Home State Auto Insurance Review (2024)

Home State County Mutual insurance reviews cover Home State Insurance Group, Inc., headquartered in Waco, Texas.

Home State Insurance Company is now part of Berkshire Hathaway, the parent company of Geico, Gen Re, Nederlandse Reassurantie Group, and Berkshire Hathaway Assurance.

Home State auto insurance policies are designed to provide affordable high-risk auto insurance. Although high-risk drivers pay more for auto insurance, there’s a way to lower rates. This Home State auto insurance review explains.

You can look up your Home State County Mutual policy in a few ways. You can connect with your State Auto Managing Support Agent. You can go to the Home State County Mutual website and use the policy prefix lookup function. You can also contact the Home State County Mutual Customer Service team.

To pay online, go to the Home State County Mutual Insurance Company website and use the policy finder tool to pull up your specific policy site.

If you have Home State Insurance auto insurance in the state of Texas and want to compare it to other options, we can help you save money. Start by entering your ZIP code to start looking at completely free, no-obligation auto insurance quotes. Then read this Home State car insurance review.

What You Should Know About Home State County Mutual

Home State Insurance Group wants the opportunity to satisfy its customers, and it offers customers 24-hour claims reporting.

If you’ve done business with any auto insurance company for a year or more, perhaps you already see higher auto insurance rates.

If you haven’t been involved in an auto accident, moving violation, or gotten a ticket, you may ask why you’re being charged pay higher insurance rates.

That’s why comparing your auto insurance rates with quotes offered by other insurance companies can help you save now. Visit a legit site, like autoinsurance.org to check out all of the reviews.

What Is The Home State Insurance Group Company History?

Originally chartered in 1948 during Harry Truman’s presidency, Home State Insurance Group includes the Equity Insurance Company and Home State County Mutual Insurance Company. The Home State auto insurance Group is located in Waco, TX.

Home State County Mutual Insurance Company is located in Dallas, TX. The company’s exact address is 17762 Preston Road Suite 200, Dallas, Texas, 75252. Home State Insurance Group focuses on marketing and writing non-standard auto insurance policies.

How Does Home State Insurance Group Work With TexasSure?

Home State County Insurance Company uses the Texas Department of Insurance “TexasSure” customer contact system. TexasSure’s goals include identifying uninsured drivers in the state.

Uninsured or underinsured drivers cost insurance companies (and their insured drivers) money each year.

Home State Insurance Group also cares about its insured policyholders’ privacy. The company outlines the processes used to safeguard client financial information on the website.

Home State County Mutual Insurance Coverage Options

Home State County Mutual Insurance offers multiple types of insurance, including car insurance. Home State County Mutual is owned by Home State Insurance Group, Inc. The Home State County Mutual Auto Insurance Company’s NAIC (National Association of Insurance Commissioners) number is 29297.

Writing auto insurance policies for non-standard drivers is the original goal of the Home State  Auto Insurance Group. Home State Insurance rates are not readily available, but we can take a look at some averages below.

Non-standard auto insurance helps high-risk drivers assume financial responsibility in the event of a car accident. Your policy isn’t only to protect your car, passengers, and property. Knowing what coverage you need is just as important as knowing what to do after a car accident.

Basic liability helps you pay for damage caused by an auto accident in which you are considered “at fault.” Watch this video on how property damage liability insurance works.

Home State County Mutual Insurance Rates Breakdown

Let’s take a look at the average rate for auto insurance in Texas.

How Do Texas Auto Insurance Rates Compare to the National Average?

Texas Auto Insurance Rates Compared to National Average

These are projections from The National Association of Insurance Commissioners (NAIC). Each year they provide a report of average annual rates for auto insurance.

Texas has cheaper liability rates than the national average, but collision and comprehensive coverage are more expensive.

To get discounts, report anti-theft, and safety features to your auto insurance company. If you happen to have good or fair credit, you can receive a discount.

How Do You File A Claim With Home State Mutual?

You can file a claim with the Home State County Mutual Insurance Company claims department like any other company. Your rates may go up, but the right coverage options can help recover from damages.

If you know your policy prefix, go to the company website to access your account information.

Home State Insurance representatives insist that its customers should use the Home State County Mutual phone number to file a claim. The Home State County Mutual Insurance claims phone number is 254-776-4521. There’s no toll-free number because the company only does business in Texas.

Who Are The Home State Auto Insurance Group Agents?

The company maintains an insurance marketing and distribution network composed of independent insurance sales brokers and agents.

Home State Insurance Group values relationships with independent sales professionals and wants to help its independent sales partners grow a thriving auto insurance sales practice.

Interested auto insurance sales agents and brokers may contact the company for more information about selling Home State auto insurance products and services.

Does Home State Auto Insurance Cover Teen Drivers?

Teenage drivers represent the highest risk category of all drivers in Texas. According to the Centers for Disease Control and Prevention, almost a third of teen deaths occur due to traffic or auto accidents.

Drivers between the ages of 16 and 19 are 400 percent more likely to be involved in a fatal car crash. About 350,000 teenagers received hospital emergency room treatment for injuries sustained in traffic accidents.

Of that number, about 3,000 teenagers died as a result of the auto accident. The following are statistics on teen drivers:

• Teen drivers account for about 14 percent of drivers on the road. This age group is at risk for driving at night while under the influence or impairment
• Teenage male drivers are more likely to be involved in a severe auto accident than teenaged females.
• The damage is greater than 30 percent of auto insurance claims paid!

The statistics collected by the best companies like Home State Insurance Group support the reasons for passing on high auto insurance premiums to teenage drivers.

Teenage drivers with teenage passengers bear additional risks, according to auto insurance studies. Teenagers seem less likely to use seatbelts. They break the speed laws with higher frequency than other drivers.

How Home State County Mutual Ranks Among Providers

Home State Mutual Insurance Company is mainly a notable player in the auto insurance industry in Texas. The easiest way to find the  Home State Mutual Insurance Claims phone number is to go to their main website and look up the contact details per your policy.

When you review auto insurance companies, the reviews are very mixed with Home State Mutual being the best auto and home insurance provider. This company only provides auto insurance options. In general, the best auto and home insurance companies combine excellent coverage for both services while offering a great bundled price.

As part of the Home State County Mutual Insurance, they specifically cater to Texas residents. The Home State County Mutual Insurance in Texas showcases their expertise in the needs of their residents.

Overall, Home State Mutual Insurance Agency isn’t a competitive player in the auto insurance industry nationwide but offers some great local options if you live in their service area.

Contact Home State auto insurance via phone number to connect more.