Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 11, 2021

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Key takeaways...

  • Hastings Mutual Insurance Company started out with insurance for windstorm protection, but now offers a myriad of insurance, including car insurance
  • They offer many types of car insurance, along with supplemental options
  • Pros with working with Hastings Mutual is that they have great customer service and offer discounts for bundling
  • Cons of Hastings Mutual are their unreliable website and no options to sign up or change their policy via their website

Hastings Mutual car insurance can be found in the Midwestern states, including:

Hastings Mutual offers a fairly wide variety of insurance products, but they are a regional insurance company, not a nationwide company, so coverage is not available everywhere.

Read this Hastings Mutual car insurance review and then enter your ZIP code above to compare at least three to four policies today!

What is the history of the Hastings Mutual Insurance Company?

The company has been around for a great deal of time. They first came into existence back in 1885. Initially, they only sold insurance to protect people from windstorms.

At that time, it was referred to as the Michigan Mutual Tornado, Cyclone and Windstorm Insurance Company. Hastings, Michigan had recently experienced tornadoes in 1880 and 1882.

By 1925, Hastings Mutual had become the second largest mutual windstorm insurance provider on the globe and continued to prove successful, even during the Great Depression.

The company transformed itself into a general insurance company on January 15, 1959.

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What kind of auto insurance coverage does Hastings Mutual offer?

Hastings Mutual Car Insurance Products Car insurance products offered by the company are similar to those offered by automotive insurers throughout the world. They provide all types of coverage, including insurance for:

An additional threat that the company insures is less well-known as GAP coverage.

Since vehicles lose value as they age, there is the possibility that a car owner could end up owing more on their car than the car is worth, a situation which is known as being “upside down.”

If your car is destroyed or stolen, GAP coverage will make sure that you don’t owe anything to the bank.

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The company also sells something that they refer to as the Multi-Protection Guard (MPG) Coverage Program, which protects against many threats that are not included in most insurance policies. Additional protection is offered for situations relating to:

  • Auto leases and loans
  • Car Replacement
  • Travel Interruption
  • Theft of GPS device
  • Pet Injury or Death
  • Towing coverage

These are quality insurance products that you’re not likely to find with every insurer. The towing coverage provides free unlimited towing to a Hastings-chosen service station. This can come in handy if you end up stuck on the side of the road due to a flat tire or dead battery.

Another service provided by the company is insurance for corporate cars and other vehicles, referred to as C.A.R.S.

Pros of Hastings Mutual Car Insurance

One of the benefits of working with Hastings Mutual Auto Insurance is the fact that they offer excellent customer service.

The advantage of great customer service is common among companies such as Hastings, which are limited in the number of customers that they serve, allowing them to spend more time with each of their customers.

Many of the products offered by the company are more innovative than typical auto insurance policies.

Not everybody will need these types of coverage, of course, but those who can benefit them will be pleased with the ease of mind that they bring. Very few auto insurers provide coverage for situations such as injured pets or GPS theft.

In addition to car insurance, Hastings sells insurance for:

  • Homeowners
  • Manufactured homes
  • RVs
  • Farms
  • Businesses
  • Renters

Hastings also offers personal umbrella insurance. A homeowners policy with Hastings Mutual Insurance will include personal property coverage, dwelling coverage, and more.

Customers who purchase two or more types of insurance qualify for discounts that reduce their costs dramatically. Discounts are also available for experienced homeowners, those purchasing a new home, and those who have a fire and/or burglar alarm in their home.

Cons of Hastings Mutual Car Insurance

Not everything about the insurance company is top notch, however. As with many local insurers, their website does not provide the kind of functionality that most modern users would expect from it.

As a matter of fact, the website is not always working.

In addition to this, the company does not allow customers to sign up or change their policy through the website.

Shoppers are instead required to contact one of Hastings’ independent agents directly. If an agent isn’t located near the caller, they will be redirected to the nearest agent, and sometimes connected to the main office.

If you’re looking for better and more affordable car insurance, enter your ZIP code below and start comparison shopping today!


  1. https://www.hastingsmutual.com/
  2. https://wallethub.com/edu/types-of-car-insurance/9636/
  3. https://www.thebalance.com/comprehensive-vs-collision-coverage-527402
  4. https://en.wikipedia.org/wiki/Uninsured_motorist_clause
  5. https://www.nolo.com/legal-encyclopedia/gap-insurance-car-do-you-30132.html
  6. https://blog.equifax.com/credit/do-i-really-save-money-bundling-insurance-policies/