AssuranceAmerica insurance review 2025
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At a glance
Bankrate's take
AssuranceAmerica is a regional carrier that focuses on providing coverage for high-risk drivers. If you fit this demographic, it might be your company of choice. However, it has a higher-than-average number of customer complaints and little opportunity to customize your policy to fit your needs.
- Donates 5 percent of all policy profits to local nonprofits
- Little transparency about available coverage types
- Specializes in high-risk drivers, SR-22 forms available
- High complaint volume
AssuranceAmerica car insurance review
AssuranceAmerica sells simple policies that may appeal to high-risk drivers who might have difficulties finding coverage with regular insurers. The company also offers SR-22 forms for those who are required to have them by their state. If you fit in this category or have earned past infractions, such as a DUI-DWI, and are in the company's 10-state service area, you may want to consider AssuranceAmerica.
AssuranceAmerica sells its policies through a network of independent agents, which can help you get the best price and options since they can compare rates and offerings across more than one insurer. There's little information about available endorsements or potential discounts on the AssuranceAmerica website, but it does offer you the ability to obtain an online quote for your coverage. If you are looking for a full-service company with robust coverage options and a transparent website, AssuranceAmerica may not be the best option for you.
Pros and cons of AssuranceAmerica car insurance
Before you sign up for a policy with AssuranceAmerica or any provider for car insurance, it’s important to consider some of the potential pros and cons.
Pros
- Good for drivers who want to work with a local independent agent
- A portion of earnings are donated to local charities in the states where it is active.
- Mobile app available
Cons
- Hardly any information on its website
- Higher-than-average number of complaints in National Association of Insurance Commissioners’ (NAIC) Complaint Index
- Limited information available about discount and policy options
AssuranceAmerica customer satisfaction
A key metric of our AssuranceAmerica insurance review is looking at customer satisfaction ratings and complaints. If customer service is a priority for you, your best bet may be to speak to current AssuranceAmerica policyholders to learn about their experience since J.D. Power does not rate the carrier — likely due to its size.
AssuranceAmerica auto insurance customer complaints
There are other ways to gauge an insurance company’s National Association of Insurance Commissioners (NAIC) complaint index. The NAIC tracks formal complaints lodged against an insurance company and then compares it to the industry average to see whether it received more or less compared to competitors.
In the NAIC’s Complaint Index, AssuranceAmerica scored 1.23 for its auto insurance, indicating that it received more than the expected number of complaints for a company its size. This could indicate that customers were not as satisfied with their car insurance from AssuranceAmerica.
AssuranceAmerica car insurance cost
Average rates for AssuranceAmerica aren’t available. Nationally, the average premium as of September 2024 is $2,348 per year for full coverage and $639 for minimum coverage, though that can vary from state to state and depending on your personal rating factors. Understanding average rates in your area for similar driver profiles can help give you a baseline when you shop for car insurance quotes.
AssuranceAmerica car insurance discounts
AssuranceAmerica does not list any discounts on its website; if you want to know what opportunities it offers to save on car insurance, the best way is to contact the company.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare AssuranceAmerica with other insurers
When it comes to finding the best car insurance, exploring different carriers and requesting car insurance quotes will be integral to understanding which one meets your needs. If you’re not sure about AssuranceAmerica, Bankrate found a list of comparable insurance providers.
AssuranceAmerica vs. Geico
Geico offers some of the cheapest average rates in the country for drivers with blemishes on their driving records as well as those with clean driving records. It also has a long list of potential car insurance discounts that could help reduce your premium. It doesn’t offer a lot of endorsement opportunities, but if you’re on a budget and want the basics, Geico offers strong customer satisfaction scores from J.D. Power and a high rating for financial strength from AM Best.
Geico standout features:
- DriveEasy telematics program
- Strong digital tools
- Long list of potential discounts
Learn more: Geico Insurance review
AssuranceAmerica vs. Erie
If you want to bundle cheap home and auto insurance, Erie might be worth a look. It is considered a regional carrier, but it is offered in more states than AssuranceAmerica. It also offers RateLock, which can help keep your premiums stable over time unless you make changes to your policy.
Erie standout features:
- Erie Rate Lock to stabilize rates
- Pet insurance available
- Numerous discounts available
Learn more: Erie Insurance review
AssuranceAmerica vs. Travelers
Unlike AssuranceAmerica, Travelers has a long list of optional car insurance add-ons for drivers who want to personalize their policies. Based on Bankrate’s study of average premiums, Travelers may also be relatively affordable for both home and auto insurance compared to the national average.
Travelers standout features:
- Local agencies available
- Numerous potential discounts
- Robust coverage options
Learn more: Travelers Insurance review
At Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
78
years of industry experience
10
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is AssuranceAmerica a good insurance company?
AssuranceAmerica was founded in 1998 and now operates with a vast network of independent agents across 10 states. Although its insurance offerings are limited both in options and location, it works with drivers who may otherwise have a hard time securing insurance.
AssuranceAmerica focuses on drivers who are considered high-risk or who simply want to obtain the minimum amount of car insurance to drive legally. The carrier also places a strong emphasis on the customer and agent relationship. As a result, this insurer offers limited capabilities in its mobile app and online, but does keep extended hours for customer support. It does not, however, offer 24/7 customer service hours. If working with a local agent and maintaining the minimum amount of coverage are what you are looking for with an insurance company, you may want to consider getting a quote from AssuranceAmerica.
What are real-life customers saying about AssuranceAmerica?
While third-party ratings can be great ways to get the general gist of an insurance company, it also helps to go directly to the source: real-life AssuranceAmerica customers. To find them, Bankrate’s insurance experts looked to Reddit, an online discussion forum.
A couple of AssuranceAmerica policyholders voiced complaints about the company’s claims-handling process. Multiple users claimed that the process was slow and that payouts for damage were less than expected.
AssuranceAmerica company details
- Customer service: 1-800-450-7857, from Monday through Friday, 8 a.m. to 7 p.m., ET and Saturday, 9 a.m. to 5:30 p.m., ET
- Customer service email: customer_service@aainsco.com
- Claims: 1-888-580-8134, from Monday through Friday 8 a.m. to 5 p.m., ET, although claims can be reported 24/7
- Claims email: claims@aaiclaims.com
- Website: www.assuranceamerica.com
State availability
AssuranceAmerica writes car insurance policies in 10 states: AL, AZ, FL, GA, IN, MO, NE, SC, TX and VA.
AssuranceAmerica tools and benefits
AssuranceAmerica also sells renters insurance but does not offer other types of insurance. The company's website does not list any other tools or benefits.
Frequently asked questions about AssuranceAmerica
