Pioneer State Mutual 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 Pioneer State Mutual Insurance Company.

Pioneer State Mutual (PSM) Insurance Company at a Glance

  • Founded in 1908
  • Offers personal and business insurance
  • Large selection of coverages
  • Rated "A+" (superior) by AM Best
  • Rated "A-" (excellent) by the Better Business Bureau (BBB)
  • Workers with independent insurance agent
  • Discounts available
  • After-hours claims reporting

PSM pros: More than a century's experience in the industry. High ratings by AM Best and the BBB. Good customer feedback. Personal and business coverages available. Large selection of coverages. Works with independent insurance agents. After-hours claims reporting offered. Excellent website. 

PSM cons: Not accredited by the BBB.

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What Type of Insurance Does Pioneer State Mutual Offer?

Here's a breakdown of the products offered by PSM.

  • Farmowners insurance
  • Homeowners insurance
  • Auto insurance
  • Business insurance
  • Renters insurance
  • Condo insurance
  • Personal umbrella insurance
  • Mobile home insurance
  • Motorcycle insurance
  • Commercial auto insurance
  • Workers' comp
  • Commercial umbrella insurance

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

What to Know about Pioneer State Mutual

Founded in 1908, Pioneer State Mutual has more than a century's worth of experience in the insurance industry. The insurance company offers personal and business products, including home insurance and farm insurance. The carrier is headquartered in Flint, MI.

PSM works with a network of independent insurance agents to help provide the most personalized and comprehensive experience possible for its prospective and existing policyholders. Their large catalogue of products makes them appealing to many types of customers. There are 142 employees on their LinkedIn network.

Thanks to its rich, extensive history and network of independent insurance agents, Pioneer State Mutual has earned a reputation over time as a reputable and financially sound insurance company. AM Best gives Pioneer State Mutual an overall “A+” rating, indicating the carrier is a superior choice.

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 Pioneer State Mutual Offer?

Here's a list of the discounts offered by PSM on their homeowners insurance.

  • Group member
  • Mortgage free
  • Smoke free
  • Claim free
  • Loyalty
  • Senior citizen
  • New home
  • Construction credit
  • New roof
  • Fire alarm
  • Burglar alarm
  • Sprinkler
  • Multi-policy credit (with auto or umbrella)

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

Pioneer State Mutual Customer Service

Check out a summary of PSM's customer service options and availability below.

  • Phone contact option
  • Email contact option
  • Snail mail contact option
  • Online claims reporting
  • Mobile app available
  • Customer service phone department has the following hours

Hours (ET)

Monday-Thursday 7:30 am - 4:30 pm

Friday 7:00 am - 1:30 pm

Saturday-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.

Pioneer State Mutual FAQ

What is PSM's average claim response time frame?

PSM does not offer a specific claims response time frame.

What is PSM's customer service availability?

PSM is available at extended hours Monday-Thursday, and limited hours on Fridays. The carrier offers after-hours and emergency claims reporting by phone as well as online claims reporting.

What is PSM's claims process?

PSM does not provide much detail about their claims process beyond how to file. However, an independent insurance agent can file claims for PSM's policyholders and update them through every step of the process.

Does PSM create a user-friendly experience for customers?

PSM's official website is easy to navigate and provides lots of detail about their coverages, as well as a list of available discounts. The carrier is also active on social media, which improves their user-friendliness experience even more.

Does PSM have good homeowners insurance?

PSM offers the standard protections under their homeowners policies, as well as the following extras.

  • Debris removal
  • Temporary repairs to protect from further damage
  • Trees, shrubs and other plants
  • Fire department service charge
  • Property removed to prevent further damage
  • Credit card, fund transfer card, forgery and counterfeit money
  • Loss assessment
  • Refrigerated products
  • Collapse
  • Glass or safety glazing material
  • Landlord’s furnishings

An independent insurance agent can help you find more information about PSM's homeowners insurance and help you decide if their coverage is right for you.

Is PSM a good insurance company?

PSM is highly rated by AM Best and the BBB and has more than a century's worth of experience in the industry. Customer reviews are mainly positive too. The carrier has an outstanding website and is highly user-friendly. So yes, PSM can be considered a good insurance company.

Pioneer State Mutual Customer Reviews

5 Stars
They have an awesome easy to use website and their billing people are nice. Everything from them is very clear.

5 Stars
My son had an accident. We were able to take it to our preferred shop for repair. It was seamless and no hassle. The shop even cleaned and buffed the car which tells me they received adequate payment.

This company has the lowest price compared to all others in Michigan. They were very easy to file a claim and they sent an agent out quickly.

5 Stars

5 Stars
A very good company, good rates that have not gone up in the 4 years I have been with them. I have never had a claim so I'm not sure how well they handle claims.'s Final Review

We award Pioneer State Mutual a final rating of 3.5 out of 5 stars. For starters, the carrier has been in the industry for more than a century now. They're also highly rated by both AM Best and the BBB. Customers also rate the insurance company highly overall.

We love that PSM works with independent insurance agents exclusively. They also offer a wide selection of insurance products, from farm insurance to commercial umbrella and personal auto insurance. Their website is excellent and they have an extensive social media presence, as well as after-hours claims reporting.

Overall, we highly recommend looking into Pioneer State Mutual with the help of your independent insurance agent to be your next trusted insurance company.

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