Citizens Auto Insurance Review (2024)

Citizens Insurance — short for Citizens Insurance Company of America — was founded in 1915. It’s a subsidiary of The Hanover Insurance Group. Based in Worcester, Massachusetts, Hanover is one of the top 25 providers of property and casualty insurance in the United States. The company was founded in 1852 and its current CEO is John Roche.

Unlike Citizens, Hanover does provide auto insurance. This can lead to some confusion, so let’s get one thing straight: If you’ve purchased auto insurance through this company, you’ve purchased it with Hanover auto insurance, not Citizens.

Citizens’ parent company, the Hanover Insurance Group, is based in Worcester, Massachusetts. Hanover home insurance is available throughout the United States.

What You Should Know About The Hanover Insurance Group

Citizens is based in Howell, Michigan, and it primarily provides insurance to policyholders in the Midwest. It’s possible, therefore, that customers closer to the coast may have never heard of Citizens Insurance. Grand Rapids, MI, for example, is a popular location for Citizens.

Citizens’ parent company, the Hanover Insurance Group, is based in Worcester, Massachusetts. Hanover home insurance is available throughout the United States.

Does Citizens have agents?

Yes, Citizens operates through a select group of independent insurance agents and brokers. You can contact Citizens insurance agents by calling this phone number: 1-800-922-8427.

If you’re asking, “How can I find Citizens insurance agents near me,” look no further. You can easily find an insurance agent using the agent locator tool on Hanover’s website.

Citizens’ agents can help you by answering questions like:

• How is Citizens Insurance impacted by COVID-19 (the coronavirus)?
• How can I amend my Citizens policy?
• Is anyone who drives my car impacted by Hanover auto insurance?
• How much would add another car to my Hanover car insurance policy cost?
• How can I get a Citizens insurance refund?

These questions are great starting points if you want to customize your Citizens or Hanover policy. Agents can also help you make Citizens insurance payments.

How do I file a claim with Citizens?

The best way to file Citizens insurance claims is through the Hanover website. This will require your Citizens website login information.

Hanover policyholders can fill out online web forms to file a property insurance claim or auto insurance claim. Policyholders can also use Hanover’s website to get information about repairing auto glass damage and to find contractors or repair shops nearby. If you have internet access, this is much easier than filing a claim through the mail at Citizens Insurance’s claims address.

You can also call the Hanover Claim Service Hotline to file a Citizens insurance claim. Their number is 1-800-628-6977.

Hanover offers a different claim service for its Hanover Platinum Experience members.

The Hanover Platinum Experience includes the Platinum Auto Essential program. Hanover’s Platinum Auto Essential is a basic car insurance policy that offers features like vehicle key replacement coverage and mechanical parts replacement. Hanover policyholders looking to file a Platinum Auto Essential claim can call 1-800-799-6977.

How do I get a quote from Citizens?

Lastly, let’s take a look at how you can obtain a Citizens insurance quote. If you’re interested in Hanover’s auto insurance policies, you can also use this process to get a Hanover auto insurance quote.

The only way to get a quote from Citizens is to contact a Hanover insurance agent. Hanover offers an agent locator function on its website.

While Citizens received a rating of A+ from the Better Business Bureau (BBB), Citizens policyholders have given the company a rating of two out of five stars on BBB. So, how good is Citizens insurance? It depends on who you ask.

The Hanover Insurance Group Insurance Rates Breakdown

Unfortunately, for drivers looking for a new policy, there is no such thing as Citizens auto insurance. Citizens is not an auto insurance company, which means there is no Citizens auto insurance rental car coverage, no Citizens auto insurance roadside assistance, and no Citizens auto insurance rebates.

Many of you may want to know: What is auto insurance for, anyway?

Auto insurance protects you from financial loss in the event of a car accident, theft, or other incidents that cause damage to your vehicle. This can be useful for paying for car repairs, medical bills, and legal fees. Auto insurance is mandated by most states in the U.S. Here are a few helpful statistics:

U.S. Auto Insurance Statistics

Even though there’s no Citizens car insurance, you can buy Citizens property insurance for your personal and commercial properties. Citizens also sells casualty insurance. Often, customers are interested in bundling and want to know what an auto insurance specialist says about bundling rates.

Though some insurance companies offer car insurance bundles, no Citizens auto and home insurance policies exist.