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AssuranceAmerica insurance review 2023

Updated Mar 09, 2023
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Bottom Line

High-risk drivers located in one of the ten states that AssuranceAmerica operates in 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

  • Mobile app available

  • Only available in 10 states

  • Higher-than-average number of complaints in National Association of Insurance Commissioners’ Complaint Index

  • Limited information available about discount and policy options

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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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Auto Insurance
The average American pays $148/month for full coverage auto insurance
Rates can vary by over $2,600 per year between companies
Across the U.S., rates can vary as much as 242%
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AssuranceAmerica car insurance cost

Average rates for AssuranceAmerica aren’t available. Depending on your driving history and selected coverage, and even which car insurance carrier you choose, your car insurance rates could vary.

AssuranceAmerica car insurance discounts

The potential 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 tools and benefits

AssuranceAmerica doesn’t list any additional services that policyholders can access.

AssuranceAmerica customer satisfaction

Part of shopping for car insurance is understanding what the customer experience might be. If this is a priority for you, you can speak to current policyholders or look to third-party ratings from agencies like J.D. Power and the National Association of Insurance Commissioners (NAIC). J.D. Power surveys customer satisfaction of major insurance companies, and then ranks them on a scale of 1 to 1,000 points. The NAIC tracks complaints received by an insurance company and then compares it to the industry average to see whether it received more or less compared to competitors.

AssuranceAmerica auto satisfaction

AssuranceAmerica was not rated by J.D. Power in its 2022 Auto Insurance Study. In the NAIC’s Complaint Index, AssuranceAmerica scored 3.65, indicating that it receives more than three times as many complaints as expected in the market. This could indicate that customers were not as satisfied with their car insurance from AssuranceAmerica.

How to 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.

AssuranceAmerica availability

AssuranceAmerica currently operates in 10 states, which include:

  • Alabama
  • Arizona
  • Florida
  • Georgia
  • Indiana
  • Missouri
  • Nebraska
  • South Carolina
  • Texas
  • Virginia

Other AssuranceAmerica perks worth considering

AssuranceAmerica does not offer any other type of insurance other than car insurance.

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.

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, here are some alternatives:

AssuranceAmerica vs. 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. It also has a long list of potential car insurance discounts that could help reduce your premium.

Learn more: Geico Insurance review

AssuranceAmerica vs. Erie

If you’re looking for cheap home and auto insurance, Erie might be worth a look. It’s also considered a regional carrier, which could be a bonus if you’d like to work with a local agent.

Learn more: Erie Insurance review

AssuranceAmerica vs. Travelers

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.

Learn more: Travelers Insurance review

Is AssuranceAmerica a good insurance company?

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. Bankrate’s insurance experts, who have more than 40 years of industry experience, analyzed AssuranceAmerica to help you make the best decision for your needs.

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, then check out this AssuranceAmerica Insurance review to learn more.

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