Wolverine Mutual Insurance Company Score
2.5 Stars
Wolverine Mutual Motor Insurance Company was founded in 1917, and celebrated its 100th anniversary in 2017.
Today, the company offers auto, home, motorcycle, and other types of personal insurance in Michigan, Indiana, and Wisconsin.
Wolverine Mutual's most recent financial strength rating from AM Best was a dismal "C++" (Marginal), with a negative outlook. However, as of March, 2025, AM Best placed the company "under review with positive implications." While the ratings organization still assesses Wolverine Mutual's balance sheet as weak, along with other red flags, it sees the announcement that Clover Financial Corporation is set to acquire Wolverine Mutual as a positive. Upon completion of the acquisition, Wolverine will become a wholly owned subsidiary of Clover.
The "under review with positive implications" status reflects the opportunity for improved balance sheet metrics and operating performance for Wolverine.
We award Wolverine Mutual a final rating of 2.5 out of 5 stars. To begin with, the company has a long history in the personal insurance market. The carrier provides a variety property and casualty insurance options (car insurance, home insurance, motorcycle insurance, etc.) for individuals in three states.
The company website does not offer a lot of details about its coverage options, but its policy offerings seem fairly standard, reliable, and easy-to-understand. Wolverine Mutual offers a long list of discounts and savings opportunities for policyholders who qualify.
Wolverine Mutual markets its products exclusively through independent insurance agents. While the company receives very high customer satisfaction ratings overall, its "C++" rating from AM Best (a downgrade from our previous review) is a negative indicator for the company’s financial strength and long-term ability to pay claims.
The company is accredited and rated "A+" by the Better Business Bureau.
For more information about Wolverine and all of your personal insurance company options, contact a local independent insurance agent.
Wolverine Mutual Insurance Company Pros and Cons
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Over 100 years of experience
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Dismal "C++" rating from AM Best
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Markets policies exclusively through independent insurance agents
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Customer service options are limited
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Provides an online Find an Agent tool to help connect prospective customers to a local agent
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Offers a variety of policy options for all of its product lines
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Offers numerous discounts for qualifying policyholders
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Strives to respond to claims within 24 hours of receipt
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Accredited and rated "A+" by the Better Business Bureau
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Soon to be acquired by Clover Financial Corporation, a move intended to improve the carrier's overall financial strength
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Wolverine Mutual Insurance Company Products
Wolverine Mutual offers the following types of personal insurance policies:
Wolverine Mutual covers people and properties in Michigan, Indiana, and Wisconsin, but policy offerings vary by state.
To find a carrier in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
What Discounts Does Wolverine Mutual Insurance Company Offer?
Wolverine Mutual offers a variety of discounts for its policyholders, including the following:
Car Insurance Discounts
- Premier driver discount (for new policyholders who are ticket- and accident-free and haven't had significant prior loss activity)
- Safe driver renewal discount
- Auto/home multi-policy discount
- Multi-car discount
- Safety belt discount
- Safety device discount (for cars with driver, passenger, and/or side air bags or an anti-lock brake system)
- Pleasure use discount
- Good student/good driver discount
- Insurance scoring discount
Homeowners Insurance Discounts
- Newer home discount (for houses up to 20 years old, save more than 20% for homes up to 6 years old)
- Experience credits give you progressively higher discounts for ages 35-44, 45-54 and 55+
- Protective device discount (for installing smoke detectors and/or central station burglary and fire alarm systems)
- Auto/home multi-policy discount
- Higher deductible
- Suburban protection discount (for homes located in subdivisions outside larger city limits)
- Insurance scoring discount
Motorcycle Insurance Discounts
- Tour bike discount (most makes)
- Honda Goldwing tour bike discount
- Multi-bike discount
- Experienced operator discount (for those with three or more years of safe driving)
- New insurance carrier discount (for those who switch their policy to Wolverine)
- Renewal discount (every year you return earns savings)
- Mature operator discount (for policyholders who are 30 - 44 years old or 45 years and older)
- Auto/homeowner discount (for those who cover their auto or home with Wolverine Mutual)
- Higher deductible (choose from $100, $250, $500 or $1,000)
Rental Property Insurance Discounts
- Newer rental property discount (for one- or two-family dwellings up to 20 years old; save even more for dwellings up to 6 years old)
- Protective device discount (for installing smoke detectors)
- Multiple policy discount
- Higher deductible
Watercraft Insurance Discount
- Newer watercraft discount (for boats and yachts 10 years old or newer)
- Higher deductible
- Watercraft/home multi-policy discount
- Multi-boat discount
- Experience discount (for boat owners who have more than five years boating experience or complete qualifying courses)
- Halon fire extinguishing system discount
- Safety equipment discount
- Shore station boat lift discount
- Diesel engine discount
Contact an independent insurance agent to learn more about discounts and savings opportunities from Wolverine Mutual.
Wolverine Mutual Insurance Company Customer Service
Here’s what you need to know about Wolverine Mutual's customer service.
- Contact Wolverine Mutual by phone or email
- Online fillable form
- Online bill pay
- Customer service department does not specify hours of operation
| Days | Hours |
| Monday - Friday | Not specified |
Wolverine Mutual Insurance Company FAQs
What is Wolverine Mutual’s average claim response time frame?
Wolverine Mutual strives to respond to claims within 24 hours of receipt.
What is Wolverine Mutual’s customer service availability?
Wolverine Mutual provides customer service online, by phone, and by email. Regular customer service hours are not published, but the company does offer a 24-hour emergency claim line.
The company has a presence on Facebook, X, Instagram, and LinkedIn.
What is Wolverine Mutual’s claims process?
Wolverine Mutual encourages its policyholders to call or email their independent insurance agent to report a claim. For emergency after-hours claim situations, the company provides a 24-hour emergency claim phone number.
The company also provides online claim forms for its various products. The company suggests following up with your independent agent after submitting the claim form.
Does Wolverine Mutual create a user-friendly experience for customers?
Wolverine Mutual’s website is informative (with basic information about coverage offered, advantages, and discounts). However, it is quite basic and could benefit from more detailed information about its products and its claims process. Aside from the information provided on the website, customers and prospective customers are encouraged to get quotes and obtain service from local independent insurance agents. The company provides an online Find an Agent tool that helps connect people to a local agent.
Does Wolverine Mutual have good car insurance?
Wolverine Mutual provides auto insurance for drivers in Michigan and Indiana.
Wolverine Mutual lets you tailor your policy to find the coverage and rates that fit your needs and budget. The company also offers a wide variety of discounts for eligible policyholders.
Is Wolverine Mutual a good insurance company?
Wolverine Mutual is a regional personal insurance carrier that offers several different types of flexible policies. Coverage options and services seem fairly standard, and the company receives some very positive customer satisfaction reviews. Wolverine Mutual appears to be a longstanding local company that has left a positive impression in its service area. Unfortunately, the company needs to show improvement in its financial strength ratings. At this time, we will take a wait and see approach on recommending it. Perhaps its acquisition by Clover Financial will improve the carrier's outlook.
Sources
https://wolverinemutual.com
https://www.bbb.org/us/mi/dowagiac/profile/auto-insurance/wolverine-mutual-insurance-company-0372-14002581
https://news.ambest.com/pr/PressContent.aspx?refnum=35825&altsrc=2
