Auto insurance
Liability, comprehensive and collision on one policy, with uninsured motorist written to match your bodily injury limits.
- BI / PD limits
- 100/300/50
- Comp / coll deduct.
- $500 / $500
- UM / UIM
- 100/300
$1,284 / yrSample. Not a quote.
Where we are licensed, and who regulates us
Insurance is licensed and rated state by state. Availability, forms, endorsements and price all change at the state line, and this page says exactly how.
The schedule
A licence to write in a state is not the same as every line being available there. Where the schedule says personal lines, we do not currently write business owner policies in that state, and an agent will tell you so rather than quoting something we cannot bind.
No certificate of authority numbers appear on this page. A real carrier would print one per state and you could look each one up. Ironclad Mutual is a demonstration brand, and an invented number in the exact format a state issues is not safe for being invented — it can collide with a working carrier's. The regulator names below are real, and they are the part of this table you can actually use.
| State | Admitted | Lines available | Regulator |
|---|---|---|---|
| Ohio (OH) | 1948 | All lines | Ohio Department of Insurance |
| Michigan (MI) | 1954 | All lines | Michigan Department of Insurance and Financial Services |
| Indiana (IN) | 1957 | All lines | Indiana Department of Insurance |
| Pennsylvania (PA) | 1961 | All lines | Pennsylvania Insurance Department |
| Kentucky (KY) | 1966 | Personal lines, BOP | Kentucky Department of Insurance |
| West Virginia (WV) | 1968 | Personal lines, BOP | West Virginia Offices of the Insurance Commissioner |
| Illinois (IL) | 1972 | All lines | Illinois Department of Insurance |
| Wisconsin (WI) | 1975 | All lines | Wisconsin Office of the Commissioner of Insurance |
| Minnesota (MN) | 1979 | All lines | Minnesota Department of Commerce |
| Iowa (IA) | 1983 | Personal lines, BOP | Iowa Insurance Division |
| Missouri (MO) | 1988 | All lines | Missouri Department of Commerce and Insurance |
| Nebraska (NE) | 1994 | Personal lines | Nebraska Department of Insurance |
| Kansas (KS) | 1999 | Personal lines | Kansas Insurance Department |
| Tennessee (TN) | 2007 | Personal lines, BOP | Tennessee Department of Commerce and Insurance |
Why the same policy costs different money in Toledo and in Erie
Every rate a carrier charges in the United States is filed with, and in most cases approved by, the state regulator. So is every policy form and every endorsement. Two households with identical risk profiles thirty miles apart across a state line can be quoted very different numbers, and neither quote is wrong.
On top of the filed rate, the loss environment genuinely differs. Lake effect snow, hail frequency, sewer backup exposure in older housing stock, litigation climate and uninsured motorist rates all vary by state and by county. That is what the ZIP code question on the quote form is actually for.
Two words that decide what you actually own.
Almost every argument a US policyholder loses starts with one of these. Both are questions about who is standing behind the paper, and both have a plain answer.
Admitted or surplus lines?
- Policy forms and rates are filed with, and in most states approved by, the department of insurance.
- Backed by the state guaranty association: if the carrier becomes insolvent, covered claims are paid up to the state statutory cap.
- Your complaint goes to the state department of insurance, and it counts in the NAIC complaint index.
- Rate changes require a filing, so they are slower and more visible.
- Forms and rates are not filed. A surplus lines policy can be written to fit an unusual risk exactly.
- No guaranty association backing in almost every state. If the carrier fails, there is no fund behind the claim.
- Placed through a surplus lines broker, who must show the risk was declined by admitted carriers first.
- A state surplus lines tax and stamping fee is added to the premium.
Ironclad Mutual writes admitted business only, in all fourteen states on the schedule. If a risk cannot be written on an admitted form, an agent will say so and point you at a surplus lines broker rather than quoting something we cannot bind.
Agent or broker? Who do they act for?
- Holds an appointment from one or more carriers and can bind coverage on their behalf.
- In law, the agent is the insurer’s representative. What you tell the agent, you have told the carrier.
- A captive agent sells one carrier. An independent agent holds appointments with several.
- Paid a commission by the carrier, disclosed on request in every state we write in.
- Works for the applicant, not the carrier, and has no authority to bind unless a carrier grants it separately.
- Because the broker is your representative, telling the broker is not the same as telling the carrier.
- Usual route to surplus lines and to specialised commercial risk.
- May charge you a broker fee on top of, or instead of, carrier commission.
Everyone listed on our agents page is an appointed agent of Ironclad Mutual and acts for Ironclad Mutual, not for you. That is a real legal difference, and you should know which one you are speaking to before you disclose anything.
Decorative animation: insurance peril symbols falling past the pointer. It carries no information that is not also written on this page.
Price the whole programme, not one piece of it.
Four steps, about sixty seconds, and no obligation. An agent reads every line together so the limits actually meet.
Nothing here binds cover. No data leaves your browser on this demonstration site.