Meemic Auto Insurance

Key Points:

• Meemic offers discounted auto coverage rates to educational professionals in Georgia, Illinois, Michigan, and Wisconsin.
• The provider holds an A+ rating from the Better Business Bureau (BBB).
• Meemic offers fewer add-on coverage options than most auto insurers.

If you are trying to find out if Meemic auto insurance is the best choice to protect your vehicle, you’ve come to the right place. In this review, we’ll tell you everything you need to know about the company, including Meemic insurance reviews, coverage options, available discounts, and more.

We’ve spent 1,950 hours researching the best car insurance providers in the United States, and here, we’re going to dig deep into Meemic. To see what coverage is available in your state and to get free quotes from leading providers, use the tool above.

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Meemic Insurance Company Overview

Meemic Insurance Company was formed in 1950 by a group of teachers who wanted to provide affordable insurance to their colleagues. Today, Meemic has maintained its focus on educators and is available to teachers, retirees, and others working in the education field in Georgia, Illinois, Michigan, and Wisconsin.

Meemic Insurance Pros And Cons

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Meemic Insurance Coverage

Meemic offers limited coverage options compared to most providers. Of the six standard types of car insurance, Meemic insurance only offers the following coverages:

• Liability insurance (BI/PD): Covers the cost of property damage or bodily injury to a third-party when you’re at fault for an accident.
• Comprehensive coverage: Covers the cost of damage to your own vehicle after an incident that isn’t a collision, such as damage from vandalism, storms, or theft.
• Collision coverage: Covers the cost of damage to your own vehicle after a collision.
• Uninsured/underinsured motorist insurance (UM/UIM): Covers the cost of damages if an uninsured or underinsured motorist causes an auto accident and doesn’t have enough coverage to pay for your medical bills or vehicle repairs.

Noticeably, medical payment coverage (MedPay) and personal injury protection insurance (PIP) are not available from Meemic.

Additional Coverage

Most auto insurance providers also offer optional coverage, such as rental reimbursement coverage, accident forgiveness, or roadside assistance coverage. Unfortunately, Meemic insurance only has one add-on: antique car insurance.

While Meemic’s coverage options are limited, the company’s insurance policies are geared toward the specific needs of teachers. For example, Meemic has exclusive coverage that offers no deductible for comprehensive losses that occur on school property.

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How Much Does Meemic Auto Insurance Cost?

Meemic insurance advertises 35 percent discounts for its members. For a single, 30-year-old male driver with good credit and a clean driving record who owns a 2020 Honda CR-V, we found the national average cost of full-coverage car insurance to be $1,968 per year. That figure would come down to about $1,280 per year with Meemic’s discount.

Meemic Insurance Discounts

You can get a lower price on your Meemic auto insurance by qualifying for the following:

• Newly certified teacher discount
• Multi-policy discount
• Vehicle anti-theft discount
• Paid-in-full discount

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Meemic Insurance Reviews And Ratings

Meemic’s customer service is one of its most advertised features. Meemic insurance has an A+ rating with the BBB. Additionally, there are only 13 complaints closed in the last three years on the platform.

Google Reviews lists 83 customer reviews and rates Meemic 3.5 out of 5.0 stars.

Many other websites have nothing but enthusiastic reviews, so it is hard to say what your own experience will be. Here’s what some customers had to say:

Positive Meemic Insurance Review

“I have had Meemic car insurance for the past few years. Last month, my car was totaled. Meemic has been absolutely amazing. I have made a total of two phone calls, one to file the claim and one to follow up. Everything has been taken care of. It has been great!” 

– Misty Bell via Google Reviews

Negative Meemic Insurance Review

“Very disappointed with Meemic since they try to tell you that you will get good pricing the first year and then increase rates by over 15 percent with no claims. It takes time and effort to change insurance companies. I was with another company for over 20 years and switched since the agent said this company was wonderful for teachers. I was scammed, and I believed they were an honorable company. I asked the agent for his boss to call me so I could discuss this and no one ever cared to call. Very disappointed in moving to a company I thought I could trust.” 

– Kristie B. via BBB

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Meemic Auto Insurance: Our Take

We give Meemic 3.9 out of 5.0 stars overall. The company offers superb customer service at a very reasonable rate. Its focus on teachers and educators makes it a top choice for anyone in the education field–both for its car insurance rates and painless claims procedure. However, if you don’t live in Michigan, Georgia, Illinois, or Wisconsin, or if you want MedPay or PIP, you’ll need to look elsewhere.

To start finding quotes from other reputable car insurance companies in your area, use the free tool below:

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Our Recommended Car Insurance Providers

Even if Meemic’s car insurance fits the bill for you, it’s always a good idea to consider other options and get quotes from multiple providers. Here are a few other companies that may interest you.

Geico: Best For Basic Coverage

Geico is one of the leading insurance providers in the U.S. In fact, it’s the third-largest auto insurance provider in terms of market share, according to the National Association of Insurance Commissioners.

Geico is a top-notch insurance company that should be on everyone’s shortlist. With substantial coverage, good customer satisfaction, and reasonable prices, Geico is a winner in our books.

To learn more, read our full Geico review.

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State Farm: Best Overall Provider

State Farm is the largest auto insurance provider in the U.S. by market share. It has close to a century of experience under its belt and has built a strong reputation. It’s also financially sound, earning an A++ financial strength rating from AM Best.

We rate State Farm highly overall and recommend it to anyone looking for reasonably priced car insurance.

To learn more, read our full State Farm insurance review.

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Meemic Auto Insurance: FAQ

Below are some frequently asked questions about Meemic auto insurance:

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How We Rate Meemic

Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:

• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
• Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
• Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
• Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.

*Data accurate at time of publication.

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