AssuranceAmerica Auto Insurance Review
I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them.
Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.
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Written by
Chris Huntley
Founder of Huntley Wealth & Insurance Services
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…
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Reviewed by
Rachael Brennan
Licensed Insurance Agent
UPDATED: Apr 1, 2022
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Here’s the Scoop
AssuranceAmerica specializes in minimum-limits property and casualty auto insurance
Rates for AssuranceAmerica car insurance cost $108 per month or $1,300 annually on average
AssuranceAmerica operates in 10 states and has a network of over 4,000 independent agents
AssuranceAmerica sells minimum-limit auto insurance policies in 10 states and covers higher-risk drivers who may struggle to secure traditional coverage.
In this AssuranceAmerica auto insurance review, learn how to request a quote, read about the claims process, and compare customer ratings and financial evaluations to determine if the AssuranceAmerica insurance company is a good fit for you.
What is AssuranceAmerica?
AssuranceAmerica sells minimum-limit property and casualty car insurance policies in 10 states. In this instance, property and casualty insurance refers explicitly to those states’ minimum legal car insurance requirements.
To buy an AssuranceAmerica insurance policy, you must live in Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, or Virginia.
AssuranceAmerica covers high-risk drivers who otherwise struggle to secure coverage from traditional insurers.
However, if your driving record is very poor, your quoted rate may be higher than average.
AssuranceAmerica sells very basic types of car insurance, including bodily injury and property damage liability coverage. In the states where it’s legally required, the company also offers personal injury protection (PIP) insurance, medical payments (MedPay) coverage, and uninsured or underinsured motorist protection.
But to help keep rates low, the company does not offer many optional policy add-ons. So, if you’re interested in rental car reimbursement or roadside assistance packages, you might consider looking into other companies.
AssuranceAmerica also does not provide a mobile app or online user portal for customers. Instead, you must contact your local agent for most facets of managing your car insurance policy.
However, you can pay your AssuranceAmerica car insurance bill on the company website, but a $5.50 convenience fee may apply. Otherwise, to pay your bill, call the company directly, contact or visit your local agent, or mail the payment to:
AssuranceAmerica
PO Box 933792
Atlanta, GA 31193-3792
To contact AssuranceAmerica customer service over the phone, call 1-800-450-7857. You can also email [email protected]
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How do you get AssuranceAmerica auto insurance quotes?
There are three ways to request a car insurance quote from AssuranceAmerica. You may use the quote tool on the company website, call AssuranceAmerica directly, or speak with a local agent near you.
The AssuranceAmerica quote tool is located in the footer of the company website.
Click on ‘Get a Free Quote’ from the menu, and you’ll be redirected to a brief form asking for your ZIP code, age, and car make and model. Fill it out truthfully for a more accurate quote. The rate is subject to change after finalizing your application.
If you’d rather connect with a person right away, you can enter your ZIP code into the agent locator tool provided on the company website.
Finally, for those interested in calling AssuranceAmerica to request a quote, dial 1-833-808-7878.
How much does AssuranceAmerica auto insurance cost on average?
Because AssuranceAmerica is a smaller company, its rates are not publicly available. However, sources suggest the basic coverage policies from this company cost $108 per month or $1,300 per year on average. To determine if your rate is competitive, compare it to quotes from other top car insurance companies.
You might also consider comparing your quote to the average cost of coverage in the state where you live.
The table below shows the average annual auto insurance expenditures in the 10 states where AssuranceAmerica operates, with data from the Insurance Information Institute (III).
Average Annual Auto Insurance Expenditures by State
StatesAverage Annual Auto Insurance Expenditures
Alabama$932.14
Arizona$1,063.93
Florida$1,414.17
Georgia$1,259.49
Indiana$777.05
Missouri$929.91
Nebraska$807.30
South Carolina$1,114.90
Texas$1,143.85
Virginia$861.18
Countrywide average$1,070.47
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Like most other car insurance companies, AssuranceAmerica bases your rates on factors like your age, ZIP code, driving record, and vehicle make and model.
However, because this is a nonstandard insurance company that primarily underwrites policies for higher-risk drivers, quotes might be higher than average. High-risk car insurance may cost as much as 84% more than standard auto insurance coverage.
How do you file auto insurance claims?
The only way to submit a car insurance claim with AssuranceAmerica is over the phone. You must call the toll-free claims department phone number at 1-888-580-8134.
You can technically call to submit a claim at any time, but the office is officially open Monday through Friday from 8 a.m. to 5 p.m. EST. For this reason, some customers negatively review the claims department.
People say the AssuranceAmerica claims adjusters can be difficult to contact, and turnaround times are often slow.
If you need to submit any paperwork with your claim, an AssuranceAmerica mailing address, email, and fax number are available.
But the company does not provide any information about tracking your claim once it’s submitted or how long the process might take. Consider reaching out to your local agent for more personalized assistance if necessary.
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Does AssuranceAmerica have any auto insurance discounts?
AssuranceAmerica does not provide information about auto insurance discounts on the company website.
However, the online quote form asks if you’re a homeowner or are affiliated with the military or any warehouse clubs. This implies a homeowner discount, military discount, and group or membership discount may be available in some locations.
It’s worth asking the local AssuranceAmerica agent you connect with about the rate reductions available to you.
Just be aware that nonstandard insurance companies like AssuranceAmerica usually do not offer as many saving opportunities as traditional insurance companies like GEICO or Progressive.
What are the AssuranceAmerica ratings and reviews?
To help you determine if AssuranceAmerica is financially reliable and interacts well with its drivers before you commit to a policy, let’s analyze the company’s financial evaluations and look at reviews from real customers.
AssuranceAmerica has not been ranked by any leading credit rating agencies like A.M. Best.
Unfortunately, this means we cannot speak about the financial stability of this company, but in terms of customer satisfaction, AssuranceAmerica currently has a decent complaint index ratio of 1.28 according to the National Association of Insurance Commissioners (NAIC).
The median is always set to reach 1.00, implying that AssuranceAmerica received around the same number of consumer complaints as the median.
AssuranceAmerica is not accredited by the Better Business Bureau (BBB), but it has an A+ rating. This means the BBB believes the company interacts positively with its drivers. However, out of an average of 15 customer reviews, the company only has a one-star rating out of a possible five.
Most negative reviews involve the claims department. Many drivers state that the adjusters are difficult to contact, do not return phone calls, or do not answer questions directly.
Ultimately, cheap car insurance is not the only thing to look for from your auto insurance company. You also want to trust that the company is easy to work with, especially during a stressful time, like after a car accident. So keep these AssuranceAmerica customer experiences in mind while shopping around for your best coverage.
What is the history of AssuranceAmerica?
The history of AssuranceAmerica is somewhat sparse. Headquartered in Atlanta, Georgia, AssuranceAmerica started selling auto insurance in 1998. The company also has offices in Alabama, Florida, and Texas.
The current president of AssuranceAmerica is Joseph J. Skruck.
AssuranceAmerica focuses on selling insurance to customers at an affordable price. To keep rates low, the company offers very basic policies built to meet the minimum legal insurance levels in the 10 states where it operates. It has a team of over 4,000 agents throughout those states, including bilingual agents for customer convenience.
While AssuranceAmerica currently sells car insurance policies in Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia, it’s also licensed in 13 additional states.
However, according to the company website, quotes are currently not available in those regions.
The additional states where AssuranceAmerica is licensed but does not sell policies are Arkansas, Illinois, Kansas, Louisiana, Mississippi, Nevada, New Mexico, Ohio, Oklahoma, Pennsylvania, Tennessee, West Virginia, and Wisconsin. The company may offer coverage in these locations in the future.
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AssuranceAmerica: The Bottom Line
AssuranceAmerica may offer some drivers competitively priced, very basic auto insurance policies. If you’ve struggled to secure coverage from other companies, this nonstandard insurer may be a decent option.
However, keep in mind the issues some customers experienced with the claims department.
Overall, AssuranceAmerica does not provide a lot of the benefits other insurance companies offer to drivers, like a user portal on the website, a mobile app, optional policy coverage add-ons, and a place to manage or track claims.
You must also speak with an AssuranceAmerica customer service representative or your local agent for all of your policy needs. Some tech-savvy drivers may find this inconvenient, especially if you’d prefer to manage your policy online.
Most drivers will have an easier time securing cheaper rates with more coverage options and better customer benefits from some of the other best car insurance companies.
