Meemic Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Trusted Choice's Meemic Insurance Score
3.5 Stars
We award Meemic a final rating of 3.5 out of 5 stars. The insurance company has seven decades of experience in the insurance industry. While the carrier is ranked highly through AM Best and the Better Business Bureau, it is not accredited by the latter organization.
Meemic currently only offers coverage in four states, which greatly limits its reach. However, the insurance company provides 24/7 claims reporting and has an extensive social media presence, making the carrier highly accessible to customers.
Meemic was founded in 1950. Its name originally stood for "Michigan Educational Employees Mutual Insurance Company." The insurance company was created by a small group of educators with the mission to provide affordable, quality coverage for other teachers.
Meemic has since expanded its catalog to offer many different coverages, including homeowners insurance, umbrella insurance, recreational vehicle insurance, and more. It is a subsidiary of Auto Club Insurance Association, which is the second largest provider of auto insurance in Michigan.
Meemic caters to teachers and educators and related staff members of public or charter schools, as well as private or parochial schools and colleges/universities. The insurance company’s memberships come with discounts and other benefits.
Meemic currently only offers coverage to educators in four states, including Illinois, Georgia, Wisconsin, and Michigan. Overall, if coverage is available to you, we recommend looking into the products offered by Meemic.
Meemic Insurance Company Pros and Cons:
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Meemic Insurance Products by Type
Meemic offers a variety of insurance choices for individuals. Its products include:
Vehicle & Auto Insurance:
Home & Property Insurance:
Other Insurance:
Meemic Auto Insurance
Meemic Insurance offers all the types of personal car insurance you need in its standard policies. This insurance includes essential bodily injury liability coverage. Policies can also be customized to add the following types of coverage.
Coverage types, features, and benefits:
Personal injury protection
Meemic's auto insurance policies can include personal injury protection (PIP) coverage to reimburse you for medical treatments necessary for injuries to you and/or your passengers after an accident, regardless of fault.
Uninsured/underinsured motorist
Meemic's auto insurance policies can include uninsured or underinsured motorist coverage to pay for accidents with another driver who doesn't carry any or enough coverage of their own to properly reimburse you. This coverage can also reimburse you if you're involved in an accident with a hit-and-run driver.
Collision & comprehensive
Meemic's auto insurance policies can also be customized to include collision and/or comprehensive coverage. Collision coverage pays for damage to your car from a collision with another object, regardless of fault, while comprehensive coverage pays for damage to your car due to a non-collision event such as a flood or theft.
Meemic Auto Insurance Average Prices
Meemic offers some of the cheapest car insurance available in Michigan at just $1,632 per year or $136 per month. Compared to the state's average car insurance rate of $2,425 per year, Meemic customers can save a considerable amount on their policies.
These average rates are based on a car insurance policy with the following coverage limits and deductibles:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000
- Uninsured/underinsured motorist: $50,000 per person and $100,000 per accident
- Deductibles: $500 for comprehensive and $500 for collision
What Discounts Does Meemic Offer?
Meemic offers several competitive discounts for its customers, especially on auto insurance. Its discounts include:
- Newly certified teacher discount: Offered to auto insurance customers who have recently become certified teachers for their first seven years of coverage.
- Paid-in-full discount: Offered to auto insurance customers who pay their entire year’s premium upfront, rather than in monthly increments.
- Multi-policy discount: Offered to customers who insure both their car and home through Meemic.
- Anti-theft discount: Offered to auto insurance customers who install anti-theft devices in their vehicles.
- Advance purchase discount: Offered to customers who buy their policies at least a few days before coverage goes into effect.
- Paperless discount: Offered to customers who choose to receive electronic bills and policy documents.
Your independent insurance agent can help you find more information on additional discounts offered by Meemic and other ways to save money through the insurance company, helping you find the coverage you need at the rate you deserve.
Meemic Customer Service
Meemic allows customers to report claims via phone or online at any time. The carrier also provides the following customer service options:
- Online claims reporting
- Phone claims reporting
- Fax claims reporting
- Contact form on website
- Online bill pay
- Snail mail
- Customer service phone department has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 7:30 a.m. - 7 p.m. | ||
| Saturday | 9:30 a.m - 4 p.m. | ||
| Sunday | Closed |
The best way to ensure a smooth customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.
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Meemic Insurance FAQs
Meemic allows customers to report their claims 24/7. Their official website states that customers will typically be contacted within one business day of submitting a new claim.
Meemic allows customers to file claims anytime over the phone, online, via fax, or through snail mail. The carrier’s phone department for customer service inquiries is available at extended hours, Monday-Saturday. Customers can pay their bills through the official website as well. The carrier also has an extensive social media presence across Facebook, X, YouTube, Instagram, and LinkedIn, which makes it even more accessible to customers.
Meemic allows its customers to file claims anytime through multiple media. The official website details the carrier's claims process, which is broken down into three simple steps: the customer filing the claim, the carrier assessing the damage, and then determining and disbursing a settlement.
Meemic’s official website is attractive, highly intuitive, and easy to navigate. Prospective and current customers can both easily locate pertinent information, and pages are detailed well enough to provide satisfactory responses.
The carrier also displays specific information about its claims process and discount options, which is a courtesy not provided by all insurance companies. Meemic offers 24/7 claims reporting for its customers through multiple mediums as well. Overall, Meemic’s user-friendliness experience is on par with the best carriers around today.
Meemic offers a wide selection of coverages, including auto insurance. The insurance company offers the following coverages for auto insurance customers:
- Personal injury protection
- Bodily injury liability coverage
- Uninsured/underinsured motorist coverage
- Collision coverage
- Comprehensive coverage
Your independent insurance agent can help you find out even more about Meemic’s auto insurance policies, as well as its other products.
Meemic has been around for nearly 75 years. The insurance company has an excellent rating through AM Best and a good rating through the BBB. While there is some mixed customer feedback, many glowing reviews can be spotted across the web. With all of these factors combined with a respectable catalog of insurance products, Meemic can arguably be considered a good insurance company.
Meemic's insurance products may be right for customers located in the four states in which coverage is currently available, including Illinois, Michigan, Wisconsin, and Georgia. Drivers in Michigan who are in search of highly affordable auto insurance especially may find the policy they're seeking from Meemic.
Meemic is known for offering very affordable auto insurance, particularly in Michigan. Meemic's car insurance policies average just $1,632 per year or $136 per month in Michigan, which is well below the state's average cost.
https://www.meemic.com/why-meemic/about-meemic
https://www.linkedin.com/company/meemic-insurance-company/
https://news.ambest.com/newscontent.aspx?altsrc=23&refnum=125561
https://www.bbb.org/us/mi/auburn-hills/profile/insurance-services-office/meemic-0332-5753
https://www.policygenius.com/auto-insurance/best-car-insurance-in-michigan/