4.8out of 3,000+ reviews

Ameriprise - Car Insurance

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Updated February 1, 2022


Composite Score
What is this?
J.D. Power Ratings by Region (out of 1000)
RegionRatingsState Average
California862Among the best
Ameriprise Ratings
BrandRatingsUser reviews
Mobile App (iOS)
Mobile App (Android)
J.D. Power Ratings by Region (out of 1000)
Company NameRatings
A.M. BestA
Standard & Poor'sA-


The largest discounts from Ameriprise are: Good Driver, Accident Forgiveness, Accident (Merit) Rating

Carrier Discounts
Discount %
Discount Group
Discount TypeDiscount %
Good DriverVaries
Accident ForgivenessVaries
Accident (Merit) RatingVaries
Accident FreeVaries
Defensive DriverVaries
Passive RestraintVaries
Anti-lock BrakeVaries
Anti-Theft DeviceVaries
Good StudentVaries
Student Away at SchoolVaries
New GraduateVaries
Multiple VehicleVaries
Multiple PolicyVaries
Daytime Running LightsVaries
Provider SwitchVaries
Seat Belt UseVaries

Payment methods

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    Automatic Online Payment
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    Bank Payment/Direct Deposit
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    Credit Card Payment
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    Debit Card Payments
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    Electronic Check
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    Mail Payment
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    Mobile App Payments
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    Multi-Payment Installment Plans
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    Online Payment
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Features and Services

Ameriprise Insurance is most noted for its partnership with the big-box superstore chain Costco. Costco members can also receive auto and home insurance and qualify for numerous discounts if they buy a policy with Ameriprise.

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    24/7 service
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    Mobile app
  • benefit/accident-forgiveness.svg
    Accident forgiveness
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    Roadside assistance
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    Flexible / convenient payments
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    Online account management
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    Enhanced towing & substitute coverage

Car Insurance Coverage

Not seeing the state you're looking for? See all states here.

Optional Coverage

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    Roadside Assistance
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    Rental Reimbursement
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    Gap Insurance
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    New Car Replacement Coverage
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    Accident Forgiveness
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    Glass Coverage
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    Electronic Key & Lock Replacement
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    Emergency Assistance Coverage
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    Umbrella Policy
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    Accidental Death, Dismemberment, Disability

SR‌-22 Insurance by State

FAQs - Ameriprise Car Insurance

How does Insurify work?

Insurify lets you freely compare accurate car insurance quotes and discounts from top national and regional insurance companies in a matter of minutes. You can choose between coverage levels and adjust deductibles to ensure you're not just getting the cheapest policy, but the most appropriate one, too. Users save an average of $489 a year when they buy a new insurance policy through Insurify.

How does Insurify find me the cheapest car insurance quotes?

Think of Insurify as your personalized, online insurance agent. Insurify's platform uses the latest in AI to match you with real, accurate, and bindable car insurance quotes based on your driver history and budget. Insurify is not an insurance company and will not share the information you share on the site with any third party.

How is Insurify different from other insurance quote comparison sites?

Insurify is the top-rated and most-rated insurance comparison website in America. Unlike comparison sites that just take your information and sell it to the highest bidder, Insurify is built on trust and empowerment. No matter your license record, budget, or regional background, Insurify is committed to securing the cheapest and best deals that work for you.

Company History

Headquartered in Minneapolis, Minnesota, Ameriprise Financial, Inc. was founded in 1894. Ameriprise is a multi-billion dollar publicly traded company on the New York Stock Exchange. Ameriprise currently employs over 13,000 people. 

Ameriprise Auto & Home Insurance is the insurance company subsidiary of Ameriprise. It specializes in auto, home and condo, renters, umbrella, and even specialty insurance. Ameriprise Auto & Home Insurance is the marketing name of IDS Property Casualty Insurance Company and Ameriprise Insurance Company (of De Pere, WI). Either company can underwrite an Ameriprise auto policy, depending on the state of the insured. 

Ameriprise has a financial strength grade of "A" from A.M. Best, an independent assessor of insurance companies' financial health and ability to pay out claims.

Ameriprise Reviews

5 Stars
40 %
4 Stars
18 %
3 Stars
15 %
2 Stars
3 %
1 Star
25 %

Most Positive Review

By Roger

Most Critical Review

By Greg
Had Ameriprise for many years with no claims. Scraped the right front fender pulling into the garage resulting in a claim and insurance rates went from $2,100 every 6 months to $3,300 every 6 months. Only claim ever.i could have just paid for the repairs several times over for that increase.

All Reviews

Showing 1 - 10 out of 40 Reviews
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Read reviews that mention

Ameriprise is relatively out of sync with changing market and customer dynamics. The rigid insurability clause for Comprehensive coverage of personal auto insurance, while working for a ride sharing company. The ride sharing company has its own comprehensive insurance, while the personal auto insurance is for own use. Ameriprise adjusters are not ready to meet the challenges of Digital age. Archaic processes and systems used by the adjusters are not customer friendly.
Very professional and did not waste my time
No real problem other than large rate increase. Its all about the money
Relatively painless experience in replacing my totaled car.
saisunee w
I left Ameriprise after being a customer for 19 year due to their terrible customer service and corporate greed. I had Ameriprise for my home, auto and umbrella insurance with no problems but last September I accidently scratched another car while parking. Ameriprise advertises that they had accident forgiveness but they lie. The only time I had to use my insurance in 19 years and they screwed me over the first chance they got. The Ameriprise representative was extremely rude and informed me that there was no accident forgiveness and they increased my rate to triple the original price. Save yourself heartache and DO NOT get Ameriprise Insurance.
I've never had a problem with being helped...never had an issue. My issue is their prices.
The high price.
Never had any problems with them.
My rates went up for no fault of mine. Car and auto.
Showing 1 - 10 out of 40 reviews

Ameriprise Car Insurance Information

Insurify Composite Score78
Number of discounts18
Number of reviews40
User Rating3.5
A.M. BestA
Standard & Poor'sA-


Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.