USA Underwriters Auto Insurance Review for 2025 (See if They’re a Good Fit)
USA Underwriters, formerly Southern Michigan Mutual, offers auto insurance from $50 per month with up to 15% discounts across 41 states. Use our USA Underwriters auto insurance review to compare rates, coverage, and how factors like age, credit, and driving history impact your premium.
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Table of Contents
Table of Contents
Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Rachel Bodine
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...
Brad Larson
Updated April 2025
Our USA Underwriters auto insurance review found that liability insurance starts at $50 per month. The company has high customer service ratings but lacks some of the modern digital perks that most national providers have.
USA Underwriters Auto Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 2.5 |
| Business Reviews | 3.0 |
| Claims Processing | 3.0 |
| Company Reputation | 3.0 |
| Coverage Availability | 1.4 |
| Coverage Value | 2.5 |
| Customer Satisfaction | 4.5 |
| Digital Experience | 2.5 |
| Discounts Available | 2.0 |
| Insurance Cost | 2.6 |
| Plan Personalization | 3.0 |
| Policy Options | 1.5 |
| Savings Potential | 2.4 |
Rebranded from Southern Michigan Mutual Insurance Company, USA Underwriters focuses mainly on Michigan auto insurance but has expanded into 41 states and Washington, D.C.
As Michigan’s oldest insurance provider, it has been committed to affordable, quality insurance for over 150 years, which is reflected in its high consumer and claims satisfaction ratings.
- The Southern Michigan Mutual Insurance Company was founded in 1862
- USA Underwriters car insurance quotes start at $100 monthly
- Drivers with bad credit get cheap rates with USA Underwriters
If you need cheap full coverage insurance, start comparing total coverage auto insurance rates by entering your ZIP code here.
USA Underwriters Auto Insurance Rates For Different Drivers
Explore how USA Underwriters auto insurance monthly rates vary by age, gender, and coverage level, with younger male drivers typically facing the highest rates.
USA Underwriters Auto Insurance Monthly Rates by Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $320 | $460 |
| 16-Year-Old Male | $350 | $500 |
| 18-Year-Old Female | $280 | $420 |
| 18-Year-Old Male | $310 | $470 |
| 25-Year-Old Female | $160 | $260 |
| 25-Year-Old Male | $180 | $280 |
| 30-Year-Old Female | $120 | $210 |
| 30-Year-Old Male | $140 | $230 |
| 45-Year-Old Female | $110 | $192 |
| 45-Year-Old Male | $121 | $200 |
| 60-Year-Old Female | $100 | $180 |
| 60-Year-Old Male | $112 | $190 |
| 65-Year-Old Female | $105 | $185 |
| 65-Year-Old Male | $115 | $195 |
For instance, 16-year-old males pay up to $500 for full coverage auto insurance, while 60-year-old females enjoy lower rates of around $180.
USA Underwriters also tailors rates to reflect driving records. Minimum coverage costs range from $100 for drivers with clean records to $250 for those with DUIs.
Your driving record impacts rates. Accidents and DUIs raise premiums. For example, a DUI can increase rates by 50%.Michelle Robbins Licensed Insurance Agent
This pricing model shows how previous driving behavior can have a huge difference on the price you pay for USA Underwriters insurance. Use our guide to find cheap auto insurance after a DUI.
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USA Underwriters Auto Insurance Rates vs. The Competition
USA Underwriters provides minimum coverage for $50 monthly and full coverage for $130 per month. See how it compares to other leading providers based on monthly rates.
Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $87 | $228 |
 | $62 | $166 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $53 | $141 |
| $50 | $130 |
It’s only slightly more expensive compared to Geico at $43 a month and State Farm at $47 monthly. USA Underwriters provides a balanced option for those seeking affordable coverage. It also tends to be the cheapest option for drivers with bad credit. Learn how credit scores affect auto insurance rates.
The table below compares USA Underwriters car insurance monthly premiums by credit score with those of most major competitors. USA Underwriters usually provides the lowest rates, ranging from $85 for good credit, $115 for fair credit, and $175 for bad credit.
Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $100 | $130 | $200 |
| $98 | $128 | $198 |
| $105 | $135 | $210 |
| $90 | $120 | $180 |
| $110 | $140 | $220 |
| $98 | $128 | $195 |
| $92 | $122 | $185 |
| $95 | $125 | $195 |
| $102 | $132 | $202 |
| $85 | $115 | $175 |
With competitors such as Allstate and Geico also utilizing a similar structure but typically charging higher rates than comparable companies, USA Underwriters tends to be an affordable option for those using their credit history to obtain cheaper coverage.
USA Underwriters Auto Insurance Discount Options & Savings
USA Underwriters offers discounts like 15% for safe drivers and 12% for bundling home and auto insurance, making them one of the best companies for bundling home and auto insurance. Other savings include 10% for defensive driving and good student discounts.
USA Underwriters Auto Insurance Discounts
| Discount | |
|---|---|
| Safe Driver | 15% |
| Bundling | 12% |
| Defensive Driving | 10% |
| Good Student | 10% |
| Pay-in-Full | 8% |
| Anti-Theft | 7% |
| Hybrid/Electric | 7% |
| Vehicle Safety | 6% |
| Low Mileage | 5% |
| Paperless | 5% |
USA Underwriters SHIELD policy provides affordable coverage that can be customized to meet your lifestyle and budget. Its coverage gives you great coverage while ensuring that your personal information is kept safely on its servers using Secure Socket Layer (SSL) technology.
These discounts reward responsible driving and encourage safe habits that help keep drivers’ rates as affordable as possible, but national providers have much bigger discounts. See more in our guide to the best good driver auto insurance discounts.
Essential USA Underwriters Auto Insurance Coverage
USA Underwriters offers a basic range of coverage options to fit different needs, from essential liability protection to comprehensive full coverage plans.
- Liability Coverage: Pays for damage or injury you cause to others in an accident.
- Collision Coverage: Helps with the cost of damage to your vehicle in case you hit another vehicle or object.
- Comprehensive Coverage: Protects against damages to your vehicle from non-collision-related incidents like theft, fire, or natural disasters.
When you need basic liability, collision, or comprehensive coverage, USA Underwriters full coverage insurance policies ensure financial protection and peace of mind.
USA Underwriters provides options to help keep you covered, but it doesn’t offer any additional coverages for rideshare drivers or gap insurance. However, if you need to meet your state’s minimum requirements or need cheap auto insurance after an accident, it can help manage costs even if you’re involved in a collision.
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USA Underwriters Consumer & Industry Reviews
USA Underwriters has recently been rated strongly by the key sources in this industry. J.D. Power scored them 815 out of 1,000 , which showed higher than average customer satisfaction for the insurance industry. Consumer Reports scored them 72 out of 100, and NAIC reported complaint volume below average.
USA Underwriters Auto Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: 815 / 1,000 Avg. Satisfaction |
 | Score: A- Good Business Practices |
 | Score: 72 / 100 Avg. Customer Feedback |
 | Score: 0.95 Fewer Complaints Than Avg. |
 | Score: A- Strong Financial Strength |
An A- from A.M. Best shows a strong financial stability for paying USA Underwriters claims. When combined with high satisfaction ratings, it shows that USA Underwriters customer service is adept at handling claims and addressing customer complaints.
USA Underwriters Auto Insurance Pros And Cons
USA Underwriters offers competitive auto insurance rates with valuable discounts and the convenience of same-day coverage.
- Competitive Rates: Offers affordable auto insurance with discounts for safe drivers, bundling, and more.
- Same-Day Coverage: Many drivers seeking coverage immediately value fast policy approvals, which this policy provides.
- Strong Financial Stability: Rated A- by A.M. Best, indicating reliability in handling claims and policyholder commitments.
On the downside, there is a lack of customer reviews online. And with limited availability in states, it’s hard to guarantee drivers can find relevant firsthand experience.
- Limited Customer Reviews: The lack of online reviews makes it hard to know what real customers think about their service.
- Restricted Availability: Coverage may not be available in all states, limiting options for potential policyholders.
USA Underwriters offers affordable rates, fast approvals, and strong financial backing, but limited online reviews make customer experiences unclear.
If availability and feedback matter, exploring other options may help you find the best fit. Find out where to compare auto insurance rates to explore other options in your state and ensure you’re getting the best deal available.
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Save Money With USA Underwriters Auto Insurance
Our USA Underwriters auto insurance review highlights affordable rates starting at $100 per month, with discounts up to 15% and same-day coverage. Rebranded from Southern Michigan Mutual Insurance Company, it offers minimum coverage from $50 and full coverage at $130.
As one of the best Detroit, Michigan auto insurance companies, it provides quick approvals and multiple discounts, but drawbacks include limited customer reviews, restricted availability, and fewer policy options.
It is a solid choice for budget-conscious drivers, but availability and feedback should be considered. Start saving on your auto insurance by entering your ZIP code and comparing quotes.
Frequently Asked Questions
How does USA Underwriters compare to other auto insurance companies in terms of pricing?
Reviews of USA Underwriters show that it can be very competitive. Monthly premiums begin at $50 for minimum coverage.
What is the average cost of USA Underwriters car insurance?
The average cost of USA Underwriters car insurance is around $100 per month. Rates vary by age, driving history, and coverage levels, with auto insurance rates by age being higher for younger drivers. Overall, the company offers competitive pricing.
Is USA Underwriters legitimate?
Yes, USA Underwriters is a legitimate insurance provider. It has been rebranded from Southern Michigan Mutual Insurance Company and is financially strong, with an A- from A.M. Best.
Avoid expensive auto insurance premiums by entering your ZIP code to see the cheapest rates for you.
How do I update my account information through the USA Underwriters login?
Once logged in, click on the “Account Settings” section to change personal information, payment methods, and other information related to your account.
Is it possible to set up automatic payments for USA Underwriters insurance online?
USA Underwriters Insurance offers an option to set up automatic payments online. You can manage this through your online account to ensure your auto insurance premium is paid on time without manual intervention.
Are there any special discounts available with USA Underwriters auto insurance coverage?
Yes, USA Underwriters offers various discounts, such as up to 15% for safe drivers, 12% for bundling policies, and discounts for good students and defensive driving courses.
Is there a fee for a late USA Underwriters payment?
If your payment is not received by the due date, USA Underwriters will assess a late fee. It’s critical to pay on time to avoid being hit with extra fees.
Can I get a quote by calling the USA Underwriters phone number?
Yes, you can call the USA Underwriters phone number to request a quote for auto insurance or inquire about available coverage options.
Can USA Underwriters auto insurance reviews and ratings help me find the best coverage?
Yes, reading USA Underwriters insurance reviews provides insights into their coverage options, including liability auto insurance coverage, collision, and comprehensive coverage, and compares their policy costs to other major providers.
Will I be able to track my claim after contacting the USA Underwriters claims phone number?
Yes, once you call the USA Underwriters claims phone number, you will get updates and be able to check the status of your claim online or through tustomer service.
Can my USA Underwriters auto insurance quotes change based on my driving record?
Is USA Underwriters auto insurance available nationwide?
Who should get USA Underwriters auto insurance?
What are the types of USA Underwriter payments available for auto insurance?
How quickly can I get coverage with USA Underwriters auto insurance policies?
How does USA Underwriters handle consumer complaints?
How do state-specific laws affect car insurance by state?
What is the process of filing USA Underwriters claims for vehicle damage?
What factors impact USA Underwriters auto insurance rates by driving history?
What are the average USA Underwriter auto insurance quotes for young drivers?
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