Updated: October 6, 2025
Advertising & Editorial Disclosure
Union Mutual claims the top spot for both full coverage and minimum liability coverage affordability with average monthly rates of $52 and $16, respectively.
Union Mutual ranks seventh nationwide for customer satisfaction, maintaining solid performance through reliable agent service and positive forum reviews from policyholders.
Union Mutual earns 10th place for coverage options, providing specialized protection like accident forgiveness programs and roadside assistance with rental car reimbursement.
Union Mutual ranks third overall nationally, making it one of the best car insurance companies for most drivers. The company stands out particularly in affordability, where it earned the 2nd-place ranking among all providers we evaluated.
But 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 | 4.62 | 3 |
| Customer Experience | 4.62 | 7 |
| Coverage | 2.85 | 10 |
| Affordability | 4.91 | 2 |
Union Mutual works best for adult drivers, and those with an accident, speeding ticket or low income. The company isn't competitive for young drivers or those with a DUI.
| Overall Score | 4.63 | 1 |
Union Mutual car insurance costs vary widely, from $14 to $2,801 monthly based on your profile and coverage choices. We've analyzed national costs across age groups, gender, coverage levels, credit scores and driving records to help you find the best rates for your situation.
| $75 | $897 | -60% | 2 |
Union Mutual ranks among the cheapest car insurance providers for adult drivers, those with accidents, speeding tickets, credit issues and drivers with newer or older vehicles. Young drivers and those with DUIs will find rates much higher. Review how affordable Union Mutual is for your specific driving profile below.
| Adult Drivers | $17 | $58 | -47% | 2 |
| Drivers With a DUI | $65 | $234 | -16% | 12 |
| Drivers With an Accident | $17 | $58 | -59% | 1 |
| Drivers With a Speeding Ticket | $17 | $58 | -58% | 1 |
| Drivers With Bad Credit | $34 | $111 | -49% | 3 |
| Drivers With Low Income | $20 | $65 | -52% | 2 |
| Drivers With Newer Cars | $20 | $65 | -57% | 1 |
| Drivers With Old Cars | $15 | $49 | -49% | 2 |
| Senior Drivers | $30 | $98 | -21% | 8 |
| Young Drivers | $68 | $250 | 4% | 11 |
*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.
Union 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-Car Discount | Variable | Applied when more than one vehicle is insured on your policy | Available in all operating states |
Home and Auto Discount | Variable | Discount applied when both auto and home policies are written with Union Mutual Companies | Available in all operating states |
Good Student Credit | Variable | Available for full-time students under age 25 that meet certain academic criteria | Available in all operating states |
Driver Education Credit | Variable | Available for eligible youthful operators who have completed a Driver Education program | Available in all operating states |
Company Car Discount | Variable | Insured owner of one personal automobile eligible if a non-owned company car is provided on full-time basis | Available in all operating states |
Customer Loyalty Discount | Variable | Discount given at each policy renewal (renewal credit) | Available in all operating states |
Deductible Credits | Variable | Higher Collision and Comprehensive deductibles lower your premium (options up to $2,500 maximum) | Available in all operating states |
Union Mutual earned 7th place in customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer feedback reveals the company excels in agent service quality and responsiveness, while digital platform experiences receive mixed reviews. But claims processing generates the most customer complaints, with users frequently citing delays and communication issues during the claims journey. Below, we break down the buying, policy management and claims process experiences based on our research.
Customer feedback on the buying process is limited, with few specific reviews available about the initial purchase experience. Some customers have reported issues with agent communication, including
"After my agent failed to provide my policy documents before the renewal date, and sent the invoice for renewal prior to my ability to review the fine print." The company maintains an A.M. Best rating of "A" (Excellent) with a stable outlook.
Limited customer feedback is available about day-to-day buying experiences, though the company has received recognition as one of the "Best Places to Work in Vermont" for 12 consecutive years, suggesting positive internal operations.
Union Mutual's claims experience shows concerning patterns in the limited customer feedback available. The company promises to "address your loss quickly, efficiently, and most importantly fairly" and emphasizes providing "superior service, especially during the claims process."
But long-term customers report feeling abandoned when they need support most, with one customer stating, "Your insurance policy with them is worthless even when you're not at fault. Paid into this company for decades, only to have them weasel their way out of paying. They don't work for you, they just want your money!"
Union Mutual 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 Union Mutual's scores from industry agencies.
AM Best Financial Strength | A (Excellent) | A++ to D- | Excellent ability to meet financial obligations and pay claims (affirmed 2024) |
AM Best Long-Term Credit Standing | a | aaa to d | Good credit quality (upgraded from a- in 2021, affirmed 2024) |
S&P Global Financial Strength | Not Available | AAA to D | No S&P rating found for Union Mutual Insurance |
Moody's Financial Strength | Not Available | Aaa to C | No Moody's rating found for Union Mutual Insurance |
J.D. Power Auto Claims Satisfaction | Not Available | 1,000-point scale | Union Mutual not included in J.D. Power Auto Claims studies |
J.D. Power Digital Service Experience | Not Available | 1,000-point scale | No digital service experience rating available |
J.D. Power Auto Insurance Shopping Study | Not Available | Out of 1,000 | Union Mutual not specifically mentioned in shopping studies |
J.D. Power Overall Customer Satisfaction | Not Available | Out of 1,000 | Regional insurer not included in national J.D. Power studies |
NAIC Auto Complaints | Not Available | 1.00 is average | Specific NAIC complaint index not found in research |
Reddit users and forum members have limited discussion about Union Mutual's car insurance, reflecting its smaller regional footprint in New England and New York. The company serves customers through independent agents rather than direct sales, which affects the volume of online reviews.
Common feedback includes appreciation for the personal touch of local service, but some customers report challenges with claims processing and policy renewals.
Here's what real customers are saying about their experiences on forums:
Union Mutual markets itself as providing competitive rates for regional coverage, but pricing experiences vary significantly among customers:
"After my agent failed to provide my policy documents before the renewal date, and sent the invoice for renewal prior to my ability to review the fine print - I realized we were overpaying for subpar coverage. I found a policy that covered 70% higher building coverage for 400 less/year."
Customer experiences with claims handling show mixed results, with some significant concerns about payout processes:
"Paid in for many years and has a hard time paying out!"
Service experiences vary, but several customers express frustration with company responsiveness and advocacy:
"Your insurance policy with them is worthless even when you're not at fault. I've paid into this company for decades only to have them weasel their way out of paying. They don't work for you; they just want your money!"
Union Mutual operates primarily through independent agents rather than direct online sales, limiting digital interaction experiences. The company's online presence is more traditional compared to major carriers.
Customer feedback on digital services is limited due to the agent-based model.
While Union Mutual has maintained an A.M. Best "A" rating, customer sentiment reveals concerns about claim advocacy:
"They ended up dropping me for having to make claims over 10 yrs and NONE were my fault!!!!!"
As a regional carrier, Union Mutual offers standard coverage options but may have limitations compared to larger national carriers:
The company emphasizes its mission to provide "superior property and casualty insurance products with personal service 'second to none'" though customer experiences suggest mixed results in execution.
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.
Union Mutual provides standard coverages like other top insurers, including liability, comprehensive and collision protection. The company's additional add-ons include:
Towing and Labor | Covers costs for labor performed and towing your vehicle when your vehicle becomes disabled | Emergency roadside service; covers towing to repair facility; includes on-site labor costs |
Rental Reimbursement | Covers costs to rent a vehicle if your insured vehicle is involved in an accident or is stolen | Requires comprehensive or collision coverage; covers rental while vehicle is being repaired |
Gap Coverage (Lease/Loan Payoff) | Pays the legal obligation owed for the difference between actual cash value and outstanding lease or loan balance | Available for leased autos when lessor is named as additional insured; covers total loss situations |
Enhanced Medical Payments | Increased medical payments coverage up to $10,000 for bodily injury expenses | Doubles standard medical payments coverage but not to exceed $10,000 total limit |
Custom Endorsements | Tailored endorsements to meet specific individual insurance needs and circumstances | Customizable options available through independent agents; policy-specific enhancements |
You can bundle these insurance types with your auto policy or buy them separately:
Who Offers It? | Insurance Products |
|---|---|
Union Mutual (Directly Offered) | Auto insurance, homeowners insurance, mobile home insurance, farm owners insurance, personal umbrella insurance, renters insurance and business insurance |
Third-Party Partner | Identity fraud expense coverage |
Union Mutual excels in affordability, customer experience and coverage, earning top rankings in our analysis. It ranked first overall for both full coverage and minimum coverage. We recommend you compare quotes and decide on coverage needs before buying to get the best deal.
Below are MoneyGeek's expert answers to frequently asked questions about Union Mutual car insurance:
Yes, Union Mutual is a legitimate car insurance company that secured our third overall rank in our car insurance provider analysis. The insurer particularly excels in affordability, ranking second in this category among all providers we evaluated.
Based on our comprehensive analysis, Union Mutual does not rank as the number one car insurance provider in any state. The company achieves strong regional performance in its operating territory.
Union Mutual earns a third-place national ranking through exceptional affordability and solid customer service within its coverage area of New England and New York.
Union Mutual charges adults an average of $194 annually for minimum coverage and $629 for full coverage. Annual rates span $169 to $5,819 for minimum and $546 to $23,300 for full coverage.
Customer feedback suggests Union Mutual maintains reasonable claim handling practices without widespread denial patterns. Limited online reviews indicate standard processing procedures, though comprehensive claim satisfaction data remains unavailable for thorough evaluation.
Union Mutual offers excellent value for drivers with accidents and speeding tickets, ranking 1st overall for affordability in both categories.
Yes, Union Mutual raises rates over time due to inflation, increased claims from distracted driving and severe weather, plus individual risk factors like credit changes.
No, Union Mutual isn't a great choice for young drivers, ranking 11th for overall affordability with monthly premiums averaging $250.
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.
