Mountain States 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 Mountain States Insurance.

Mountain States Insurance Company at a Glance

  • Founded in 1937
  • A member of the Donegal Insurance Group
  • Offers both commercial and personal insurance
  • Rated "A" (excellent) by AM Best
  • Not rated by the Better Business Bureau (BBB)
  • 24/7 claims reporting

Mountain States Insurance pros: Longstanding carrier with several decades of experience in the industry. High rating through AM Best. Several forms of commercial and personal coverage available. 24/7 claims reporting.

Mountain States Insurance cons: Not rated or accredited by the BBB. Difficult to find customer feedback. Website could use more detail about coverages. Coverage only available in a handful of states.

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 Mountain States Insurance Offer?

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

  • Business owners insurance
  • Commercial auto insurance
  • Liquor liability insurance
  • Employment practices liability insurance
  • Contractors errors & omissions insurance
  • Workers' comp insurance
  • Commercial garage insurance
  • Personal auto insurance
  • Homeowners insurance

This list of products offered by Mountain States Insurance is not exhaustive. Your independent insurance agent can help you find more information about the coverages offered by Mountain States Insurance and help you decide if this insurance company is right for you.

What to Know about Mountain States Insurance

Mountain States Insurance is a member of the Donegal Insurance Group, which was founded in 1889, giving the company well over a century and a quarter's worth of experience within the insurance industry. Mountain States Insurance got its start as an individual company in 1937 by offering workers' comp coverage to businesses in New Mexico. 

The carrier became part of Donegal Insurance Group in 2017. Today, Mountain States Insurance offers its coverage to professionals in Colorado, New Mexico, Texas, and Utah. The insurance company caters to businesses, offering several coverages such as business owners policies, commercial auto insurance, commercial garage insurance, and more. The carrier also offers a select few personal coverages like home and auto insurance.

Thanks to their strong parent company, Mountain States Insurance has earned itself a reputation as a stable carrier with a strong future outlook. AM Best gives the insurance company 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 Mountain States Insurance Offer?

Mountain States Insurance offers the following discounts on its personal auto policies.

  • Loss free discount: Offered to customers who have remained loss-free for a certain amount of time. 
  • Longevity discount: Offered to customers who remain with Mountain States Insurance over a specified period.
  • Multi-car discount: Offered to customers who insure more than one vehicle through Mountain States Insurance. 
  • Good student discount: Offered to customers who are good students and maintain a high grade average. 
  • Account credit discount: Offered to customers who have other selected accounts with Mountain States Insurance.

An independent insurance agent can help you find even more discounts available through Mountain States Insurance. When it comes to coverage, independent insurance agents help you get the most bang for your buck.

Mountain States Insurance Customer Service

Here's an overview of Mountain States Insurance's customer service options and availability. 

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


Hours (ET)


Monday-Friday 8 am - 6 pm


Saturday CLOSED


Sunday 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.

Mountain States Insurance FAQ

What is Mountain States Insurance's average claim response time frame?

Mountain States Insurance does not make a specific claims response time frame promise.

What is Mountain States Insurance's customer service availability?

Mountain States Insurance is available at extended hours via phone, Monday-Friday. The carrier also offers 24/7 phone and online claims reporting.

What is Mountain States Insurance's claims process?

Mountain States Insurance does not provide much information about its claims process. However, an independent insurance agent can help by filing claims for you, and keep you updated through every step of the process.

Does Mountain States Insurance create a user-friendly experience for customers?

Mountain States Insurance's official website is fairly easy to navigate, but would benefit from including more details about the carrier's claims processes, discounts and coverages.

Does Mountain States Insurance have good BOP insurance?

Mountain States Insurance offers several commercial coverages, including BOP insurance. The carrier's BOP insurance offers the following.

  • Commercial property coverage
  • Business income coverage
  • Equipment breakdown coverage
  • Commercial general liability coverage

An independent insurance agent can help you find more information about Mountain States Insurance's BOP coverage, as well as their many other products.

Is Mountain States Insurance a good insurance company?

Mountain States Insurance is highly rated by AM Best. However, the carrier is not rated or accredited by the BBB. It's also difficult to find any customer feedback about the insurance company, so it's hard for us to say whether Mountain States Insurance can be considered a good insurance company.

TrustedChoice.com's Final Review

We award Mountain States Insurance a final rating of 2.5 out of 5 stars. The carrier has been around for several decades and is highly rated by AM Best. However, Mountain States Insurance is not rated or accredited by the BBB, and it's extremely difficult to find any customer feedback.

Mountain States Insurance offers several commercial coverages and a few personal coverages in a handful of states. If you're in the area and in need of coverage, we recommend looking into several options along with Mountain States Insurance to be your next trusted carrier. An independent insurance agent can greatly aid you in your search.

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