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Celina Insurance Group Review & Complaints: Auto, Home, Business, & Farm Insurance

Celina Insurance Group is a group of four mutual insurance companies that offers a variety of basic personal and commercial insurance policies. Products offered by Celina Insurance Group include auto insurance, home insurance, business, and farm.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 11, 2020

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A group of four mutual insurance companies, Celina Insurance Group writes a variety of basic personal and commercial insurance policies. The company’s history traces back more than 100 years in Ohio.

About Celina Insurance Group

The National Mutual Automobile Association was chartered in Celina, Ohio in 1914, and in 1919 the same founders opened Celina Mutual Casualty Company to handle the liability side of the growing business. By 1925 they had moved to a larger headquarters, and in 1962 built an entirely new headquarters building, still in its original hometown of Celina.

The Celina Insurance Group added two additional member companies over the years. Today the group is comprised of National Mutual Automobile Association, Celina Mutual Casualty, Miami Mutual, and West Virginia Farmers Mutual. This expands Celina’s reach well beyond its roots in Ohio. Although all companies are a part of the group, each operates individually.

Product lines offered by Celina companies are auto insurance, home insurance, business, and farm. Celina currently operates in six states. All products lines are offered in Ohio, Indiana, Tennessee, and Iowa. In Kentucky and West Virginia, only farm insurance products are available.

Products are sold through independent local agents in each state.

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Celina Products

Celina offers four main products: auto, home, farm, and business. As mentioned above, availability depends on the state in which you live.

Auto Insurance

Celina serves both the standard and non-standard auto insurance markets through their group of companies. Non-standard auto is handled through Miami Mutual, which also writes motorcycle insurance policies.

Auto policies are available with packaged coverage for a reduced rate, but further detail regarding the packages is not offered. The site states that their preferred policy includes $5,000 in Medical payments, $5,000 in loss of income, and $2,000 in death indemnity, but there is no description of the base policy these are added onto.

In addition to basic coverage, Celina also has a list of fairly common optional add-ons. These include rental reimbursement, roadside assistance, replacement cost coverage on new vehicles, and loan/lease gap coverage. They also offer accident forgiveness as an endorsement, which is less common in smaller auto insurance companies.

There is a long list of available discounts. Included are the most common discounts like auto/home, claim-free, and safety features, and some less common ones as well. Among these are an empty nest discount, a stability discount for maintaining a home and job in the same place for several years, and a professional discount for college graduates that are employed in their field of choice. They also offer good student and several other discounts for young drivers.

The motorcycle policy from Miami Mutual also has some motorcycle-specific add-ons available, including accessories coverage, travel protection, and the option to insure on a sunny-day basis. This means that although they anticipate the motorcycle will be garaged during the winter, they will provide coverage for occasional driving.

Celina also offers non-owner insurance policies as well as coverage for a variety of specialty vehicles like RVs, ATVs, dune buggies, and golf carts.

Home Insurance

Celina writes home insurance for owner-occupied home as well as vacant and rental homes.

The home program has a base policy coverage of personal liability, structure, and personal property in one. Also included in the base policy is the LifeStages identity theft package.

In addition to the basics, there is a list of optional endorsements that can be added on. These include equipment breakdown, replacement cost for contents, increased replacement cost coverage for the structure, refrigerated property, and scheduled personal property.

There is a good list of discounts for home insurance as well, including an empty nest discount and a home modernization discount along with the common options like auto/home.

Business Insurance

Celina offers business insurance policies for a variety of industries including restaurants, retail, wholesale, offices, and used car dealers.

They offer a good range of commercial insurance coverage options:

  • Commercial Auto
  • General Liability
  • Commercial Property
  • Business Income
  • Inland Marine
  • Crime and Fidelity
  • Catastrophe Liability (Umbrella)
  • Worker’s Compensation
  • Equipment Breakdown
  • Professional Liability
  • Employment Practices Liability
  • Identity Management Services
  • CyberOne Coverage
  • Liquor Liability

Commercial Package policies are also available to combine common coverages in one.

Farm Insurance

Celina writes farm insurance for a variety of farms including dairy, livestock, grain, poultry, an equine.

They also offer a rural homeowners program for those that live in rural areas and have small farming operations that are not the main source of income.

These policies can include a wide variety of optional coverage in order to customize the farm package to each individual’s needs.


Online quoting is not available for any of Celina’s products. All quotes are handled through an agent, and the website offers an agent locator service. Also available is a contact form that can be filled out to request more information.

Without rates, we are unable to compare Celina to other companies, but we would generally expect them to be higher than major insurers, particularly than direct-buy companies. Celina’s standard and preferred lines of auto insurance are likely to be more competitive than their non-standard products. Of course, non-standard insurance rates should only be compared to similar companies.


There are two ways to report a claim with Celina. They can be reported over the phone through a toll-free number that is available 24/7. Alternately, although there is no online claims form for most claim types, claims can be filed via email.

Glass only claims are the only type of claim that can be filed directly online. They can also be filed through the same toll-free number.

Celina has a preferred repair network for auto claims; repairs at these shops come with a guarantee and direct interaction with the adjuster. Customers are welcome to select any repair shop they prefer.

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Ratings and Consumer Reviews

Celina Insurance has an A+ rating with the Better Business Bureau (BBB), and there are only 3 complaints on file in the past three years. The BBB file features several positive reviews of the company as well.

There are 19 reviews on Google for a total overall rating of 3.6 stars. There are a good number of glowing five-star reviews mixed in with a smaller number of negative reviews. The complaints are mainly focused on customer service issues, billing, and claims handling.

Overall, Celina seems to have a pretty good reputation, with a low complaint volume and plenty of positive reviews.

The Bottom Line

Celina Insurance offers fairly robust products with lots of options and plenty of discounts. Without rates it’s difficult to determine the value offered by their products, but they are worth a closer look and an agent quote based on the company’s reputation and good selection of options.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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Celina Insurance Group
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. I’ve been with this company for many years and I was late one day paying my bill.

    They will not waive the late fee.

    Looking for another insurance company.

  2. STAY AWAY!!

    The Claims adjuster we had to deal with when filing a claim was completely rude (literally yelling at me on 2 different conversations), extremely unprofessional, and was like dealing with an elementary student throwing a temper tantrum.

    THE WORST interaction I have EVER had with an insurance company (or professional in any business).

    Their adjuster dodged phone calls and delayed providing a response to claim for 2 months!

    Then denied our claim even though the crash report stated their client was at fault along with a letter from the prosecuting attorney stating their client broke the law.

    The reason for denial was because the police station filed several revisions to the crash report.

    Seems to be a very shady insurance company from my experience.

  3. If you want to pay a premium for just having an insurance name and do not expect any coverage, go with Celina. I had a builder’s risk policy, equipment and material were stolen, and they will not cover. Their excuse is that the material was not installed/attached to the building. They sent me the extra small letter policy and I could not find anywhere such thing, but they stick with that comment. On top of that, they sent me a letter saying that they will not renew my policy because I do not qualify….(because I put a claim!) OMG!… what kind of company is this?
    Just stay away from this company.

    • You are spot on with their behavior.

      My son is covered on our policy at no cheap rate either.

      A deer hit the car which they totaled and of course, everyone knows they sell the vehicle and recoup their money.

      When he got a speeding ticket two months after renewal they wanted me to sign an exclusion driver letter.

      What the heck is that? The poorest insurance company I have ever dealt with.

      If Trump wants to go after something or someone he should focus on the insurance business. The biggest rip off ever.

  4. STAY AWAY! One of the worst companies I have dealt with. Premium is almost double what other C-Store owners I have talked to pay and if you file a claim…OH my. The claim rep I dealt with was rude, didn’t seam to understand english and tried to screw me out of parts of claim. I knew I had coverage for things and even mentioned I had documentation for it and wanted to close claim before I was allowed to submit. Asking for her supervisor wasn’t much better, She seamed to know even less. Had In known they were this shifty, I would have went elsewhere or just go without, that’s how bad they are. BEWARE!!!!

  5. They do not return phone calls. They drag out paying out claims. Hire an attorney don’t waste your time with them. Don’t do what I did. Waiting on them to make an offer on car wreck .


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