AssuranceAmerica Auto Insurance Review: Ratings and Quotes (2024)

If you’ve been classified as a high-risk driver, AssuranceAmerica may be able to offer you coverage when you have few other options.

Melanie Lockert
Written byMelanie Lockert
Melanie Lockert
Melanie Lockert
  • 10+ years writing on personal finance topics

  • Host of the Mental Health and Wealth podcast

Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 May 16, 2024

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If you have infractions or moving violations on your driving record, you may have a hard time qualifying for auto insurance. That’s where non-standard car insurance can help. This coverage is designed for high-risk drivers.

AssuranceAmerica offers this type of insurance, which can be a perk, but it isn’t widely available across the U.S. The company is based in Atlanta and started in 1998. Aside from offering car insurance, the company also donates 5% of earnings to help fight homelessness.

If you’re looking for minimum coverage as a high-risk driver, AssuranceAmerica is an option. However, you should be aware that AssuranceAmerica reviews tend to be negative and that customer ratings tend to be low.[1]

Here’s what you need to know about AssuranceAmerica.

Quick Facts
  • AssuranceAmerica provides non-standard car insurance to high-risk drivers.

  • The company offers car insurance coverage in only 10 states.

  • The company’s website offers limited information, so talking to a local agent is your best bet.

How AssuranceAmerica stacks up

AssuranceAmerica car insurance may be helpful for drivers who don’t qualify for standard coverage with other companies. The company offers non-standard insurance, with rates that are typically higher than those from traditional insurers.

AssuranceAmerica also doesn’t advertise any discounts, but getting in touch with an agent can help you understand all your options.

Here’s how AssuranceAmerica stacks up compared to other insurance companies.

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Average cost of AssuranceAmerica auto insurance

The average cost of AssuranceAmerica is $123 per month for liability insurance and $215 per month for full coverage. These costs are slightly higher than the national average of $104 per month for liability insurance and $215 per month for full coverage.

Both the state you live in and your driving record affect your car insurance premiums.

AssuranceAmerica insurance reviews and ratings

Customer reviews are an important part of the vetting process when deciding which insurance company you want to work with. Here, you can see AssuranceAmerica insurance reviews and ratings to get a better idea of customer satisfaction and common complaints.

AssuranceAmerica customer reviews

AssuranceAmerica has fewer reviews than some other major insurers. For example, on Trustpilot, there are no reviews yet.

But on the Better Business Bureau (BBB) website, the company has 35 reviews, and on Yelp, it has 57 reviews.[2] On both sites, AssuranceAmerica has only one star.

To get an idea of what people are saying, here are some real reviews.

From a recent one-star review, there’s an ominous tone hinting at not having a great experience.

Another comment on the BBB website shows frustration at the claims process and handling of payment and policy.

AssuranceAmerica ratings

AssuranceAmerica isn’t quite on the radar of third-party rating systems. The ratings below typically show a company’s financial strength and more, but AssuranceAmerica isn’t rated, leaving little information for consumers. 

However, the National Association of Insurance Commissioners has a complaint index, tracking the frequency of complaints associated with the company. AssuranceAmerica has a much higher number of complaints relative to other insurance companies.

  • AM Best: Not rated

  • J.D. Power: Not rated

  • Standard & Poor’s: Not rated

  • Moody’s: Not rated

  • NAIC Complaint Index: Higher than average[3]

AssuranceAmerica car insurance coverage options

AssuranceAmerica provides non-standard insurance coverage to high-risk drivers who may have trouble qualifying for a policy elsewhere. So if you have an SR-22, DUI, or multiple infractions, you may be able to get car insurance coverage through AssuranceAmerica.

The company offers the minimum liability coverage mandated by the state you live in. Additionally, the company offers both collision and comprehensive coverages.

Here’s a breakdown of coverage types offered by AssuranceAmerica:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Bodily injury liability

    If you’re in a car accident and injure the other party, this coverage protects your liability.

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    Property damage liability

    If you’re at fault for causing property damage to another vehicle or building, this coverage can help; however, it doesn’t include repairs for your car.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments/personal injury protection (PIP)

    This offers coverage for medical bills and is available regardless of fault. Personal injury protection may be required in no-fault states.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If you’re involved in an accident with an uninsured or underinsured driver, this coverage helps pay for your costs to fill the gap.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Collision coverage

    If you’re involved in any type of collision, such as hitting another car or an object, this coverage pays for your damages.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If there’s an incident where your car is damaged by fire, theft, floods, or a flying rock or debris, this coverage pays for the repairs.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental coverage

    This offers reimbursement for costs incurred with a rental car if you need to get one after an accident.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing and labor coverage

    If you need roadside assistance, this coverage provides towing and labor support as well as jump-start and fuel delivery services.

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Accidental death and disbursement

    This coverage provides payment in the event the insured dies or loses a limb in a car accident.

AssuranceAmerica car insurance cost by state

AssuranceAmerica isn’t widely available in the United States. It offers policies only in the 10 states listed below. Each state has its own minimum coverage requirements and unique risk factors. Because of that, car insurance premiums change from state to state.

Here, you can see the average quotes for car insurance by state for both full coverage and liability only. These tend to be higher than the average quotes available from other insurers in the same states.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

State Name Average Quote: Full Coverage Average Quote: Liability Only
Nebraska12869
Alabama13373
Virginia161104
Indiana177127
Missouri221111
Arizona237149
Texas238179
Georgia240140
South Carolina246210
Florida356240
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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AssuranceAmerica auto insurance rates by driving history

Your driving history is one of the first things insurance companies look at during the underwriting process. The idea is that your past driving may predict your future. If you have a clean record, you’ll pay lower premiums. If your driving history includes a speeding ticket, an at-fault accident, or a DUI conviction, you’ll pay more for car insurance coverage.

Here, you can see average AssuranceAmerica quotes based on driving history. You can also compare quotes with a clean record versus various incidents and look at liability only versus full coverage.

Driving HistoryAverage Quote: Full CoverageAverage Quote: Liability Only
Clean record$215$123
With speeding ticket$262$150
With at-fault accident$268$153
With DUI$361$207
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.

AssuranceAmerica car insurance cost by age

Your age is another factor insurers consider when assessing risk. For example, teen drivers pay significantly higher average car insurance rates than other age groups. This is due to a lack of experience paired with higher rates of risky driving behavior.

Fortunately, premiums go down as people age before climbing again once a person reaches their 70s. This is due to increased risk from reduced faculties as well as the increased likelihood of senior drivers requiring medical care following an accident.

The table below shows the average quotes from AssuranceAmerica based on age.

Age GroupAverage Monthly Quote
Teens$220
20s$138
30s$102
40s$89
50s$83
60s$86
70s$96
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.

AssuranceAmerica car insurance discounts

Many car insurance companies provide an array of discounts for customers to help lower costs. However, AssuranceAmerica doesn’t advertise any particular discounts on its website, nor does it offer various insurance products that could enable bundling opportunities.

This doesn’t necessarily mean there are no discounts available, however. That’s why it’s best to contact an insurance agent to see whether there are any and whether you’re eligible.

AssuranceAmerica vs. other insurance companies

AssuranceAmerica is one of the many insurance companies on the market that may be a good choice for you, particularly if you qualify as a high-risk driver. Though it offers non-standard auto insurance coverage and may be more niche, there are competitors that offer the same. That’s why it’s a good idea to review and compare multiple options before making a decision.

Below, you’ll see how AssuranceAmerica compares with 21st Century and American Alliance, based on average quotes for liability and full-coverage car insurance.

Insurance CompanyLiability OnlyFull CoverageIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
AssuranceAmerica$123$2152.7
21st Century$121$2643.0
American Alliance*N/AN/A2.9
Actual quotes may vary based on the policy buyer's unique driver profile. *No available rates for American Alliance at this time.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

AssuranceAmerica vs. 21st Century

21st Century is an auto insurance company that’s been around since 1958. One of the major ways that 21st Century is different from AssuranceAmerica is the abundance of discounts it offers.

Through 21st Century, drivers may be eligible for a good driver discount, superior driver discount, good student discount, and mature driver discount. Plus, if you have proper anti-theft systems in place or insure multiple vehicles, you may qualify for even more discounts.

Students and mature drivers on a budget looking to save may get more out of 21st Century. However, if you live in one of the 10 states that AssuranceAmerica serves and find more affordable coverage with the company, it could be a better fit, even without the additional discounts.

AssuranceAmerica vs. American Alliance

American Alliance is another insurer that offers auto insurance coverage for high-risk drivers.

American Alliance is a BBB-accredited business with a rating of A- but also has more negative reviews than AssuranceAmerica.[4] The company also offers a handful of discounts, including for defensive driving, prior coverage, and having multiple auto insurance policies with the company.

When it comes to claims, American Alliance allows drivers to submit a claim online by answering a few questions. When reviewing the AssuranceAmerica FAQs, it appears that the only way to report a claim is by phone.

If you’re insuring multiple vehicles or prioritize being able to handle claims online, American Alliance may be the better option in this scenario. The company also works with independent agents who may be able to guide you.

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How to file an auto insurance claim with AssuranceAmerica

If you get a car insurance policy with AssuranceAmerica and need to file a claim for any reason, you can do so 24/7. Here’s how to file a claim with AssuranceAmerica.

  1. Collect information. You’ll need to have some pieces of information ready before filing a claim. This includes your policy number and the date, time, and location of the incident, as well as info about your vehicle and the other driver involved.

  2. Call AssuranceAmerica. You can reach AssuranceAmerica to file a claim at 1 (888) 580-8134.

  3. Get a damage estimate. AssuranceAmerica will have an adjuster give you a damage estimate for the incident.

  4. Receive payment for your claim. Once your claim is filed and approved, you can receive payment for your AssuranceAmerica claim via check, ACH, or a virtual debit card.

AssuranceAmerica insurance FAQs

AssuranceAmerica isn’t as well-known as some other insurance companies, so you might have some questions. You can find your answers here.

  • Is AssuranceAmerica legitimate?

    Yes. AssuranceAmerica is a car insurance company that works with drivers in 10 states across the U.S. The company is a non-standard auto insurance company, providing auto policies to high-risk drivers.

  • What is the average cost of AssuranceAmerica car insurance?

    The average price for liability coverage through AssuranceAmerica is $123 per month. The average rate for full coverage is $215 per month. Your costs may vary based on your driving history, location, age, and more.

  • Is AssuranceAmerica good at paying claims?

    AssuranceAmerica doesn’t currently have an AM Best rating for financial strength or long-term issuer credit, so there’s no third-party company evaluating how good the company is at paying claims. Some customer reviews on the Better Business Bureau suggest that the company may have claims delays.

  • Where can you find reviews about AssuranceAmerica’s services?

    You can check out customer reviews for AssuranceAmerica on the Better Business Bureau website. Currently, the company has one out of five stars and 35 reviews.

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.

Sources

  1. Better Business Bureau. "Assurance America."
  2. Yelp. "AssuranceAmerica."
  3. NAIC. "Results by Complaint Index."
  4. Better Business Bureau. "American Alliance Casualty Company."
Melanie Lockert
Melanie Lockert

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

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