Colonial County Mutual Insurance Company: Customer Ratings & Reviews [2025]

Colonial County Mutual Insurance Company delivers tailored insurance solutions, offering extensive coverage and personalized service to residents in Texas, Louisiana, and New Mexico.

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Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

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Ty Stewart
Angie Watts

Licensed Real Estate Agent

Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...

Reviewed by
Angie Watts

Updated April 2024

We will review Colonial County Mutual Insurance Company, an insurance provider that offers a range of products including auto, home, and commercial insurance. The company was founded in 1980 and has a mission to provide quality coverage at an affordable price.

Colonial County Mutual Insurance Company has received an A (Excellent) rating from A.M. Best and has a low level of customer complaints.

The company offers competitive pricing and discounts to eligible customers. However, their coverage is limited to only three states: Texas, Louisiana, and New Mexico. Overall, Colonial County Mutual Insurance Company has a strong focus on customer service and receives positive customer reviews.

What You Should Know About Colonial Insurance

Company Contact Information:

Related parent or child companies: No information was provided regarding any related parent or child companies.

Financial ratings: Colonial County Mutual Insurance Company received an A (Excellent) rating from A.M. Best.

Customer service ratings: Colonial County Mutual Insurance Company has a strong focus on customer service and positive customer reviews.

Claims information: No specific claims information was provided.

Company apps: No information was provided regarding any company apps.

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Colonial Insurance Coverage Options

Colonial County Mutual Insurance Company offers a range of insurance products to customers in Texas, Louisiana, and New Mexico. The coverage options offered by the company include:

  • Auto insurance: Coverage for personal and commercial vehicles, including liability, collision, and comprehensive coverage.
  • Home insurance: Coverage for homes, condos, and mobile homes, including property damage, liability, and additional living expenses.
  • Commercial insurance: Coverage for businesses, including general liability, property damage, and workers’ compensation.
  • Renters insurance: Coverage for renters, including property damage and liability protection.
  • Flood insurance: Coverage for flood damage to homes and businesses.
  • Umbrella insurance: Additional liability coverage that extends beyond the limits of primary insurance policies.

Read more: Top Texas Mobile Home Insurance Providers

Customers can customize their coverage based on their specific needs and budget. Colonial County Mutual Insurance Company also offers roadside assistance and rental reimbursement as add-ons to their auto insurance policies. Customers should contact the company directly to learn more about specific coverage options and eligibility requirements in their state.

Colonial Insurance Rates Breakdown

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Driver ProfileColonial CountyNational Average
Clean Record$84$119
1+ Ticket$125$147
1+ Accident$156$173
DUI$279$209
Poor Credit$145$205

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

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Colonial Insurance Discounts Available

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DiscountsColonial County
Anti Theft17%
Good Student25%
Low Mileage18%
Paperless16%
Safe Driver28%
Senior Driver20%

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Colonial County Mutual Insurance Company offers a range of discounts to eligible customers. These discounts include:

  • Multi-car discount: Customers who insure more than one vehicle with Colonial County Mutual Insurance Company can receive a discount on their premium.
  • Homeowner discount: Customers who own a home and insure it with Colonial County Mutual Insurance Company can receive a discount on their auto insurance premium.
  • Safe driver discount: Customers who have a clean driving record for a certain period of time can receive a discount on their premium.
  • Good student discount: Students who maintain good grades can receive a discount on their premium.
  • Defensive driving discount: Customers who complete a defensive driving course can receive a discount on their premium.
  • Paid in full discount: Customers who pay their entire premium upfront can receive a discount.
  • Military discount: Active-duty and retired military members, as well as their families, can receive a discount on their premium.
  • Senior discount: Customers who are over a certain age can receive a discount on their premium.

It is important to note that eligibility requirements for these discounts may vary depending on the state and policy. Customers should contact Colonial County Mutual Insurance Company directly to learn more about specific discounts and how to qualify for them.

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How Colonial Insurance Ranks Among Providers

As an insurance company operating in Texas, Louisiana, and New Mexico, it competes with a range of national and regional insurance providers that offer similar products and services. Some of the company’s main competitors may include:

  • State Farm: A national insurance provider that offers a range of insurance products, including auto, home, and life insurance.
  • Allstate: A national insurance provider that offers a range of insurance products, including auto, home, and renters insurance.
  • Progressive: A national insurance provider that offers a range of insurance products, including auto, home, and commercial insurance.
  • Geico: A national insurance provider that primarily offers auto insurance, but also offers home, renters, and other insurance products.
  • Farmers Insurance: A national insurance provider that offers a range of insurance products, including auto, home, and commercial insurance.

These companies are well-established and have a significant market share in the insurance industry, which makes them strong competitors of Colonial County Mutual Insurance Company. However, the company’s focus on customer service and competitive pricing may help it stand out in the crowded insurance market.

Frequently Asked Questions

What types of insurance does Colonial County Mutual Insurance Company offer?

The company offers a range of insurance products, including auto, home, commercial, renters, flood, and umbrella insurance.

What states does Colonial County Mutual Insurance Company operate in?

The company operates in Texas, Louisiana, and New Mexico.

How can I get a quote for insurance coverage from Colonial County Mutual Insurance Company?

Customers can get a quote online or by contacting a local agent directly.

What types of discounts are available from Colonial County Mutual Insurance Company?

The company offers a range of discounts, including multi-policy, safe driver, good student, and anti-theft discounts. Eligibility requirements for these discounts may vary depending on the state and policy.

How can I file a claim with Colonial County Mutual Insurance Company?

Customers can file a claim online, by phone, or by contacting a local agent.

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