IMT ranks seventh nationally, placing it among the top car insurance providers in the country. The company excels particularly in its coverage options and customer service experience. This represents a 40-year-old male driver with good credit and no driving violations. The company's ranking for you will depend on your profile and coverage needs.
IMT Car Insurance Review
Updated: October 31, 2025
Advertising & Editorial Disclosure
Key Takeaways
IMT earns 14th place for full coverage affordability and 13th for minimum liability coverage with monthly rates of $110 and $44, respectively.
The company ranks 13th nationally for customer satisfaction, with performance that's solid but doesn't particularly 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 Car Insurance Ratings
| Overall Score | 4.56 | 7 |
| Customer Experience | 4.45 | 13 |
| Coverage | 4.42 | 4 |
| Affordability | 4.63 | 9 |
Who Is IMT Car Insurance Best and Worst For?
IMT works best for drivers with bad credit, low income, a DUI and newer cars seeking affordable coverage. However, senior drivers and those with an accident should look elsewhere for better rates.
Below, you can compare how IMT stacks up for your unique profile.
Data filtered by:
Adult Drivers
Female
100/300/100,000 - 1000 comp_coll
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.29 | 14 |
How Much Does IMT Car Insurance Cost?
IMT monthly premiums range from $39 to $1,099, depending on your individual profile and coverage needs. We've analyzed auto insurance pricing across age groups, gender, coverage levels, credit scores and driving records to help you understand what affects your rate.
Data filtered by:
Adult Drivers
Female
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
100/300/100,000 - 1000 comp_coll
| $259 | $3,112 | -6% | 21 |
IMT Car Insurance Rates by Driver Category
IMT ranks among the cheapest auto insurance providers for drivers with low income. However, drivers with accidents may pay more, while senior drivers could see slightly higher rates.
Adult and young drivers, as well as those with newer cars, often find IMT cheaper than the regional average. Drivers with speeding tickets or DUIs may also face increased costs.
Below you can 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 Car Insurance Discounts
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 | Available in IA, IL, MN, NE, SD, WI |
Multi-Car | Variable | Insure multiple vehicles on same policy | Available in IA, IL, MN, NE, SD, WI |
Good Student | Variable | Student with qualifying grades | Available in IA, IL, MN, NE, SD, WI |
Driver At-Fault Free | Variable | No at-fault accidents on driving record | Available in IA, IL, MN, NE, SD, WI |
Driver Conviction Free | Variable | No traffic violations or convictions | Available in IA, IL, MN, NE, SD, WI |
Accident Prevention | Variable | Completion of defensive driving course | Available in IA, IL, MN, NE, SD, WI |
Customer Loyalty | Variable | Long-term customer with IMT | Available in IA, IL, MN, NE, SD, WI |
Financial Stability | Variable | Demonstration of financial responsibility | Available in IA, IL, MN, NE, SD, WI |
Paid in Full | Variable | Pay policy premium annually in full | Available in IA, IL, MN, NE, SD, WI |
Tenured Driver | Variable | Experienced driver with years of driving history | Available in IA, IL, MN, NE, SD, WI |
IMT Car Insurance Customer Reviews and Reputation
IMT ranked 13th in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer reviews from the company's site and online forums reveal mixed feedback across service areas.
Policyholders frequently praise the company's knowledgeable agents and personalized service approach. The insurer's digital platform also receives positive mentions for its user-friendly interface and policy management features.
However, claims handling generates more complaints than other areas, with some customers citing delays in processing and communication issues during the claims process. Below, we break down the buying, policy management and claims process experiences based on our research.
Buying Process Experience
The buying process receives generally positive feedback, with customers appreciating the independent agent model that provides personalized service. Customers note that working with independent agents makes the process smoother and more tailored to their 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.
Policy Management
Many policyholders say it’s easy to manage their coverage through IMT’s “Worry Free” app, which lets them handle payments, claims, and ID cards in one place. The company also 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."
Claims Experience
Customer experiences with IMT’s claims process vary widely. Some say adjusters responded as quickly as the next day and guided them through the process 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 Car Insurance Industry Customer Satisfaction Ratings
IMT 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. Here are IMT's scores from industry agencies.
AM Best Financial Strength | A- | A++ to D- | Excellent ability to meet financial obligations but recently downgraded |
AM Best Long-Term Credit Standing | a- | aaa to d | Excellent credit quality |
S&P Global Financial Strength | Not Available | AAA to D | Information not publicly available |
Moody's Financial Strength | Not Available | Aaa to C | Information not publicly available |
J.D. Power Auto Claims Satisfaction | Not Rated | 1,000-point scale | IMT is not included in J.D. Power studies |
J.D. Power Digital Service Experience | Not Rated | 1,000-point scale | IMT is not included in J.D. Power studies |
J.D. Power Auto Insurance Shopping Study | Not Rated | Out of 1,000 | IMT is not included in J.D. Power studies |
J.D. Power Overall Customer Satisfaction | Not Rated | Out of 1,000 | IMT is not included in J.D. Power studies |
NAIC Auto Complaints | Not Available | 1.00 is average | Specific complaint index not publicly disclosed |
IMT Car Insurance Reddit and Forum Customer Satisfaction
Reddit users and forum members appreciate IMT's long-standing history, independent agent relationships and commitment to regional markets. Many 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.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
General thoughts on pricing show competitive rates for a regional insurer, but customers 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 are cars and homes for 10yrs. The have no loyalty to customers all about money."
Claims Processing
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."
Customer Service
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.”
Digital Experience
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."
Trust and Reputation
As a 140-year-old mutual company, IMT traditionally had strong financial ratings, but 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."
Coverage Options
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."
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.
IMT Car Insurance Coverage Options
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 |
Other IMT Coverage Options to Consider
Here are other insurance types you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
IMT (Directly Offered) | 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 Auto Insurance Review: Bottom Line
IMT excels in affordability, customer experience and coverage, making it a strong car insurance option. It ranks ninth for full coverage and 12th for minimum coverage. Compare quotes from multiple providers, conduct your research, and decide on your coverage needs before making a purchase.
IMT Car Insurance Reviews: FAQ
Below are MoneyGeek's expert answers to frequently asked questions about IMT car insurance:
Does IMT have a good reputation?
Yes, IMT is a legitimate car insurance company that secures seventh place in our comprehensive car insurance provider rankings. The insurer particularly excels in coverage options, ranking fourth among all providers we evaluated.
Where is IMT the best car insurance company?
IMT isn't a top option in either state where it operates.
How much does IMT car insurance cost on average?
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.
Is IMT known for denying claims?
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.
Is IMT a good option for high-risk drivers?
IMT offers excellent value for drivers with bad credit and DUI convictions, ranking 5th and 6th overall for affordability among high-risk driver categories.
Does IMT raise car insurance rates over time?
Yes, IMT rates increase over time due to inflation impacting repair costs, rising claim frequencies from distracted driving and severe weather, plus evolving risk factors in your area.
Is IMT good for young drivers?
No, IMT isn't ideal for young drivers, ranking 12th for overall affordability with rates averaging $198 monthly for full coverage.
How We Rated IMT 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.