If you’re shopping around for car insurance, you may have come across Cornerstone National Insurance. There isn’t much information about this insurer on the company’s website, so we did some digging into Cornerstone auto insurance coverage, discount opportunities, and customer satisfaction ratings.

Read on for our full review. To go ahead and start comparing free quotes from the industry’s best car insurance companies, enter your zip code below or call our designated quotes team at (844) 246-8209.

Compare auto insurance rates
Enter your zip code to shop for the best rates in your area:

Cornerstone National Insurance Overview

Cornerstone National Insurance was founded in 1996 and today is headquartered in Missouri. The company was recently acquired by CFM Insurance but continues to manage itself separately. It is not rated or accredited by the Better Business Bureau, and it has an A- financial strength rating from AM Best.

Cornerstone auto insurance is available in seven states:

  • Arkansas
  • Illinois
  • Indiana
  • Kansas
  • Missouri
  • Oklahoma
  • Tennessee

Over the years, the insurance provider operated with the goal to provide fast service with personalized attention from agents. In addition to car insurance, you can get home insurance, life insurance, and business insurance through Cornerstone.

Why You Can Trust Motor1 At Motor1, we are dedicated to supplying car owners with the well-researched, fact-checked information they need to make sound decisions about auto insurance. Our team analyzes provider offerings and customer insights so you can feel empowered to make the best choice.
Reviews Analyzed Motor1
4,330 Reviews Analyzed
Companies Reviewed Motor1
43 Companies Reviewed
Customers Surveyed Motor1
8,500 Customers Surveyed

Cornerstone Auto Insurance Coverage

If you choose to go with Cornerstone, you will have access to the standard types of car insurance:

There aren’t any other types of coverage listed on the Cornerstone website, so you’ll want to make sure to ask about additional types of coverage like roadside assistance and rental car reimbursement if those are important to you.

Cornerstone Auto Insurance Cost And Discounts

Car insurance rates vary by driver and vehicle, so it can be difficult to estimate how much you will pay with a certain provider unless you reach out for a quote yourself. Personal factors like your age, marital status, and driving history affect your premium, as well as the make, model, age, and mileage of your vehicle.

Cornerstone auto insurance reviews tell us that there are often miscommunications regarding rates. Some customers claim to have been quoted a certain amount but saw rate increases over time.

Discounts are an easy way to save money on car insurance, but Cornerstone doesn’t list any online. If you reach out for a quote, some common discounts that you can ask about include a safe driver discount, home and auto bundling discount, good student discount, and discount for having safety features in your vehicle.

Cornerstone Reviews And Ratings

Cornerstone National Insurance has a 3.1-star rating on Google reviews. Customers complain about coverage misunderstandings and being unable to contact an agent during the claims process. Comments frequently state that the Cornerstone auto insurance claims process is long and arduous.

“These folks are scam artists. Every time we had a question or needed to change [the] policy, [it] took weeks to try and get it done.”

– Ronald B. via Google reviews

“Do not trust these people. Read your policy fully before you sign anything. You may think you have full coverage until they start quoting the ‘exclusions,’ then you realize you really don’t have [it]!”

– D. Crawford via Google reviews

Apps And Technology

Unfortunately, Cornerstone National Insurance doesn’t have an app for customers to manage their auto policies on the go. The website has a customer dashboard where customers can make payments, access insurance ID cards, view policy documents and update information, and file insurance claims.

Our Take On Cornerstone Auto Insurance: 2.0 Stars

Due to its limited availability and lack of information online, Cornerstone National Insurance earns a 2.0-star rating from our review team. You won’t find many extras with Cornerstone auto insurance, and customer reviews are poor regarding communication and pricing.

Pros Excellent financial strength rating from AM Best
Cons Limited coverage options No discounts listed on website Poor customer reviews note unexpected rate increases and coverage exclusions No mobile app

You may be able to get a decent price on coverage if you speak to a local Cornerstone agent. Just make sure you understand your policy thoroughly before signing on the dotted line. If you’re interested in checking out a few more options, there are plenty of trustworthy auto insurance companies out there.

Top Recommendations For Car Insurance

When you’re shopping for car insurance, make sure you do your research and compare multiple quotes. This search allows you to get the best rates and find an insurance company that has the coverage you value most.

To help you out, we reviewed the best car insurance companies in areas such as coverage, customer service, affordability, and discounts. Check out a few of our top providers below, which are each available in all 50 states. You can also enter your zip code or call (844) 246-8209 to get free, personalized quotes.

Compare auto insurance rates
Enter your zip code to shop for the best rates in your area:

State Farm: 4.6 Stars

In our State Farm insurance review, the nation’s biggest car insurance company earned a 4.6-star rating for its affordable rates and above-average customer service from local agents. This provider offers a variety of coverage including roadside assistance and rental car reimbursement. There are also many discount opportunities for things like going accident-free, bundling policies, and having certain safety features installed in your car.

USAA: 4.8 Stars

USAA is known for its high level of customer service, which helped the insurance company earn a 4.8-star rating in our industry review. Coverage from USAA is only available to members of the military and their families. However, the insurer offers full coverage at very affordable rates. You can get extras like roadside assistance and glass coverage too. Ask an agent about discounts for low annual mileage, defensive driving courses, and signing up for automatic payments.

Learn more about coverage in our full USAA auto insurance review.

Progressive: 4.6 Stars

Progressive earned a 4.6-star rating for its low rates for high-risk drivers and excellent technology. This company allows you to compare multiple providers right on its site, so you can see how Progressive stacks up against the competition. You can purchase full coverage and add-ons like roadside assistance and rental car reimbursement. Save money with discounts for adding multiple cars to your policy, bundling multiple policies, being a good student, and driving safely.

Read our complete Progressive auto insurance review to find out more.


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.