claims center can be reached at either 972-788-6001 or 800-344-2275. The hours of operation are 8:00 am and 4:30 pm central time Monday through Friday. 

You can even file a claim request through the following email address: [email protected]

Customers also have the option of filing claims through an agent over the phone or in person.

This gives the client the opportunity to ask any questions they may have and to hear directly from the agent regarding what the next steps are. The downside is that you can only speak to an agent during regular business hours.

Once your claim is submitted, it will be processed in a timely manner. If any questions arise while processing the claim, you will be contacted directly by the company or an agent.

How do I cancel my policy?

You can cancel your auto insurance policy through the Republic Group at any time, for any reason. You can cancel your policy by calling an agent directly, through the mail, or by managing your policy in the customer portal on the company website.

While the company does not mention cancellation fees online, you still may be subject to paying a small fee depending on when in your policy term you decide to cancel.

If you paid for your auto Republic Group policy up-front in full, you could receive a small refund. 

What are Republic’s reviews and ratings like?

Looking at the customer reviews and financial ratings of the Republic Group can help you determine if this company will be able to reliably close out your claims and protect you even in the event of an economic downturn.

While the Republic Group is not accredited through the Better Business Bureau (BBB), the company received a B+ financial rating. However, as an A.M. Best Company, the Republic Group received an A- rating. While not perfect, these scores are still indicators of economic excellence.

There are no customer service reviews for the Republic Group on the BBB website.

You are now a Republic auto insurance company expert. Refer back to this guide as much as needed while you comparison shop for your best rates.

To find out if the Republic auto insurance company is right for you, enter your ZIP code into our free quote tool below and compare rates from other reputable providers in your area.