Fast, Free Quotes, Instant Savings


Yes No Rating: ★★★★☆ 

EMC Insurance Group, Inc. sells casualty insurance, property insurance, and reinsurance. These policies can come in either commercial or personal form. EMC does business with a variety of clients, including institutions, individuals, and small/medium sized businesses. They prefer to operate through insurance agents as opposed to letting customers purchase policies online. Their particular specialty is helping small business owners find affordable insurance which they may not be able to get through a major insurance company.

As recently as May 2010, EMC auto insurance company was upgraded by A.M. Best from “stable” up to “excellent”, an A- rating. After a series of natural disasters hurt EMC financially in 2008-09, they revised their risk management system and are now financially stronger than ever.

Coverage Options from EMC

Through EMC, you can procure the following types of coverage:

  • Loss management
  • Personal insurance
  • Business insurance

While the largest amount of business for EMC comes from business insurance, the company is no stranger to auto, life, homeowners, or other forms of personal insurance. EMC offers competitive pricing, especially for those whose risk profile is less enticing to major insurance companies. You will have to get in touch with an EMC agent to find out if their products are available in your area.

For auto insurance, EMC provides the following:

  • Liability coverage
  • Supplemental coverage
  • Loan/lease coverage

Discounts Available through EMC Car Insurance

EMC car insurance company is proud to offer its customers the following auto insurance discounts:

  • Bonus renewal plan – if you remain with EMC for 36 months, you qualify for additional policy benefits (such as an accident surcharge waiver for your first at-fault collision)
  • Multi-car discount
  • Multi-policy discount
  • Accident free discount
  • Good student discount
  • Driver’s Ed discount
  • Defensive Driving course discount
  • Passive restraint discount
  • ABS brake system discount

EMC and Customer Service

EMC makes the payment process easier by allowing you to pay by check, credit card, mail, or using online bill payments. Once you are an EMC customer, you can manage, review, and pay your premiums using the internet. The user-friendly web design of EMC insurance website even earned them an award in 2010 for “most Innovative Design” from the Hermes Creative Awards. Unfortunately, due to the size of EMC, there are no J.D. Power and Associates ratings for the company at this time.

The main focus of EMC is to do personal business through local, knowledgeable agents. The reigning philosophy of the company, especially by CEO Bruce Kelly, lauds the way their agents provide their policy holders with a full-service treatment in order to ensure customer satisfaction. EMC has also earned an award for being the “Most Trustworthy”, which is due in part to the company’s firm belief in incorporating a personal touch towards dealing with their customers.

Compare EMC Rates with Quotes From Other Leading Companies In Your State – Get Quick Quotes Below

Corporate Headquarters
717 Mulberry St.
Des Moines, IA 50309
Yes No