Amigo USA Car Insurance Review: Ratings and Quotes (2024)

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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.

Jackie Cohen
Edited byJackie Cohen
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Jackie CohenEditorial Manager

Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.

Jackie's work has been cited in USA Today, The Balance, and The Washington Times.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated March 8, 2023

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“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+
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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
DUI$167$155
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.
High-Risk Car Insurance

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
Illinois$104
Indiana$63
Texas$81
Wisconsin$61
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.

Pros
  • Easy to use Amigo App

  • Extends service to Mexico

Cons
  • Only available in a few states

  • Must secure coverage through an agent

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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.

Cheap Car Insurance

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.

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.

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

  • Is Amigo car insurance good?

    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.

  • How much does Amigo car insurance cost per month?

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

  • What car insurance discounts does Amigo offer?

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

  • How do I get the cheapest car insurance?

    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.

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Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

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.

Jackie Cohen
Edited byJackie CohenEditorial Manager
Photo of an Insurify author
Jackie CohenEditorial Manager

Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.

Jackie's work has been cited in USA Today, The Balance, and The Washington Times.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.