Mendota Insurance Company Review

Everything you need to know

Mendota Insurance at a Glance

  • Mendota Insurance is a non-standard insurance company that writes automobile policies for medium- to high-risk drivers in nine states (Arizona, Arkansas, California, Colorado, Florida, Georgia, Minnesota, Mississippi, and Virginia)
  • The company was founded in 1989
  • Mendota Insurance is a subsidiary of Premier Holdings Inc., which bought the company in 2018 from Kingsway Financial Services
  • Mendota Insurance’s products are marketed exclusively by independent agents

Mendota Insurance pros: Mendota insures high-risk drivers who may not be able to get coverage elsewhere. The claims department is available 24/7, and the company offers flexible payment options and a toll-free customer service line.

Mendota Insurance cons: Mendota’s website is outdated and does not provide a lot of information about products and services. Customer satisfaction ratings are low. The company is not accredited by the BBB, nor is it rated by AM Best.

What Type of Insurance Does Mendota Offer?

Mendota specializes in auto insurance for policyholders who may have difficulty getting insurance from other sources.

The company also offers flood insurance that is underwritten by the American Bankers Insurance Company of Florida. The program is backed by the federal government.

  • Car insurance: Mendota's auto insurance is designed for a broad range of drivers including those who may have difficulty obtaining insurance from other sources. 
  • Flood Insurance: Marketed by Mendota Insurance Company and underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC is rated "A" (Excellent) by AM Best. The program is 100% backed by the federal government.

Mendota Insurance’s products are marketed exclusively by independent agents, and Mendota Insurance strives to be highly personalized to the policyholder. 

Using our insurance company directory can help you find the best insurance companies that specialize in your specific coverage needs. The company directory can also help you get connected to an agent near you.

What to Know about Mendota Insurance

Mendota Insurance has been in business since 1989 and offers auto insurance in the non-standard market. It is difficult to find information about the company’s history or specific product offerings.

Mendota car insurance is sold by independent insurance agents across the country. The company also offers flood insurance underwritten by American Bankers Insurance Company.

What Discounts Does Mendota Insurance Offer?

The company does not make available on its public website information about its specific discounts or reward programs. Drivers who have had prior coverage or have a clean driving record may be eligible for lower rates.

Mendota Insurance Customer Service

Here’s what you need to know about Mendota’s customer service options.

  • Customer service contact via phone, email, mail, and fax
  • 24/7/365 claims reporting by phone
  • Customer service department has the following hour restrictions


Hours (CST)


Monday-Friday 8:00 am - 6:00 pm

The best way to handle your customer service needs is to work with an independent insurance agent. These agents help make customers service easier for you by handling claims and other concerns.

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Mendota Insurance FAQ

What is Mendota’s average claim response time frame?

Mendota has a 24/7 claim reporting line, and the company also allows for online claim reports at MyMendota.com. This same website can be used to follow up and track the progress of a claim. 

According to the company, the faster you report your loss to Mendota, the faster it can begin handling your claim without delay. Each claim is different and therefore the length of time needed to settle your claim depends on many factors. The type of claim, severity of the damage, and other circumstances will all determine the time it will take to settle your claim. 

Your Mendota claim representative will help you through each step of the process and can answer any questions you have about your claim.

Mendota offers an online portal, MyMendota.com for its customers where they can file and check on the status of claims. Customers can also contact the company by phone, email, and regular mail.

What is Mendota’s claims process?

Customers may report claims online at MyMendota.com or by calling Mendota’s toll-free claims reporting line 24/7/365.

Your agent will be informed of the details of your claim shortly after it has been reported. Depending on the type of claim you are reporting, the following information may be needed.

  • Policy number
  • Date of incident
  • Name, address, phone number
  • Description of incident
  • Description of injuries, if any
  • Vehicle damage information for your vehicle
  • Vehicle damage information for other drivers
  • Names and phone numbers for any witnesses
  • Copy of police report or report number if a police report has been filed

You can view your claim status online by logging into MyMendota.com or by calling your claim representative.

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

Mendota’s official website offers minimal information and is outdated and not user-friendly. Information about policy options is not available, nor is the list of states where coverage is available easy to find. Some customer service actions can be completed online, and claims can be filed and viewed online as well.  The company has a limited social media presence.

Does Mendota have good car insurance?

The Mendota website does not offer details about its car insurance policies, coverage options, rates, or discounts. Companies that offer coverage to high-risk drivers typically offer coverage that satisfies the state’s minimum coverage requirements, with a few options like adding comprehensive or collision coverage for those who qualify.

The company states that it offers low down payments, competitive pricing, flexible payment options, 24/7/365 claims reporting, and toll-free customer service.

Is Mendota Insurance a good insurance company?

Mendota Insurance provides auto insurance to those considered to be medium- to high-risk drivers who might have a hard time finding coverage elsewhere. Customers can file claims 24/7, and it offers several other conveniences like flexible payment options and low down payments.

Overall, drivers looking for no frills coverage may want to look into Mendota Insurance to see if it’s a good option.

Mendota Insurance Customer Reviews

Clearsurance
“We have never had an issue with Mendota. We can reach them through their customer service number or online. We have a male teenage driver and we can still afford good insurance thanks to Mendota.”


Clearsurance
“Mendota was very hard and difficult to work with. Their customer service was horrible. I had a problem with payment on my policy and they refused to help. I’m so glad that I don’t have them anymore.”


Consumer Affairs
“Mendota provided my required insurance sufficiently. The only contact I initiated was when my rates actually increased after my policy renewed several times. I was not happy with the increase at all.”


Consumer Affairs
“It is very hard to call customer service. You have to say you're making a payment to get a live person. Otherwise, getting through the prompts are impossible. The customer service is terrible. This company is not reputable and should be shut down. The website is a joke. Can't even print your ID card from it. Terrible!”


Consumer Affairs
“I have had Mendota Insurance for 3 years and the overall experience is good. I dislike how my rates have been changing every 6 months. I don’t understand how if I live in the same city and same town that I did 6 months ago but my rates change without even being in an accident.”


TrustedChoice.com's Final Review

We award Mendota Insurance a final rating of 2.0 out of 5 stars. The company provides non-standard car insurance for individuals in nine states. The website offers minimal information about coverage options and discounts. But we do know that the insurance company does offer affordable coverage for people with accidents on their driving records or no prior coverage.

Customers report both positive and negative experiences with the carrier. Customers like being able to get coverage in difficult situations, but getting customer service and speaking to a “live” person is a point of contention.

Mendota Insurance does have 24/7/365 claims reporting and extended service hours during the week. But its outdated and low-information website can be a barrier for customers who increasingly want to take care of business online.

All in all, we recommend considering Mendota if you’ve got a problem with your driving record or are having trouble finding coverage elsewhere, and you live in Arizona, Arkansas, California, Colorado, Florida, Georgia, Minnesota, Mississippi, or Virginia.

For drivers with clean records and who want more coverage options, discounts, and perks, we suggest looking for car insurance elsewhere.

Use our national independent agent carrier directory to find the best insurance companies to meet your needs. Locate companies that specialize in your specific coverage needs and get connected to an agent near you.

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https://www.mendota-insurance.com

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