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Main Street America Car Insurance Review

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The Main Street America Group is a group of insurance companies that offers personal and business insurance products. The term "main street" conjures up images of small-town America. The group of companies provides agent-driven personal service to a large portion of the country.

Pros and Cons

Pros Cons
Flexible billing options. Exclusively deal with independent agents.
Wide range of coverages. No online quote available.
Easy claim reporting process.  

Main Street America Auto Insurance Coverages

With Main Street America, you can add additional protection for yourself and your vehicle to your standard coverages.

Basic Coverage Options

  • Bodily injury liability
  • Property damage liability
  • Medical payments
  • Personal injury protection
  • Uninsured/underinsured motorist
  • Collision and Comprehensive insurance

Extra Coverage Options

  • New Vehicle Replacement: Main Street America Insurance covers the full replacement cost of a similar new vehicle in the event that yours is stolen or totalled.
  • Accident Forgiveness: In the event of your first at-fault accident, you will be protected from an increase in your insurance premiums.
  • Original Equipment Manufactured Parts Replacement: Ensures that OEM parts will be used in the repair of your car.
  • Full Safety Glass: Cracks in the windshield or a complete glass replacement can be covered by Full Safety Glass coverage.
  • Roadside Assistance: Covers roadside assistance if your car breaks down, you need an emergency tyre change, or if you need to be towed away.
  • Loan-Lease Protection: If your leased car is totalled, Loan-Lease Protection will pay the difference between what you owe and what the car is worth.
  • Diminishing Deductible Rewards: An incentive or optional coverage offered by Main Street America to reward accident-free or ticket-free drivers.

To understand more, check out types of auto insurance coverage in the US.

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Main Street America Auto Insurance Discounts

General discounts

  • Multi-policy (you can bundle your home insurance with your car insurance)
  • New customer
  • Multi-vehicle
  • Mature operator (for those over 65 years of age)
  • Coverage level (basic coverage will cost less than standard coverage)
  • Loyalty
  • Good student (an agent will tell you what GPA you’ll need to qualify)
  • Student away from school

Safety discounts

  • New vehicle (new vehicles are generally safer and have more safety features)
  • Driver training
  • Accident and violation-free
  • Accident prevention course
  • Anti-theft
  • Vehicle safety

Payment method discounts

Discount Type Discount Rate
Multi Policy Up to 20%
Paid-in-full Save up to 10%
New Vehicle 10% -15%
Loyalty Up to 15%
Electronic payment % Varies

Main Street America Complaints and Customer Satisfaction

Affiliation with the Better Business Bureau does not apply to Main Street America Group. Considering the previous years, the BBB gave the business an A+. There are some online complaints about claims service.

There were only a few complaints about the insurance company's handling of a claim based on customer feedback. The fact that there have been so few complaints about a company of this size is reassuring, and the content itself isn't particularly troubling.

Having been in business for nearly a century is one of Main Street America's advantages in this area: bad businesses rarely last more than a quarter of that time. People who have never had to file a claim seem to give the best ratings; they are content with their low-cost insurance and their friendly insurance agents.

When a customer is involved in an accident, they have difficulty contacting their agent or customer service. The only way to communicate appears to be by mail, despite the fact that electronic transfers are accepted as a form of payment. Customers generally like Main Street America's discount offerings, but when it comes time to file a claim, the customer service isn't up to snuff.

Way Summary

Main Street America may be a good option for you if affordability and ease of purchase are your top priorities when it comes to car insurance. It's also important to remember that filing a claim after an accident can be a time-consuming process.

There are a few things to keep in mind when it comes to Main Street America agents. It's possible that some of the negative reviews are just about bad agents and not about the entire company. Look up customer reviews of your agent rather than the company you're working with to get an idea of how you'll be treated as a client. Do your homework, read reviews, and then contact an insurance agent before making a purchase decision.

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About Main Street America Car Insurance

Main Street America is a Florida-based insurance provider that has been in business for nearly a century. In addition to 37 states, independent agents can help clients find surety bond solutions in 47 states. Working with these independent agents, Main Street America aims to locate business and individual clients with low-cost insurance. Main Street America also helps their clients shop around for the best deals on personal and commercial car insurance.

Contact details

  • For claims: (877) 4Claims (877-425-2467) - Available 24/7
  • Customer service:(866) 265-7908 - Monday – Friday | 8 a.m. – 4 p.m. ET
  • For general information : (800) 258-5310 - Monday – Friday | 8 a.m. – 4 p.m. ET

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

Frequently Asked Questions

Are Main Street America’s insurance rates reasonable?

Yes. Main Street America’s insurance rates can be considered reasonable. When shopping for car insurance it's important to compare several quotes side-by-side. Main Street America gives you the best pricing & coverage options.

Is Main Street America a good insurance company?

Yes, Main Street AMerica is a good insurance company. A.M. Best, the insurance industry's leading rating organisation, has given Main Street America Insurance a "A" (Excellent) Financial Strength Rating, with a Stable Outlook, and a "A+" Issuer Credit Rating.

How do I cancel Main Street America insurance policy?

For questions about payments, cancellation or reinstatement, and online payment assistance, contact Main Street America’s Customer Service. Policy changes or corrections, such as vehicle use or driver assignments, can also be handled by them. You can either call (866) 265-7908 or email at

What is Main Street America's average claims response time frame?

Customers can file claims with Main Street America at any time, whether online or by phone. Claims response times are not specified on the carrier's official website, only those customers will be contacted as soon as possible.

What is Main Street America's customer service availability?

Main Street America's customer service issues is only open Monday through Friday from 9 a.m. to 5 p.m via phone. It is possible for customers to make a claim with their insurance company at any time using a variety of methods, including by phone (available around the clock). There are social media accounts set up for customers to connect with the carrier via these platforms.

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