Updated: December 29, 2025
Advertising & Editorial Disclosure
IMT ranks 14th for full coverage affordability and 13th for minimum liability coverage, with monthly rates of $110 and $44.
The company ranks 13th nationally for customer satisfaction, with performance that's solid but doesn't stand out based on agent service and forum reviews.
IMT is the fourth-best option for coverage variety, providing specialized options like farm and agricultural vehicle coverage plus classic car protection.
IMT ranks seventh nationally among the top car insurance providers. The company excels in coverage options and customer service experience.
This study is based on a 40-year-old male driver with good credit and no driving violations. The best insurer for you will depend on your profile and coverage needs.
| Overall Score | 4.55 | 7 |
| Customer Experience | 4.45 | 13 |
| Coverage | 4.41 | 4 |
| Affordability | 4.63 | 9 |
IMT works best for drivers with bad credit, low income, a DUI and newer cars seeking affordable coverage. Senior drivers and those with an accident should look elsewhere for better rates.
Compare how IMT stacks up for your profile:
| Overall Score | 4.29 | 14 |
IMT monthly premiums range from $39 to $1,099, depending on your profile and coverage needs. We analyzed auto insurance pricing across age groups, gender, coverage levels, credit scores and driving records to show what affects your rate.
| $259 | $3,112 | -6% | 21 |
IMT ranks among the cheapest auto insurance providers for low-income drivers. Drivers with accidents pay more, and senior drivers see slightly higher rates.
Adult and young drivers with newer cars often find IMT cheaper than the regional average. Drivers with speeding tickets or DUIs face higher costs.
Review how affordable IMT is for your driving category:
| Adult Drivers | $36 | $96 | -22% | 9 |
| Drivers With A DUI | $62 | $170 | -27% | 6 |
| Drivers With An Accident | $78 | $193 | 13% | 23 |
| Drivers With A Speeding Ticket | $50 | $132 | -12% | 14 |
| Drivers With Bad Credit | $53 | $131 | -47% | 5 |
| Drivers With Low Income | $38 | $102 | -35% | 3 |
| Drivers With Newer Cars | $52 | $139 | -16% | 11 |
| Drivers With Old Cars | $31 | $82 | -24% | 10 |
| Senior Drivers | $74 | $141 | 2% | 21 |
| Young Drivers | $106 | $198 | -20% | 12 |
*All profiles are modified based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers represent ages 25 and under, adults 26 to 64, and seniors 65 and older. Older vehicles change the vehicle age to 2007, and newer vehicles change it to 2025.
IMT 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 | Variable | Bundle auto with home or other policies | IA, IL, MN, NE, SD, WI |
Multi-Car | Variable | Insure multiple vehicles on same policy | IA, IL, MN, NE, SD, WI |
Good Student | Variable | Student with qualifying grades | IA, IL, MN, NE, SD, WI |
Driver At-Fault Free | Variable | No at-fault accidents on driving record | IA, IL, MN, NE, SD, WI |
Driver Conviction Free | Variable | No traffic violations or convictions | IA, IL, MN, NE, SD, WI |
Accident Prevention | Variable | Completion of defensive driving course | IA, IL, MN, NE, SD, WI |
Customer Loyalty | Variable | Long-term customer with IMT | IA, IL, MN, NE, SD, WI |
Financial Stability | Variable | Demonstration of financial responsibility | IA, IL, MN, NE, SD, WI |
Paid in Full | Variable | Pay policy premium annually in full | IA, IL, MN, NE, SD, WI |
Tenured Driver | Variable | Experienced driver with years of driving history | IA, IL, MN, NE, SD, WI |
IMT ranked 13th in customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer reviews from the company's site and online forums show mixed feedback across service areas.
Policyholders praise the company's knowledgeable agents and personalized service. The insurer's digital platform earns positive mentions for its user-friendly interface and policy management features.
Claims handling generates more complaints than other areas. Some customers cite processing delays and communication issues during claims. We analyzed the buying, policy management and claims experiences based on our research.
The buying process receives positive feedback, with customers appreciating the independent agent model's personalized service. Working with independent agents makes the process smoother and more tailored to individual needs.
IMT's longstanding history since 1884 and strong financial ratings provide confidence during the purchasing process, though availability is limited to only six Midwest states, which restricts access for many potential customers.
Policyholders say it's easy to manage coverage through IMT's Worry Free app, which handles payments, claims and ID cards in one place. The company earns high marks for quick customer service, promising a response within one business day.
However, some long-term customers report feeling that the company lacks loyalty, with one reviewer stating that after many years of coverage, "they have no loyalty to customers, all about money."
Customer experiences with IMT's claims process vary. Some say adjusters responded the next day and guided them through with steady communication.
Others share frustrations about low rental car allowances, with one reporting $27 a day when rentals cost at least $31, and disputes over denied claims, including hail damage that multiple assessors documented but the company declined to cover.
IMT ranks well for financial strength from AM Best. J.D. Power, S&P, Moody's and NAIC ratings aren't publicly available for IMT.
AM Best Financial Strength | A- | A++ to D- | Strong ability to meet financial obligations, recently downgraded |
AM Best Long-Term Credit Standing | a- | aaa to d | Strong credit quality |
Reddit users and forum members appreciate IMT's long-standing history, independent agent relationships and commitment to regional markets. Drivers value the company's "Be Worry Free" approach and personalized service through local agents.
Common complaints include limited coverage availability outside the six-state region, recent financial downgrades and mobile app functionality issues. Customers report frustration with claim disputes and inadequate rental car allowances for third-party claims.
Real customer experiences on forums:
Customers report competitive rates for a regional insurer. Some express concerns about long-term value after years of loyalty:
"IMT offers personal and commercial insurance products to help protect your family, home and business. We strive to offer great insurance products and exceptional service for a competitive price."
"We have had this company insuring our cars and homes for 10 years. They have no loyalty to customers; it's all about money."
Most customers have positive experiences with quick response times and dedicated adjusters, though some report disputes over coverage decisions:
"You don't think you will ever need to file a claim for being robbed but it happens. IMT was on the ball and had an adjuster out to us the next day. She guided us through the process and took care of all the filings that were needed."
"Terrible company to deal with, please research before you sign up anything with them. I had 3 different assessors who documented damage to my roof, but alas, the company I have paid thousands and thousands of dollars to for many many years did not come through."
Agent service through independent channels receives generally positive feedback, with IMT promising quick response times:
“IMT promises to call customers within one business day of receiving a claim. IMT provides 24/7 claims reporting via phone and also allows customers to contact them via fax, snail mail, or through the official website.”
IMT's mobile app and digital tools receive criticism for functionality issues, particularly with bill payment and claim submission features:
"I can't even pay my bill with this app because the interface does not work. The payment review screen pops up and blocks the user from being able to accept the terms and conditions to make a payment."
"I go thru the process of trying to file a claim: When filing a claim and going thru the submitted process it does not let you actually submit the claim. Says 'internet connection cannot be found'. This is false and untrue."
As a 141-year-old mutual company, IMT traditionally had strong financial ratings. Recent downgrades have raised concerns about stability:
"Founded in 1884, IMT has been offering coverage for more than 130 years. Thanks to its extensive history and work with independent insurance agents, IMT has earned a reputation over time as a stable and reliable insurance company."
"AM Best has downgraded the Financial Strength Rating to A-(Excellent) from A (Excellent) and the Long-Term Issuer Credit Ratings... Concurrently, these Credit Ratings have been placed under review with negative implications."
People appreciate the variety of personal and commercial insurance options, but note the limited geographic availability as a huge drawback:
"IMT offers personal and business products, including auto insurance, commercial property insurance, personal and commercial umbrella insurance, and more. Its products are sold exclusively through independent insurance agents."
"IMT cons: Coverage not available nationwide. To find insurance in your state, use our national insurance company directory to find the best company to meet your needs."
Negative reviews appear more frequently on forums and don't reflect overall service quality. Get a complete picture by checking user reviews alongside industry resources: J.D. Power ratings, independent agent feedback, National Association of Insurance Commissioners (NAIC) complaint data and Insurance Information Institute reports.
IMT provides standard coverage options like other top insurers, including liability, comprehensive and collision protection. The company also offers additional add-ons such as:
New Car Replacement | Replaces totaled vehicle with current model year same make/model | Available for vehicles up to one year old with less than 15,000 miles |
Identity Recovery Coverage | Identity theft insurance with restoration services | $15,000 coverage plus services to restore credit history and identity records; automatically included free |
Rental Car Coverage | Enhanced rental car reimbursement | Standard $20-$30 per day up to 30 days; waives deductible and covers full "loss of use" |
Towing and Labor Coverage | Emergency roadside assistance services | Covers mechanical breakdown, dead battery, flat tire, lockout, running out of gas |
Auto Loan/Lease Coverage | Gap coverage for total loss situations | Pays difference between vehicle value and remaining loan/lease balance |
Lock and Key Replacement | Replacement of stolen keys and locks | Up to $250 for lock/key replacement if stolen; up to $100 for lockout service |
Travel Expense Coverage | Reimbursement for travel expenses during breakdown | Up to $600 for meals, lodging, transportation when disabled 100+ miles from home for 24+ hours |
Here are other insurance types you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
IMT (Direct) | Auto, home, renters, condo, landlord/dwelling, business, umbrella, farm liability, motorcycle, snowmobile, ATV, RV, surety/fidelity bonds |
Third-Party Partner | No specific third-party partnerships identified; operates primarily through independent agents for direct products |
IMT excels in affordability, customer experience and coverage, making it a strong car insurance option. It ranks 14th for full coverage and 13th for minimum coverage. Compare quotes from multiple providers, do your research and review your coverage needs before buying.
MoneyGeek's expert answers to common questions about IMT car insurance:
Yes, IMT is a legitimate car insurance company that ranks seventh in our comprehensive car insurance provider rankings. The insurer excels in coverage options, ranking fourth among providers we evaluated.
IMT isn't a top option in any state where it operates.
IMT charges adults an average of $599 annually for state minimum coverage and $1,367 for full coverage. Annual premiums range from $466 to $5,483 for minimum and $1,118 to $6,848 for full coverage.
Some policyholders have criticized IMT for denying claims, particularly for weather damage and accidents. Others mention long review times and disagreements over coverage, although broad industry data on this issue is limited.
Note: This represents limited information based primarily on forum reviews.
IMT offers strong value for drivers with bad credit and DUI convictions, ranking fifth and sixth for affordability among high-risk driver categories.
Yes, IMT rates increase over time due to inflation impacting repair costs, rising claim frequencies from distracted driving and severe weather, and evolving risk factors in your area
No, IMT isn't ideal for young drivers, ranking 12th for overall affordability with rates averaging $198 monthly for full coverage.
Choosing a regional insurer means weighing personalized service against limited availability. We designed our rating system to help drivers in IMT's six-state coverage area decide whether the company's local agent network and specialized offerings justify potentially higher premiums compared to national competitors.
Rate Data Collection
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code. This comprehensive dataset reveals how IMT's pricing stacks up against both regional carriers and national brands across different driver profiles.
Our Standard Driver Profile
We used a baseline driver profile for consistent rate comparisons:
We modified specific variables (age, driving record, credit score and military status) to determine which insurers offer the best rates for different driver categories. This approach matters because regional insurers like IMT often price differently than national carriers for high-risk drivers, young drivers or customers with credit challenges.
Coverage Definitions
Minimum coverage rates represent policies meeting state-required minimums. Requirements vary by state and usually include liability coverage plus any mandatory protections such as personal injury protection or uninsured motorist coverage.
Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles. This combination protects you financially whether you cause an accident or your vehicle suffers damage from theft, weather or collisions.
Our Three-Factor Rating System
Cost (60%): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors. Cost matters most because it determines whether you can maintain coverage long-term.
Customer satisfaction (30%): We analyzed customer feedback from Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit to assess overall service quality and customer experience. Regional insurers often compete on service rather than price, making satisfaction scores particularly important for IMT evaluation.
Coverage variety (10%): We evaluated each provider's coverage options, considering the breadth of available policies and unique benefits or features. IMT's specialized offerings for farms, recreational vehicles and unique property types can provide value that standard coverage comparisons miss.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
