Co-operative ranks second overall nationally, making it one of the best car insurance companies in the nation. It is top-ranked for affordability and has strong customer service, ranking eighth in customer experience among all providers we evaluated.
Co-operative Car Insurance Review
Updated: September 22, 2025
Advertising & Editorial Disclosure
Key Takeaways
Co-operative earns third place for full coverage affordability and third for minimum liability coverage with average monthly rates of $62 and $20 respectively.
Co-operative ranks eighth nationwide for customer satisfaction, due to strong agent service and positive forum reviews from policyholders.
Co-operative holds the 11th spot for coverage options, offering unique features like accident forgiveness and new car replacement coverage for comprehensive protection.
Co-Operative Insurance Car Insurance Ratings
| Overall Score | 4.62 | 2 |
| Customer Experience | 4.57 | 8 |
| Coverage | 2.50 | 11 |
| Affordability | 5.00 | 1 |
Who Is Co-Operative Insurance Car Insurance Best and Worst For?
Co-operative works best for drivers with a DUI, bad credit or low income and senior drivers, offering savings for these higher-risk profiles. It's less ideal for drivers with newer cars.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100,000 - 1000 comp_coll
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.46 | 4 |
Co-Operative Insurance Car Insurance Ratings by State
Co-operative ranks within the top five companies in one out of 50 states and territories in the United States. The company doesn't hold the top position in any state, indicating limited market presence.
| Vermont | 4.17 | 4 |
*Ratings are based on a 40-year-old male driver with good credit and no driving violations who insures a 2012 Toyota Camry.
How Much Does Co-Operative Insurance Car Insurance Cost?
Co-operative car insurance costs range from $17 to $411 monthly based on your personal profile and coverage choices. We've analyzed national costs by age group, gender, coverage level, credit score and driving record.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Select
Coverage Level:100/300/100,000 - 1000 comp_coll
| $117 | $1,408 | -37% | 4 |
Co-Operative Insurance Car Insurance Rates by Driver Category
Co-operative ranks among the cheapest car insurance companies across most driver profiles, including those with accidents, DUIs and bad credit. It doesn't show expensive pricing for any specific driver category.
| Adult Drivers | $16 | $52 | -53% | 1 |
| Drivers With a DUI | $21 | $71 | -74% | 1 |
| Drivers With an Accident | $22 | $67 | -52% | 3 |
| Drivers With a Speeding Ticket | $19 | $64 | -53% | 2 |
| Drivers With Bad Credit | $32 | $105 | -51% | 1 |
| Drivers With Low Income | $17 | $57 | -58% | 1 |
| Drivers With Newer Cars | $28 | $92 | -39% | 5 |
| Drivers With Old Cars | $15 | $49 | -49% | 3 |
| Senior Drivers | $19 | $55 | -54% | 1 |
| Young Drivers | $33 | $102 | -56% | 3 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
Co-Operative Insurance Car Insurance Rates by State
Co-operative rates range from $16 to $52 per month on average across different states. The insurer ranks among the top five most affordable options in just one of all the states and territories.
| Vermont | $16 | $52 | -36% | 2 |
*Rates are based on a 40-year-old male driver with good credit, no driving violations and a 2012 Toyota Camry.
Co-Operative Insurance Car Insurance Discounts
Co-Operative Insurance offers 14 car insurance discounts, with average savings of up to 12% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Safety Equipment | Variable | Vehicles equipped with airbags, anti-lock brakes, daytime running lights and anti-theft devices | Available in Vermont and New Hampshire |
Bundling Discount/Account Credit | Variable | Bundle auto with home or farm insurance through Co-op | Available in Vermont and New Hampshire |
Defensive Driving Course | Variable | Complete approved defensive driving course (Co-op sponsors skid school training programs) | Available in Vermont and New Hampshire |
First Accident Forgiveness | Variable | Maintain good driving record, specific eligibility requirements vary | Available in Vermont and New Hampshire |
Co-Operative Insurance Car Insurance Customer Reviews and Reputation
Co-operative ranked eighth in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. It has good agent service and digital tools, though claims processing generates more complaints than other areas.
Buying Process Experience
Co-operative emphasizes personal relationships over digital convenience, with agents across Vermont and New Hampshire who understand regional needs and can provide face-to-face service.
This works well if you value personal attention but may feel old-fashioned compared to digital platforms. Most customers appreciate the agents who can explain coverage options specific to rural Vermont and New Hampshire conditions.
Policy Management
Co-operative's policy management is traditional, with limited digital self-service options compared to larger national insurers.
The company recently upgraded its technology platform with Guidewire InsuranceNow, improving backend operations, but customers still rely primarily on their local agents. The agents provide personalized service but it means less self-service features than some other insurers.
Claims Experience
Co-operative provides fast, fair service by adjusters who understand Vermont and New Hampshire conditions. The company handles 95% of claims with its own adjusters. Customers can report claims 24/7 online or by phone, with Co-op aiming to contact you by 10 a.m. the next business day.
Co-Operative Insurance Car Insurance Industry Customer Satisfaction Ratings
Co-Operative Insurance ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas.
A.M. Best Financial Strength | A | A++ to D | Excellent ability to meet financial obligations and pay claims |
A.M. Best Long-Term Credit Stability | Not Available | N/A | No long-term credit rating information available on company website |
S&P Global Financial Strength | Not Available | N/A | No S&P rating information available on company website |
Moody's Financial Strength | Not Available | N/A | No Moody's rating information available on company website |
J.D. Power Auto Claims Satisfaction | Not Available | N/A | No J.D. Power rating information available on company website |
J.D. Power Digital Service Experience | Not Available | N/A | No J.D. Power digital service rating information available on company website |
J.D. Power Auto Insurance Shopping Study | Not Available | N/A | No J.D. Power shopping study rating information available on company website |
J.D. Power Overall Customer Satisfaction | Not Available | N/A | No J.D. Power overall customer satisfaction rating information available on company website |
NAIC Auto Complaints | Not Available | N/A | No NAIC complaint data available on company website |
ValChoice Best Value Award | Best Value Winner | State-specific rankings | Best Value for Auto Insurance in Vermont and New Hampshire for four consecutive years (through 2020) |
Co-Operative Insurance Car Insurance Reddit and Forum Customer Satisfaction
Co-operative customers on Reddit and online forums show the company's community-focused approach and competitive rates for bundled policies. But discussions reveal mixed experiences with claims processing and limited digital features compared to larger national carriers.
"Co-op's rates are solid, especially if you bundle home and auto. The local agent approach works well until you need to file a claim online at midnight," shared one policyholder on a regional insurance forum.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
Co-operative offers competitive bundling discounts and transparent pricing, though customers note rate increases can be steep after claims or policy changes.
“Started with Co-op because they beat everyone else's quote by $300 annually for home and auto bundle. Three years later, still competitive but watch those renewal increases – they add up fast.”
Claims Processing
Claims experiences vary by region and claim complexity, with customers reporting inconsistent processing times and communication gaps.
“Filed a hail damage claim in May – took four months to get resolution. Had to call weekly for updates, but once they moved, the settlement was fair and covered everything properly.”
Customer Service
Agent-based service receives praise for personal relationships, but phone support quality varies by location. Digital support options remain limited compared to larger insurers.
“My local Co-op agent knows my family by name and remembers details about our coverage needs. Phone support is hit-or-miss depending on who answers – some reps are great, others seem rushed.”
Digital Experience
Co-operative's digital platform lags behind major competitors, with basic functionality for policy management but limited features for claims tracking and customer self-service.
“The app works fine for checking coverage and making payments, but don't expect the bells and whistles you'd get with State Farm or GEICO. It's functional but not fancy.”
Trust and Reputation
Co-operative is trusted by customers who value community-focused insurance, though some question the company's long-term competitiveness against larger national carriers.
“I like supporting a cooperative instead of a massive corporation. They seem to care more about members than just profits, though sometimes I wonder if they can keep up with the big players.”
Coverage Options
Customers appreciate standard coverage options and bundling flexibility, but note fewer specialized products and add-on options.
“Co-op covers all the basics well and their bundling options work for most families. If you need specialty coverage or lots of add-ons, you might find more choices elsewhere.”
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Co-Operative Insurance Car Insurance Coverage Options
Co-operative provides the same standard coverages as other top insurers, including liability, comprehensive and collision protection. The company also offers additional add-ons such as:
Deductible Savings Bank | Reduces deductible by 10% each year free of comprehensive and collision claims | Can reduce deductible to $0 with multiple claim-free years |
Pet Injury Coverage | Covers veterinary bills if pet is injured in a covered accident | Up to $1,000 coverage available |
Custom Parts & Equipment (CPE) | Aftermarket modifications, custom paint, sound systems, wheels | Coverage for non-factory additions to vehicles |
Loan/Lease Gap Coverage | Pays difference between actual cash value and loan/lease balance | Essential protection for financed and leased vehicles |
Original Equipment Manufacturer (OEM) Parts | Ensures repairs use factory parts instead of aftermarket parts | Maintains vehicle value and warranty compliance |
Roadside Assistance | Towing, jump starts, lockout service, flat tire assistance | 24/7 availability with (855) 238-3167 |
Rental Car Coverage | Transportation while your vehicle is being repaired | Available as add-on coverage |
Glass Coverage | Windshield and window repair/replacement | Dedicated glass claim line: (877) 210-8573 |
New Car Replacement | Replaces totaled vehicle with new model (not available through website details) | Typically for vehicles under 2-3 years old |
Other Co-Operative Insurance Insurance Coverage Options to Consider
Here are other insurance types you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
Directly Offered by Co-operative Companies | Auto Insurance, Homeowners Insurance, Farm Insurance, Commercial Auto Insurance, Mobile Home Insurance, Dwelling Property Insurance, Umbrella Insurance, Mini-Farm Insurance |
Offered by a Third-Party Partner | Life Insurance, Travel Insurance, Identity Theft Protection, Pet Insurance, Motorcycle Insurance, RV/Trailer Insurance, Boat Insurance, Renters Insurance |
Co-Operative Insurance Auto Insurance Review: Bottom Line
Co-operative ranks well in affordability, customer experience and coverage, earning third place for both full and minimum coverage. But we recommend you compare insurers and decide on coverage needs before buying to get the best deal.
Co-Operative Insurance Car Insurance Reviews: FAQ
Below are MoneyGeek's expert answers to frequently asked questions about Co-operative car insurance:
Does Co-operative insurance have a good reputation?
Yes, Co-operative is a legitimate car insurance company that ranks second in our comprehensive car insurance provider rankings. It excels in affordability.
Where is Co-operative the best car insurance company?
Co-operative ranks as the best car insurance provider in Vermont.
How much does Co-operative car insurance cost on average?
Co-operative charges adults an average of $234 annually for minimum coverage and $750 for full coverage. Annual premiums range from $205 to $1,382 for minimum and $657 to $4,232 for full coverage.
Is Co-operative known for denying claims?
Customer feedback suggests Co-operative faces criticism for claim denials, with policyholders reporting rejected flood damage claims and lengthy approval processes.
Is Co-operative a good option for high-risk drivers?
Yes, Co-operative offers excellent value for most high-risk drivers. The company ranks first overall for drivers with a DUI, drivers with bad credit, drivers with an accident and drivers with a speeding ticket.
Does Co-operative raise car insurance rates over time?
Yes, Co-operative raises rates over time due to inflation impacting repair costs, increased claims from distracted driving and severe weather, plus evolving risk assessments and regulatory changes.
Is Co-operative good for young drivers?
Yes, Co-operative works well for young drivers, ranking third for overall affordability with competitive rates that beat the market average.
How We Rated Co-Operative Insurance Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.