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How do customers rate Central Insurance?

are likely to renew their policy
are likely to renew their policy
are likely to renew their policy

Central Insurance ratings and coverages

Founded as the Central Mutual Insurance Company in 1876, Central Insurance has evolved a successful property and casualty group operating on a strong foundation of the core values of Integrity, Relationships, and Excellence. We provide insurance for more than 350,000 automobiles, homes, and businesses in 24 states. Central is based in Van Wert, Ohio and operates regional offices in Boston, Atlanta, Dallas, and Van Wert. The Central group of companies has combined assets of over $1 billion. Central's A.M. Best rating is A (Excellent).

The myCentral policyholder website allows you to unlock 24/7 access to your Central Insurance account! This interactive website is the key to account self-service:

More about Central Insurance Companies

  • Report or check on the status of a claim.
  • Access Roadside Assistance.
  • Submit claim photos.
  • View your policy or bill.
  • Make a payment.
  • Access proof of insurance.
  • Generate certificates of insurance.
  • Sign up for text notifications.
  • And much more!

You can also enroll in paperless options to help manage your Central account. Receive and view your policy and billing statement online with E-policy and E-billing. Enroll in both our E-billing and E-policy options and receive a $5 credit per policy!

Electronic Funds Transfer (EFT) automatically withdraws your payment from your checking or savings account based on a plan of your choosing (Annual, Semi-annual, Quarterly, and Monthly). So you don't have to think about payments to keep your coverage current on home, auto, or any other insurance policy you have with Central Insurance.

For those on the go, myCentral Mobile allows you access to the same essential myCentral functions right from your Apple or Android device. Text "myCentral" to 95577 to install the app on your mobile device or visit the iTunes or Google Play store to download the app for free.

What Kind of Discounts Are Available through Central Insurance?

Central Insurance values the importance of providing quality insurance at a low rate, which is why it offers a number of discounts and credits for eligible policyholders. Please note that discounts and credits vary between states and individual insurance holders. Not every insurance applicant qualifies for every insurance program with Central Insurance. A few of the available discounts include:

Central Insurance auto discounts

  • Package Credit: Bundling an auto and homeowners policy with Central Insurance could qualify customers for a discount
  • E-Credit: Central Insurance customers who enroll in an e-billing and e-policy option are able to receive a credit of $5 annually per policy
  • Customer Loyalty Credit: Begin earning credits after two years of loyalty with Central Insurance and save up to 10 percent after 10 years of loyalty
  • Insurance Score: Policyholders with an excellent insurance score based on consumer credit information are eligible for a Central Insurance discount
  • Payment Timeliness: Central Insurance customers could receive a credit on a renewal policy if they have had no cancellation notices for non-payment
  • Higher Deductibles: Selecting a higher deductible on a policy qualifies customers for savings
  • Elite New Policy Discount: Discounts are available to new Central policyholders who hold higher liability limits, have no accidents, a high insurance score and minimal traffic violations
  • Paid-in-Full: Receive a 5 percent discount when you choose to pay your Central auto insurance premium annually
  • teenSmart Discounts: Teens insured by Central Insurance Companies who successfully complete the teenSmart Driver Safety Program are eligible to receive a discount on their auto insurance rates
  • New Teen Driver Family Loyalty Discount: Central Insurance customers could receive a discount when a teen driver is added to an auto insurance policy
  • Driver Training: Successful completion of an approved driver education course could qualify policyholders for a discount
  • Good Student Discount: Full-time students who maintain a “B” average or better could earn a discount on their auto insurance premium
  • Vehicle Safety Features: Vehicles equipped with passive restraint or anti-theft devices could qualify Central Insurance customers for savings
  • Accident Prevention: Specified operators who have completed an approved accident prevention course within the past 36 months could qualify for a discount

Central Insurance home discounts

If you're looking for homeowners insurance with Central Insurance, you may be able to take advantage of the following discounts:

  • Package Credit
  • E-Credit
  • Customer Loyalty Credit
  • Insurance Score
  • Payment Timeliness
  • Higher Deductibles
  • Elite Policy Discount: Discounts available on new Central policyholders who hold higher coverage A limits, have a newer home, good credit score and are loss free
  • Gated Community Credit: A credit will be applied to Central insurance homeowners who reside in a gated community
  • Home Buyer Credit: A credit is available to policyholders who have purchased or built a brand new home during the 12 months before the effective date of the policy
  • Loss Free Credit: Policyholders who have been loss free for the past three years will receive a credit and this increases after additional years without a claim
  • Boat or Scheduled Personal Property Credit: Bundling your boat and/or scheduled personal property with a Central Insurance homeowner policy could qualify you for additional premium credit
  • Safety Features: Homes equipped with approved and properly maintained installations of safety features could qualify for a Central Insurance discount. These safety features include burglar alarms, fire alarms, lightning protection systems, automatic sprinklers, sprinkler system flow alarms, smoke detectors, gas leakage detection systems, whole house generators, water leakage detection systems and more
  • Water Backup Loss Prevention Discounts: A credit is available to policyholders who have Water Backup coverage and installed items such as generators, water pressure backup sump pumps or water/leak sensor systems

Is Central Insurance Right for You? Use Online Quote Forms to Find Out

Central Insurance and other carriers make sales pitches. They give you a list of their policies and discounts and tell you why you should choose them. But each insurance applicant's situation is unique. You may get a lower rate from one company or another. The most sound advice is to get multiple quotes and compare your options based on your profile.

Central Insurance Associates, Inc. continues to keep pace with the industry. Customer reviews are mixed, which is to be expected with any carrier. Their claims process seems to come with standard wait times. This experience can be heavily affected by experienced insurance advisors. So enter your zip code and get quotes on your coverage today.

What coverages does Central Insurance offer?

Specialty Coverage

Bed & Breakfast Insurance

Specialty Coverage

Business insurance

Specialty Coverage

Classic car insurance

Specialty Coverage

Collectibles Insurance

Specialty Coverage

Commercial auto insurance

Specialty Coverage

Commercial property

Specialty Coverage

Commercial vehicle insurance

Specialty Coverage

Craft Brewery

Specialty Coverage

Golf cart insurance

Specialty Coverage

Home based business Insurance

Specialty Coverage

Inland Marine Coverage

Specialty Coverage

Motorhome Insurance

Specialty Coverage

Snowmobile Insurance

Specialty Coverage

Trailer Insurance

What states does Central Insurance do business in?

Central Insurance sells car and homeowners insurance in 18 states. See the state Central Insurance sells in below and click the link to see how Central Insurance compares to the other top companies in that state.

Central Insurance mission

We fulfill the promise to provide security, protection, and peace of mind to our customers.

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