Hastings Mutual is based in Michigan and has been providing insurance to its customers since 1885.
Hastings Mutual Company was founded in 1885 as Michigan Mutual Tornado, Cyclone and Windstorm Insurance Company to help protect local residents against the tornados that had destroyed small communities of Hastings and other parts of Michigan. The company continued to grow over the years and expanded its business.
By 1920, the name was changed to Michigan Mutual Windstorm Insurance Company. Five years later, it was considered the second-largest mutual windstorm company in the world with 90,000 members sharing $300 million in coverage.
In 1953, after a devastating tornado killed almost 200 people in Michigan and Ohio, the company felt strongly that it could help prevent injuries and loss of life and sponsored an early warning system for tornadoes for radio and, eventually, television. With its history of success and customer-centered focus, the company became the largest windstorm insurer in the state, with over $1 billion at risk. In 1959, it was renamed Hastings Mutual Insurance Company.
In 2004 the company established a non-profit organization named Hastings Mutual Charitable Foundation to help financially challenged families in the communities it serves.
Today, after more than 130 years since it began, Hastings Mutual is an award-winning, regional property casualty insurance company providing top quality insurance products through a network of independent agents. The company offers insurance products for businesses, farms, and individuals in 6 Midwestern states, including Illinois, Indiana, Iowa, Michigan, Ohio, and Wisconsin.
|JD Power Ranking||Above Average|
|Market Share||0.2% (2018)|
Hastings Mutual does not currently have a mobile app.
Hastings Mutual company underwrites its own car insurance.
Yes, Hastings Mutual auto insurance offers multi-car insurance and you can get a discount by doing so.
To cancel your Hastings Car Insurance you should call your local agent.
Hastings Mutual gives you the option to renew your insurance policy and you can do that by contacting your local agent.
Hastings Mutual offers the following coverage options for business owners:
In 2012, the company launched a usage-based insurance product under the Hastings Direct SmartMiles brand. The SmartMiles product requires a telematics device to be fitted to the insured vehicle. There are other options to lower your insurance rates, such as:
The company is financially strong, with an A.M Best Rating of A or Excellent for customer service.
To cancel your Hastings car insurance you should contact your local agent by phone.
Hastings Mutual offers roadside assistance as an optional coverage and it includes the following services: Towing Flat Tire Emergency Fluid Delivery Dead Battery Concierge Service Locked Out Service Minor Mechanical Assistance
Hastings Mutual offers coverage plus endorsements, which enhance your Homeowners policy to guarantee additional protection for your home and personal belongings. It includes additional benefits such as:
Hastings Mutual offers the following discount for homeowners insurance:
Hastings Mutual offers an earthquake coverage for renters, depending on location.
Hastings Mutual operates in six Midwestern states, including Illinois, Indiana, Iowa, Michigan, Ohio, and Wisconsin.
Hastings Mutual offers a comprehensive list of home insurance coverage and enhancement packages including Identity Theft, Personal Property, and Coverage Plus. According to some review sites, customers said that the company offers affordable rates and really helped them with all their home insurance needs and claims
Hastings Mutual offers pet injury coverage when you buy auto insurance. It pays for veterinary charges for your cat or dog injured in an accident while riding with you in your covered auto.
|Auto Insurance||ATV Insurance|
|Boat Insurance||Business Auto Insurance|
|Business Owners Insurance||Farm & Ranch Insurance|
|Earthquake Insurance||Identity Theft Insurance|
|Personal Umbrella Insurance||Homeowners Insurance|
|Rental Dwellings||Personal Liability Insurance|
|Condo Insurance||Renters Insurance|
This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.
This form of coverage is required in every state. It covers property damage and loss of use to a third party.
This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.
This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.
his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.
This coverage helps you get back and driving if you have a roadside breakdown.
This coverage pays for medical bills for injured pets, in the event of an accident.
This coverage pays for the expenses that may occur if you are traveling more than 100 miles away from home and your travel is interrupted due to a covered loss.
This coverage gives you the option to receive free unlimited towing from a Hastings-chosen service, or up to 10 miles of towing from a service of your choice.
This type of coverage is for new vehicles with fewer than 400 miles and owned less than one year.
This type of coverage is for vehicles with outstanding loans or autos that are leased. If there is a total loss to your covered auto, the financial penalty to you can be reduced considerably.
This type of coverage pays you $250 in case your beloved pet dies in an accident in which your vehicle is involved.
|Claim Free Discount||Good Student Discount|
|Away at School Discount||Defensive Driving Discount|
|Paid in Full Discount||Paperless Bills Discount|
|Multi-car Discount||Multi-policy Discount|
Below is a list of the average rates that drivers typically pay with Hastings Mutual Insurance Co. On average, Hastings Mutual Insurance Co charges approximately $143.44 per month. The cheapest state average is Ohio at $101.19 per month followed by Iowa at $107.85 per month. The most expensive state average is Illinois at $195.19 per month.
|State||Avg monthly rate|
|State||Avg monthly rate|
Drivers typically will get a discount if they insure multiple vehicles. Here is a list of average rates that Hastings Mutual Insurance Co charges for drivers who have more than 1 vehicle.
|Number of Vehicles||Avg Monthly Rate|
Customers who own their home rather than rent can sometimes get a small discount. We found that on average Hastings Mutual Insurance Co charges $132.04 per month for drivers who own their home and $150.83 per month for those who rent.
|Own/Rent||Avg Monthly Rate|
|Address||404 E. Woodlawn Ave. Hastings, MI 49058|
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
How Does Hastings Mutual Compare to Other Car Insurance Companies?
|Hastings Mutual vs Alfa||Hastings Mutual vs Direct Auto|
|Hastings Mutual vs Donegal Mutual||Hastings Mutual vs Encova|
|Hastings Mutual vs Grange||Hastings Mutual vs Infinity|
|Hastings Mutual vs Pekin|
Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.