AssuranceAmerica Car Insurance Review & Ratings (2024)
Affordable and reliable car insurance solutions tailored to your needs with AssuranceAmerica Car Insurance. Protect your vehicle and your peace of mind with comprehensive coverage options and competitive rates. Discover the benefits of choosing AssuranceAmerica for your car insurance needs, including flexible payment options, excellent customer service, and hassle-free claims process.
Read moreBrad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Oct 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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AssuranceAmerica Car Insurance
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A- (Excellent)Complaint Level:
LowPros
- Transparent coverage details
- Competitive rates
- Diverse range of policies
- Excellent customer service
- Quick and easy online quote process
Cons
- Limited availability in certain regions
- Discounts may vary based on individual circumstances
- Additional features may come at an extra cost
- Online-focused, limited in-person support
- May not offer as many discounts as larger competitors
Assurance America may provide the basic car insurance coverages that most people need. In addition, it may also offer insurance to high-risk drivers who could have trouble finding insurance with other companies. However, if the company insures too many high-risk drivers, this could cause higher rates for its customers.
Regardless of its coverages and rates, Assurance America seems to have poor customer service and claims processes. If you’re looking for a company that is dedicated to ensuring customer communication and fairly determining claims payouts, you’re more likely to find it elsewhere.
On top of that, Assurance America is only licensed in 23 states and actively sells in 10. Currently, Assurance America sells car insurance in Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia. It may expand to Arkansas, Illinois, Kansas, Louisiana, Mississippi, Nevada, New Mexico, Ohio, Oklahoma, Pennsylvania, Tennessee, West Virginia, or Wisconsin in the future.
If you’re unable to find affordable Assurance America car insurance, enter your ZIP code into our free quote comparison tool below to find companies in your area.
What You Should Know About AssuranceAmerica Car Insurance
Are you searching for reliable and affordable car insurance that offers exceptional coverage and peace of mind? Look no further than AssuranceAmerica Car Insurance. As a trusted provider in the industry, AssuranceAmerica understands the importance of protecting your vehicle and your financial well-being.
Take the next step towards finding the best car insurance for your needs by entering your zip code and comparing rates from top insurance providers in your area. Don’t miss out on the opportunity to secure reliable coverage and peace of mind. Choose AssuranceAmerica Car Insurance and drive with confidence.
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AssuranceAmerica Car Insurance Coverage Options
Assurance America offers basic types of car insurance. You can choose between a few different levels of coverage.
The first level of coverage only includes the minimum amount of liability required in each state, as shown below:
| State | Insurance Required | Minimum Liability Limits |
|---|---|---|
| AL | BI & PD Liab | 25/50/25 |
| AK | BI & PD Liab | 50/100/25 |
| AZ | BI & PD Liab | 15/30/10 |
| AR | BI & PD Liab, PIP | 25/50/25 |
| CA | BI & PD Liab | 15/30/5 |
| CO | BI & PD Liab | 25/50/15 |
| CT | BI & PD Liab, UM, UIM | 25/50/20 |
| DE | BI & PD Liab, PIP | 25/50/10 |
| DC | BI & PD Liab, UM | 25/50/10 |
| FL | PD Liab, PIP | 10/20/10 |
| GA | BI & PD Liab | 25/50/25 |
| HI | BI & PD Liab, PIP | 20/40/10 |
| ID | BI & PD Liab | 25/50/15 |
| IL | BI & PD Liab, UM, UIM | 25/50/20 |
| IN | BI & PD Liab | 25/50/25 |
| IA | BI & PD Liab | 20/40/15 |
| KS | BI & PD Liab, PIP | 25/50/25 |
| KY | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| LA | BI & PD Liab | 15/30/25 |
| ME | BI & PD Liab, UM, UIM, Medpay | 50/100/25 |
| MD | BI & PD Liab, PIP, UM, UIM | 30/60/15 |
| MA | BI & PD Liab, PIP | 20/40/5 |
| MI | BI & PD Liab, PIP | 20/40/10 |
| MN | BI & PD Liab, PIP, UM, UIM | 30/60/10 |
| MS | BI & PD Liab | 25/50/25 |
| MO | BI & PD Liab, UM | 25/50/25 |
| MT | BI & PD Liab | 25/50/20 |
| NE | BI & PD Liab, UM, UIM | 25/50/25 |
| NV | BI & PD Liab | 25/50/20 |
| NH | FR only | 25/50/25 |
| NJ | BI & PD Liab, PIP, UM, UIM | 15/30/5 |
| NM | BI & PD Liab | 25/50/10 |
| NY | BI & PD Liab, PIP, UM, UIM | 25/50/10 |
| NC | BI & PD Liab, UM, UIM | 30/60/25 |
| ND | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| OH | BI & PD Liab | 25/50/25 |
| OK | BI & PD Liab | 25/50/25 |
| OR | BI & PD Liab, PIP, UM, UIM | 25/50/20 |
| PA | BI & PD Liab, PIP | 15/30/5 |
| RI | BI & PD Liab | 25/50/25 |
| SC | BI & PD Liab, UM, UIM | 25/50/25 |
| SD | BI & PD Liab, UM, UIM | 25/50/25 |
| TN | BI & PD Liab | 25/50/15 |
| TX | BI & PD Liab, PIP | 30/60/25 |
| UT | BI & PD Liab, PIP | 25/65/15 |
| VT | BI & PD Liab, UM, UIM | 25/50/10 |
| VA | BI & PD Liab, UM, UIM | 25/50/20 |
| WA | BI & PD Liab | 25/50/10 |
| WV | BI & PD Liab, UM, UIM | 25/50/25 |
| WI | BI & PD Liab, UM, Medpay | 25/50/10 |
| WY | BI & PD Liab | 25/50/20 |
The next level of coverage includes the minimum amount of liability required by your state in addition to collision and comprehensive coverage.
Finally, the highest level of coverage includes the minimum amount of liability required by your state, collision and comprehensive coverage, uninsured/underinsured motorist (UM/UIM) coverage, and medical payments (MedPay) coverage.
You may be able to customize your policy a little bit by adding personal injury protection (PIP), towing coverage, or an accidental death endorsement. However, Assurance America car insurance plans only come with the minimum amount of liability that is required in your state with no way to increase your limits.
AssuranceAmerica Car Insurance Rates Breakdown
Unfortunately, we weren’t able to find any information about Assurance America car insurance rates. However, we can show you some average rates to give you an idea of what you might pay. Below are the average car insurance rates in the states where Assurance America is licensed:
Average Annual Car Insurance Rates in States Where Assurance America Operates
| State | Average Annual Car Insurance Rates |
|---|---|
| Alabama | $817.95 |
| Arizona | $932.10 |
| Arkansas | $869.37 |
| Florida | $1,206.46 |
| Georgia | $964.70 |
| Illinois | $833.44 |
| Indiana | $724.65 |
| Kansas | $819.14 |
| Louisiana | $1,326.78 |
| Mississippi | $935.08 |
| Missouri | $825.40 |
| Nebraska | $778.81 |
| Nevada | $1,057.63 |
| New Mexico | $896.58 |
| Ohio | $741.11 |
| Oklahoma | $941.34 |
| Pennsylvania | $934.34 |
| South Carolina | $910.51 |
| Tennessee | $823.74 |
| Texas | $1,025.64 |
| Virginia | $807.71 |
| West Virginia | $1,015.57 |
| Wisconsin | $696.11 |
| Countrywide | $954.99 |
Assurance America offers a few discounts to help you save on your car insurance. Their discounts include prior insurance discounts, homeowner discounts, military discounts, and warehouse club members.
AssuranceAmerica Car Insurance Discounts Available
AssuranceAmerica Car Insurance offers various discounts to help policyholders save on their insurance premiums. These discounts are designed to cater to different circumstances and factors that may contribute to reduced insurance costs. Here are some of the discounts available:
- Prior Insurance Discount: Reward for policyholders with a history of continuous insurance coverage.
- Homeowner Discount: Savings for policyholders who own a home.
- Military Discount: Special discount for active-duty military personnel and veterans.
- Warehouse Club Members Discount: Exclusive savings for members of select warehouse clubs.
These discounts can significantly impact your overall insurance costs, making AssuranceAmerica a competitive choice for those looking to save on car insurance premiums.
Assurance America’s website offers several ways for policyholders and potential customers to contact them. If you want a more personalized experience, you may want to consider contacting an agent directly. However, you can also call the Assurance America customer service phone number at (800) 450-7857 or (770) 952-0200.
The general customer fax number is (877) 952-0258. In addition, you can send emails to [email protected]. Finally, the general mailing address is PO Box 723128, Atlanta, GA 31139.
Unfortunately, it doesn’t seem as if there is an Assurance America customer login or Assurance America app to make managing your policy easier.
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AssuranceAmerica Effortless Claims Process
Ease of Filing a Claim (online, over the phone, mobile apps)
AssuranceAmerica offers multiple options for filing a claim, making it convenient for policyholders. You can file a claim online through their website, over the phone by calling (888) 580-8134 or (678) 996-0110, or even by emailing [email protected]. This flexibility ensures that policyholders can choose the method that suits them best.
Average Claim Processing Time
The average claim processing time with AssuranceAmerica may vary depending on the complexity of the claim and the supporting documentation provided. However, they do not specify a specific time frame on their website. It is advisable to contact their claims department for more information on claim processing times.
Customer Feedback on Claim Resolutions and Payouts
While AssuranceAmerica provides affordable car insurance, customer feedback on their claims process is mixed. Some policyholders have reported challenges in reaching company representatives and delays in claim resolutions.
Additionally, there have been complaints of disputes over claim payouts. It’s essential for potential customers to consider these factors when evaluating AssuranceAmerica’s claims handling.
Evaluating Digital and Technological Features: AssuranceAmerica Car Insurance
Mobile App Features and Functionality
AssuranceAmerica offers a mobile app that allows policyholders to manage their accounts, access policy documents, and make payments conveniently. The app may also provide features such as claims tracking and roadside assistance request, enhancing the overall customer experience.
Online Account Management Capabilities
Policyholders can access their accounts online through AssuranceAmerica’s website. This online portal enables customers to view and manage their policies, make payments, and update personal information. It provides a user-friendly platform for convenient account management.
Digital Tools and Resources
AssuranceAmerica aims to provide digital tools and resources to assist policyholders in understanding their coverage, making informed decisions, and staying informed about changes in their policies. These resources may include educational articles, FAQs, and coverage calculators to help customers navigate their insurance needs effectively.
How AssuranceAmerica Car Insurance Ranks Among Providers
Assurance America has an A+ BBB rating. Unfortunately, Assurance America is not rated by A.M. Best in relation to its financial strength.
Assurance America has a 3.56 NAIC complaint index, which indicates that the company has received 3.56 times the number of customer complaints that are expected for a company of its size.
Assurance America car insurance reviews that are posted online claim dishonest tactics to avoid paying claims. Many people who have been in an accident caused by a policyholder with Assurance America state that they have extreme difficulty contacting anyone from the company, and many of them have to go an extended period without transportation.
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Frequently Asked Questions
What is AssuranceAmerica Car Insurance?
AssuranceAmerica Car Insurance is an insurance company that specializes in providing affordable car insurance to high-risk drivers.
Who is AssuranceAmerica Car Insurance best suited for?
AssuranceAmerica Car Insurance is best suited for high-risk drivers who may have a history of accidents, traffic violations, or other issues that make it difficult to obtain affordable car insurance from other companies.
Does AssuranceAmerica Car Insurance offer coverage in all states?
No, AssuranceAmerica Car Insurance only offers coverage in select states, including Georgia, Louisiana, Texas, and Florida.
What types of coverage does AssuranceAmerica Car Insurance offer?
AssuranceAmerica Car Insurance offers a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, and uninsured motorist coverage.
How can I obtain a quote for car insurance coverage from AssuranceAmerica?
You can obtain a quote for car insurance coverage from AssuranceAmerica by visiting their website or contacting a licensed insurance agent.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.