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AssuranceAmerica Insurance review 2022

Updated Nov 15, 2022
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High-risk drivers located in one of the ten states that AssuranceAmerica operates might want to add the carrier onto their list when it’s time to shop around for car insurance. 


  • Ideal for drivers who want to work with a local agent
  • A portion of earnings are donated to local charities in Georgia and Florida


  • Only available in 10 states
  • Limited information available about discount and policy options
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AssuranceAmerica was founded in 1998 and now operates with over 4,000 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 lowest amount of insurance to drive legally.

AssuranceAmerica places a strong emphasis on the customer and agent relationship. As a result, the insurance carrier 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, then check out this AssuranceAmerica Insurance review to learn more.

AssuranceAmerica car insurance

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 accidents on their record. AssuranceAmerica doesn’t list what specific coverage and add-on options are available, so reaching out to a local agent is the best way to see how you could personalize your policy.

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Insurance Disclosure, LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. 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.

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AssuranceAmerica car insurance cost

While average rates for AssuranceAmerica aren’t available, the average cost of car insurance is $1,771 per year for full coverage insurance and $545 for minimum coverage. Depending on your driving history and selected coverage, and even which car insurance carrier you choose, your cost for car insurance could vary

AssuranceAmerica car insurance discounts

The discounts available for AssuranceAmerica auto insurance policies are not currently listed on the website. However, an independent agent should be able to advise on the ones you may qualify for to lower your car insurance premiums.

AssuranceAmerica car services

AssuranceAmerica doesn’t list any additional services that policyholders can take advantage of.

AssuranceAmerica corporate sustainability

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.

Not sure if AssuranceAmerica is right for you? Consider these alternatives

When it comes to finding the best car insurance, exploring different carriers and requesting quotes will be integral to understanding which one meets your needs. If you’re not sure about AssuranceAmerica, here are some alternatives:

  • Geico: Geico offers some of the cheapest average rates in the country for drivers with blemishes on their driving records and those with clean driving records.
  • Erie: If you’re looking for cheap home and auto insurance, Erie might be worth a look.
  • Travelers: Travelers has a long list of optional car insurance add-ons for drivers that want to personalize their policies.

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