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Adriana's Insurance review 2025

Updated Apr 15, 2025
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At a glance

Bankrate's take

Drivers who are considered high risk in Southern California might find Adriana’s Insurance to be a good fit, but it is an agency, so it does not issue its own policies.

  • Can compare rates from multiple insurers
  • Only available to some California residents
  • Affordable coverage for high-risk drivers
  • Term and permanent life insurance available
  • 40+ local offices throughout the state
  • Offers Mexico travel insurance

Adriana’s car insurance review

Adriana’s car insurance may be a good option for high-risk drivers in Southern California who have a difficult time securing affordable coverage. This agency works with drivers and insurance companies to get the best rate possible for each customer's coverage needs. Some of the companies it works with include Bristol West, National General and Kemper.

Adriana's is not an insurance provider. It’s an agency that helps drivers find auto insurance options in California. The agency is particularly focused on assisting high-risk drivers, including those who need an SR-22 filing. As such, this agency could be a good choice for drivers who are unsure where to start for comparing rates and options for coverage.

Coverage options will vary based on the carrier Adriana's pairs you with, but the company may be able to help drivers secure standard coverage types, including full coverage, plus endorsements like windshield replacement coverage and roadside assistance.

Pros and cons of Adriana’s car insurance

Is Adriana's the right choice for your car insurance needs? Bankrate reviews some pros and cons to help you make your choice.

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Pros

  • Advertises affordable coverage options for high-risk drivers
  • As an agency, Adriana's can source quotes and coverage options from numerous carriers for you to compare
  • Get quotes and purchase your policy online
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Cons

  • Only available to some California residents
  • Offers limited digital tools
  • Not rated by J.D. Power, AM Best or NAIC
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Adriana’s car insurance cost

Adriana's is an insurance agency, so your quoted rate will vary based on the carrier you are matched with. The national average for car insurance is $2,692 for full coverage, which includes collision and comprehensive insurance, while minimum insurance is available for a national average of $808.

California's averages tend to be more than the national: In the Golden State, full coverage averages $3,026, while state-mandated minimum coverage averages  $882. Keep in mind that if you are a high-risk driver, you may pay more for your coverage, since carriers are likely to view you as being more likely to file a claim.

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Adriana’s home insurance review

California residents who are seeking homeowners insurance may find a broad range of options at Adriana’s home insurance, depending on the carrier they work with. The company's homeowners insurance policy types include condo and mobile home coverage, as well as coverage for specialty homes. The potential endorsements you will find with Adriana's vary based on the carrier you are paired with.

Pros and cons of Adriana’s home insurance

Adriana’s insurance may help California homeowners find the right insurance — here are some pros and cons of using the company.

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Pros

  • Offers varying coverage types for homeowners and renters living in a number of different dwelling types
  • Agency model may make it easier to compare quotes from many different carriers
  • Flood insurance is available
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Cons

  • Available only to some California residents
  • Discount information is not readily available
  • Rates vary depending on policy underwriter
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Adriana's home insurance cost

As with car insurance, Adriana’s handling of home insurance coverage is unique. Adriana’s acts as an agency working with multiple providers, so exact rate quotes are not available. The national average cost of home insurance is $2,329 for $300,000 in dwelling coverage, according to Bankrate's research. Fortunately for California residents, the state average is $1,674.

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Adriana’s life insurance review

Adriana's website does not offer much information about its life insurance offerings, but it does mention both permanent and term policy options. Some of the partner carriers featured on Adriana's life insurance website include AIG and John Hancock. Adriana's does have an online quoting tool for life insurance, but you must speak with an agent to complete your policy coverage selections and purchase. Adriana's agency model promises to save you money on your policy by allowing you to compare rates from among the companies it works with, potentially giving you the most affordable coverage for your needs.

Pros and cons of Adriana's life insurance

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Pros

  • Offers term and permanent options to customers
  • Limited online quoting tool is available
  • Can do rate comparisons with quotes from multiple insurers
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Cons

  • Limited options compared to competitors
  • Only available to residents in certain parts of California
  • Numerous negative reviews online

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Compare Adriana's with other insurers

Many insurance experts recommend that you compare insurers before making a decision on the best policies for your needs. Every insurer uses its own proprietary methods for determining rates, and every insurer varies in terms of the types of coverage, possible endorsements and available discounts, so asking for quotes from multiple companies can help you find the most affordable coverage for your needs. Adriana's Insurance advertises that it will help you do this by securing quotes from various partner institutions. However, it's also worth noting that it does not work with all major carriers, so will not be able to give you as broad a spectrum of rate options as you might be able to gather on your own.

Adriana’s Insurance vs. Electric Insurance 

While Adriana’s is limited to a specific geographic region, Electric Insurance serves all 50 states, as well as  Puerto Rico and Washington, D.C. It also provides a lengthy list of car and home insurance coverage options. Like Adriana's, Electric has limited digital tools, but offers personalized service through agents.

Learn more: Electric Insurance

Adriana’s Insurance vs. Secura Insurance

Unlike Adriana’s Insurance, Secura Insurance offers its own policies to customers. If you live outside of Adriana's coverage area, Secura may be an option. The carrier is available in 13 states and puts a major emphasis on social responsibility, including working with charitable organizations focused on sustainability.

Learn more: Secura Insurance

Adriana’s Insurance vs. Encompass

Encompass is an Allstate company that offers a full range of car and home insurance coverage options and discounts for a majority of states in the U.S. If you're looking for home and auto coverage, you may be interested in Encompass' single policy deductible option.

Learn more: Encompass

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Why you can trust Bankrate

Read our full methodology

The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

78

years of industry experience

9

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

Is Adriana's a good insurance company?

Adriana’s is a unique option for people seeking insurance. Rather than offering policies directly, it serves as an agency, helping you shop for the best deal. That may make it highly useful for people in Southern California who want to work with an agent for coverage guidance. It may also appeal to high-risk drivers who have difficulty securing coverage.

However, Adriana's is only available in Southern California and offers limited information about its coverage details or the carriers it works with. For more information, you'll likely need to reach out to a company agent.

What are real-life customers saying about Adriana's?

To help you understand the experience that real-life customers have had with Adriana's Insurance, Bankrate's insurance editorial team took a deep dive into online comments from policyholders. Adriana has mixed reviews, with a few positive ones — comments generally speak to customer service that is not as good as it could be, others say they did get cheap quotes.

Adriana's company details

Adriana's Insurance only operates in parts of California. If you are in their region and wish to connect with the company, you can do so as follows:

  • Phone numbers for general contact, claims, and customer service (if available): (888) 290-4040. Phone numbers for individual insurers can be found here to file claims.
  • Link to company website: adrianasinsurance.com
  • Mailing address for company: 9445 Charles Smith Ave, Rancho Cucamonga, CA 91730

State availability

Adriana’s Insurance only offers coverage in portions of Southern California.

Adriana's tools and benefits

In addition to shopping for the best insurance deals, Adriana’s Insurance offers other perks that may be worth considering, including:

  • Immigration services
  • DMV services
  • Traffic school
  • Motorcycle insurance
  • Renters insurance
  • Recreational vehicle insurance
  • Commercial auto and truck insurance
  • Business insurance
  • Special event insurance
  • Mexico travel insurance
  • Truck permits and insurance

Frequently asked questions about Adriana's Insurance

Methodology

Rates

Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied: 

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40 year old
Single male and female driver
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2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
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Clean driving record
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Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles