Branch Car Insurance Reviews

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Edited by: Matt Zane

About Branch Car Insurance

Branch is a car insurance provider that leverages technology and data analysis to offer personalized rates and simplify the insurance process. It operates as a managing general agent, partnering with established insurance carriers to underwrite policies. Branch emphasizes its "reciprocal exchange" model, where policyholders may share in the company's profits. It aims to make insurance more convenient through its website and mobile app.

Pros
  • Online/mobile access
  • Potential dividends for policyholders
  • Fast quotes
  • Bundling options
  • Streamlined claims process
Cons
  • Limited publicly available pricing info
  • Lack of detailed coverage explanations online

What is Branch Car Insurance?

Branch aims to simplify car insurance through technology. It uses data analysis to personalize rates and offers online and mobile policy management. Branch operates as a managing general agent, partnering with other insurance companies to provide coverage.

Branch Car Insurance car insurance coverage

Branch offers standard auto insurance coverages, including liability, collision, comprehensive, uninsured/underinsured motorist and medical payments/PIP.

Specific details about coverage limits and options are not readily available on the website. You’ll need to obtain a quote or contact the company for more information on Branch’s car insurance policies.

Information about other insurance products and bundling options, such as homeowners and renters insurance, is also limited.

Branch Car Insurance car insurance quotes and rates

Branch encourages users to get a personalized quote for pricing information. It states that it uses data and AI to determine rates, considering factors beyond traditional credit scores.

However, the specific factors and their impact on rates are not detailed. Discounts for bundling and safe driving are mentioned on its website, but no specifics are publicly available.

Branch Car Insurance FAQ

Does Branch Car Insurance have a safe driver discount?

Yes, Branch Car Insurance offers a safe driving discount. However, the exact details of this discount are not publicly available.

Where is Branch Car Insurance available?

Branch is available in 20 states:

  • Alabama
  • Colorado
  • Idaho
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Maryland
  • Michigan
  • Nebraska
  • New Hampshire
  • New Mexico
  • Oklahoma
  • Pennsylvania
  • South Dakota
  • Tennessee
  • Utah
  • Virginia
  • West Virginia
  • Wisconsin

Is Branch Car Insurance good car insurance?

Branch offers a tech-forward approach to car insurance with personalized rates and convenient online tools. However, the lack of publicly available information about pricing, detailed coverage options and the reciprocal exchange program makes it difficult to fully assess its value. Consumers should contact Branch directly for complete information and research independent customer reviews before making a decision.

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Branch Car Insurance Reviews

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    How do I know I can trust these reviews about Branch Car Insurance?
    • 4,728,865 reviews on ConsumerAffairs are verified.
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    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
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    Coverage

    Reviewed July 28, 2025

    I am an insurance agent. This is the most disorganized insurance carrier I have ever worked with over my last 20 years. They are terrible on customer support and service. This is the exact reason why online shoppers get such bad service but good rates. If you want cheap they might be a good fit but don't expect any level of normal service from this insurance company. Low premiums equal horrific insurance coverage. Less is definitely NOT more.

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    Branch Car Insurance Company Information

    Company Name:
    Branch Car Insurance
    Address:
    20 E. Broad St. Ste. 1200
    City:
    Columbus
    State/Province:
    OH
    Postal Code:
    43215-3403
    Country:
    United States
    Website:
    www.ourbranch.com