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Branch Car Insurance Review

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Branch Car Insurance

Branch is a new firm that provides affordable home and vehicle insurance. It provides coverage for both home share and rideshare, although it does not have a particularly large selection of coverage alternatives.

Branch advertises itself as a "community" company, offering discounts to clients who refer friends for estimates and coverage. This insurance is accessible in ten states, albeit five of them are underwritten by another insurer, General Security National.

Pros and Cons

Pros Cons
Helps you make a donation to a fund that will assist your uninsured neighbors. Only ten states have it.
Provides a strong financial foundation  
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Branch offers its customers plenty of coverage.

Comprehensive coverage: This is indeed huge coverage. While your car is not being driven, it is covered for damage caused by severe weather, fire, vandalism, theft, fire, flood, and falling objects.

Collision Coverage: Collision coverage is offered when your car collides with another car or in a single-vehicle crash. It can also be offered in other instances, such as slipping on ice and colliding with a tree, which are examples of this.

Additional Coverages

Roadside Assistance: Assistance on the Road When your vehicle breaks down, the cover in your Car Insurance Plan functions as your most trusted ally. In other words, Roadside Assistance Coverage implies that if your car breaks down in the middle of a trip and leaves you stranded, a skilled expert will come to your rescue.

Gap Coverage: It's also known as guaranteed asset protection, and it only applies if your vehicle is leased or financed. You only have to keep it until the amount you owe on your automobile is less than its current value; after that, you can cancel it.

Umbrella Coverage: To increase your liability coverage, Branch offers personal umbrella liability coverage, which may be added to your motor insurance policy.

Rideshare Coverage: Coverage for Lyft and Uber drivers who need to bridge the insurance gap produced while they're driving for a ridesharing company but don't have a customer in the car.

Pet Coverage: If your pet is injured in a covered car accident, it is covered.

Travel Expense Coverage: When your car is no longer drivable due to a covered accident; pays fees for transportation such as a rental car or rideshare, similar to rental car coverage.

Additional custom parts and equipment coverage: Coverage for custom components and equipment. Coverage for aftermarket parts and equipment, such as a sound system or custom wheels, is available.

Named non-owner coverage: When you're driving a car that you don't own, you'll have liability coverage.

Window glass coverage: Additional coverage for damage to your car's glass, including windows, mirrors, and the windshield.

After an accident, a rented automobile might cost up to $60 per day.


Branch offers a few nonstandard discounts

Refer a friend: Branch relies on client word of mouth to bring in new customers rather than large advertising initiatives, and they reward you for it. In Arizona and Missouri, you can get a 1% discount for each friend who joins up for Branch insurance. As a result, if you invite ten friends, you will receive a 10% discount on your bill.

Vouch for each other: Branch asks customers in a community to vouch for one another in order to limit the amount of money spent on insurance fraud and offers a 1% discount for each person who does so. If you can get a discount of up to 5% on your premium.

Customer Satisfaction and Feedback

As of 2022, the Branch is accredited by the Better Business Bureau (BBB) and has an A+ rating. The company's pleasant salespeople and huge savings when switching from big-name insurance companies are highlighted in positive client evaluations. Summary

Branch is an insurance firm that specializes in delivering packaged home and vehicle insurance in a timely manner. Branch auto insurance intends to use word-of-mouth advertising to get into your personal network in order to cut insurance costs. It also employs communities that are willing to vouch for one another in order to combat rising insurance fraud expenses.

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About Branch

Branch auto insurance intends to use word-of-mouth advertising to get into your personal network in order to cut insurance costs. It also employs communities that are willing to vouch for one another in order to combat rising insurance fraud expenses.

While joining a community-focused insurance firm may appeal to you, Branch does not currently offer some of the regular discounts that larger carriers do, such as accident forgiveness.

If you enjoy the notion of a local firm that cares about how premiums are used properly, Branch could be the right option for you. As a result, many clients claim to have paid lower rates than large insurance companies.

History of Branch

Branch, based in Columbus, Ohio, was formed in 2017 by insurance veteran Steve Lekas and internet entrepreneur Joe Emison. The company is backed by SCOR SE and underwritten by Branch Insurance Exchange and General Security National Insurance Company (GSNIC), all of which are A-rated insurance companies. The company was the first to combine house and auto insurance online. They are on a mission to return insurance to its original purpose: being a force for good in the community. Branch has made buying insurance faster, easier, and more inexpensive than ever before by reducing the process to take only seconds.

Charitable Causes

Anthemis Group led a $50 million Series B fundraising round for the company, which offers combined house and vehicle insurance.

Acrew, Cherry Creek Holdings, as well as current investors Grey croft, HSCM Bermuda, American Family Ventures, Signal Fire, SCOR P & C Ventures, Foundation Capital, and Tower IV, took part in the round. Branch, situated in Columbus, Ohio, has already collected $82.5 million in total fundraising since its launch in 2017.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with


What is the history of branch Insurance?

Steve Lekas and Joseph Emison founded the Branch in 2017. Joe founded a number of technological startups, while Steve is an insurance sector veteran who spent the majority of his career at Allstate.

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