Updated: September 26, 2025
Advertising & Editorial Disclosure
MMG Insurance ranks second for full coverage affordability and fourth for minimum liability coverage with average rates of $71 and $34 monthly, respectively.
MMG Insurance earns third place nationwide for overall customer satisfaction due to strong agent service and positive forum reviews from policyholders.
MMG Insurance ranks 12th for coverage options, offering specialized features like agricultural vehicle coverage and seasonal policy adjustments for rural drivers.
MMG Insurance ranks first overall nationally, making it the top car insurance company in the nation. The provider excels particularly in affordability and overall performance, offering competitive rates with core coverage options, though not as broad as some competitors.
This only represents a 40-year-old male driver with good credit and no driving violations and the company's ranking for you will depend on your profile and coverage needs.
| Overall Score | 4.65 | 1 |
| Customer Experience | 4.67 | 3 |
| Coverage | 2.50 | 12 |
| Affordability | 5.00 | 1 |
MMG Insurance excels for drivers with a DUI, bad credit, accidents or young drivers seeking cheap rates. It offers strong affordability across all driver types with substantial savings. Still, it's a regional provider, so availability is limited geographically and coverage options may be more basic than national insurers.
This section shows how MMG Insurance compares across different profiles.
| Overall Score | 4.58 | 4 |
MMG Insurance monthly premiums vary widely based on your profile, ranging from $27 to $684. To help you make the best decision, we've broken down national car insurance costs by age group, gender, coverage, credit score and driving record.
| $134 | $1,611 | -51% | 2 |
MMG Insurance ranks among the lowest cost car insurance companies for all driver categories, including those with accidents, DUIs and bad credit. The company consistently offers affordable rates across age groups and vehicle types.
You can review how affordable MMG Insurance is for your specific driving category in this section.
| Adult Drivers | $29 | $61 | -47% | 1 |
| Drivers With A DUI | $48 | $101 | -53% | 2 |
| Drivers With An Accident | $39 | $81 | -50% | 2 |
| Drivers With A Speeding Ticket | $39 | $82 | -41% | 3 |
| Drivers With Bad Credit | $62 | $121 | -47% | 4 |
| Drivers With Low Income | $37 | $77 | -47% | 2 |
| Drivers With Newer Cars | $47 | $99 | -36% | 2 |
| Drivers With Old Cars | $25 | $52 | -48% | 1 |
| Senior Drivers | $43 | $80 | -41% | 3 |
| Young Drivers | $82 | $148 | -40% | 3 |
*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.
MMG Insurance offers nine car insurance discounts, with savings depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Policy/Bundle | Variable | Combining auto insurance with other MMG policies (home, business) | Available in all operating states |
Multi-Car | Variable | Insuring more than one vehicle with MMG | Available in all operating states |
Safe Driver | Variable | Maintaining a clean driving record with no accidents or violations | Available in all operating states |
Good Student | Variable | Full-time student maintaining good grades in school | Available in all operating states |
Mature Driver | Variable | Older drivers who meet age requirements | Available in all operating states |
Low Mileage | Variable | Drivers who do not drive their vehicles frequently | Available in all operating states |
Homeowner | Variable | Customers who own their own homes | Available in all operating states |
Paid-in-Full | Variable | Paying insurance premiums in full upfront | Available in all operating states |
Safety Features | Variable | Vehicles equipped with anti-theft devices, airbags, or other safety features | Available in all operating states |
MMG Insurance earned third place for customer experience in MoneyGeek's comprehensive customer experience study. Customer feedback reveals the company excels in agent service and digital experience, with policyholders frequently praising responsive support and user-friendly online tools.
At the same time, claims handling generates more complaints than other areas, with customers citing slower processing times and communication issues during the claims process. Below, we break down the buying, policy management and claims process experiences based on our research.
Customers appreciate the comprehensive quote process and competitive rates, especially with multi-policy bundling discounts through their "Portfolio" concept. The regional focus allows for tailored coverage solutions, though availability is limited to Maine, New Hampshire, Vermont, Pennsylvania, and Virginia.
MMG offers the MyMMG online platform providing 24/7 access to policy documents, billing information, and payment options with flexible billing choices including EFT, multiple payment plans, and electronic statements.
Account access is available online at any time, and customers can also reach support by phone on weekdays from 8 a.m. to 4:30 p.m. EST. Still, some long-term customers report issues with cancellation procedures and billing disputes that require extensive follow-up.
MMG receives highly positive feedback for claims handling, with customers consistently praising the speed, professionalism, and thoroughness of adjusters.
Many highlight 24/7 claims reporting availability and immediate response for severe losses, with adjusters described as "warm, personable, and professional." However, some customers report slower claims processing compared to larger insurers and occasional issues with property inspections leading to coverage disputes or policy cancellations.
MMG 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. Here are MMG Insurance's scores from industry agencies.
AM Best Financial Strength | A (Excellent) | A++ to D- | Excellent ability to meet ongoing insurance obligations |
AM Best Long-Term Credit Standing | a- | aaa to d | Good credit quality with adequate ability to repay debt |
S&P Global Financial Strength | NR (Not Rated) | AAA to D | No S&P Global rating available for this regional insurer |
Moody's Financial Strength | NR (Not Rated) | Aaa to C | No Moody's rating available for this regional insurer |
J.D. Power Auto Claims Satisfaction | NR (Not Rated) | 1,000-point scale | Not included in J.D. Power national studies (regional insurer) |
J.D. Power Digital Service Experience | NR (Not Rated) | 1,000-point scale | Not included in J.D. Power national studies (regional insurer) |
J.D. Power Auto Insurance Shopping Study | Award (2020) | Out of 1,000 | Received J.D. Power award for customer satisfaction in New England region (2020) |
J.D. Power Overall Customer Satisfaction | Award (2020) | Out of 1,000 | Recognized for exceptional customer service in New England region |
NAIC Auto Complaints | Above Average* | 1.00 is average | More complaints than expected (below average performance) |
Reddit users and forum members have polarized experiences with MMG Insurance, with feedback split between customers praising excellent claims service and personalized local support, versus those reporting age discrimination, aggressive inspections, and sudden policy cancellations.
The regional insurer receives praise for responsive claims handling but faces criticism for what some perceive as systematic targeting of older customers.
Common complaints include MMG Insurance sending hostile inspectors to find excuses for policy cancellation, particularly targeting customers over 65, and making unreasonable demands like removing longtime pet ducks with no explanation. Many customers appreciate their local independent agents but report problems when dealing directly with MMG corporate.
Here's what real customers are saying about their experiences on forums:
General thoughts on pricing show MMG offers competitive rates initially, but long-term customers report huge increases and value concerns when policy issues arise:
"We have been using MMG for our home and auto insurance. We also received a small discount after bundling a policy. We have had no claims, so I cannot judge how that would go, but in talking to the staff over the years, I believe there would be no issues."
"The rates have gone up quite a bit over the many years that we have been their customers, but they are in keeping with industry norms."
Feedback on claims is mixed. Some policyholders highlight quick, professional service, while others mention delays and unclear communication:
"We had one large claim, when the city sewer backed up into the house. There was no hassle and an agent came out within twenty-four hours. Payment was timely and service was courteous."
"I cannot thank the company enough for the professionalism, compassion, and the immense timeliness displayed, time and time again as we went through 'the process' with MMG. We now fully know that when we really need insurance at times like this, your company, and its excellent representatives, are there!"
Customer service experiences depend heavily on whether customers work with local independent agents versus dealing with MMG directly:
"We have always been able to reach them quickly and easily on the phone. They have always been easy to understand, knowledgeable and helpful. I would recommend them to my friends and family."
"I love the idea of working with a smaller more local insurance provider, but this one just stinks. My parents have had insurance for decades with the same small local company and never ever made a claim."
MMG's digital tools receive moderate praise for functionality, though customers report the company emphasizes traditional agent-based service over digital innovation:
MMG Insurance Company's mobile app is designed to provide policyholders with convenient access to their insurance information and services, allowing users to manage policies, file claims, and access important resources on the go.
"I just registered to access my account online... After quickly registering at MMG's online site I printed off a current copy of the necessary ID card and got back in the car for more parallel parking practice. This was really slick."
MMG maintains strong financial ratings but faces serious customer trust issues related to perceived age discrimination and aggressive inspection practices:
"MMG is so duplicitous. I had car and house insurance through them for 8-9 years. I never made any claims, but I did turn 65. This year, they canceled my auto insurance for non-payment, although I had made my payment at their office seven days before the due date."
"I will turn 68 next month, and it seems MMG does not want to insure anyone over 65. This insurance company is absolutely shameful and one of the biggest scams I've ever seen."
MMG offers comprehensive coverage options through their regional network, but customers report unreasonable policy requirements and sudden coverage changes:
"An inspector was sent out to one property in April this year and end of July we got a letter that all the buildings need to be re-roofed before November. Also all the ducks need to be removed from the premises. No reason why the pet ducks Ive had for nearly a decade should be removed just that it will be done and this paper signed and returned."
"The inspector claimed my shingles were in bad shape, despite not having a ladder or inspecting my roof. I was cited for having too many tall trees in my yard, which if applied universally, would likely disqualify 95% of their customers from receiving homeowners' insurance."
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.
MMG Insurance provides standard coverages like other top insurers, including liability, comprehensive and collision protection. The company also offers these additional add-ons:
Roadside Assistance | Provides help if stranded due to breakdown including towing, jump-starts, flat tire service | 24/7 emergency roadside service available |
Loan/Lease Gap Coverage | Covers the difference between actual cash value and unpaid loan/lease balance if vehicle is totaled | Essential for financed or leased vehicles |
Driver Advantage Program | Additional boost to standard auto policy with enhanced benefits | Can potentially save hundreds of dollars annually |
Auto Glass Coverage | Specialized coverage for windshield and auto glass repair/replacement | Dedicated glass service line: 1-877-MMGLASS (664-5277) |
Custom Equipment Coverage | Covers pickup caps, plows, and customized equipment when specifically endorsed | Standard caps and plows included; custom furnishings require endorsement |
Canadian Coverage Extension | Extends your auto policy coverage to Canada with proper documentation | Canadian Insurance Card may be required for travel |
Here are other insurance options you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
MMG Insurance (Directly Offered) | Auto insurance (personal and commercial), homeowners insurance, renters insurance, condominium insurance, mobile home insurance, business insurance, boat/watercraft insurance |
Third-Party Partner | None advertised |
MMG Insurance excels in Affordability, Customer Experience and Coverage, earning the first spot for full coverage and 6th for minimum coverage overall. However, we recommend you compare insurance quotes, do your own research and decide on coverage needs before buying to get the best deal.
Here are MoneyGeek's expert answers to frequently asked questions about MMG Insurance car insurance:
Yes, MMG Insurance is a legitimate car insurance provider that secured our top overall ranking in our comprehensive car insurance study. The company particularly excels in affordability, offering some of the most competitive rates available.
MMG is in the top five for both states it operates in for car insurance.
MMG Insurance costs $397 annually for minimum coverage and $824 for full coverage on average. Annual premiums range from $320 to $3,986 for minimum and $644 to $6,768 for full coverage.
MMG Insurance gets mixed reviews on claims. Some customers report delays and disputes, but there isn’t enough data to show a consistent pattern of denied claims compared to the industry.
Note: This represents limited information based primarily on forum reviews.
MMG Insurance offers excellent value for drivers with a DUI, accident history, or speeding tickets, ranking 2nd-3rd overall for affordability among these high-risk categories.
Yes, MMG Insurance raises rates over time due to inflation impacting repair and medical costs, plus increased claims from distracted driving and severe weather. Rate adjustments also reflect updated risk assessments, regulatory changes, and individual factors like credit score shifts.
For young drivers, MMG ranks third for overall affordability, making it a solid option for this age group.
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:
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:
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.
