EMC Car Insurance Review [2020]

EMC car insurance is sold through independent agents in more than 40 states. Combine multiple lines of insurance through EMC and save up to 30% on your monthly payments.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 27, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Company Details
Address: 717 Mulberry Street
City: Des Moines
State: IA
ZIP Code: 50306-0712
Phone Number: 800-447-2295
Year Founded: 1911
AM Best Rating: A (Excellent)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • EMC offers standard coverage options for your vehicle
  • They offer extra options to cover situations outside of the norm
  • You can get a rate quote online

EMC Insurance was founded 1911 and is among the top 60 insurance organizations in the United States. EMC is financially stable and employs more than 2,100 employees in 16 different locations.

EMC Insurance is sold through independent agents in more than 40 states. You should shop around for insurance coverage and get rate quotes from at least a few different companies.

Read through this EMC car insurance review and then get started with your free auto insurance comparison online!

Coverage Offered by EMC Car Insurance

  • Liability – This includes both bodily injury and also property damage. This coverage is used whenever there is damage to someone else’s property. This coverage will be used if someone is injured during an accident.
  • Medical Payments – This coverage pays for medical expenses caused by a covered loss.
  • Personal Injury Protection – This coverage is only available in some states. If you are injured in a covered loss and you have medical bills, this coverage can help you pay your medical bills.
  • Uninsured Motorist/Underinsured Motorists This coverage is used when you are involved in an accident with someone who does not have enough insurance to pay for your damages. It can also be applied when someone damages your vehicle and does not have any insurance.
  • Collision – This coverage is used for damages to your vehicle during a covered loss.
  • Comprehensive – This coverage is used when there is damage to your vehicle that is not caused by hitting an object or overturning.
  • Towing – This coverage can be applied if your vehicle is disabled needs to be towed.

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Other Optional Coverage with EMC Insurance

  • Optional Transportation Expenses – This coverage can be applied if you need transportation after a covered loss. This can be applied toward a taxi or public transportation.
  • Increased Limits for Sound Reproducing Equipment – This coverage can increase your limits if you have a car stereo installed into your vehicle. If you have installed an expensive aftermarket audio system into your vehicle, you may want to purchase this coverage.
  • Media – You may want to consider buying this coverage if you have a lot of CDs or DVDs in your vehicle at all times.
  • Auto Loan/Lease – This coverage will help to bridge the gap between what your vehicle is worth and the amount of the loan. If your vehicle is a total loss, then you may owe more than what your vehicle is worth. If you buy this coverage, you can apply it so that the balance of your loan is paid off

When you buy an EMC Insurance policy, you will be able to access your policy information online. You can report a claim online or over the phone using a toll-free number.

Make sure that you compare your online EMC auto insurance quotes with quotes from other insurance companies by using our free car insurance tool!

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