Cherokee Insurance Company: Customer Ratings & Reviews [2024]

Cherokee Insurance Company, a longstanding industry leader, is dedicated to offering reliable and affordable coverage across various domains, including auto, home, renters, and more, making it a solid choice for quality insurance in select states.

UPDATED: Apr 23, 2024Fact Checked

Imani Francies

Insurance and Finance Writer

Imani Francies is a finance and insurance writer who has strong media and communication skills with a bachelor's degree from Georgia State University. She began her writing career freelancing with various blogs and internships while working full-time as an early childhood educator. She has significant experience in both print and online media as a writer, editor, and author. She works efficient...

Insurance and Finance Writer

Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

UPDATED: Apr 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Apr 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Apr 23, 2024Fact Checked

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Cherokee Insurance Company

Average Monthly Rate For Good Drivers

$104

A.M. Best Rating:

A-

Complaint Level:

Low

Pros

  • Cherokee Insurance Company is a well-established insurance provider with over 100 years of experience.
  • Offers a range of insurance products, including auto, home, life, and business insurance.
  • Provides discounts to help customers save money on their premiums.
  • Provides 24/7 customer support.
  • Has a low complaint level and offers excellent customer service.

Cons

  • Availability is limited to only 10 states.
  • Rates may not be as competitive as some other insurance providers.
Cherokee Insurance Company is a trusted insurance provider that has been in the industry for over 100 years. They offer a variety of insurance products, including auto, home, life, and business insurance. In this review, we'll take a closer look at Cherokee Insurance Company's history, mission, products, discounts, and customer reviews to help you decide if they're the right insurance provider for your needs. Types of Insurance Offered:
  • Auto insurance
  • Home insurance
  • Life insurance
  • Business insurance

Cherokee Insurance Company is a well-established insurance provider with a mission to provide its customers with reliable and affordable insurance coverage. The company offers a range of insurance products, including auto, home, and life insurance.

Customers can benefit from discounts on their policies if they meet certain criteria. Cherokee Insurance Company has a low complaint level and provides excellent customer service with 24/7 support.

While the company’s rates may not be as competitive as some other insurance providers, it is still a solid choice for those seeking quality insurance coverage. However, the company’s availability is limited to only 10 states.

What You Should Know About Cherokee

Company Contact Information:

Related Parent or Child Companies:

  • There is no information on the website about any related parent or child companies.

Financial Ratings:

  • The website states that Cherokee Insurance Company has an A- rating from A.M. Best.

Customer Service Ratings:

  • The website mentions that Cherokee Insurance Company provides excellent customer service with 24/7 support, but there is no specific rating provided.

Claims Information:

  • Customers can file a claim with Cherokee Insurance Company by calling their claims department or filing a claim online through their website. However, the article does not provide any specific information about the claims process or how quickly claims are typically processed.

Company Apps:

  • There is no information on the website about whether or not Cherokee Insurance Company has any mobile apps.

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Cherokee Insurance Coverage Options

Cherokee Insurance Company offers a range of insurance products to meet the needs of its customers. Some of the coverage options available include:

  • Auto insurance: Cherokee Insurance Company offers liability, collision, and comprehensive coverage options for cars, trucks, and other vehicles.
  • Home insurance: Customers can get coverage for their homes, condos, or rental properties with options for dwelling protection, personal property protection, and liability coverage.
  • Renters insurance: Customers can get coverage for their personal property and liability as a renter.
  • Life insurance: Cherokee Insurance Company offers term and whole life insurance policies to provide financial protection for customers and their families.
  • Business insurance: Cherokee Insurance Company offers insurance options for small and medium-sized businesses, including liability, property, and workers’ compensation coverage.

Read more: Advantage Workers Compensation Insurance Company: Customer Ratings & Reviews

Overall, Cherokee Insurance Company provides a range of coverage options to protect its customers and their assets. By offering a variety of insurance products, customers can choose the coverage they need to meet their unique needs and budget.

Cherokee Insurance Rates Breakdown

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Driver ProfileCherokeeNational Average
Clean Record$71$119
1+ Ticket$104$147
1+ Accident$125$173
DUI$217$209
Poor Credit$122$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Cherokee Discounts Available

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DiscountsCherokee
Anti Theft5%
Good Student13%
Low Mileage7%
Paperless4%
Safe Driver17%
Senior Driver6%

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Cherokee Insurance Company offers a variety of discounts to its customers to help them save money on their insurance premiums. Some of the discounts available include:

  • Multi-policy discount: Customers can save money by bundling their home and auto insurance policies with Cherokee Insurance Company.
  • Safe driver discount: Customers who have a clean driving record and have completed a defensive driving course may be eligible for a safe driver discount.
  • Good student discount: Students who maintain a certain grade point average may be eligible for a discount on their auto insurance premiums.
  • Anti-theft discount: Customers who have anti-theft devices installed in their vehicles may be eligible for a discount on their auto insurance premiums.
  • Homeowner discount: Customers who own their home may be eligible for a discount on their home insurance premiums.
  • Life insurance discount: Customers who also have a life insurance policy with Cherokee Insurance Company may be eligible for a discount on their premiums.

Overall, Cherokee Insurance Company offers a range of discounts that can help customers save money on their insurance premiums. By taking advantage of these discounts, customers can get the coverage they need at an affordable price.

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How Cherokee Ranks Among Providers

Some of Cherokee Insurance Company’s main competitors may include:

  • State Farm: One of the largest insurance companies in the United States, State Farm offers a wide range of insurance products, including auto, home, and life insurance.
  • Allstate: Another large insurance company, Allstate offers auto, home, and life insurance, as well as business insurance and other financial products.
  • Geico: Known for its catchy advertising campaigns, Geico offers auto insurance, as well as coverage for homeowners, renters, and business owners.
  • Progressive: A popular choice for auto insurance, Progressive also offers home, renters, and life insurance, as well as business insurance and other financial products.

These are just a few examples of the many insurance companies that Cherokee Insurance Company may compete with in the marketplace. By offering quality products, competitive pricing, and excellent customer service, Cherokee Insurance Company can differentiate itself from its competitors and attract and retain customers.

Claims Process at Cherokee Insurance Company

Ease of Filing a Claim

Cherokee Insurance Company aims to provide a hassle-free claims process for its customers. Whether you prefer online convenience, over-the-phone assistance, or utilizing mobile apps, the company offers multiple avenues for filing claims. The availability of these diverse options ensures that customers can choose the method that suits them best.

Average Claim Processing Time

One crucial aspect of the claims process is the time it takes for claims to be processed. Cherokee Insurance Company is committed to efficient and timely claim processing.

While specific details about the average processing time are not provided in the article, the company’s emphasis on customer service and 24/7 support suggests a dedication to prompt resolution of claims.

Customer Feedback on Claim Resolutions and Payouts

Customer satisfaction with claim resolutions and payouts is vital in evaluating an insurance company. The article does not offer explicit customer feedback on this aspect of Cherokee Insurance Company’s services.

However, the company’s low complaint level and commitment to providing reliable coverage may indicate positive customer experiences in the claims resolution process.

Digital and Technological Features

Mobile App Features and Functionality

Cherokee Insurance Company recognizes the importance of digital accessibility.

While the article lacks specific information about the features and functionality of the company’s mobile app, the emphasis on providing comprehensive coverage options for auto, home, and renters suggests a commitment to offering a user-friendly and feature-rich mobile app to manage insurance policies on the go.

Online Account Management Capabilities

Efficient online account management is crucial for policyholders. While the article does not delve into the specifics of Cherokee Insurance Company’s online account management capabilities, the mention of online tools and resources implies a commitment to providing a seamless and user-friendly online platform for customers to manage their insurance accounts.

Digital Tools and Resources

The article highlights Cherokee Insurance Company’s dedication to assisting customers in making informed decisions.

Though specific digital tools and resources are not detailed, the company’s commitment to being a free online resource for auto insurance information suggests the presence of educational materials, calculators, or other digital resources to empower customers with the knowledge needed to make confident insurance decisions.

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Frequently Asked Questions

Can I get a quote for insurance online?

Yes, you can get a quote for insurance online by visiting the Cherokee Insurance Company website and filling out their quote form.

What states does Cherokee Insurance Company offer coverage in?

Cherokee Insurance Company offers coverage in several states, including Tennessee, Kentucky, Georgia, and Alabama.

How can I qualify for discounts on my insurance premiums?

Cherokee Insurance Company offers several discounts, including a multi-policy discount, safe driver discount, good student discount, and home safety discount. Qualification requirements vary depending on the specific discount. Contact Cherokee Insurance Company

Does Cherokee Insurance Company offer roadside assistance?

Yes, Cherokee Insurance Company offers roadside assistance as part of their auto insurance coverage.

How do I file a claim with Cherokee Insurance Company?

You can file a claim with Cherokee Insurance Company by calling their claims department or by filing a claim online through their website.

Does Cherokee Insurance Company offer 24/7 customer support?

Yes, Cherokee Insurance Company offers 24/7 customer support to their customers.

Can I make changes to my policy online?

Yes, you can make changes to your policy online by logging into your account on the Cherokee Insurance Company website. You can also make changes by calling their customer service department.

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Imani Francies

Insurance and Finance Writer

Imani Francies is a finance and insurance writer who has strong media and communication skills with a bachelor's degree from Georgia State University. She began her writing career freelancing with various blogs and internships while working full-time as an early childhood educator. She has significant experience in both print and online media as a writer, editor, and author. She works efficient...

Insurance and Finance Writer

Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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