Cumberland Mutual ranks 19th overall nationally, placing it outside the top tier of best car insurance companies. It performs strongest in coverage options and customer experience, earning 10th and eighth place rankings, respectively.
Cumberland Mutual Car Insurance Review
Updated: September 22, 2025
Advertising & Editorial Disclosure
Key Takeaways
Cumberland Mutual ranks 16th for full coverage affordability and 16th for minimum liability coverage with average rates of $126 and $65 monthly respectively.
Cumberland Mutual ranks eighth nationwide for overall customer satisfaction due to their strong agent service and positive forum reviews from policyholders.
Cumberland Mutual earns the 10th best spot for coverage options, offering unique features like accident forgiveness and new car replacement coverage.
Cumberland Mutual Car Insurance Ratings
| Overall Score | 3.71 | 19 |
| Customer Experience | 4.57 | 8 |
| Coverage | 2.85 | 10 |
| Affordability | 3.42 | 18 |
Who Is Cumberland Mutual Car Insurance Best and Worst For?
Cumberland Mutual works best for adult drivers, senior drivers, drivers with a DUI and drivers with older cars, offering competitive rates and solid coverage options. But young drivers and drivers with newer cars should consider other insurers for better value.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 3.99 | 12 |
Cumberland Mutual Car Insurance Ratings by State
Cumberland Mutual doesn't rank within the top five insurance companies in any of the 50 states and territories we analyzed. The company doesn't hold the number one position in any state based on our research methodology.
| Maryland | 4.02 | 6 |
*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 Cumberland Mutual Car Insurance Cost?
Cumberland Mutual car insurance costs vary widely based on your profile, ranging from $54 to $807 monthly. We analyzed national costs by age group, gender, coverage type, credit score and driving record to help you understand what you might pay.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
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Coverage Level:100/300/100,000 - 1000 comp_coll
| $185 | $2,214 | -1% | 10 |
Cumberland Mutual Car Insurance Rates by Driver Category
Cumberland Mutual ranks as expensive across all driver categories, including young drivers, seniors and those with accidents or tickets. Most drivers will find cheapest car insurance companies elsewhere. Below you can review Cumberland Mutual's affordability for your specific driving profile.
| Adult Drivers | $64 | $131 | 36% | 16 |
| Drivers With a DUI | $88 | $180 | -25% | 7 |
| Drivers With an Accident | $74 | $152 | 23% | 17 |
| Drivers With a Speeding Ticket | $68 | $145 | 21% | 16 |
| Drivers With Bad Credit | $102 | $198 | 7% | 10 |
| Drivers With Low Income | $71 | $137 | 17% | 11 |
| Drivers With Newer Cars | $78 | $160 | 22% | 15 |
| Drivers With Old Cars | $58 | $119 | 42% | 19 |
| Senior Drivers | $59 | $112 | 6% | 12 |
| Young Drivers | $169 | $321 | 60% | 19 |
*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.
Cumberland Mutual Car Insurance Rates by State
Cumberland Mutual's monthly rates range from $64 to $131 across different states. The company ranks among the top five most affordable insurers in just 1 out of 50 states and territories. Below you can review Cumberland Mutual's affordability and pricing for your area.
| Maryland | $64 | $131 | -18% | 5 |
*Rates are based on a 40-year-old male driver with good credit, no driving violations and a 2012 Toyota Camry.
Cumberland Mutual Car Insurance Discounts
Cumberland Mutual 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:
Multi-Policy/Bundle | Variable | Must have 2+ policies with Cumberland Mutual | Available in PA and MD |
Anti-Theft Devices | Variable | Qualifying anti-theft devices installed | Available in PA and MD |
Anti-Lock Brakes | Variable | Vehicle equipped with anti-lock braking system | Available in PA and MD |
Active/Passive Restraints | Variable | Airbags, automatic seatbelts or similar safety features | Available in PA and MD |
First Accident Forgiveness | Variable | Accident-free driving record at enrollment | Available in PA and MD |
Cumberland Mutual Car Insurance Customer Reviews and Reputation
Cumberland Mutual earned 8th place in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer feedback highlights the company's responsive agent service and user-friendly digital platform, though claims processing draws more complaints than other areas in online reviews. Below, we break down the buying, policy management and claims process experiences based on our research.
Buying Process Experience
Cumberland Mutual's regional focus means personalized service through local agents, but fewer digital options compared to national carriers. Customers appreciate the one-on-one attention during the quote process, with agents taking time to explain coverage options thoroughly.
But online quote tools are limited, and you'll likely need to call or visit an agent for accurate pricing. The company serves primarily Pennsylvania, New Jersey, and surrounding areas, so availability is restricted geographically.
Policy Management
Policy management happens primarily through local agents rather than digital platforms. While this means more personalized service and direct phone access to someone familiar with your account, it also means less convenience for simple tasks like updating your address or adding a vehicle.
Cumberland Mutual's website offers basic policy information, but most changes require contacting your agent during business hours. Customers who prefer face-to-face interactions and don't mind traditional processes tend to appreciate this approach.
Claims Experience
Cumberland Mutual's claims process emphasizes personal attention through regional adjusters and local agent involvement. Customers report feeling well-supported during the claims process, with adjusters who understand local conditions and repair networks. But the smaller company size means fewer resources for 24/7 claims reporting compared to major national insurers.
Claims are typically handled through your local agent or regional office, which can mean faster personal attention but potentially longer resolution times for complex claims requiring specialized expertise.
Cumberland Mutual Car Insurance Industry Customer Satisfaction Ratings
Cumberland Mutual performs well financially with over 50 years of AM Best "A" ratings and fewer consumer complaints than average, but lacks visibility in major customer satisfaction studies due to its smaller, regional focus.
Here are Cumberland Mutual's scores from industry agencies.
A.M. Best Financial Strength | A (Superior) | A++ to D | Superior ability to meet financial obligations and pay claims |
A.M. Best Long-Term Credit Standing | Not Available | aa+ to d | High credit quality |
S&P Global Financial Strength | Not Available | AAA to D | Strong financial security characteristics |
Moody's Financial Strength | Not Available | Aaa to C | Upper medium grade with low credit risk |
J.D. Power Digital Experience | Not Available | 1,000-point scale | Below average digital experience (3rd place) |
J.D. Power Auto Insurance Claims Satisfaction | Not Available | Out of 1,000 | Below average in all regions studied |
J.D. Power Auto Insurance Shopping Study | Not Available | Out of 1,000 | 9th out of 17 companies with a better than average purchase experience |
J.D. Power Overall Customer Satisfaction | Not Available | Out of 1,000 | Below average in all regions studied |
NAIC Auto Complaints | 0.54 | 1.00 is average | Slightly fewer complaints than expected |
Cumberland Mutual Car Insurance Reddit and Forum Customer Satisfaction
Cumberland Mutual customers praise the company's regional focus and personal service, particularly when it comes to claims handling and agent relationships. But the insurer has limited availability and occasional policy issues, with customers noting mixed experiences depending on their specific agents and claim circumstances.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
Initial reactions to Cumberland Mutual's pricing are generally positive for the regional coverage they provide:
"Cumberland gave me a decent rate when I first switched, but after doing more research, I realized there are cheaper options with better coverage through bigger companies - just wish I'd shopped around more."
Claims Processing
Claims processing receives mixed reviews, with variations based on the type of claim and assigned adjuster. Many customers report quick turnaround times for straightforward claims but this isn't the case for complex claims:
"Had a water leak in my basement and Cumberland's adjuster came out the next day. Got my check within a week - can't complain about the speed."
Customer Service
Customers praise Cumberland Mutual's local representatives' knowledge and availability but how good phone support is, varies:
"My agent knows my family personally and always returns calls the same day. You don't get that kind of service with the big national companies."
Digital Experience
Cumberland Mutual's digital offerings lag behind larger insurers, with limited online capabilities and basic mobile functionality:
"Their website is pretty basic; you can pay your bill and view your policy, but don't expect the bells and whistles you get with GEICO or State Farm's apps."
Trust and Reputation
As a regional mutual company with over 175 years of history, Cumberland Mutual generally maintains customer trust:
"They've been around forever in South Jersey, and my family's used them for decades. Sometimes I wonder if they'll still be here in 20 years like the big guys, but so far so good."
Coverage Options
It offers limited coverage customization options compared to larger insurers, though many appreciate the straightforward policy structures:
"Cumberland's policies are pretty basic - not a lot of add-ons or fancy options like some companies offer. Sometimes that's good because you know exactly what you're getting, but sometimes you want more choices."
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.
Cumberland Mutual Car Insurance Coverage Options
Cumberland Mutual provides standard coverages like other top insurers, including liability, comprehensive and collision protection. The company also offers additional add-ons such as:
Deductible Savings Bank | Reduces deductible by $50 per year for claim-free driving | Can accumulate deductible reductions of up to $500; resets after claim |
Pet Injury Coverage | What it covers isn't specified by Cumberland | Not available |
Custom Parts & Equipment (CPE) | What it covers isn't specified by Cumberland | Not available |
Roadside Assistance | Towing and labor coverage for roadside emergencies | Available as standard coverage option |
Rental Coverage | Rental coverage while your vehicle is being repaired | Covers rental car expenses during claim processing |
Gap Insurance | What it covers isn't specified by Cumberland | Not available |
New Car Replacement | Guaranteed replacement coverage on new vehicles for up to two years | Full replacement cost for vehicles under two years old |
Other Cumberland Mutual 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 Cumberland Mutual | Auto Insurance, Homeowners Insurance, Renters Insurance, Condo Insurance, Dwelling/Landlord Insurance, Personal Umbrella Insurance, Commercial Auto Insurance, Workers' Compensation Insurance, Commercial Property Insurance, General Liability Insurance, Businessowners Policy (BOP), Employment Practices Liability Insurance, Data Compromise Coverage, Equipment Breakdown Coverage, Artisan Contractors Insurance |
Offered by a Third Party Partner | Identity Theft Resolution Services |
Cumberland Mutual Auto Insurance Review: Bottom Line
Cumberland Mutual excels in affordability, customer experience and coverage, earning 18th place for full coverage and 19th for minimum coverage overall. We recommend you compare quotes and do your own research to find suitable coverage.
Cumberland Mutual Car Insurance Reviews: FAQ
Below are MoneyGeek's expert answers to frequently asked questions about Cumberland Mutual car insurance:
Does Cumberland Mutual insurance have a good reputation?
Yes, Cumberland Mutual is a legitimate car insurance company that secured 19th place in our comprehensive car insurance provider rankings. The insurer particularly excels in customer experience, where it earned an impressive 8th place ranking among all providers we evaluated.
Where is Cumberland Mutual the best car insurance company?
Cumberland Mutual performs competitively across several states in its coverage area, including Maryland. State-by-state rankings vary based on local market conditions and competition. The company tends to perform strongest in rural and suburban markets.
How much does Cumberland Mutual car insurance cost on average?
Cumberland Mutual charges adults an average of $755 annually for minimum coverage and $1,413 for full coverage. Annual rates span $642 to $4,670 for minimum and $1,073 to $8,398 for full coverage.
Is Cumberland Mutual known for denying claims?
It has faced criticism for claim denials, with some policyholders reporting disputes over coverage decisions and settlement amounts
Is Cumberland Mutual a good option for high-risk drivers?
Cumberland Mutual offers competitive rates for drivers with a DUI, ranking seventh overall for affordability among high-risk driver categories.
Does Cumberland Mutual raise car insurance rates over time?
Yes, Cumberland Mutual raises car insurance rates over time due to inflation, increased claims from distracted driving and severe weather, plus higher vehicle repair costs and technology expenses.
Is Cumberland Mutual good for young drivers?
No, Cumberland Mutual isn't a great choice for young drivers, ranking 19th for affordability with rates significantly higher than competitors.
How We Rated Cumberland Mutual 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.