How do I file a claim with AssuranceAmerica?

To file a claim with AssuranceAmerica, you can contact your local agent or call the general customer care number at 1-888-580-8134. While claims can be filed anytime, the claims office is open Monday through Friday, from 8 a.m. to 5 p.m., ET.

Is AssuranceAmerica a sustainable company?

AssuranceAmerica does have some corporate sustainability initiatives. For example, A portion of AssuranceAmerica’s earnings are contributed to local organizations focused on ending homelessness and improving education. Some of these groups include City of Refuge, The Extension and LAAmistad in Atlanta, Georgia and New Beginnings in Tampa, Florida.

Does AssuranceAmerica offer full coverage insurance?

AssuranceAmerica is focused on helping drivers who want to purchase the state minimum level of insurance. However, interested customers can add collision and comprehensive coverage to give themselves full coverage through AssuranceAmerica.

Why doesn’t AssuranceAmerica have a Bankrate Score?

Bankrate makes a concerted effort to provide a Bankrate Score for each company we review. However, AssuranceAmerica is a more regional insurer and works through a network of independent agents, meaning coverage, rate and third-party data are limited. Experience with the provider will likely vary on a state-by-state basis.

AssuranceAmerica insurance review 2024

Written by

Natalie Todoroff

Edited by

Mariah Posey

Edited by

Mariah Posey

Updated Mar 11, 2024

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. 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 .

At a glance

Bankrate's take

AssuranceAmerica offers policies in ten states to high-risk drivers, but a high number of customer complaints and few policy customization options may deter some drivers.

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
Only writes auto policies (no bundling available)
High complaint volume

AssuranceAmerica car insurance review

AssuranceAmerica car insurance aims to offer coverage at affordable prices. It also focuses on providing products to those who require an SR-22 form or are considered high-risk, which might include drivers with previous DUI/DWI convictions or drivers with multiple at-fault accidents or tickets on their record. If you fit AssuranceAmerica’s target driver profile and live in one of the 10 states where the company offers coverage, you may want to consider getting a quote.

However, AssuranceAmerica only sells insurance through a network of independent agents and offers no details about its coverage options or potential discounts online — but online quotes are available. If you prefer to do business with a digital-focused company that allows you to thoroughly research its products online before buying, AssuranceAmerica may not be the right fit.

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 Georgia and Florida
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 1.22 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 January 2024 is $2,542 per year for full coverage and $740 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.

Get personalized auto insurance quotes

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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 that 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

Why you can trust Bankrate

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth AssuranceAmerica insurance review.

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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. 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 it, 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-going and that payouts for damages 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 does not offer any other type of insurance other than car insurance.

Frequently asked questions about AssuranceAmerica

To file a claim with AssuranceAmerica, you can contact your local agent or call the general customer care number at 1-888-580-8134. While claims can be filed anytime, the claims office is open Monday through Friday, from 8 a.m. to 5 p.m., ET.
AssuranceAmerica does have some corporate sustainability initiatives. For example, A portion of AssuranceAmerica’s earnings are contributed to local organizations focused on ending homelessness and improving education. Some of these groups include City of Refuge, The Extension and LAAmistad in Atlanta, Georgia and New Beginnings in Tampa, Florida.
AssuranceAmerica is focused on helping drivers who want to purchase the state minimum level of insurance. However, interested customers can add collision and comprehensive coverage to give themselves full coverage through AssuranceAmerica.
Bankrate makes a concerted effort to provide a Bankrate Score for each company we review. However, AssuranceAmerica is a more regional insurer and works through a network of independent agents, meaning coverage, rate and third-party data are limited. Experience with the provider will likely vary on a state-by-state basis.