Mid Century Insurance Company Review (2023)

Mid Century is a subsidiary of Farmers Insurance, providing car insurance quotes for its parent company. Mid Century’s rates are higher than most competitors, but multiple discounts are available to lower costs. Additionally, Mid Century Insurance has been rated an A by A.M. Best.

Knowing more about the Mid Century Insurance Company will help you decide if the company is the best option for your insurance needs.

Before starting this Mid Century Insurance Company review, enter your ZIP code to find free car insurance rates in your area.

Does Mid Century Insurance Company have competitive rates?

For most customers, the cost of coverage is a primary factor when choosing an insurance company. Car insurance companies use a customer’s risk to determine rates, with high-risk drivers finding coverage the most expensive. Factors used to assess risk include:

• Age
• Gender
• Vehicle
• Driving history
• Location

Since the risk of every driver is different, it’s impossible to predict rates without knowing specifics about the person. However, comparing the average rates of multiple companies will help you determine which one is most affordable.

The following chart shows the average annual minimum coverage and full coverage rates for Mid Century Insurance vs. other companies.

As you can see, Mid Century Insurance has the highest minimum coverage rates and second-highest full coverage rates compared with its most popular competitors.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

What coverages are available through Mid Century Insurance?

Auto insurance companies sell coverages individually. As a result, customers can choose which specific types of coverage they desire. There are seven standard coverages, and most companies offer at least five.

Keep in mind, most states require that drivers carry minimum coverage, usually liability insurance. However, this only pays for other drivers. Companies also include other options to protect you and your car.

Carrying liability, collision, and comprehensive is called full coverage. Most lenders require that car owners have full coverage until they pay off their car loan. At that point, you can lower your coverage, though it’s best to maintain full coverage to protect yourself.

Knowing the coverages offered by a company will help you decide if they provide everything you need. Mid Century Insurance provides all seven standard coverages, and the following table explains these options.

In addition to these standard coverages, Mid Century Insurance provides more options that drivers can add to a policy, including:

• Rental car reimbursement
• Rideshare insurance
• Glass deductible buyback
• Spare parts coverage
• Accident forgiveness
• Roadside assistance

The most common addition to auto coverage is roadside assistance. This option allows customers to request support when they have car trouble on the road and includes:

• Battery replacement
• Flat tire repair
• Gas delivery
• Towing

Since companies sell all coverages individually, you’ll only pay for what you choose. As a result, your rates will increase with every addition to your policy.

Does the Mid Century Insurance Company offer discounts?

Car insurance can be expensive, especially for high-risk drivers. As previously shown, Mid Century Insurance has higher rates than many competitors. Fortunately, several discounts are available that allow customers to lower their rates.

The deals offered by insurance companies depend on several aspects of a driver’s life. The following table shows some of the discounts provided by Mid Century Insurance.

These are some of the most common discounts, but the company might provide more options. When inquiring about coverage, asking a representative about all saving opportunities will ensure you get the best rates.

How is the Mid Century Insurance Company rated?

Credit rating agencies review insurance companies and provide ratings based on their financial strength. Customers can use these ratings to determine if they’ll receive a payout when filing a claim.

The Mid Century Insurance Company has been rated an A by A.M. Best and S&P and an A2 by Moody’s. These ratings are solid and indicate that the company will provide a payout in most situations.

Mid Century Insurance has also been judged on its business practices by the Better Business Bureau (BBB). The BBB has given Mid Century an A+ rating, indicating the company is transparent and honest with its customers.

While Mid Century Insurance is a smaller company, the high financial ratings come from it being a subsidiary of Farmers Insurance, one of the largest companies in the insurance industry.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Does the Mid Century Insurance Company have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) review complaints made about insurance companies. Examining these reviews allow customers to determine a company’s quality of service.

The BBB hasn’t received any complaints about the Mid Century auto insurance company but has received 807 complaints about Farmers Insurance during the past three years. Most of these complaints are about the company’s services and billing practices.

The NAIC lists Mid Century Insurance as having 97 complaints and a complaint index ratio of 1.84. These numbers indicate that Mid Century has more complaints than the average company of a similar size.

How can you file Mid Century insurance claims?

Customers can file Mid Century auto insurance claims through Farmers Insurance. The larger company allows customers to file claims by text, phone, online, and through the company’s mobile app. Here is some more information on these options:

• Farmers Insurance provides an online form on its website that allows customers to file claims online. This form inquires about the incident and enables customers to upload documentation, such as a police report or photos of the damage.
• Customers can also text REPORTCLAIM to 29141 to file a claim. This option only tells the company that you wish to file a claim. Then, the company will respond with a link that will allow you to begin the process online.
• The company’s mobile app allows customers to file claims when they’re on the go. The app enables customers to complete the same steps as the company website, but more conveniently for those away from their home computer.
• Possibly the most efficient way to file a claim is over the phone. Calling the company allows them to get all the necessary information at one time. Customers can file claims using this method by calling the Mid Century auto insurance phone number at 1-800-435-7764.
• Additionally, Spanish-speaking customers can call 1-877-732-5266 to reach a representative in Spanish without going through an automated menu in English.

In most cases, the company will ask for some documentation about the incident. Customers can send documents by email to [email protected] or the Mid Century Insurance Company fax number at 877-217-1389.

How can you make Mid Century Insurance Company payments?

Like filing claims, Mid Century Insurance customers make payments through Farmers Insurance. The parent organization allows customers to pay by phone, mail, or online and offer several payment options, including:

• Debit card
• Credit card
• Checking account
• Savings account

The Mid Century Insurance Company website allows customers to set up their future payment options. The customer portal enables policyholders to set up multiple payment options, including:

• One-time payment
• Automatic payment
• Scheduled payment

In addition to paying online, customers can make payments over the phone by calling the Mid Century Insurance Company phone number at 1-888-327-6335. Additionally, customers who prefer to pay via mail can send checks to the company at:

P.O. Box 0991
Carol Stream, Illinois, 60132

Processing begins the day the customer makes the payment. However, it can take a few days to post, depending on the chosen method. Typically, the process is complete in one to three business days.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Who is the Mid Century Insurance Company?

The Mid Century Insurance Company was founded in 1949 and is headquartered in Woodland Hill, California. The company is a subsidiary of Farmers Insurance, handling the larger organization’s property and casualty insurance options.

In addition to selling insurance itself, Farmers Insurance offers other types of coverage from its various other subsidiaries.

Mid Century Insurance Company: The Bottom Line

The Mid Century Insurance Company is a subsidiary of Farmers Insurance, providing car insurance to Farmers customers. Rates are higher than many competitors, but the company offers several saving opportunities.

Learning more about the Mid Century Insurance Company will help you decide if it’s a good fit for you.

Now that you know about the Mid Century Insurance Company, enter your ZIP code to get free car insurance quotes in your area.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption