Co-operative Insurance Company Review

We've looked at over 1,000 insurance companies, rating them on strength, accessibility, and service to find the best ones. Here's what people think about Co-operative Insurance Companies.

Co-operative Insurance Companies (Co-op) at a Glance

  • Founded in 1915
  • Offers several types of coverage
  • Rated "A" (excellent) by AM Best
  • Rated "A+" (excellent) by the Better Business Bureau (BBB)
  • 24/7 phone claims reporting

Co-op pros: High ratings by AM Best and the BBB. Personal and business coverages offered. Several discounts available. Long-standing history in the insurance industry. 24/7 claims reporting.

Co-op cons: Not BBB accredited. Not much detail about exact discounts provided. Somewhat limited social media presence. 

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does Co-op Offer?

Here's an overview of the products offered by Co-op:

  • Homeowners insurance
  • Auto insurance
  • Umbrella insurance
  • Commercial auto insurance
  • Farm insurance
  • Mobile home insurance
  • Workers' comp
  • Flood insurance
  • Health insurance
  • Life insurance

Your independent insurance agent can help you find more information about all the coverages offered by Co-op, and help you decide if this insurance company is right for you.

What to Know about Co-operative Insurance Companies

Founded in 1915, Co-operative Insurance Companies, or Co-op, has been in the insurance industry for more than a century. The carrier sells several types of personal and business coverages, including home insurance, flood insurance, workers' comp, and auto insurance. The carrier's headquarters is in Middlebury, VT.

Co-op claims to have written more than $86.7 million in premiums last year. The carrier originally focused on farm insurance, but over time has greatly expanded its catalog. Today, the insurance company has more than 75,000 total policies in force.

Thanks to their extensive history in the insurance industry and large catalog of products, Co-operative Insurance Companies has earned a reputation over time as a reputable and financially sound insurance company. AM Best gives Co-op an overall “A” rating, indicating the carrier is an excellent choice.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 


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What Discounts Does Co-op Offer?

Co-op offers several discounts on many of its products. Here are just a few they advertise for their auto insurance:

  • Safety equipment discount: Awarded to customers whose vehicles come with airbags, anti-lock brakes, daytime running lights, and anti-theft devices.
  • Defensive driving course discount: Awarded to auto insurance customers who complete a state-approved defensive driving course.
  • Bundling discounts: Awarded to customers who bundle more than one type of coverage through Co-op, such as auto and life insurance.

Co-op does not provide further details about how to qualify for these discounts, or how much they'll save you on your coverage. For more information about Co-op's discounts, work with an independent insurance agent. Independent insurance agents work hard to get you the most affordable coverage.

Co-op Customer Service

Here's a breakdown of Co-op's customer service options and availability:

  • Phone 
  • Snail mail
  • Contact form on website
  • 24/7 phone claims reporting
  • Customer service department has the following hours:

Day Hours (ET)

Monday-Friday 8 am - 4:30 pm

Saturday CLOSED


To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

Co-operative Insurance Companies FAQ

What is Co-op's average claim response time frame?

Co-op does not provide a claim response time frame.

What is Co-op's customer service availability?

Co-op is available at regular hours during the week. Their claims department is available 24/7.

What is Co-op's claims process?

Co-op's official website does not detail their claims process in depth. An independent insurance agent can file claims for you and keep you updated through every step of the process, however. 

Does Co-op create a user-friendly experience for customers?

Co-op's official website is easy to navigate and well detailed. Overall, the carrier does provide a good, user-friendly experience for customers. 

Does Co-op have good farm insurance?

Co-op's original focus as an insurance company was on farm coverage. Here are a few specifics about their farm insurance:

  • Covers most farming operations including "dairy, horse, poultry, sheep, deer, emu, and tree"
  • Covers the home, outbuildings, and personal property
  • Provides incidental coverage for many losses such as spoiled milk and natural disasters
  • Provides lost income and extra expenses coverage
  • Offers a zero deductible option

Your independent insurance agent can help you decide if Co-op's farm insurance is right for you.

Is Co-op a good insurance company?

Co-op has been around for more than a century and has high ratings from AM Best and the BBB. Customer feedback is mostly positive, and the insurance company offers 24/7 claims reporting. So yes, Co-op can be considered a good insurance company.

Co-operative Insurance Companies Customer Reviews

I will continue to use them and would recommend them to a friend. Just make sure that you have your address updated as soon as you move or else your pink card might not make it to you and the ticket for that is quite costly.

I have nothing significant to comment on. This carrier has reasonable rates and is easy enough to work with.'s Final Review

We award Co-operative Insurance Companies a final rating of 3 out of 5 stars. The insurance company is highly rated by AM Best and the BBB, however, is not BBB accredited. They offer several forms of coverage for businesses and individuals.

Customer feedback for Co-op seems to be mostly positive. The carrier offers 24/7 claims reporting and has several discounts available. Overall, we do recommend looking into Co-operative Insurance Companies with the help of an independent insurance agent to be your next trusted carrier.

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