Auto Insurance America Auto Insurance Review & Ratings (2024)
This Auto Insurance America Auto Insurance Review will cover Auto Insurance America Auto Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Auto Insurance America Auto Insurance A.M. Best rating is NA. To compare insurance rates from the best companies in your area, enter your ZIP code below.
Read moreEric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Jun 17, 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: Jun 17, 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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Auto Insurance America
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A+Complaint Level:
LowPros
- Local, smaller company offering potentially personalized service.
- Promises competitive rates starting as low as $29 a month.
- Offers a decent selection of alternative insurance options.
- Flexible payment options, including online, mail, or in-person payments.
- Mobile app available for basic policy management tasks.
Cons
- No online quoting system; customers need to contact a representative for a quote.
- Limited information and reviews available online due to the company’s small size.
- Limited options for add-ons.
- Vague information about available discounts.
- Lack of clarity on the full range of coverage options.
Payment Options for Auto Insurance America
Auto Insurance America offers a range of payment options to make paying for your policy easy. There are standard payment methods for your insurance, including paying online, by mail, or in person. You can also pay with most major credit cards and PayPal. Auto Insurance America also allows customers a great deal of flexibility for their payments, including choosing their own due dates and temporarily paying less when money is tight.Does Auto Insurance America have an app?
Although Auto Insurance America has few options for managing your policy online, it does have a mobile app. You can use the mobile app to do the following:- Make payments
- Obtain proof of insurance
- Look at policy details
- Report claims
- Contact Auto Insurance America
Although Auto Insurance America is a small company exclusively servicing New Mexico and Nevada, it might be the right choice for you. Auto Insurance America promises low prices, but you’ll need to speak with a representative to get a quote.
Auto Insurance America says drivers can pay as little as $29 a month for insurance, but you should always compare your options before signing up. Comparing quotes with as many companies as possible is the only way to ensure you get the best policy.
What You Should Know About Auto Insurance America
Auto Insurance America is a small insurance company that serves Nevada and New Mexico. There’s very little information online about Auto Insurance America, but the company promises some of the cheapest insurance rates in the two states it serves.
It might not compete with some of the best car insurance companies in the country, but Auto Insurance America might have the lowest rates for you. However, you’ll need to speak with a representative to get a quote because Auto Insurance America does not offer online quotes.
Read on to explore Auto Insurance America car insurance reviews and ratings. Then, compare rates with as many companies as possible to find the best rates for your needs.
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Auto Insurance America Insurance Coverage Options
Most insurance companies sell enough coverage to meet both minimum and full coverage needs, and Auto Insurance America is no different.
Minimum insurance refers to the least amount of coverage you can buy and still be able to drive on a public road or register your car. Both states Auto Insurance America operates in require insurance, but the amount you’ll need depends on where you live.
If you live in Nevada, you’ll need a 25/50/20 plan, which refers to the required amount of liability insurance. Find Nevada insurance agents and brokers.
In New Mexico, the required coverage amounts are 25/50/10. Find New Mexico insurance agents and brokers.
While it’s never required by law, many drivers need full coverage car insurance, especially if they have a car loan or lease. Full coverage refers to a suite of insurance types, all of which Auto Insurance America sells.
The basic types of insurance Auto Insurance America sells include:
- Property damage liability. As the first part of liability insurance, property damage coverage pays for damage you cause to other people’s property, including vehicles and buildings. It does not cover repairs for your car.
- Bodily injury liability. If you injure someone in a car accident, this coverage pays for their medical bills. Bodily injury liability insurance covers other drivers, their passengers, and bystanders.
- Collision. Collision car insurance pays for your car repairs after an accident, no matter who was at fault. It also covers you if you run into a stationary object, like a street sign.
- Comprehensive. For all of life’s unexpected events, there’s comprehensive insurance. Comprehensive insurance covers flooding, extreme weather, fire, theft, animal contact, and vandalism. Learn more about collision vs. comprehensive car insurance.
- Medical payments. Medical payments coverage — sometimes called MedPay — covers your medical expenses after you or your passengers are injured in a car accident.
- Uninsured/underinsured motorist. Although New Mexico and Nevada require car insurance, not everyone has it. Uninsured motorist protects you from drivers without insurance, as well as hit-and-runs.
These coverages provide everything you need for minimum and full coverage. You technically only need liability insurance to drive in New Mexico and Nevada, but having more coverage might not be a bad idea.
Does Auto Insurance America sell add-ons?
Most insurance companies sell add-ons to increase the coverage in your policy. Auto Insurance America doesn’t have the longest list of add-ons, but it does relatively well for a small company. If you’re interested in buying additional coverage, Auto Insurance America offers the following options:
- Towing and labor. Auto Insurance America will cover the cost of moving your vehicle to a repair shop after a covered incident. Your policy will have a cap for towing costs, so make sure to ask a representative before you request a tow.
- Rental car reimbursement. If your car is stuck in the mechanic shop after a covered incident, Auto Insurance America will cover a rental car. The number of days Auto Insurance America covers depends on your policy.
It’s not the most all-inclusive list of car insurance add-ons, but most small companies struggle with add-on availability. Make sure that these add-ons will benefit you before you sign up since adding coverage to your policy can significantly impact your rates.
Auto Insurance America Insurance Rates Breakdown
Unfortunately, Auto Insurance America does not offer an online option to look at quotes. The only way to see how much Auto Insurance America might cost you is to speak with a representative. They’ll ask for some basic information, including your age, what type of car you drive, and your ZIP code. The representative will be able to estimate your quote.
Auto Insurance America promises cheap rates on its website, so it might offer some of the most affordable coverage. To get an idea of how much you might pay for Auto Insurance America coverage, consider the average rates for New Mexico and Nevada below.
Car Insurance Monthly Rates by Coverage Level & State
States Minimum Coverage Full Coverage
Alabama $39 $83
Alaska $47 $91
Arizona $50 $92
Arkansas $37 $85
California $47 $93
Colorado $52 $98
Connecticut $62 $106
Delaware $71 $110
Florida $79 $118
Georgia $60 $106
Hawaii $39 $76
Idaho $33 $65
Illinois $41 $80
Indiana $35 $69
Iowa $28 $65
Kansas $33 $78
Kentucky $48 $86
Louisiana $77 $135
Maine $31 $63
Maryland $58 $104
Massachusetts $53 $100
Michigan $74 $126
Minnesota $40 $78
Mississippi $42 $91
Missouri $40 $82
Montana $35 $80
Nebraska $34 $76
Nevada $68 $106
New Hampshire $35 $72
New Jersey $77 $121
New Mexico $46 $87
New York $73 $124
North Carolina $31 $69
North Dakota $25 $68
Ohio $36 $71
Oklahoma $41 $90
Oregon $55 $85
Pennsylvania $44 $88
Rhode Island $71 $121
South Carolina $53 $94
South Dakota $27 $72
Tennessee $38 $79
Texas $51 $106
Utah $47 $81
Vermont $31 $69
Virginia $39 $76
Washington D. C. $55 $89
West Virginia $43 $89
Wisconsin $34 $67
Wyoming $29 $78
U.S. Average $50 $94
As you can see, Nevadans pay a bit more for insurance than the average New Mexico driver. Auto Insurance America claims drivers in both states can find coverage starting at $23 a month. The actual price you’ll pay depends on your unique circumstances, but the potential for low rates means it’s definitely worth getting a quote.
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Auto Insurance America Discounts Available
Auto Insurance America promises discounts for some drivers, but it’s vague about what discounts are actually available. However, there are common discounts most insurance companies offer, which Auto Insurance America might have. Some of these include:
- Low mileage. The average American drives 10,000 miles in a year. If you drive fewer miles, you might get a low-mileage discount. Learn how mileage-based auto insurance works.
- Bundling. Most insurance companies sell more than one type of insurance, and they offer a discount if you buy multiple policies.
- Multi-vehicle. You might earn a discount if you insure multiple cars on the same policy. The owners of each vehicle should also be on the same policy.
- Good student. Full-time students under 25 who maintain a 3.0 GPA can earn a good student discount.
- Good driver. If you remain free of claims, accidents, and tickets for a certain period of time, you’ll likely get a good driver discount. The amount of time you need to be claims-free depends on the company.
- Defensive driver. Older drivers over 50 can take an approved defensive driving course to sharpen their accident avoidance skills. If you successfully pass the course, you might earn a discount.
- Anti-theft devices. If you have comprehensive insurance, you can often earn a discount by having anti-theft devices in your car. Common anti-theft devices include audible alarms and GPS tracking.
Again, Auto Insurance America isn’t clear about how many discounts it offers. Since you need to call a representative to get a quote, you can also ask about what discounts Auto Insurance America offers.
Claims Process for Auto Insurance America Auto Insurance: Streamlined and Efficient Claims Handling
Ease of Filing a Claim
Auto Insurance America provides multiple avenues for filing a claim, offering the convenience of online claims submission, over-the-phone claim reporting, and easy access through mobile apps. This approach accommodates diverse customer preferences, allowing a seamless and hassle-free process for initiating claims.
Average Claim Processing Time
The average claim processing time with Auto Insurance America is not specified in the available information. To assess this aspect accurately, it is recommended to reach out to the company directly for up-to-date information on claim processing timelines.
Customer Feedback on Claim Resolutions and Payouts
The customer feedback regarding claim resolutions and payouts with Auto Insurance America is not available in the provided content. Evaluating customer reviews and testimonials can provide valuable insights into the company’s performance in terms of handling claims and ensuring satisfactory resolutions.
Digital and Technological Features of Auto Insurance America Auto Insurance: Enhancing Your Coverage Experience
Mobile App Features and Functionality
Auto Insurance America offers a mobile app that likely includes features such as policy management, claims reporting, bill payment, access to insurance documents, and possibly additional functionalities for enhanced user experience. A detailed exploration of the app’s features can provide a comprehensive understanding of its capabilities.
Online Account Management Capabilities
Auto Insurance America provides online account management capabilities, enabling policyholders to access and manage their insurance accounts conveniently through a secure online platform. This likely includes features like viewing policy details, updating information, making payments, and more.
Digital Tools and Resources
Auto Insurance America offers various digital tools and resources to assist policyholders in understanding their insurance coverage, calculating premiums, accessing educational content, and staying informed about industry updates. These tools enhance the overall digital experience and empower customers to make informed decisions.
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How Auto Insurance America Ranks Among Providers
Given that Auto Insurance America operates in Nevada and New Mexico, its main competitors in the local insurance market would likely include both regional and national insurance providers. Here are some potential competitors:
- Geico: As one of the largest auto insurance providers in the United States, GEICO is likely a significant competitor. Known for competitive rates and a strong online presence, GEICO offers a wide range of coverage options.
- State Farm: State Farm is a major player in the insurance industry and is known for its extensive network of agents. It provides a variety of insurance products, including auto insurance, with a focus on personalized service.
- Allstate: Allstate is a national insurer with a significant presence in many states. It offers a variety of coverage options and is known for features like the “Accident Forgiveness” program.
- Progressive: Progressive is known for its innovative approach to auto insurance and its comparison tool that allows customers to see quotes from multiple insurers. It might be a competitor for those looking for a straightforward online experience.
- Farmers Insurance: Farmers is another prominent insurer with a range of coverage options. It often emphasizes its local agents, providing a mix of personal service and online tools.
- USAA: If Auto Insurance America serves a military population, USAA could be a significant competitor. USAA is known for providing insurance services to military members and their families.
- Local and Regional Insurers:There may be smaller, regional insurers with a strong local presence in Nevada and New Mexico that compete based on their knowledge of the local market and potentially more personalized service.
It’s important to note that the competitiveness of these companies can vary based on factors such as coverage needs, driving history, and location. Customers are advised to compare quotes from multiple providers to find the best combination of coverage and rates for their individual circumstances.
Additionally, customer reviews and satisfaction ratings can provide insights into the overall experience with each insurer.
Frequently Asked Questions
What states does Auto Insurance America sell car insurance in?
Auto Insurance America is currently in two states — New Mexico and Nevada. As of yet, the company has not announced plans to expand into other states.
How much does Auto Insurance America cost?
Unfortunately, you can’t get an online quote from Auto Insurance America, so there’s no way of knowing exactly how much you’ll pay without speaking with a representative. However, Auto Insurance America promises rates as low as $29 a month on its website.
Is Auto Insurance America a good company?
It’s hard to tell how good Auto Insurance America is because there’s so little information about it online. However, Auto Insurance America does promise low rates for Nevada and New Mexico drivers.
What is Auto Insurance America?
Auto Insurance America is a Nevada-based insurance company that provides auto insurance policies to drivers in Nevada, Arizona, and New Mexico. The company was founded in 1972 and has since expanded to over 20 locations in these three states.
How is Auto Insurance America rated?
The financial strength and stability of Auto Insurance America is rated by independent rating agencies. As of (#current_year), Auto Insurance America has not been rated by A.M. Best, a leading rating agency for the insurance industry.
What types of auto insurance does Auto Insurance America offer?
Auto Insurance America offers a range of auto insurance products to meet the needs of drivers in Nevada, Arizona, and New Mexico. These products include liability insurance, collision insurance, comprehensive insurance, and uninsured/underinsured motorist coverage.
How can I get a quote for Auto Insurance America?
To get a quote for Auto Insurance America, you can contact the company directly by phone or email. You can also use their website to request a quote online.
What are the benefits of choosing Auto Insurance America?
Auto Insurance America offers affordable auto insurance policies to drivers in Nevada, Arizona, and New Mexico. Their policies can provide financial protection in the event of an accident or other covered incident. Additionally, Auto Insurance America has a strong commitment to customer service and claims handling.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
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.