Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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If you’re in the market for new car insurance, you may have heard of Mendota Insurance and perhaps considered it as a possible option for auto insurance. Mendota sells its insurance products exclusively through local independent agents in 10 U.S. states. The insurer focuses on providing coverage to drivers who may have difficulty getting a policy elsewhere.
Mendota’s website provides limited information, leaving customers who’ve expressed interest with many unanswered questions. Its customer reviews are also very poor, so it may not be a good option for drivers looking for an excellent service experience.[1]
Quick Facts
Mendota has a higher-than-average number of complaints, according to the National Association of Insurance Commissioners (NAIC)’s Complaint Index.[2]
The insurer doesn’t offer a mobile app.
Mendota doesn’t have an AM Best financial strength rating.[3]
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
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Mendota provides much less information about its offerings than most competitors. Online details about its coverage or discounts or about flexible payment options or innovative products are scarce. This makes it difficult to determine if it’ll meet your specific car insurance coverage needs.
Unlike many insurers, Mendota doesn’t have a mobile app for managing your policy or obtaining insurance documents. But it does provide a customer phone number for claims service and a contact email. Customers can also reach out to its agent partners for information.
Mendota has poor customer reviews across multiple websites and isn’t ranked in the J.D. Power 2023 U.S. Auto Insurance Study, while many competitors are.
The number of complaints about Mendota made to the NAIC is significantly above average, with the insurer having more than triple the number of expected complaints based on market share.
Factor
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How Mendota Compares
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Rates
Cheaper
Discounts
Similar to competitors
Availability
More than competitors
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
How Mendota rates compare to competitors
Mendota’s rates are generally higher than many of its competitors. Its liability-only policies average $113 per month, and its full-coverage policies average $233 per month, according to Insurify data.
Here, you can see how some other insurers’ monthly full-coverage rates compare to Mendota’s in the table below.
Full-Coverage Rates by Insurance Company
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Mendota auto insurance
Insurers see drivers with an incident on their record — like an accident, speeding ticket, or DUI — as a higher risk and raise rates accordingly to offset the increased risk.
Here, you can see how monthly liability rates for Mendota insurance compare to the national averages for different types of drivers.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Mendota car insurance cost by state
Insurance prices vary by location because different states have different minimum auto insurance requirements. Auto insurance policy premiums also vary from place to place because driver demographics differ across the country. Insurance companies look at the local market and consider risk across a broad range of categories when pricing policies.
Mendota sells car insurance in 10 states. In five of those states, it sells coverage under a brand called Mendakota. The table below shows monthly average auto insurance premiums for liability coverage in four states where Mendota insurance is available so you can see if the company offers competitive pricing in your area.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Mendota car insurance discounts
You should always consider what discounts an insurer offers and how these discounts will affect your premiums. If you qualify for several discounts with one insurer, it may lower your rate beyond what people who started with lower premiums pay.
Mendota offers the following discounts on its private passenger auto insurance:
Multi-car: Drivers with two or more vehicles (must be on your policy) can enjoy this discount.
Paid-in-full: You must pay your premiums in full to earn this discount.
Accident prevention course: If you’re age 55 or older and have completed an approved accident prevention course, you may qualify for a discount.
Airbag discount: Your car must have factory-installed driver and passenger-side airbags to qualify for this discount.
How customers feel about Mendota
Mendota isn’t ranked in J.D. Power’s U.S. Auto Insurance Study, while many of the best insurance companies throughout North America have brand ratings demonstrating superior service.
Mendota also received more than triple the number of expected complaints for an insurer with its market share, according to the NAIC.[2]
The insurer has a B rating on the Better Business Bureau (BBB) website and received just one out of five stars on its customer reviews on the BBB site.[1] It also received one of five possible stars on Yelp, and the same low one-star rating in ConsumerAffairs reviews.[4][5]
Mendota ratings
Limited information is available about Mendota.
J.D. Power, a company that researches consumer brands, doesn’t rank Mendota on its U.S. Auto Claims Satisfaction Study. AM Best, a credit-rating agency that evaluates insurers’ financial strength, also didn’t assign a grade to Mendota.
But the NAIC complaint database shows a significantly higher number of complaints than expected for a company of its size.
Rating
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Score
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What This Means
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AM Best
Not rated
An AM Best rating measures a company’s financial strength
J.D. Power
Not rated
No customer service data available
NAIC Complaint Index
7.48
Significantly higher number of complaints than the industry average
Mendota car insurance coverage options
Mendota provides auto insurance to people who might struggle to get coverage elsewhere, like drivers with a DUI or with an accident on their record. If you fall within this category, Mendota may meet your specific needs.
Unfortunately, Mendota’s website offers limited information about available coverage types. It does provide a connection to an online portal from which to get answers.
Like most insurers, Mendota provides liability insurance, which is required in every state except New Hampshire. Mendota also offers optional coverage beyond what’s required. A Mendota insurance agent can provide you with an essential guide to coverage options so you can find a policy that meets your specific needs.
Here are some types of coverage Mendota offers:
Collision coverage
Collision insurance pays when you damage your own vehicle in a crash, no matter who’s at fault. It pays to replace a covered vehicle if your insurer declares it a total loss.
Some states require personal injury protection coverage. It pays for your medical bills and lost wages if minor injuries occur in a crash, regardless of who was at fault.
This reimburses you for a rental car while your car undergoes repairs. It’s available only for motorists with comprehensive and collision coverage.
Towing and labor cost coverage
This covers a tow and labor after a covered incident and is available only with comprehensive and collision coverage.
Custom parts coverage
This may cover permanently installedspecialized parts and equipment in the event of an eligible loss.
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Other options for Mendota customers
Mendota only offers auto insurance and is focused on high-risk policies. This means you won’t be able to bundle your coverage with another policy, though you can earn a discount on your auto insurance if you own a home.
But if you’re in the market for other insurance coverages, you’ll need to find them with another insurer.
Mendota insurance FAQs
If you still have questions about Mendota car insurance, the following information can help.
Is Mendota legitimate?
Yes. Mendota has a B rating from the Better Business Bureau and has been selling auto insurance since 1989. While the company is a legitimate, licensed insurer, it’s received a high number of consumer complaints and low customer service ratings.
What is the average cost of Mendota car insurance?
The average cost of Mendota liability insurance is $113 per month. The average price for full coverage is $233 per month. You’ll need to talk with a local independent agent to find out the specifics of what premiums will cost in your area.
Who owns Mendota Insurance Company?
Mendota is a wholly owned subsidiary of Premier Holdings Inc.
Is Mendota good at paying claims?
Mendota doesn’t have an AM Best rating, so its financial strength is unknown. It’s also not ranked by J.D. Power on its U.S. Auto Claims Satisfaction Study. But low customer ratings and a high number of complaints suggest many customers are dissatisfied with Mendota’s claims process.
How do I cancel my Mendota insurance policy?
You can contact your local independent insurance agent who sold you your policy. You can also make a phone call to Mendota to end your coverage by calling 1 (771) 210-4000.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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