Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict
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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.
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
Cons
Only available to some California residents
Offers limited digital tools
Not rated by J.D. Power, AM Best or NAIC
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 $2,685 for full coverage, which includes collision and comprehensive insurance, while minimum insurance is available for a national average of $800.
California's averages tend to be more than the national: In the Golden State, full coverage averages $2,975, while state-mandated minimum coverage averages $861. 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.
Adriana's customer satisfaction
Because Adriana’s does not issue its own insurance policies, third-party ratings for customer satisfaction are not available. You may want to speak with existing customers to get an idea of Adriana Insurance reviews and assess their level of satisfaction with the company. You may also benefit from researching third-party reviews for the potential carriers you get matched with through the agency. Major third-party customer satisfaction and financial strength assessors in the insurance industry include J.D. Power and AM Best.
Adriana’s car insurance discounts
There is not much information available regarding the discounts for auto insurance policies and other ways to save from Adriana’s Insurance. However, the company does state that it provides discounts for good drivers. Discounts will vary based on the carrier the agency pairs you with. For more specific discount details, we recommend you reach out to an agent from Adriana's.
As an example, here are a few of the discounts you may find available to you if your policy is underwritten by National General, one of Adriana's partner companies:
Low mileage discount: if you drive less than the average, you might earn some savings on your account.
Telematics discount: National General's telematics program, called DynamicDrive, could save you significant money if you demonstrate safe driving habits.
Paperless discount: if you agree to receive your bills and other documents digitally rather than via postal mail, you may save money.
Security device discount: does your car have an anti-theft system or other security device? It could lead to a discount.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Adriana's
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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.
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
Cons
Available only to some California residents
Discount information is not readily available
Rates vary depending on policy underwriter
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 $2,267 for $300,000 in dwelling coverage, according to Bankrate's research. Fortunately for California residents, the state average is $1,439.
Adriana's customer satisfaction
As with auto insurance, Adriana's homeowners insurance is not rated with J.D. Power or other consumer watchdog organizations. Adriana's does not underwrite its own home insurance policies, but serves as an agency for other insurers. Customer satisfaction is likely to vary depending on the insurer that you are matched with.
Adriana's home insurance discounts
To give you an idea of potential discounts you may be eligible for, here are a few offered by Adriana's partner National General:
New home discount: If your home is a new build or on the newer side, you may qualify for savings.
Gated community discount: you may earn a discount if your home is in a gated community.
HOA discount: if you live in a neighborhood with a homeowners association, you may save on your premium.
College education discount: If you have a college degree, it could net you some savings.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Adriana's
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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
Pros
Offers term and permanent options to customers
Limited online quoting tool is available
Can do rate comparisons with quotes from multiple insurers
Cons
Limited options compared to competitors
Only available to residents in certain parts of California
Numerous negative reviews online
Adriana’s life insurance riders
Life insurance endorsements from Adriana's will vary based on the company you are paired with and the policy type you choose. Specific endorsement information is not available on the company's website.
Compare life insurance providers quickly and easily
See which provider is right for you.
Please select age
The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.
Please select Coverage amount
Whole life insurance combines life insurance with an investment component.
Coverage for life
Tax-deferred savings benefit if premiums are paid
3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
Fixed premium over term
No savings benefits
Outliving policy or policy cancellation results in no money back
This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. The offers and clickable links that appear on this advertisement are from companies that compensate Homeinsurance.com LLC in different ways. The compensation received and other factors, such as your location, may impact what ads and links appear, and how, where, and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available to you as a consumer. We strive to keep our information accurate and up-to-date, but some information may not be current. Your actual offer terms from an advertiser may be different than the offer terms on this widget. All offers may be subject to additional terms and conditions of the advertiser.
This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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.
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.
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.
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
Adriana’s Insurance provides support to the Hispanic community for both English and Spanish-speaking clients. The founder, Adriana Gallardo, is actively involved in the Southern California community and provides tools to help other business owners grow. Gallardo also started Adriana's Foundation, a nonprofit organization that supports women's empowerment through leadership and education programs.
Adriana’s website has a list of all of the insurance companies that it works with. It lists each insurer’s phone number so you can reference the page if you have to call to file a claim. In some cases, you may be able to file your claim electronically via the company's website or an app; other companies may require you to call your local agent to submit your claim.
Bankrate's insurance editorial team works diligently to research and review each of the companies we feature, in order to help you make better decisions on your insurance needs. Adriana's Insurance, however, is not actually an insurance company — it is a broker offering access to multiple partner companies. The policy you purchase through Adriana’s will vary depending on the insurer you are matched with, and that company's attention to customer service, coverage options and other barometers of quality. Having said that, Bankrate does offer informational reviews of many of the company's that Adriana's works with. You can find Bankrate Scores and more on our website, for example, for National General, Bristol West and Kemper, all of whom work with Adriana's.
Adriana's Insurance was founded and is owned by Adriana Gallardo. She is the owner of AGI Business Group, which includes Adriana's Insurance, Adriana's Immigration Services, Adriana's Traffic School, Adriana's Foundation, Adriana Gallardo (personal brand) and AGNC Media Group, the marketing agency responsible for positioning, planning, designing, producing and distributing advertising content for each one of her brands and companies.
Yes, Adriana’s can help drivers get SR-22 insurance. Adriana's can submit your SR-22 with the California DMV on the same day that you get your policy.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze April 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:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
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
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
