Cameron Mutual car insurance review April 2019 |

Cameron Mutual car insurance review

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  • Personalized service
  • Available in AR, IA, and MO
  • Convenient online system

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Enjoy in-person support from knowledgeable, local agents

  • Get a quote if you want perks from a local mutual company.
  • Pick something else if you like to manage your account online.
  • Drivers in Missouri, Arkansas and Iowa can sign up for coverage.
States served Arkansas, Iowa, Missouri
Roadside assistance Optional
Pay schedule 12 months, 6 months
Claims methods online, in-person
New car protection No
Accident forgiveness No


  • Policyholders have a voice
  • Local, in-person support
  • Multiple discounts


  • Only available in Arkansas, Iowa and Missouri
  • No mobile app
  • No online account management
  • Limited online information
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount Yes
Loyalty discount No
Homeowner discount No
Military discount No
Safety device discount Yes
Special employment discount No
Usage-based discount No
Other discounts
Rideshare coverage No
SR-22 coverage No
Temporary & short term coverage No

Who is Cameron Mutual best for?

Cameron Mutual is ideal for drivers in Arkansas, Iowa and Missouri who want to get personal quick and service. Policyholders also have the unique opportunity to have a voice in the financial decisions of their insurer

As a mutual insurance company, Cameron doesn’t have any shareholders. Policyholders can take part in director elections and policyholder meetings. This level of transparency gives you an opportunity to see how Cameron Mutual makes financial decisions and what it prioritizes most.

Unlike larger providers, you won’t get the online access and quote tools. Instead, contact your local agent for help with managing your policy. Cameron Mutual can help you fill your auto insurance needs, and also offers home, renters, boat and umbrella insurance.

What is Cameron Mutual?

Personal service from people who care is the Cameron Mutual motto. In business since 1892, Cameron Mutual Insurance Company has been helping people get protection and coverage for their vehicles, homes, farms and businesses.

Local, independent agents can give you in-person support to find the coverage you need.

What car insurance coverage does Cameron Mutual offer?

Cameron offers the standard coverage of liability, collision and comprehensive. Exact specifics and coverage limits vary from each independent insurance agent, so it’s best to contact your local agent for specifics and add-ons.

  • Bodily injury. Covers injuries to others in the case of an at-fault accident
  • Property damage. Covers damage to other vehicles or property for an at-fault accident.
  • Collision. Covers damage to your vehicle when you cause an accident
  • Comprehensive. Covers damage to your vehicle caused by anything other than an accident, such as fire, hail, flooding and more.
  • Medical payments. Covers injuries to you or your passengers.
  • Uninsured/underinsured motorist (UM/UIM) coverage. Covers medical expenses if you’re injured by a motorist without liability insurance or limited coverage.

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Cameron Mutual car insurance rates

Rates with any provider vary by your state of residence, your driving record and the car you intend to insure, among other factors.

Customers online say that this niche provider offers rates at fair and competitive prices, compared with other larger national providers. To get a quote, you have to visit a local agent.

You can get discounts on your rate if you have good driving habits, insure multiple cars and more.

What discounts can I get with Cameron Mutual?

  • Safe driver rewards for loyal customers. You could be eligible for a discount of up to 20% for good driving habits
  • Multi-car discount. When you insure more than one vehicle with Cameron, you save on each vehicle.
  • Companion policy discount. Insure your home and personal auto with Cameron and you can get a 14% discount on homeowner premiums and 15% off auto premiums.
  • Passive restraint discount. If your car has qualifying safety features, you can save money on your medical pay premium.
  • Good student discount. Full-time students who meet certain criteria can earn a discount on their premiums.

What’s not covered by Cameron Mutual car insurance?

Most vehicle makes and models are covered by Cameron Mutual. You’re probably going to get a better rate if you have a standard economy car, truck or SUV. Sports cars like Ford Mustangs, Mercedes or other luxury vehicles should be covered, but you’ll probably find a better rate elsewhere.

Are there any coverage maximums?

Cameron Mutual has a maximum of $250,000 in bodily injury coverage per person and $500,000 per accident. There’s not too much more offered on the site, and and the customer service representative was vague, stating that general coverage maximums vary by state.

Pros and cons of Cameron car insurance


  • Policyholders have a voice. As a mutual insurance company with no shareholders, policyholders have the right to know the company is acting in their best interests.
  • In-person support. Products and services are bought and managed through a network of knowledgeable, independent agents.
  • Multiple discounts available. A standard selection of discounts are available, allowing a person to save big on their auto insurance policy.


  • Limited reach. Cameron Mutual only provides service in Missouri, Arkansas and Iowa.
  • No mobile app. No mobile app makes it difficult to manage a policy on the go.
  • Little online access. Policies are managed by local agents. There isn’t an option to manage your policy and change details — all you can do is pay your bill online.
  • Limited online information. Finding out details about insurance products and services can be tough when visiting the Cameron Mutual site. To get further details, you have to contact a local agent, which means more of your time spent researching.

What do customers say about Cameron Mutual?

Cameron Mutual is not accredited by the Better Business Bureau (BBB), but it does have a stellar A+ rating. Only one customer complaint was placed with the BBB about Cameron. Cameron doesn’t have a presence on Trustpilot.

According to many online reviews, customer service with Cameron Mutual is generally poor. The reviews focus on issue with claims, including claims being undervalued or drawn out into a long process. Some customers also complain about being hung up on or sent to an answering machine when calling in about an issue.

Keep in mind that negative reviews are common across most insurance providers. Consider customer opinions as you do your own research to make the best decision for you.

How to apply

Unfortunately, you can’t apply for a policy or get a free quote online. You’ll need to call a local agent.

What info do I need to apply?

To get a free quote, you will need your driver’s license, contact information and vehicle identification number (VIN).

How do I find a Cameron Mutual agent near me?

  1. Go to the Cameron Mutual website and click Find an Agent in the top menu.
  2. Enter your address and click Search.
  3. A list of local agents will appear. Contact the one most convenient for you to get a free quote.

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How to make a claim

If you’re in an accident, you can make a claim by contacting your local agent or starting the claims process online.

Contact your agent

Your local agent’s name, address and phone number is listed on your policy documents and auto insurance ID cards.

  1. Contact your insurance agent. Get in touch with your insurance agent to let them know what happened. Your insurance agent can help you figure out the next steps and forms you will need to fill out.
  2. Contact the Cameron Mutual claims office. Contact the Cameron Mutual claims office at 816-832-6511 from 7 a.m. to 5 p.m. CT during weekdays. After hours, you can get in touch at 877-226-4577 or by emailing
  3. Give any needed information. This includes the vehicle information, driver information and insurance information for all parties involved.

After getting in contact with your agent and Cameron’s claims office, claims can take around 10 business days to process.

Report your claim online

  1. Go to Cameron Mutual’s website and in the top navigation bar, click My Cameron.
  2. Click Report a Claim in the dropdown menu.
  3. Under Report Your Claim Online, select Click Here.
  4. Provide information about your claim, including your policy details, the date the incident occurred and contact information for all parties involved.
  5. A Cameron Mutual agent will follow up with you to walk you through the next steps in the process.

How to contact Cameron Mutual

  • By phone. Call 800-326-6511 from 8 am to 4:30 pm CT Monday through Friday.
  • By mail. Post any letters to:
    • Cameron Mutual
    • 214 McElwain Drive
    • Cameron, MO 64429
  • For general information. Email
  • For billing and payment information.Email

Does Cameron Mutual offer other types of insurance?

Cameron Mutual’s insurance products extend beyond just personal insurance.

  • Business insurance
  • Farm insurance
  • Umbrella insurance
  • Homeowners and renters insurance
  • Boat insurance
  • Inland marine insurance

What car insurance providers are similar to Cameron Mutual?

For in-person support, Allied Insurance and Elephant Insurance are two providers similar to Cameron. These providers are agent-driven and focus on the personal touch of being able to talk with someone face to face. Discounts are similar, including good driving, multi-car policy and good student discounts.

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Bottom line

Want an auto insurance provider who acts in your best interest and offers personal service? Cameron Mutual could be an option, with its large network of independent agents in Missouri, Arkansas and Iowa to help you get covered.

If you’re looking for online support or transparent policy information, consider alternatives to Cameron. Compare your car insurance options to find the best one for you.

Frequently asked questions about Cameron Mutual

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