MMG Insurance Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Overall MMG Insurance Final Score
4.5 Stars
MMG Insurance was founded in 1897, giving the carrier well over a century of experience in the insurance industry. The company offers an extensive catalog of coverage options for individuals and businesses, including personal and commercial umbrella insurance, homeowners insurance, personal and commercial auto insurance, and more. The insurance company is headquartered in Presque Isle, Maine.
Today, MMG offers its products in five states: Maine, New Hampshire, Vermont, Pennsylvania, and Virginia. The insurance company works with a team of more than 3,000 independent insurance agents to help provide a more comprehensive and personalized experience for its customers.
Thanks to its extensive history, amount of insurance in force, and catalog of coverages offered for individuals and businesses, MMG has become known as a financially sound insurance company with a strong outlook for the future. AM Best, the leading global credit rating agency monitoring the insurance industry, gives MMG an “A” (Excellent) rating, indicating the carrier is an excellent choice for insurance customers. High ratings from AM Best assure customers that MMG is capable of offering guaranteed, secure coverage from a trustworthy and reputable insurance carrier.
MMG Insurance is also accredited by the Better Business Bureau (BBB), which rates the carrier "A+".
We award MMG Insurance a final rating of 4.6 out of 5 stars. MMG has been in the insurance industry for more than a century, which has given them plenty of time to master their craft, and it shows. While coverage is only available in five states, MMG provides several insurance solutions for customers within those areas, including personal and business products.
The carrier is highly rated by AM Best and the BBB and has demonstrated solid financial strength over the years. MMG offers 24/7 claims reporting over the phone and match-with-an-agent and request-a-quote services through its website. Plus, we love that the insurance company works exclusively with independent insurance agents, which allows customers to have the best experience possible from every angle.
Further, there are many glowing customer reviews spotted across the web. All things considered, we highly recommend looking into MMG Insurance with your independent insurance agent.
MMG Insurance Pros and Cons
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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.
MMG Insurance Products
MMG Insurance offers a variety of coverage solutions for individuals and businesses, including:
Personal Insurance
- Homeowners insurance
- Dwelling fire insurance
- Auto insurance
Commercial Insurance
- Commercial auto insurance
- Business owners policies
- Commercial package policies
- Farm owner insurance
- Farm owner umbrella insurance
- Commercial umbrella insurance
- Special trade contractor insurance
Your independent insurance agent can help you decide if MMG has the right type of coverage to best meet your needs.
MMG Insurance Auto Insurance
MMG Insurance offers a wide array of car insurance coverage. A comprehensive Personal Auto Policy from MMG provides a wide range of liability and uninsured/under-insured motorist limits, as well as exceptional rates for the safe, experienced driver and competitive rates for customers selecting higher physical damage deductibles.
Your independent insurance agent can help you learn more about the specific coverage types included in an MMG auto insurance policy, as well as the endorsements that are available to enhance your coverage. Combining your MMG car insurance policy with another MMG policy, like homeowners insurance, will offer savings opportunities.
MMG Insurance auto insurance average prices
MMG Insurance has below-average prices, which is great news for the carrier's customers.
The average cost of car insurance is $147 per month, or $1,759 per year. MMG's rates for auto insurance are around $78.16 per month, or $938 per year, making it a very affordable option for drivers in the company's service area.
MMG Insurance Homeowners Insurance
A comprehensive homeowners insurance policy from MMG includes all of the standard coverages you'd expect, plus:
- Special personal property coverage
- Earthquake coverage
- Computer coverage
- Ability to earn premium saving credits, including a longevity credit, portfolio credit (package two or more MMG policies and save), deductible credit, protective device credits, etc.
With MMG's Home Advantage and Home Advantage Ultra programs, you'll gain the following additional coverage and benefits (as needed):
- Medical payments to others
- Coverage for securities, accounts, deeds, evidence of debt, letters of credit, etc.
- Coverage for watercraft of all types, including trailers, furnishings, outboard motors, etc.
- Coverage for trailers or semi-trailers not used with watercraft
- Extended coverage for loss by theft of jewelry, watches, furs, precious & semi-precious stones
- Extended coverage for loss by theft of silverware, goldware, etc.
- Coverage for money, bank notes, bullion, gold other than goldware, etc.
- Up to an additional 25% on insurance on your dwelling coverage
- Personal property coverage increased to 70% of your dwelling amount
- Personal property replacement cost coverage
- Refrigerated property coverage
- Special computer coverage
- Water backup and sump discharge or overflow coverage
- Replacement cost coverage for certain non-building structures
- Identity fraud coverage
- Personal injury coverage
- Protection for covered losses you incur from credit card theft, electronic funds transfer card or access device, forgery, or counterfeit money up to $5,000.
An independent insurance agent can help you learn more about MMG's home insurance coverage options and which ones are right for you.
What Discounts Does MMG Insurance Offer?
MMG offers opportunities for premium credits on its homeowners policies in addition to "portfolio" savings if you bundle two or more policies. Additional savings opportunities can be found with help from your independent insurance agent.
MMG Insurance Customer Service
MMG allows its customers to file claims over the phone at any time. The carrier provides the following customer service options:
- 24/7 phone claims reporting
- Online bill pay
- Snail mail contact option
- General contact form available through website
The customer service department has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 8 am-4:30 pm |
The best way to handle your customer service needs is to work with an independent insurance agent. These agents help make customer service easier for you by handling claims and other concerns.
Connect with a MMG Agent Today.
Shopping for insurance? MMG has you covered.
MMG Insurance FAQs
MMG allows customers to file claims at any time over the phone. The carrier’s public website states that customers should be contacted by the next business day after filing a claim.
MMG’s phone line for customer service issues is available during restricted hours, Monday-Friday. The insurance company allows customers to file claims over the phone at any time. The carrier also has a social media presence on Facebook, YouTube, Instagram, and LinkedIn, which makes it more accessible to customers.
MMG Insurance instructs customers to file claims by contacting their independent insurance agent. In addition, customers can file claims 24/7 by phone directly to MMG. After regular business hours or during a holiday, an after-hours claims representative will take your loss information and notify MMG on the next business day. If your claim involves a severe loss, a member of the staff will contact you immediately. A severe loss could involve a death, a severe injury, or a severe fire.
MMG’s website is well laid out and easy to navigate. Pages are fleshed out enough to provide satisfactory details for customers, and important information is simple to locate. MMG’s website would benefit from adding a detailed claims process, however.
The insurance company offers several modern customer service options, such as online get-a-quote and find-an-agent features. The carrier works exclusively with independent insurance agents to ensure its customers are taken care of as much as possible. MMG also has an active presence on social media, overall making for a user-friendly experience.
MMG provides a good selection of coverages for individuals and businesses, including homeowners insurance. In addition to typical coverage, the carrier offers special programs to enhance its homeowners coverage: the Home Advantage and Home Advantage Ultra plans.
Your independent insurance agent can help you find even more information about MMG’s homeowners insurance and Home Advantage plans, as well as the carrier's many other coverages.
MMG Insurance has been around for well over a century. The insurance company is highly rated by AM Best and the BBB. MMG also provides a sizable selection of coverage options for individuals and businesses. Additionally, the carrier provides a user-friendly experience for its customers and works with independent insurance agents. Overall, MMG can indeed be considered a good insurance company.
https://www.mmgins.com
https://www.bbb.org/us/me/presque-isle/profile/insurance-companies/mmg-insurance-company-0021-32850