MMG Insurance Review

  • With 2.7/5 stars in 2024, MMG is an average insurance company.
  • Read MMG reviews, complaints and prices before you buy.
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Beth Swanson

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Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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MMG Insurance: Ratings and reviews

2.7 100% filled Star icon 100% filled Star icon 70.00000000000001% filled Star icon 0% filled Star icon 0% filled Star icon

Rating from The Zebra Question mark icon

MMG Insurance, headquartered in Maine, is a regional insurance provider known for its personalized approach and commitment to local communities. This review aims to provide a balanced and unbiased look at MMG and what potential customers might expect from their car insurance offerings.

100% filled Star icon 100% filled Star icon 70.00000000000001% filled Star icon 0% filled Star icon 0% filled Star icon
2.7 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
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  • Strong community involvement and localized service

  • Offers a range of coverage options

  • Provides various discounts that can lower premiums

  • Known for a responsive customer service team

  • Currently limited to five states in the Northeast U.S.

  • Some customers report slower claims processing

  • May not offer as many digital tools as larger, national insurers

Is MMG a good insurance company?

The majority of The Zebra's review incorporates how well MMG scores in terms of customer service. In order to determine that we looked at the following third-party ratings.

BBB Customer Reviews: 1/5

  • Better Business Bureau customers rated MMG as 1/5 in overall customer satisfaction[1]

Complaint Index: Below average

  • The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for MMG[2]

Financial Strength: Excellent/Good

  • MMG received an Excellent/Good financial strength rating from A.M. Best for its ability to pay out claims[3]

The Zebra Customer Satisfaction Survey

In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which auto insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on MMG for it to be included.

How much does MMG insurance cost?

Currently, the national average for a 6-month car insurance policy is $880, whereas MMG is about $469 or roughly 47% cheaper than which makes it one of the cheapest auto insurance options available, depending on your individual rating factors. These factors include things like your driving record, location, and vehicle type. It's recommended to gather personalized quotes for the most accurate pricing, but MMG may be a great option.

The table below shows how MMG auto insurance compares against other top insurers.

Average Monthly Cost by Insurance Carrier
Company Avg. Monthly Premium
MMG Insurance Company $78
Erie $108
USAA $114
Nationwide $123
GEICO $129
State Farm $131
Progressive $157
Allstate $201

As with most carriers, pricing for MMG auto insurance will vary based on your age and generally will get cheaper the older you get

The table below shows MMG's car insurance premiums for different age brackets. 

MMG Costs by Age Group
Age Group Avg. Monthly Premium
Teens $253
20s $166
30s $135
40s $134
50s $119
60s $109

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Discounts offered

MMG offers several auto insurance discounts for eligible policyholders, which can vary by driver and by state. Some of the more common savings opportunities are:

  • Multi-car discount: For insuring more than one vehicle with MMG.
  • Safe driver discount: For maintaining a clean driving record.
  • Bundle discount: For combining auto with other MMG insurance policies.

For more information about possible savings on an MMG policy, reach out to a local agent.

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What types of coverage does MMG offer?

MMG provides a wide range of coverage options, including standard liability, collision and comprehensive, as well as these options:

  • Roadside assistance: Provides help if you're stranded on the road due to a breakdown.
  • Loan/lease gap coverage: This covers the difference between the actual cash value of your vehicle and the unpaid balance of your loan or lease if your car is a total loss.
  • Driver Advantage program: This is an additional boost to a standard auto policy that can potentially save you hundreds of dollars. 

Read more about MMG's coverages here.


Other products

MMG offers several other products, including commercial coverage in addition to personal lines:

  • Automobile
  • Watercraft
  • Snowmobile
  • Renters
  • Umbrella
  • Homeowners
  • Fire

MMG insurance review: Summary

In summary, MMG is a regional insurance provider known for its personalized service and strong community presence. They offer a variety of coverages and discounts, though some customers report slower claims processing. As with any insurer, it's important to get personalized quotes and compare these to other providers for the best value. MMG's commitment to local service may make it an attractive choice for customers in the Northeast region.

Methodology — how The Zebra reviews insurance companies

The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.

For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.

MMG insurance: Frequently asked questions

MMG Insurance is well-suited for individuals in the Northeast U.S. who seek localized service, a variety of coverage options and discounts to lower premiums and a reputation for responsive customer service. However, it may not be the best choice for those residing outside the Northeast, especially if you're concerned about slower claims processing or are seeking extensive digital tools provided by larger national insurers.

MMG Insurance operates in ME, NH, VT, PA and VA.

MMG stands for Maine Mutual Group.

MMG is highly rated by A.M. Best for financial strength, an indicator of an insurer's availability to pay claims. While they were not included in J.D. Power's claims satisfaction service, some customer reviews do mention slow claims processing.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.