Citizens Insurance Company of America: Customer Ratings & Reviews [2024]

Explore comprehensive coverage options with Citizens Insurance Company of America - a century-old insurance provider known for its A.M. Best-rated excellence and commitment to customer satisfaction.

UPDATED: Apr 23, 2024Fact Checked

Dorothea Hudson

Insurance and Finance Writer

Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running, travel, te...

Insurance and Finance Writer

Jeffrey Manola

Licensed Insurance Agent

Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...

Licensed Insurance Agent

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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Citizens Insurance Company of America

Average Monthly Rate For Good Drivers

$114

A.M. Best Rating:

A (Excellent)

Complaint Level:

Low

Pros

  • Long history and established reputation
  • A wide range of insurance coverage options
  • Competitive pricing
  • A strong financial position with an A (Excellent) rating from A.M. Best
  • Availability of a mobile app for policy management

Cons

  • Limited availability in some states
  • Lack of online policy management options for some insurance products
If you're looking for reliable and affordable insurance coverage, Citizens Insurance Company of America should be at the top of your list. With a long history of providing quality insurance products and services, Citizens Insurance is one of the leading insurance providers in the country. In this comprehensive review, we'll delve into the company's history, mission, products and services, pricing, and customer satisfaction. By the end of this article, you'll have a better understanding of what Citizens Insurance has to offer and whether it's the right insurance provider for you. Types of Insurance Offered:
  • Auto insurance
  • Homeowners insurance
  • Renters insurance
  • Condominium insurance
  • Personal umbrella insurance
  • Flood insurance

Citizens Insurance Company of America is a well-established insurance provider with a century-old history of offering quality insurance products and services. With an A (Excellent) rating from A.M. Best, the company offers competitive pricing and a wide range of insurance options to customers.

Although there are some limitations on availability in certain states and limited online policy management options for some insurance products, the company has a strong reputation for customer service and offers various discounts to customers. Overall, Citizens Insurance Company of America provides reliable and affordable insurance coverage for a range of needs.

What You Should Know About Citizens Insurance Company of America

Company Contact Information:

Related Parent or Child Companies: Citizens Insurance Company of America is a subsidiary of the group of The Hanover insurance review

Financial Ratings: Citizens Insurance Company of America has an A (Excellent) rating from A.M. Best, indicating a strong financial position.

Customer Service Ratings: Citizens Insurance Company of America has a strong reputation for customer service, with high ratings on various third-party review platforms such as Trustpilot and Consumer Affairs.

Claims Information: Citizens Insurance Company of America provides a range of options for filing and managing claims, including online, by phone, or through a local agent. Customers can access claim forms and information on the company’s website.

Company Apps: Citizens Insurance Company of America offers a mobile app that allows customers to access policy information, make payments, file claims, and more from their mobile devices. The app is available for both iOS and Android devices.

Read more: Citizens National Life Insurance Company: Customer Ratings & Reviews

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Citizens Insurance Company of America Insurance Coverage Options

Citizens Insurance Company of America offers a wide range of insurance products and services to meet the needs of customers. These coverage options include:

  • Auto insurance: Provides coverage for personal vehicles, including liability, collision, and comprehensive coverage.
  • Homeowners insurance: Protects homes and personal property from damage or loss due to various causes such as fire, theft, or natural disasters.
  • Renters insurance: Offers coverage for renters’ personal property and liability protection.
  • Condo insurance: Provides coverage for condominium owners, including personal property and liability protection.
  • Umbrella insurance: Offers additional liability protection beyond what is covered by standard auto and homeowners insurance policies.
  • Flood insurance: Provides coverage for damage or loss due to flooding, which is not typically covered by standard homeowners insurance policies.
  • Identity theft insurance: Offers protection against identity theft and related expenses.
  • Pet insurance: Covers veterinary expenses for pet owners in the event of illness or injury.
  • Life insurance: Provides financial support to beneficiaries in the event of the policyholder’s death.

These coverage options may vary by state, and customers can contact Citizens Insurance Company of America for more information on available products and services.

Citizens Insurance Company of America Insurance Rates Breakdown

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Driver Profile Citizens Insurance Company of AmericaNational Average
Clean Record$96$119
1+ Ticket$133$147
1+ Accident$125$173
DUI$313$209
Poor Credit$165$205

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

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Citizens Insurance Company of America Discounts Available

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DiscountsCitizens Insurance Company of America
Anti Theft10%
Good Student18%
Low Mileage13%
Paperless10%
Safe Driver20%
Senior Driver10%

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Citizens Insurance Company of America offers various discounts to customers to help them save money on their insurance premiums. These discounts include:

  • Multi-policy discount: Save money by bundling multiple policies such as home and auto insurance with Citizens Insurance.
  • Good student discount: Eligible students with good grades can save on their auto insurance premiums.
  • Safe driver discount: Customers with a good driving record can qualify for a discount on their auto insurance.
  • Anti-theft device discount: Customers who install anti-theft devices on their vehicles can save on their auto insurance premiums.
  • Paperless discount: Customers who opt for paperless billing and policy documents can save on their insurance premiums.
  • Pay-in-full discount: Customers who pay their insurance premiums in full can save on their policy costs.

These discounts are subject to eligibility requirements and may vary by state. Customers can contact Citizens Insurance Company of America for more information on available discounts and how to qualify for them.

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How Citizens Insurance Company of America Ranks Among Providers

Citizens Insurance Company of America operates in a highly competitive insurance industry, and several other companies offer similar products and services. Some of the company’s main competitors include:

  • State Farm: One of the largest insurance companies in the US, State Farm offers a range of insurance products, including auto, home, renters, and life insurance.
  • Allstate: A leading insurance company, Allstate offers a range of insurance products, including auto, home, renters, and life insurance.
  • Nationwide: A large insurance and financial services company, Nationwide offers a range of insurance products, including auto, home, and life insurance.
  • Progressive: A well-known insurance company, Progressive offers a range of insurance products, including auto, home, and renters insurance.
  • Geico: One of the largest auto insurance companies in the US, Geico also offers home, renters, and other insurance products.

These competitors, along with others, offer similar insurance products and services, and customers often compare coverage options, pricing, and customer service ratings when selecting an insurance provider.

Read more: Nationwide Insurance Company of America Review

Frequently Asked Questions

What is Citizens Insurance Company of America?

Citizens Insurance Company of America is a subsidiary of The Hanover Insurance Group, offering a wide range of insurance products and services.

What types of insurance does Citizens Insurance Company of America offer?

Citizens Insurance Company of America offers various insurance products, including auto, home, renters, condo, pet, and life insurance.

What discounts are available from Citizens Insurance Company of America?

Citizens Insurance Company of America offers various discounts, such as multi-policy, good driver, good student, and mature driver discounts.

How can I file a claim with Citizens Insurance Company of America?

Customers can file a claim with Citizens Insurance Company of America by calling the claims hotline or logging into their account online.

Do they offer renters and condo insurance?

Citizens Insurance Company of America offers life insurance coverage, providing financial protection and benefits to beneficiaries in the event of the policyholder’s death. This coverage may include term life, permanent life, and other options.

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Dorothea Hudson

Insurance and Finance Writer

Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running, travel, te...

Insurance and Finance Writer

Jeffrey Manola

Licensed Insurance Agent

Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...

Licensed Insurance Agent

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.

Reviews
for Citizens Insurance Company Of America

4.04 (87 reviews)
5
October 9, 2020

lukenbrahim

My experience

It helped me a lot when my car crashed last February. My total review for them is good they do what a insurance company should do.
1
February 28, 2020

michiganmom21

Major rate increase for using road service

Citizens Insurance uses some pretty shady billing practices. I just got my annual renewal in the mail and there was an increase of over $500. I didn't understand why as there were no accidents, no tickets and no other changes that might have caused an increase. I called my agent who informed me that my rates were increased because Citizens was now stating there was a chargeable accident because they said my road service use was excessive. We us...
Citizens Insurance uses some pretty shady billing practices. I just got my annual renewal in the mail and there was an increase of over $500. I didn't understand why as there were no accidents, no tickets and no other changes that might have caused an increase. I called my agent who informed me that my rates were increased because Citizens was now stating there was a chargeable accident because they said my road service use was excessive. We used the towing service a total of two times. I insure four vehicles with Citizens. I don't agree that two towing charges between four vehicles is excessive. How can they say I have chargeable accident if I never even had an accident? So let me get this right. I pay extra for road service but I'm not allowed to use it? And two towing charges that equaled only $120 total increased my insurance by $500. If that isn't shady, I don't know what is. They also increased my homeowner's by over 10% and when I asked why, they said they didn't know the reason. Seriously, do yourself a favor and use another carrier.
4
January 17, 2020

minniemack

Very friendly service

So far I have actually enjoyed working with this insurance company. I got my policy through an agent. The agent helped me find a solid plan that covered my vehicle and included renters insurance for cheaper than what I was already paying. I had one issue pop up over the past month. They helped resolve my issue pretty quickly in a way that was best suited for me.
5
September 4, 2019

Brycesmom2004

Great Experience

I recently switched to Citizens and could not be happier. The cost is less than my previous insurance company and it is the same coverage.
2
July 15, 2019

Jimf

Not returning pay.

Citizens was good Insurance for years. Then razed our rates $1000. After canceling still took money from our account and will not return it. Feeding Agency is offering no help.
5
January 9, 2019

toledoa007

Best insurance I ever had!

They have been wonderful with my husband and I. When ever we call they answer all of our questions. They are very accommodating.
4
December 13, 2018

Galelinda

Better price than most

This company seems to offer the best price for the same coverage I have had before, so I went with them. I haven't had to file any claims but I like that my premium is for a year, not for 6 months at a time.
4
November 22, 2018

Helpmate

Citizens Insurance

This has been a good company for our family. The rates are reasonable. They let you bundle home and car. They give you a better rate if you have had an accident or have smoke detectors in your home. Also C02 detectors
5
October 17, 2018

Miinsured

Can't legally drive without it

I've had my car insurance with citizens for about 20 years. The rate is steady and a little lower with home insurance on the same policy.
5
July 17, 2018

sdood2012

Recommended

This company has great rates and I have never had any problems with them. Although, I have never had to make a claim with them. I am very happy with their insurance.
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