RLI Auto Insurance Review (2020)

This RLI Auto Insurance Review (2020) review will cover RLI Auto Insurance Review (2020) ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The RLI Insurance Review (2020) A.M. Best rating is A+. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

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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: Nov 6, 2020

Advertiser Disclosure

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.

Company Details
Address: 9025 North Lindbergh Drive
City: Peoria
State: IL
ZIP Code: 61615
Phone Number: 309-692-1000
Year Founded: 1966
AM Best Rating: A+
Company Rating 0 (0 reviews)

Things to Remember...

  • RLI has been in existence for 45 years and focuses on underserved insurance markets
  • RLI actually stands for Replacement Lens, Inc
  • RLI has consistently been given an A+ Superior rating by A.M. Best independent rating company and is licensed in all 50 states

A review of RLI Auto Insurance Company leads to RLI Insurance Company. RLI has been in existence for 45 years and focuses on underserved insurance markets.

They started out focusing on only one insurance market, but have since expanded to include many types of insurance products, selling policies in several states.

RLI has a unique history within the insurance industry. RLI actually stands for Replacement Lens, Inc. In the 1960s, the contact lens industry was taking off.

Before the invention of soft contact lenses, all contact lenses were hard. They were costly and not covered by many insurance carriers.

RLI Hawaii Homeowners Insurance is just one of the popular products offered by the company. Read on for information on their other products.

If you are looking for personal auto insurance, enter your zip code above to compare auto insurance rates from several top companies.

RLI Products

Moving beyond contact lenses was an easy decision. RLI quickly moved into the field of selling commercial property insurance, umbrella insurance, and liability insurance.

This required creating subsidiaries that were able to sell in additional states. Throughout the years, RLI has consistently been given an A+ Superior rating by A.M. Best independent rating company and is licensed in all 50 states.

Since its expansion, RLI has developed three main categories of insurance coverage.

Those three categories are:

  • Personal Insurance Coverage
  • Business Insurance Coverage
  • Surety Bonds

Within each of these categories are specific coverages that RLI has worked to perfect according to experience and customer needs. Each policy is customized to meet the needs of the people.

Personal Insurance Coverage includes homeowners insurance for Hawaii residents, home business insurance, personal umbrella insurance, and pet insurance.

Hawaii homeowners insurance covers lightning, vandalism, smoke, fire, and other property damage. Hawaii is the only state covered for homeowners insurance because it is a niche market.

Homeowners insurance in Hawaii is costly due to the damages of volcanoes and flooding.

A chart featuring homeowners insurance statistics can be found below.

Homeowners Insurance Statistics

Key InfoDetails
Average Homeowners Losses 2013–2017$12,474
Average Claim Frequency 2013–20175.51
Average Annual Homeowners Insurance Rates in 2017$1,211
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As you can see, homeowners experienced over $10,000 in losses from 2013-2017.

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More RLI Insurance Products

Pet insurance is another niche market RLI focuses on. Pet insurance is intended for pure breed dogs or expensive, exotic animals.

Purchasing a pet of this kind is really an investment and if the animal gets sick or dies, you are protecting your investment.

RLI umbrella insurance offers additional liability, which can come in handy if you have expensive assets. This video goes over a personal umbrella policy.

The divisions of business insurance that RLI carries are casualty insurance, professional services, executive products, marine, specialty programs, property, reinsurance, and transportation.

Within these categories, there are several areas that are considered specialty coverage such as archery, yacht, public transportation, floating property, real estate trusts, and non-profit organizations.

RLI home business insurance reviews, RLI Insurance’s umbrella policy rating, and other specific product reviews are difficult to find, however, the company does have an A+ rating with the Better Business Bureau. RLI insurance reviews for the company differ depending on what review site you are using. It is best to do your resarch when looking for RLI Insurance Company reviews.

As mentioned above, the RLI Insurance rating with AM best rating is “Superior.”

RLI is licensed to sell Surety Bonds in all 50 states. Surety Bonds are a type of insurance that is necessary when there is a contract between a business and a customer.

It’s worth noting that RLI Insurance also has a subsidiary called RLI Indemnity, who offers life and health insurance.

USe our quote box below to easily compare rates from great auto insurance companies.

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RLI Agents

Still wondering is RLI a good insurance company? Contact one of their agents and find out for yourself!

Agents who work for RLI must be trained in these specialty areas of insurance. Understanding what customers in these niche markets need is essential to developing relationships and providing the proper coverage.

Most agents that come to RLI have previous insurance experience but those who do not can undergo training.

Agents who come from other insurance fields undergo training both at the home or regional office as well as at specialty seminars and symposiums.

This training is applied immediately when writing policies for individuals and companies. RLI agents do not shy away from hard to insure companies or individuals. In fact, they look for companies that are underinsured.

Through the RLI website, you can easily contact an agent and ask about starting an RLI insurance policy! The site also offers an RLI Insurance login tool, where you can pay your bill.

Even though RLI does not carry personal auto insurance, you can compare auto insurance rates for yourself by entering your zip code in the free box below!

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