Wolverine Mutual Insurance Company Review

Find out if the insurance company is right for you.
Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


Wolverine Mutual Insurance Company at a Glance

  • Founded in 1917, Wolverine Mutual Insurance Company provides personal insurance policies for residents of Michigan, Indiana, and Wisconsin
  • The company is accredited by the Better Business Bureau
  • Markets policies exclusively through independent insurance agents
  • Rated B++ (Good) by A.M. Best

Wolverine Mutual Pros: Wolverine Mutual Insurance Company has over 100 years of experience. The company markets policies exclusively through independent insurance agents, and provides an online Find an Agent tool to help connect customers to a local agent. Offers a variety of policy options for all of its product lines. Also offers numerous discounts for qualifying policyholders. Wolverine Mutual strives to respond to claims within 24 hours of receipt. Accredited and rated A+ by the Better Business Bureau.

Wolverine Mutual Cons: Wolverine Mutual’s A.M. Best rating needs improvement. Customer service options are limited.

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 Wolverine Mutual Offer?

Wolverine Mutual offers the following types of insurance policies:

  • Homeowners insurance
  • Auto insurance
  • Motorcycle insurance
  • Rental property insurance
  • Personal umbrella insurance
  • Watercraft insurance
  • Seasonal home insurance
  • Recreational vehicle insurance

Wolverine Mutual covers people and properties in Michigan, Indiana, and Wisconsin, but policy offerings vary by state. 

What to Know About Wolverine Mutual Insurance Company

Wolverine Mutual Motor Insurance Company was founded in 1917, and celebrated its 100th anniversary in 2017.

Today, the company covers more than 45,000 policyholders in Michigan, Indiana, and Wisconsin.

Wolverine Mutual is rated B++ (Good) by A.M. Best. A.M. Best is a credit rating firm that assesses the creditworthiness of and/or reports on over 16,000 insurance companies worldwide. The A.M. Best rating points to the insurance company’s ability to pay claims, debts, and other financial obligations in a timely manner. 


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What Discounts Does Wolverine Mutual Offer?

Wolverine Mutual offers a variety of discounts for its policyholders, including the following:

Car Insurance Discounts

  • New safe driver discount (and safe driver renewal discount)
  • Auto/home multi-policy discount
  • Multi-car discount
  • Safety device discount
  • Pleasure use discount
  • Good student discount

Homeowners Insurance Discounts

  • Newer home discount
  • Experience credits (credits increase with the age of the homeowner)
  • Safety device discount
  • Auto/home multi-policy discount
  • Suburban protection discount

Motorcycle Insurance Discounts

  • Tour bike discount
  • Multi-bike discount
  • Experienced operator discount
  • New policyholder discount
  • Mature operator discount
  • Multi-policy discount

Renters Insurance Discounts

  • Newer property discount
  • Safety device discount

Watercraft Insurance Discount

  • Newer watercraft discount
  • Watercraft/home multi-policy discount
  • Multi-boat discount
  • Experienced boater discount
  • Safety equipment discount
  • Diesel engine discount

Visit the Wolverine Mutual website or contact a company representative to learn more about discounts and savings opportunities.

Wolverine Mutual Customer Service

Here’s what you need to know about Wolverine Mutual's customer service.

  • Contact Wolverine Mutual by phone or email
  • Online fillable form
  • Online bill pay
  • Customer service department does not specify hours of operation


Monday-Friday Not specified

Wolverine Mutual FAQ

What is Wolverine Mutual’s average claim response time frame?

Wolverine Mutual strives to respond to claims within 24 hours of receipt.

What is Wolverine Mutual’s customer service availability?

Wolverine Mutual provides customer service online, by phone, and by email. Regular customer service hours are not published, but the company does offer a 24-hour emergency claim line.

The company has a presence on Facebook, Twitter, Instagram, and LinkedIn.

What is Wolverine Mutual’s claims process?

Wolverine Mutual encourages its policyholders to call or email their independent insurance agent to report a claim. For emergency after-hours claim situations, the company provides a 24-hour emergency claim phone number.

The company also provides online claim forms for its various products. The company suggests following up with your independent agent after submitting the claim form.

Does Wolverine Mutual create a user-friendly experience for customers?

Wolverine Mutual’s website is informative (with basic information about coverage offered, advantages, and discounts). Aside from the information provided on the website, customers and prospective customers are encouraged to get quotes and obtain service from local independent insurance agents. The company provides an online Find an Agent tool that helps connect people to a local agent.

Does Wolverine Mutual have good car insurance?

Wolverine Mutual provides auto insurance for drivers in Michigan and Indiana.

Wolverine Mutual lets you tailor your policy to find the coverage and rates that fit your needs and budget. The company also offers a wide variety of discounts for eligible policyholders.  

Is Wolverine Mutual a good insurance company?

Wolverine Mutual is a regional personal insurance carrier that offers several different types of flexible policies. Coverage options and services seem fairly standard, and the company receives some very positive customer satisfaction reviews. Unfortunately, the company needs to show improvement in its financial strength ratings. But all in all, Wolverine Mutual can be considered to be a good insurance company.

Wolverine Mutual Customer Reviews

5 Stars
“I've been very happy with my insurance company. They have always been fair with pricing and after checking other companies I'm already getting the best price I can from them.”

Better Business Bureau
5 Stars
“Saved a bundle when we switched to them and they've always been really responsive to our family's needs! I always feel like they are ready to help with a human touch when it's needed, which is what we want in an insurance company. When a claim is needed, there's lots to worry about, but the quality of our insurance isn't one of them!”

Better Business Bureau
5 Stars
“I was able to switch over to Wolverine and saved so much money on my home and auto bundle. Not only that, they have been more than responsive anytime I have had to reach them. I wish I had made the switch sooner!”

5 Stars
“Great rate and local company. I was surprised changing from State Farm that the rate would be more competitive. This company is active in my area and supports causes I care about in the community.”

TrustedChoice.com's Final Review

4.5/5 stars

We award Wolverine Mutual a final rating of 4.5 out of 5 stars. To begin with, the company has a long history in the personal insurance market. The carrier provides a variety property and casualty insurance options (car insurance, home insurance, motorcycle insurance, etc.) for individuals in three states.

The company website does not offer a lot of details about its coverage options, but its policy offerings seem fairly standard, reliable, and easy-to-understand. Wolverine Mutual offers a long list of discounts and savings opportunities for policyholders who qualify.

Wolverine Mutual markets its products exclusively through independent insurance agents. While the company receives very high customer satisfaction ratings overall, its B++ rating from A.M. Best may be a negative indicator for the company’s financial strength and long-term ability to pay claims.

The company is accredited and rated A+ by the Better Business Bureau.

You can learn about other insurance companies by using our national insurance company directory. The directory can help you find the best insurance company to meet your needs.

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