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Mendota Insurance Company Review & Complaints: Auto Insurance

Mendota Insurance Company offers Mendota auto insurance policies alongside Mendota flood insurance which is underwritten by American Bankers Insurance Company. Our Mendota Insurance review finds that online Mendota insurance quotes are not offered, but Mendota Insurance claims can be filed online or over the phone.

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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 22, 2020

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Based out of Minnesota, Mendota Insurance is focused on the non-standard auto insurance market. They provide coverage to drivers who are having trouble obtaining it elsewhere across the country.

About Mendota

Mendota Insurance has been in business since 1989 and offers auto insurance in the non-standard market. They are a wholly owned subsidiary of Kingsway Financial. The company website is very bare-bones and dated, and there is not a lot of specific information regarding the company’s history.

Auto insurance is the company’s main product, and it is sold by independent agents across the country. They also offer flood insurance, but this is underwritten by American Bankers Insurance Company and not directly. Auto appears to be the only product Mendota underwrites.

Mendota’s headquarters is located in Eagan, Minnesota, but they have offices in various locations including California and Tennessee.

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Mendota Auto Insurance

The Mendota website does not offer much in the way of detail regarding their auto insurance program. The website simply states that they insure drivers that have trouble getting coverage elsewhere, and to contact an agent for more information.

This type of company typically writes a lot of bare bones, legal minimum policies. That is mainly due to the fact that drivers in search of non-standard insurance are facing very high rates due to their status as high-risk, and as a result, frequently choose only basic insurance to save money.

We would assume that Mendota offers coverage options beyond the legal requirements for liability, but the site offers no real information on their coverage.

Rates

It is not surprising to see the lack of information regarding rates on the Mendota site. Online quoting is not offered and quotes can only be obtained through an agent.

Since this is a non-standard insurance company, rates are only comparable to other similar companies and not to standard insurance company rates. We did find many comments in the reviews of this company stating that their rates were low, but we are unable to provide a comparison.

Claims

Mendota has a 24/7 claim reporting line that is toll-free and also offers claims reporting online at MyMendota.com. This same website can be used to follow up and track the progress of a claim. This is accessible only to customers that are logged into the system.

The website offers a FAQ claims section that answers basic questions about the claims process. The company does not appear to have a preferred repair shop network based on the information found on the website.

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Ratings and Consumer Reviews

Mendota has an A- rating from the Better Business Bureau (BBB), with a total of ten complaints on file in the past three years. These complaints appear to be the basis for the slightly lowered rating, although in our experience that is not a high complaint volume even for a smaller company.

Consumer Affairs has 91 reviews of Mendota, 81 of which left star ratings that result in an overall 1.5-star rating. The majority of the reviews are negative, with a few positive reviews scattered in. Most of the complaints are regarding poor customer service, difficulty with claims, and billing issues.

Google has 134 reviews of Mendota, and the resulting rating is 1.2 stars. Again, there are a lot of complaints about claims handling and difficulty reaching company representatives. The overall impression is very negative.

The Bottom Line

Non-standard insurance can be difficult to find at a good price and with good service, but it is likely that there are better choices out there. Mendota’s lack of information available and the repeated complaints about claims problems throw up some red flags that lead us to recommend looking elsewhere.

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

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Review Information

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Mendota Insurance Company
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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.

5 Comments

  1. This insurance company sucks and they are scammers.

    Beating people out of their money and won’t help with their own end.

    One of their customers ran a stop sign and hit me.

    Haven’t heard a word from them, my vehicle is damaged badly and they won’t pay for the damage.

    They are a total rip off and this company needs to be put down ASAP.

    All reviews I’ve read on this company are stating how this company has ripped them off.

    Shame on Mendota.

    Reply
  2. Marie Shugart was my agent for almost 6 yrs and she’s full of lies this company doesn’t tell you that you’re getting rates higher

    she told me I have an sr22 that it came from the d.m.v directly

    I went to the d.m.v thank you they told me they don’t place that the insurance does…

    WOW really she is such a liar saying the d.m.v has it’s own government…

    I have not had any accidents or tickets since I had them

    I’m dropping them because they’re a bunch of scammers starting with Mrs. Shugart

    I WANT MY MONEY BACK UPPER MANAGEMENT NEEDS TO KNOW WHAT KIND OF JOKE THIS INSURANCE IS

    Reply
  3. This company is horrible. They lost my credit card payment, canceled me, found the payment 24 hours later, then refused to reinstate me because I filed a complaint to the state. Whatever you do don’t waste your money or time. Use Dairyland insurance, same money 10 times better company.

    Reply
  4. I was involved in a crash on 3/1 with a Mendota insured. What a NIGHTMARE!!!! The Mendota insured never reported the claim. I called and reported the claim on 3/7 since he obviously wasn’t going to do it.
    I was advised on 3/7 that I would get a call from an adjuster in 32-48 hours. It is 3/17 (10 days later) and still no one has called me.
    I have tried for 3 days to get ahold of someone in claims and can only get the automated answering service to put me on hold saying someone will be with me.
    This happened for 3 solid days.
    The first day I was on hold for 4 hours (2 hours and later on 2 hours), just put phone on speaker, to no avail no one came to the phone, just music.
    The second day I was on hold a total of 3 1/2 hours (1 1/2 hours & 2 hours), to no avail this day either, eventually their system just cut me off.
    On day Three, I start at 8am calling, first time 1 hour on hold, I hang up call back and am on hold for 2 hours, eventually hang up.
    Not sure why they are still in business!
    Are they a real company?
    So today, I utilize the reporting portion of their departments and get a nice young lady who tries to help me and I explain to her the trials of getting someone on the phone at Mendota. She puts me on hold, and comes back several times, telling me she is trying to get someone in the claims department.
    Ultimately after she tries for over 30 minutes she tells me that she will take a message and have someone call me back. She even tries to go into the claims department stating I was an Agent to see if that would help speed up the process…UMMMM NO IT DIDN”T.
    MENDOTA should be shut down, I don’t think that they really do anything.

    Reply
  5. I really am starting to get pissed off why don’t you guys call anyone back
    It’s been a few months now and I can’t get my truck fixed let’s get this settled
    My claim # [Redacted]
    Your person handling the case [Redacted] won’t answer my calls or return them
    Mendota insurance sucks
    You insured the guy that hit my truck now pay up if you didn’t want to pay why would you insure a bad driver
    He admitted fault at the accident scene and to the Police it was his fault
    I guess I will just file a small claims against your guy that hit my truck and he can figure it out with you

    Reply

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