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Meemic Auto Insurance Review

Friday, 08 November 2013 17:00

Meemic Insurance is a Michigan based auto insurance company that specializes in offering auto insurance to educational professionals. Meemic offers insurance only to the states of Michigan and Wisconsin but it offers auto, home, umbrella, and watercraft coverage. The company offers unique discounts and tailors its insurance offerings to education professionals with unique discounts. Meemic Insurance has multiple positive reviews from satisfied customers online, and although it has not been reviewed by J.D. Power it is still a very good choice to consider for educators and employees of educational institutions in Michigan and Wisconsin.

Company Background Information

Meemic Insurance Company is headquartered in Farmington Hills, Michigan and specializes in offering auto insurance to teachers and employees of educational institutions in Michigan and Wisconsin. The company was founded by a group of 7 teachers in 1950 for the purpose of offering quality insurance options that were customized to the needs of educators. The company currently has over 160,000 policy holders throughout Michigan and boasts a 97% satisfaction rate from its customers. Meemic was recently given an A- (Excellent) rating by A.M. Best for its financial strength, and was not rated by J.D. Power in the most recent claims satisfaction survey.


Pros of Meemic Auto Insurance

  • Offers unique discounts to educational professionals
  • Multiple types of vehicle insurance offered
  • Financially secure company with positive reviews

Cons of Meemic Auto Insurance

  • Not rated by J.D. Power


Meemic offers several discounts to educators along with some standard discounts:

  • Discounted deductible as low as $25 for comprehensive covered vehicle losses while on school property
  • New teacher discount for teachers recently certified
  • Anti-theft device discounts
  • Multiple vehicle discount
  • Paid in full discount for upfront payments
  • Safe driving discount
  • Senior driver discount
  • And others

Meemic mentions on its website that there are several factors that influence premium costs including the age of the driver, driving history, the driver’s location, the make and model of the vehicle, the miles driven per year, and others.

Types of Insurance Offered

Meemic offers the state minimum required by Michigan and Wisconsin for auto insurance and also offers home and umbrella insurance. Michigan is a “no fault” state, meaning that the state limits the ability to sue the at-fault driver. The state of Michigan requires the following:

  • Personal injury protection insurance to cover medical expenses from injuries sustained in an accident
  • Property protection insurance which covers the cost of damaging someone else’s vehicle or other property
  • And bodily injury and property damage liability to offer liability protection for at fault accidents or accidents while driving in other states.

In Wisconsin, where Meemic also offers insurance, drivers are required to have a minimum of liability insurance, and Wisconsin drivers are eligible for similar discounts as Michigan drivers.

Customer Reviews

Most of the reviews of Meemic Insurance online are positive. The positive reviews mentioned that their customer support was excellent, and that claims processing was fast with fair payouts. The few negative reviews mentioned difficulties getting refunds after cancelling their policies and problems with particular agents. Most of the experiences online were positive, and most current or past customers recommended them to others.



Meemic Insurance is a good option to consider for educational professionals and others in the state of Michigan and Wisconsin with the large amount of positive feedback from customers and a positive financial outlook from A.M. Best. The discounts offered to educators can save them money on their premiums and Meemic may be more affordable than other insurance providers in Michigan. If you are looking for auto insurance now you can get quotes from several insurance companies for the states of Michigan or Wisconsin or elsewhere by entering your zip code on this page.

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