Coops work where they work and don't where they don't. Mutual insurance coops also have to fight traditional banks and single-owner insurers and they do just fi

Coops work where they work and don't where they don't. Mutual insurance coops also have to fight traditional banks and single-owner insurers and they do just fine. State Farm is huge. Co-ops are just not good at some kinds of markets and so they lose there.