IMT 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 IMT Insurance.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.


IMT Insurance Company at a Glance

  • Founded in 1884
  • Offers personal and business coverages
  • Coverage available in six states
  • Rated "A" (excellent) by AM Best
  • Rated "A+" (excellent) by the Better Business Bureau (BBB)
  • 24/7 claims reporting

IMT Insurance pros: Longstanding history in the industry. Highly rated by AM Best and the BBB. Offers several coverage types, including personal and business lines. Excellent ratings by customers. Great user-friendly experience. Works with independent insurance agents.

IMT Insurance cons: Coverage not available nationwide. 

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 IMT Insurance Offer?

Here's an overview of the products offered by IMT Insurance.

  • Auto insurance
  • Home insurance
  • Inland marine insurance
  • Personal umbrella insurance
  • Boat insurance
  • Farm insurance
  • Commercial auto insurance
  • Businessowners insurance
  • General liability insurance
  • Commercial property insurance
  • Workers' compensation
  • Commercial umbrella insurance

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

What to Know about IMT Insurance

Founded in 1884, IMT Insurance has been offering coverage for more than 130 years. The insurance company is headquartered in West Des Moines, Iowa. The carrier offers its coverage in six states currently, including Iowa, Illinois, Minnesota, Nebraska, South Dakota, and Wisconsin. 

IMT Insurance offers personal and business products, including auto insurance, commercial property insurance, personal and commercial umbrella insurance, and more. Its products are sold exclusively through independent insurance agents to provide customers with the best overall experience possible. There are more than 200 employees on the carrier's LinkedIn network.

Thanks to its extensive history and work with independent insurance agents, IMT Insurance has earned a reputation over time as a stable and reliable insurance company. AM Best gives IMT Insurance an overall “A” rating, indicating the carrier is an excellent choice for insurance customers.

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 IMT Insurance Offer?

IMT Insurance lists the following discounts on their personal auto insurance on their official website.

  • Driver at-fault free
  • Driver conviction free
  • Accident prevention
  • Customer loyalty
  • Financial stability
  • Good student
  • Multi-policy
  • Multi-car
  • Paid in full
  • Tenured driver

IMT 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 IMT's available discounts, work with an independent insurance agent. Independent insurance agents work hard to get you the most affordable coverage.

IMT Insurance Customer Service

Here's a breakdown of IMT Insurance's customer service options and availability.

  • Phone contact option
  • Fax contact option
  • General contact form on website
  • Snail mail contact option
  • 24/7 phone claims reporting
  • Customer service department does not have hours restrictions

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.

IMT Insurance FAQ

What is IMT Insurance's average claim response time frame?

IMT Insurance promises to call customers within one business day of receiving a claim.

What is IMT Insurance's customer service availability?

IMT Insurance provides 24/7 claims reporting via phone and also allows customers to contact them via fax, snail mail, or through the official website.

What is IMT Insurance's claims process?

IMT Insurance lists their claims process as follows on the official website.

"How to Make a Claim

To report a claim, please contact your local IMT Independent Insurance Agent.

If your agent is unavailable, contact our office 24 hours a day, 7 days a week at 800-274-3531.

Once your claim has been reported to IMT, we will assign your file to one of our claim representatives. In most cases, the claim representative will call you within one business day to discuss your claim and potentially set an appointment to meet with you. In other cases, we may simply process your claim and issue a payment immediately. Please feel free to call us at any time with questions or concerns regarding the status of your claim."

Does IMT Insurance create a user-friendly experience for customers?

IMT Insurance's official website is excellent. Information can easily be found quickly. They also offer 24/7 claims reporting and have an active social media presence on YouTube, FaceBook, and LinkedIn. Overall, IMT Insurance provides a highly user-friendly experience.

Does IMT Insurance have good auto insurance?

IMT Insurance offers several forms of coverage, including personal auto insurance. The following coverages are available as part of their personal auto insurance policies.

  • Liability
  • Medical payments
  • Personal injury protection
  • Physical damage
  • Rental car coverage
  • Increased transportation expense
  • Identity recovery
  • New car replacement
  • Lock replacement
  • Locked vehicle
  • Pet injury
  • Theft of personal belongings
  • Glass repair
  • Guaranteed auto repairs

An independent insurance agent can help you find more information about IMT Insurance's auto coverage as well as their many other products offered, and help you decide if this is the right policy for you.

Is IMT Insurance a good insurance company?

With a longstanding history in the industry combined with high ratings through AM Best and the BBB, and an insurance catalogue that includes personal and business coverages, yes, IMT Insurance can be considered a good insurance company.

IMT Insurance Customer Reviews

4.5/5 stars
You don't think you will ever need to file a claim for being robbed, but it happens. IMT was on the ball and had an adjuster out to us the next day. She guided us through the process and took care of all the filings that were needed. IMT called and was in contact with us throughout. I have been with them for over ten years now, before that I would change agencies every two/three years.

5 Stars
My experience with IMT insurance was outstanding. On January 3, 2020, my husband hit a deer and our car was totaled. We had full reimbursement for our towing bill, which we had to pay to the towing company (another bad story) before our car could be released and the check for our car on January 13, 2020. [REDACTED NAME] was our adjuster and he was awesome in getting everything organized and getting us our reimbursement.

5 Stars
Decent company to work with. Works well with us on payments and claims. Local agent. Coverage is great.

5 Stars
IMT is very quick on the claim process, I was involved in an accident the adjuster was looking at the car within an hour, the car was in the shop the next day with a rental waiting for me, the entire process was very painless and extremely simple on my part.

5 Stars
I had a broken windshield. I went online and scheduled an appointment to have it replaced. It went very smoothly and I didn't have to do anything else beside go to the appointment.'s Final Review

We award IMT Insurance a final rating of 3.5 out of 5 stars. The carrier has a longstanding history of well over a century and a quarter in the industry, and offers a good selection of personal and business products. IMT is also highly rated by both AM Best and the BBB.

We love that IMT works with independent insurance agents, and their customer reviews are mainly glowing. The carrier also provides a highly user-friendly experience with an excellent website and social media presence.

Overall, we highly recommend looking into IMT Insurance company with the help of your independent insurance agent to be your next trusted carrier, if you live in an area where coverage is available.

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