Assuranceamerica Auto Insurance Review [2025]
Assuranceamerica, offering non-standard car insurance for high-risk drivers in 10 U.S. states with an A+ Better Business Bureau rating, presents a potential option, yet caution is advised, as customer reviews on the BBB website reveal varied satisfaction levels.
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Table of Contents
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Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Rachel Bodine
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Ty Stewart
Updated April 2024
If you are considered a high-risk driver and are looking for a non-standard car insurance policy, AssuranceAmerica may work for you. Make sure the company is licensed to offer car insurance in your state before you take any other steps.
Before purchasing a policy with AssuranceAmerica — or with any car insurance company — you should shop around for coverage with multiple companies. Compare car insurance quotes and coverage options with different insurers to see what the differences are.
You may find that there’s a company out there that is able to offer you the same coverage for lower rates, or you may be interested in a car insurance company that has higher customer satisfaction. Take your time and do your research. This way, you’ll know you have found the best car insurance policy to meet your unique needs.
What You Should Know About Assurance America
- AssuranceAmerica offers non-standard car insurance to high-risk drivers in several states in the U.S.
- AssuranceAmerica’s car insurance policies focus on meeting each state’s minimum requirements for liability coverage
- Non-standard car insurance rates with AssuranceAmerica are often higher than average
If you’re searching for car insurance coverage, you may be interested in learning more about AssuranceAmerica car insurance options.
AssuranceAmerica offers auto insurance in several different U.S. states. The company focuses on issuing car insurance policies to high-risk drivers who might have a difficult time finding coverage with other car insurance companies.
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Assurance America Insurance Coverage Options
AssuranceAmerica Auto Insurance offers a range of coverage options tailored to high-risk drivers. While specific coverage options may vary by state and individual circumstances, the following are common types of coverage that may be available:
- Liability Coverage: This is the basic coverage required by most states. It includes two components:
- Bodily Injury Liability: Covers medical expenses, legal fees, and damages related to injuries you may cause to others in an accident.
- Property Damage Liability: Covers damage to others’ property, such as their vehicle or other structures.
- High-Risk Auto Insurance: AssuranceAmerica specializes in providing coverage for high-risk drivers. This type of coverage is designed for individuals with a history of accidents, traffic violations, or other factors that make them challenging to insure through standard policies.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who has insufficient or no insurance coverage. It can cover medical expenses and property damage.
- Comprehensive Coverage: Covers damage to your vehicle caused by non-collision events, such as theft, vandalism, natural disasters, or hitting an animal.
- Collision Coverage: Covers damage to your vehicle resulting from a collision with another vehicle or object.
- Medical Payments Coverage (MedPay): Pays for medical expenses for you and your passengers, regardless of fault, in the event of an accident.
- Personal Injury Protection (PIP): Similar to MedPay, PIP covers medical expenses and may also include lost wages and other expenses related to injuries sustained in an accident.
- Rental Reimbursement Coverage: Pays for the cost of renting a vehicle while your car is being repaired after a covered accident.
- Towing and Labor Coverage: Covers the cost of towing and basic roadside assistance services, such as jump-starts and tire changes.
It’s important to carefully review the specific coverage options available in your state and consult with an AssuranceAmerica representative to tailor a policy that meets your needs and complies with state requirements.
Read more: Aggressive Auto Insurance Review
What is high-risk car insurance?
High-risk car insurance is car insurance coverage for drivers who are considered more of a risk behind the wheel. Some examples of why you might need to purchase high-risk car insurance — or non-standard car insurance coverage — include:
- You’ve had multiple car accidents in the past year.
- You’ve received multiple tickets or citations in the past year.
- You have bad credit.
- You’ve been convicted of a DUI or DWI.
- You’ve had a lapse in coverage.
- You own a sports car.
- You’ve had to file an SR-22 or FR-44 with your state.
- You’re a new driver or a teen driver.
- You live in a high-risk area.
Read more: Understanding FR-44 Auto Insurance Coverage
When car insurance companies consider you to be high risk, you will notice that you are expected to pay car insurance rates that are higher than average. You may also notice that you are consistently turned down for car insurance coverage.
What is AssuranceAmerica’s car insurance coverage like?
If you are searching for non-standard coverage, you may notice that most policies you come across do not offer full coverage options. Car insurance coverage with AssuranceAmerica focuses on meeting each state’s liability requirements rather than offering exhaustive options for coverage.
AssuranceAmerica currently offers car insurance in the following states:
- Alabama
- Arizona
- Florida
- Georgia
- Indiana
- Missouri
- Nebraska
- South Carolina
- Texas
- Virginia
In each of these states, AssuranceAmerica allows clients to purchase liability-only policies that meet their state’s requirements concerning minimum coverage.
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Assurance America Insurance Rates Breakdown
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| Driver Profile | AssuranceAmerica | National Average |
|---|---|---|
| Clean Record | $210 | $119 |
| 1+ Ticket | $270 | $147 |
| 1+ Accident | $340 | $173 |
| DUI | $350 | $209 |
| Poor Credit | $361 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Most companies that offer high-risk car insurance options charge higher rates for liability car insurance policies. While AssuranceAmerica does not offer specific quotes or car insurance coverage options on the company website, the table below shows average monthly high-risk car insurance rates in each state.
Monthly High-Risk Auto Insurance Rates by State
| States | Monthly High-Risk Insurance Rates |
|---|---|
| Alabama | $91 |
| Alaska | $89 |
| Arizona | $98 |
| Arkansas | $83 |
| California | $156 |
| Colorado | $107 |
| Connecticut | $120 |
| Delaware | $116 |
| District of Columbia | $87 |
| Florida | $172 |
| Georgia | $132 |
| Hawaii | $78 |
| Idaho | $51 |
| Illinois | $89 |
| Indiana | $62 |
| Iowa | $57 |
| Kansas | $74 |
| Kentucky | $80 |
| Louisiana | $166 |
| Maine | $57 |
| Maryland | $145 |
| Massachusetts | $96 |
| Michigan | $334 |
| Minnesota | $88 |
| Mississippi | $95 |
| Missouri | $84 |
| Montana | $69 |
| Nebraska | $72 |
| Nevada | $152 |
| New Hampshire | $68 |
| New Jersey | $126 |
| New Mexico | $93 |
| New York | $225 |
| North Carolina | $115 |
| North Dakota | $50 |
| Ohio | $58 |
| Oklahoma | $98 |
| Oregon | $63 |
| Pennsylvania | $77 |
| Rhode Island | $96 |
| South Carolina | $98 |
| South Dakota | $63 |
| Tennessee | $77 |
| Texas | $96 |
| Utah | $98 |
| Vermont | $67 |
| Virginia | $62 |
| Washington | $89 |
| West Virginia | $72 |
| Wisconsin | $66 |
| Wyoming | $68 |
Monthly rates for a liability-only high-risk car insurance policy may seem high, but they take into account the fact that you’re considered more of a risk behind the wheel. Before you decide to purchase a non-standard policy with any company, it’s a good idea to shop around online and compare car insurance rates from multiple companies.
Assurance America Discounts Available
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| Discount | AssuranceAmerica |
|---|---|
| Anti Theft | 10% |
| Good Student | 10% |
| Low Mileage | 13% |
| Paperless | 5% |
| Safe Driver | 16% |
| Senior Driver | 17% |
AssuranceAmerica is dedicated to providing cost-effective solutions for high-risk drivers through a variety of discounts. When exploring coverage options, consider the following potential discounts available:
- Safe Driver Discount: Rewarding drivers with a history of safe and responsible driving behavior.
- Multi-Policy Discount: Enjoy savings by bundling multiple insurance policies with AssuranceAmerica.
- Loyalty Discount: Recognizing and rewarding long-term customers for their loyalty.
- Multi-Vehicle Discount: Savings for insuring multiple vehicles under the same policy.
- Good Student Discount: Encouraging academic excellence by offering discounts to eligible student drivers.
- Defensive Driving Course Discount: Lower rates for completing an accredited defensive driving course.
- Anti-Theft Device Discount: Discounts for vehicles equipped with anti-theft devices, enhancing security.
- Pay-in-Full Discount: Enjoy savings by paying your premium in a single, upfront payment.
- Automatic Payment Discount: Streamline your payments and receive additional savings through automatic payments.
- Paperless Billing Discount: Opt for environmentally friendly and convenient paperless billing to access additional discounts.
To determine the specific discounts applicable to your situation and explore potential savings, use our free auto insurance comparison tool. AssuranceAmerica is committed to making insurance affordable and tailored to your unique needs. Secure your quote today and drive with confidence.
How Assurance America Ranks Among Providers
In the dynamic landscape of auto insurance, AssuranceAmerica faces competition from several key players striving to meet the diverse needs of high-risk drivers. Understanding the competitive field is crucial for individuals seeking the best coverage options. Here are the main competitors challenging AssuranceAmerica’s position in the market:
- Geico: Geico is renowned for its extensive reach, competitive rates, and a wide range of coverage options. With a strong online presence and efficient customer service, GEICO competes by offering alternatives to high-risk drivers.
- Progressive: Progressive excels in providing innovative solutions and a user-friendly experience. Their Snapshot program, which monitors driving habits, appeals to drivers seeking personalized, usage-based insurance – a segment AssuranceAmerica also targets.
- The General: Like AssuranceAmerica, The General specializes in providing coverage for high-risk drivers. With a focus on simplicity and accessibility, The General competes by offering straightforward policies and a quick quoting process.
- State Farm: State Farm’s vast network of agents and comprehensive coverage options make it a formidable competitor. High-risk drivers may find alternatives through State Farm’s personalized approach and diverse policy offerings.
- Allstate: Allstate’s reputation for reliability and a wide array of coverage options positions it as a strong competitor. Their commitment to customer satisfaction and innovative features challenges AssuranceAmerica to continually enhance its offerings.
In the competitive arena of auto insurance, AssuranceAmerica faces formidable adversaries, each with its unique strengths. As drivers explore coverage options, understanding the landscape and comparing offerings from these competitors is essential.
By leveraging the information provided here, individuals can make informed decisions, ensuring they secure the best possible coverage for their unique needs. Drive confidently by exploring the diverse options available in the market today.
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Can AssuranceAmerica policyholders make claims online?
AssuranceAmerica allows clients to use their AssuranceAmerica customer login in order to make monthly car insurance payments on the company website, but the company does not currently offer the option for clients to make car insurance claims online.
In order for AssuranceAmerica policyholders to make a car insurance claim, they will need to call the AssuranceAmerica customer service phone number. By contacting the AssuranceAmerica customer service office, policyholders will be able to speak with an agent or representative who will help them file a claim and will also answer any questions they may have.
While some larger companies offer options on smart devices and mobile phones, there is no AssuranceAmerica app for clients to use in order to file a claim, check the status of a claim, or access information on their current car insurance policy.
Digital and Technological Features: AssuranceAmerica Auto Insurance
Mobile App Features and Functionality
AssuranceAmerica’s mobile app enhances the overall customer experience with its intuitive features and functionality. The app allows policyholders to manage their accounts, access policy information, and file claims seamlessly.
Additionally, it may offer features such as bill payment options, document uploads, and real-time updates on claim statuses. The mobile app serves as a convenient tool for customers to engage with AssuranceAmerica’s services on the go.
Online Account Management Capabilities
AssuranceAmerica’s online account management capabilities empower customers to take control of their insurance needs. The platform provides a range of features, including policy management, document storage, and premium payment options.
The user-friendly interface ensures that policyholders can easily navigate and access vital information about their coverage, promoting transparency and convenience.
Digital Tools and Resources
AssuranceAmerica integrates digital tools and resources to enhance the overall insurance experience. These may include educational resources, FAQ sections, and interactive tools to help customers make informed decisions.
The incorporation of digital resources aligns with AssuranceAmerica’s commitment to providing comprehensive support beyond the traditional insurance offerings, empowering customers with valuable information and tools.
Does AssuranceAmerica have good reviews?
AssuranceAmerica does not have a financial strength rating with A.M. Best, but the company does have an A+ rating with the Better Business Bureau (BBB). Unfortunately, customer reviews on the BBB website are not very positive, and the company has garnered just one out of five stars when it comes to customer satisfaction.
Frequently Asked Questions
What is AssuranceAmerica Auto Insurance?
AssuranceAmerica is a car insurance company that offers non-standard car insurance coverage to high-risk drivers who may have difficulty finding coverage with other car insurance companies. The company operates in 10 states in the U.S.
Is AssuranceAmerica a good choice for car insurance?
It depends on your specific situation. AssuranceAmerica has an A+ rating with the Better Business Bureau, but customer reviews on the BBB website are not very positive. If you are considered a high-risk driver and are looking for non-standard car insurance coverage, AssuranceAmerica may work for you.
Does AssuranceAmerica offer specific quotes or car insurance coverage options on their website?
No, AssuranceAmerica does not offer specific quotes or car insurance coverage options on their website. However, you can contact the company directly to get more information about their coverage options and rates.
What states does AssuranceAmerica offer car insurance in?
AssuranceAmerica currently offers car insurance in Alabama, Arizona, Florida, Georgia, Indiana, Louisiana, Mississippi, New Mexico, South Carolina, and Texas.
Does AssuranceAmerica allow clients to make claims online?
No, AssuranceAmerica does not currently offer the option for clients to make car insurance claims online. Policyholders will need to call the AssuranceAmerica customer service phone number to file a claim.
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