Hastings Mutual: Overview

Hastings Mutual is based in Michigan and has been providing insurance to its customers since 1885.

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About Hastings Mutual

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.

Hastings Mutual Facts & Ratings

Year Founded1885
Financial StrengthExcellent
JD Power RankingAbove Average
BBB RatingA+
A.M. BestA
Market Share0.2% (2018)

Hastings Mutual Mobile App Rating

Hastings Mutual does not currently have a mobile app.

Pros & Cons of Hastings Mutual

  • Hastings Mutual Company focuses on providing A+ customer service and promoting strong relationships with its customers.
  • Established history: the company has 130 years of service and has built a good reputation among its customers.
  • It has affordable rates.
  • Offers Multi-Policy discounts.
  • Limited service: coverage is available in only 6 midwestern states across the US.
  • It doesn’t offer an online application, you need to call an agent for a quote.

Common Questions about Hastings Mutual

Who underwrites Hastings car insurance?

Hastings Mutual company underwrites its own car insurance.

Does Hastings do multi-car insurance?

Yes, Hastings Mutual auto insurance offers multi-car insurance and you can get a discount by doing so.

How do I cancel my Hastings car insurance?

To cancel your Hastings Car Insurance you should call your local agent.

Does Hastings Mutual insurance automatically renew?

Hastings Mutual gives you the option to renew your insurance policy and you can do that by contacting your local agent.

What insurance coverage does Hastings Mutual offer business owners?

Hastings Mutual offers the following coverage options for business owners: 

  • Business Income and extra expense - Actual Loss Sustained, No Waiting Period
  • Replacement Cost - Buildings & Property 
  • Accounts Receivable
  • On-Premises/Off-Premises Money & Securities
  • Valuable Papers and Records
  • Basic Liability
  • Contractual Liability
  • Per Person Medical
  • Tenant’s Fire Legal Liability
  • Equipment Breakdown
  • Employee Dishonesty 
  • Employee Benefits Liability
  • Ordinance or Law

Does a dashcam lower car insurance with Hastings?

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: 

  • 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

How good is Hastings Mutual insurance?

The company is financially strong, with an A.M Best Rating of A or Excellent for customer service.

How to cancel Hastings Mutual insurance renewal?

To cancel your Hastings car insurance you should contact your local agent by phone.

Does Hastings Mutual cover roadside assistance?

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

How does Coverage Plus work with Hastings Mutual?

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:

  • Replacement cost on personal property
  • Increased sewer and drain backup
  • Personal injury protection
  • Increased identity recovery expense
  • Increased debris removal
  • Increased coverage limits on the theft of money, securities, jewelry and furs, firearms, and silverware/gold-ware
  • Lock and entry replacement for stolen keys
  • Increased credit card, fund transfer card, forgery, and counterfeit money coverage
  • Loss assessment increase
  • Mortgage extra expense coverage
  • Incidental business liability coverage available
  • Landslide

How to save on homeowners insurance with Hastings Mutual:

Hastings Mutual offers the following discount for homeowners insurance:

  • Multi-policy Discount
  • Loyalty Discount
  • New Home Discount
  • Protective Devices Discount

Does Hastings Mutual offer earthquake protection with renter insurance?

Hastings Mutual offers an earthquake coverage for renters, depending on location.

Which states does Hastings Mutual insurance operate in?

Hastings Mutual operates in six Midwestern states, including Illinois, Indiana, Iowa, Michigan, Ohio, and Wisconsin.

Does Hastings Mutual have good homeowners insurance?

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

What is pet injury coverage by Hastings Mutual auto insurance?

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.

Hastings Mutual Insurance Products

Auto InsuranceATV Insurance
Boat InsuranceBusiness Auto Insurance
Business Owners InsuranceFarm & Ranch Insurance
Earthquake InsuranceIdentity Theft Insurance
Personal Umbrella InsuranceHomeowners Insurance
Rental Dwellings Personal Liability Insurance
Condo InsuranceRenters Insurance

Hastings Mutual Auto Insurance Coverage

Bodily Injury Liability

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.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Uninsured/Underinsured Motorist

This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Roadside assistance

This coverage helps you get back and driving if you have a roadside breakdown.

Pet Injury Coverage

This coverage pays for medical bills for injured pets, in the event of an accident.

Travel Interruption

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.

Towing Coverage

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.

New Vehicle Replacement Cost

This type of coverage is for new vehicles with fewer than 400 miles and owned less than one year.

Auto Loan / Lease Coverage

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.

Pet Accidental Death Benefit

This type of coverage pays you $250 in case your beloved pet dies in an accident in which your vehicle is involved.

Discounts

Claim Free DiscountGood Student Discount
Away at School DiscountDefensive Driving Discount
Paid in Full DiscountPaperless Bills Discount
Multi-car DiscountMulti-policy Discount

Hastings Mutual Insurance Co Auto Insurance Rates by State

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 $131.37 per month. The cheapest state average is Iowa at $94.71 per month followed by Ohio at $97.48 per month. The most expensive state average is Illinois at $195.58 per month.

State Avg monthly rate
IA $94.71
IL $195.58
IN $124.90
State Avg monthly rate
MI $128.14
OH $97.48
WI $126.39

Hastings Mutual Insurance Co Auto Insurance Rates by Vehicle

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
1 Vehicle $125.29
2 Vehicles $159.64
8 Vehicles $178.00
3 Vehicles $208.42
4 Vehicles $273.70
5 Vehicles $290.57
6 Vehicles $356.00
7 Vehicles $730.00

Hastings Mutual Insurance Co Auto Insurance Rates by Homeownership

Customers who own their home rather than rent can sometimes get a small discount. We found that on average Hastings Mutual Insurance Co charges $119.95 per month for drivers who own their home and $136.80 per month for those who rent.

Own/Rent Avg Monthly Rate
Own $119.95
Rent $136.80

Hastings Mutual Contact Info

Address404 E. Woodlawn Ave. Hastings, MI 49058
Phone1-800-442-8277
Websitehttps://www.hastingsmutual.com/
Facebookhttps://www.facebook.com/HastingsMutual/
Linkedinhttps://www.linkedin.com/company/hastings-mutual-insurance-company/

Methodology

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.

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