Main Street America Insurance Reviews: What Customers Say About This Provider

When shopping for insurance, it’s important to do your research and read reviews to ensure you choose a reliable company that meets customers’ needs. Main Street America Insurance is an insurance provider that operates in 37 states and has been in business for over 100 years.

If you’re considering Main Street America for your insurance policy, here is an overview of Main Street America reviews and customer feedback based on research from credible sources:

Overview of Main Street America Insurance

  • Headquarters in Jacksonville, Florida
  • Offers a range of insurance products including auto, home, renters, condo, umbrella, business, farm, and more
  • Rated “A+” (Superior) financial strength rating from A.M. Best
  • Has fewer customer complaints than competitors, based on NAIC data
  • Affiliated underwriting companies include NGM Insurance, Old Dominion Insurance, Austin Mutual Insurance, and others

Main Street America Reviews on Trusted Sites

Here are insights into Main Street America Insurance reviews from credible third-party sites:

Better Business Bureau

  • BBB Rating: A+ (Highest rating)
  • Customer Review Rating: 1 out of 5 stars based on 14 reviews

The negative BBB customer reviews cite issues like claims denials, poor communication, unprofessional adjusters, and delays in claims payments.

Main Street America responded to most complaints noting they would look into the specifics and try to resolve the issues.


  • 3.5 out of 5 star average rating based on 92 reviews

The reviews are mixed on WalletHub. Negative feedback is primarily around claims handling, denials, and delays. Positive comments mention good rates and customer service.

NAIC (National Association of Insurance Commissioners)

  • NAIC Complaint Index of 0.34, which is relatively low

This index measures the number of complaints relative to a company’s size. Main Street America’s score indicates a lower-than-average volume of complaints.

Common Pros of Main Street America Highlighted in Reviews

  • Competitive rates and discounts: Many reviews mention lower pricing compared to other insurers, especially with multi-policy discounts.

  • Good customer service: Some customers describe the customer service team as responsive, friendly and helpful.

  • Quick claims payouts: Positive reviews praise fast claim payments, especially for more straightforward claims.

  • Strong financial rating: Customers comment that they trust Main Street America to have the funds to pay out claims due to their A+ rating.

Common Complaints in Main Street America Reviews

  • Claims denials and delays: Numerous negative reviews involve claims being denied or long delays to get claim payments.

  • Poor claims communication: Some customers complain of lack of communication during claims, unreturned calls/emails, and frequently being handed off between adjusters.

  • Difficulty reaching adjusters: Many reviews cite inability to contact claims adjusters or long hold times when calling.

  • Unprofessional adjusters: Some customers describe rude, unhelpful adjusters who create delays or deny valid claims.

  • Policy cancellation: A few reviews mention policies being cancelled unexpectedly or without proper notice.

What Do Reviews Suggest About Main Street America?

Overall, Main Street America Insurance reviews are quite mixed. While some policyholders are happy with competitive rates and good service, others describe very negative claims experiences involving denials, delays, and poor communication.

Many complaints seem to center around issues with claims handling, suggesting this is an area Main Street America could improve.

It’s important to weigh the pros, cons and complaints highlighted in reviews to determine if Main Street America is the right insurer for your needs. Be sure to compare their ratings and reviews vs competitors when choosing an insurance provider.

Tips for Finding the Best Insurance Based on Provider Reviews

Reviews offer great insights when evaluating insurance companies, but keep these tips in mind:

  • Check reviews on multiple third-party sites like BBB and WalletHub to get a balanced view.

  • Give more weight to recent reviews as they reflect a provider’s current service.

  • Look for common themes in complaints rather than focusing on a single bad review.

  • Consider the company’s response to negative comments and effort to resolve issues.

  • Compare ratings and reviews to other top insurers to find the best fit for your situation.

  • Get quotes from multiple insurers, not just the ones with the best reviews. Rates vary.

  • Make sure the insurer has a solid financial strength rating from AM Best or S&P.

Frequently Asked Questions About Main Street America Insurance Reviews

Does Main Street America have a lot of complaints compared to other insurers?

No. According to NAIC data, Main Street America has a relatively low complaint index of 0.34 compared to competitors. Some insurers have indices between 1-2. This suggests Main Street America has fewer complaints relative to their size.

What do reviews say about Main Street America claims payments?

It’s mixed. Some reviews cite very fast claim payouts and good service. However, several others complain of frequent denials, long delays, poor communication and difficulty reaching adjusters when filing claims.

Are Main Street America’s rates competitive based on reviews?

Yes, many reviews mention Main Street America offering lower rates than competitors, especially with multi-policy or group discounts. Rate comparisons are still recommended.

What is Main Street America’s financial rating according to reviews?

Multiple reviews point out Main Street America’s A+ or Superior rating from A.M. Best. This high rating reflects their financial strength and ability to pay out claims.

Who is Main Street America Insurance affiliated with?

Main Street America has a group of regional affiliated insurers across the US, like NGM Insurance, Grain Dealers Mutual Insurance, Austin Mutual, and Old Dominion Insurance Group. All operate under the Main Street America Insurance brand.

By taking a balanced look at Main Street America reviews from multiple sources, you can better determine if they are the right insurance provider for your particular needs. Be sure to compare their customer feedback and ratings against competitors as you shop for coverage.

Main Street America Auto Insurance Review: Pros and Cons


What is the A.M. Best rating for Main Street America Insurance Company?

Main Street America Insurance carries an “A” (Excellent) Financial Strength Rating, with a Stable Outlook, and “a+” Issuer Credit Rating from A.M. Best, the insurance industry’s premier rating organization.

Who owns Main Street America?

Main Street America Insurance is an operating company of American Family Insurance group.

Who is the most trusted insurance company?

Insurance company
Best for
Bankrate Score
Best overall
4.4 Rating: 4.4 stars out of 5
Best overall
4.4 Rating: 4.4 stars out of 5
Best for military-focused coverage
4.3 Rating: 4.3 stars out of 5
Best for added perks
4.3 Rating: 4.3 stars out of 5

What states does Main Street America operate in?

Main Street America Protection Insurance Company (NAIC #13026) is domiciled in Florida and licensed in Alabama, Arizona, Florida, Georgia, Idaho, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Montana, New Hampshire, New York, North Carolina, Oregon, Pennsylvania, Rhode Island, South Carolina, …

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