4.8out of 3,000+ reviews

Amigo USA Car Insurance Review: Ratings and Quotes (2023)

Secure. Free. Easy-to-use.
Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.

“Amigo” means “friend” in Spanish, and that’s exactly what Amigo Insurance wants its customers to feel about them. This insurance company goes by many names under the umbrella of Amigo MGA, including Amigo Blue, Amigo USA, and Amigo America. Amigo is powered by a digital ecosystem that’s aimed at “bridging the gap in the auto insurance world.”

How does Amigo auto insurance compare to the other insurance providers out there? Compare free quotes with Insurify to find out. This tool makes it easy to get the auto insurance quotes you need quickly and easily.

Amigo in a Nutshell

  • The average cost of car insurance with Amigo is $77 per month.

  • Amigo is good for multicultural services, people who frequently travel to Mexico, and people who live in its small coverage area.

  • Amigo isn't the best option for online quotes and people who don’t want to meet with an insurance agent in person.

Amigo Industry Rankings and Scorecard

Not much information is available about Amigo’s claims satisfaction and financial strength. The company earned a B1 rating from Moody’s but otherwise doesn’t rank among the top auto insurance companies when it comes to claims or customer satisfaction. However, it does have an A+ rating from the Better Business Bureau (BBB). Here’s how it stacks up according to our ratings.

Industry RankingAmigo Rating
Moody’s Financial StrengthB1 from Moody’s
Better Business BureauA+

See More: Best Car Insurance

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.

Amigo Car Insurance Quotes by Driver History

People with clean driving records and no points on their driver’s license tend to have the lowest insurance rates. However, one of Amigo’s specialties is high-risk drivers who have a hard time getting coverage elsewhere, including motorists who need SR-22 insurance.

Driver ProfileAmigo Average Monthly PremiumNational Average
Clean Record$111$77
At-Fault Accident$135$113
Speeding Ticket$117$104
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See More: High-Risk Car Insurance

Amigo Car Insurance Quotes by State

Location has a significant impact on the cost of an auto insurance policy. It’s just one factor that insurance companies consider when they calculate the cost of auto insurance coverage, along with credit scores, marital status, and other factors. We found these rates across Amigo’s coverage area.

StateAmigo Average Monthly Premium
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Amigo Car Insurance Pros and Cons

There are pros and cons to choosing Amigo for your insurance needs, just like with any other company in the insurance industry. Here’s what you can expect if you choose Amigo.


  • Easy to use Amigo App

  • Extends service to Mexico


  • Only available in a few states

  • Must secure coverage through an agent

See More: Best & Worst Sites to Compare Car Insurance Quotes

Amigo Car Insurance Discounts

Amigo offers a few discounts on its car insurance policies that can help lower the cost of your auto insurance policy. The company doesn’t publicize its discounts, but these have been offered in the past. Your best bet is to ask about potential discounts when signing up to make sure you’re paying the lowest rate possible.

Driver-Based Discounts

Amigo has offered several driver-based discounts in previous years, including a safe driver discount and a homeowner discount. You can also get discounts for having safety features in your car, like passive restraints and anti-theft devices.

Policy-Based Discounts

Amigo has offered many policy-based discounts. They include discounts for paying in full, transferring your insurance to Amigo or renewing a policy with the company, and insuring multiple cars.

Bundling Discounts

Amigo’s multi-policy discount rewards people for bundling car insurance with the company’s renters or homeowners insurance.

See More: Cheap Car Insurance

Amigo Car Insurance Coverage Options

Amigo focuses primarily on insuring high-risk drivers in a small market. Many niche providers that offer this service typically only offer the minimum coverage for property damage and bodily injury liability that’s required to operate a motor vehicle. However, it does have a couple of specialized offerings that could come in handy for some drivers.

Rideshare Coverage

Amigo offers specialized coverage for people who use their cars for rideshare or gig work. This coverage is crucially important. Your regular car insurance may not cover you if you’re in an accident while using the car for rideshare activities, and companies like Uber and Lyft only cover you while you have a passenger in the car, leaving you vulnerable.

SR-22 Insurance

Need to file an SR-22 form to get back on the road? Amigo has you covered! The company will file an SR-22 for you so you can resume driving.

Coverage in Mexico

Amigo offers optional car insurance that covers trips to Mexico, which many other U.S.-based companies exclude from coverage. If you visit Mexico often and plan to drive while you’re there, this could be valuable.

See More: Compare Car Insurance

Amigo Car Insurance Reputation

Is Amigo USA car insurance good?

Amigo USA car insurance ranks generally well for claims and customer satisfaction, financial strength, and affordability. The average monthly cost for a policy with Amigo USA is $77.

There are very few reviews about Amigo out there, and the ones that are present give a mixed view of the company’s reputation. Relying solely on customer reviews can skew your perceptions because people who are angry are more likely to leave a review. However, they can still be helpful.

Amigo Customer Service

Some policyholders say that it’s hard to get in touch with an insurance agent and that when they finally did reach someone, the agents were rude. That could ultimately make it more frustrating to file a claim.

Amigo Claims-Filing Process

Amigo allows policyholders to file claims over the phone, online, or through the company’s mobile app.

See More: Car Insurance Quotes

Amigo: Is it right for you?

Amigo can be a useful car insurance option, especially for people who have a hard time getting car insurance from other companies. Your best bet for getting affordable car insurance, however, is to compare rates with Insurify. It’s easy, it’s fast, and it will help you make sure you’re getting the best rates you can get.

Frequently Asked Questions

  • Amigo can be an affordable answer for people in need. However, it’s only available in Illinois, Indiana, Wisconsin, Texas, and Mexico, so if you live somewhere else, it will not be an option for you.

  • We found an average cost of $104 per month for Amigo policies.

  • Amigo doesn’t publicize its discounts, but a few common ones to ask an agent about include bundling, safe driver, and safety feature discounts.

  • Comparing quotes from lots of insurance companies is the best way to save money on car insurance. Get the quotes you need with Insurify and see what deals you can find.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers 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. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Jennifer Pendell
Jennifer PendellInsurance Writer

Jennifer Pendell is a personal finance expert. She specializes in breaking down dense subjects to make them easier for consumers to understand, with a particular interest in homeowners, renters, and auto insurance concepts. She studied at the University of Iowa.