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At a glance
Bankrate's take
AssuranceAmerica is a regional carrier that focuses on providing coverage for high-risk drivers. If you fit this demographic, it might be your company of choice. However, it has a higher-than-average number of customer complaints and little opportunity to customize your policy to fit your needs.
Donates 5 percent of all policy profits to local nonprofits
Little transparency about available coverage types
Specializes in high-risk drivers, SR-22 forms available
High complaint volume
AssuranceAmerica car insurance review
AssuranceAmerica sells simple policies that may appeal to high-risk drivers who might have difficulties finding coverage with regular insurers. The company also offers SR-22 forms for those who are required to have them by their state. If you fit in this category or have earned past infractions, such as a DUI-DWI, and are in the company's 10-state service area, you may want to consider AssuranceAmerica.
AssuranceAmerica sells its policies through a network of independent agents, which can help you get the best price and options since they can compare rates and offerings across more than one insurer. There's little information about available endorsements or potential discounts on the AssuranceAmerica website, but it does offer you the ability to obtain an online quote for your coverage. If you are looking for a full-service company with robust coverage options and a transparent website, AssuranceAmerica may not be the best option for you.
Pros and cons of AssuranceAmerica car insurance
Before you sign up for a policy with AssuranceAmerica or any provider for car insurance, it’s important to consider some of the potential pros and cons.
Pros
Good for drivers who want to work with a local independent agent
A portion of earnings are donated to local charities in the states where it is active.
Mobile app available
Cons
Hardly any information on its website
Higher-than-average number of complaints in National Association of Insurance Commissioners’ (NAIC) Complaint Index
Limited information available about discount and policy options
AssuranceAmerica customer satisfaction
A key metric of our AssuranceAmerica insurance review is looking at customer satisfaction ratings and complaints. If customer service is a priority for you, your best bet may be to speak to current AssuranceAmerica policyholders to learn about their experience since J.D. Power does not rate the carrier — likely due to its size.
AssuranceAmerica auto insurance customer complaints
There are other ways to gauge an insurance company’s National Association of Insurance Commissioners (NAIC) complaint index. The NAIC tracks formal complaints lodged against an insurance company and then compares it to the industry average to see whether it received more or less compared to competitors.
In the NAIC’s Complaint Index, AssuranceAmerica scored 1.23 for its auto insurance, indicating that it received more than the expected number of complaints for a company its size. This could indicate that customers were not as satisfied with their car insurance from AssuranceAmerica.
AssuranceAmerica car insurance cost
Average rates for AssuranceAmerica aren’t available. Nationally, the average premium as of September 2024 is $2,348 per year for full coverage and $639 for minimum coverage, though that can vary from state to state and depending on your personal rating factors. Understanding average rates in your area for similar driver profiles can help give you a baseline when you shop for car insurance quotes.
AssuranceAmerica car insurance discounts
AssuranceAmerica does not list any discounts on its website; if you want to know what opportunities it offers to save on car insurance, the best way is to contact the company.
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Get personalized auto insurance quotes
Answering a few quick questions to check your availability with AssuranceAmerica
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.
Compare AssuranceAmerica with other insurers
When it comes to finding the best car insurance, exploring different carriers and requesting car insurance quotes will be integral to understanding which one meets your needs. If you’re not sure about AssuranceAmerica, Bankrate found a list of comparable insurance providers.
AssuranceAmerica vs. Geico
Geico offers some of the cheapest average rates in the country for drivers with blemishes on their driving records as well as those with clean driving records. It also has a long list of potential car insurance discounts that could help reduce your premium. It doesn’t offer a lot of endorsement opportunities, but if you’re on a budget and want the basics, Geico offers strong customer satisfaction scores from J.D. Power and a high rating for financial strength from AM Best.
If you want to bundle cheap home and auto insurance, Erie might be worth a look. It is considered a regional carrier, but it is offered in more states than AssuranceAmerica. It also offers RateLock, which can help keep your premiums stable over time unless you make changes to your policy.
Unlike AssuranceAmerica, Travelers has a long list of optional car insurance add-ons for drivers who want to personalize their policies. Based on Bankrate’s study of average premiums, Travelers may also be relatively affordable for both home and auto insurance compared to the national average.
Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth AssuranceAmerica insurance review.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
Is AssuranceAmerica a good insurance company?
AssuranceAmerica was founded in 1998 and now operates with a vast network of independent agents across 10 states. Although its insurance offerings are limited both in options and location, it works with drivers who may otherwise have a hard time securing insurance.
AssuranceAmerica focuses on drivers who are considered high-risk or who simply want to obtain the minimum amount of car insurance to drive legally. The carrier also places a strong emphasis on the customer and agent relationship. As a result, this insurer offers limited capabilities in its mobile app and online, but does keep extended hours for customer support. It does not, however, offer 24/7 customer service hours. If working with a local agent and maintaining the minimum amount of coverage are what you are looking for with an insurance company, you may want to consider getting a quote from AssuranceAmerica.
What are real-life customers saying about AssuranceAmerica?
While third-party ratings can be great ways to get the general gist of an insurance company, it also helps to go directly to the source: real-life AssuranceAmerica customers. To find them, Bankrate’s insurance experts looked to Reddit, an online discussion forum.
A couple of AssuranceAmerica policyholders voiced complaints about the company’s claims-handling process. Multiple users claimed that the process was slow and that payouts for damage were less than expected.
AssuranceAmerica company details
Customer service: 1-800-450-7857, from Monday through Friday, 8 a.m. to 7 p.m., ET and Saturday, 9 a.m. to 5:30 p.m., ET
Customer service email: customer_service@aainsco.com
Claims: 1-888-580-8134, from Monday through Friday 8 a.m. to 5 p.m., ET, although claims can be reported 24/7
AssuranceAmerica writes car insurance policies in 10 states: AL, AZ, FL, GA, IN, MO, NE, SC, TX and VA.
AssuranceAmerica tools and benefits
AssuranceAmerica also sells renters insurance but does not offer other types of insurance. The company's website does not list any other tools or benefits.
Frequently asked questions about AssuranceAmerica
To file a claim with AssuranceAmerica, you can contact your local agent or call the general customer care number at 1-888-580-8134. While claims can be filed anytime, the claims office is open Monday through Friday, from 8 a.m. to 5 p.m., ET.
AssuranceAmerica does have some corporate sustainability initiatives. For example, A portion of AssuranceAmerica’s earnings are contributed to local organizations focused on ending homelessness and improving education. Some of these groups include City of Refuge, The Extension and MUST Ministries in Atlanta, Georgia and Metropolitan Ministries in Tampa, Florida.
AssuranceAmerica is focused on helping drivers who want to purchase the state minimum level of insurance. However, interested customers can add collision and comprehensive coverage to give themselves full coverage through AssuranceAmerica.
Bankrate makes a concerted effort to provide a Bankrate Score for each company we review. However, AssuranceAmerica is a more regional insurer and works through a network of independent agents, meaning coverage, rate and third-party data are limited. Experience with the provider will likely vary on a state-by-state basis.
What policyholders are saying about AssuranceAmerica
AssuranceAmerica has 25 reviews
Dive into community reviews below and see what others think about AssuranceAmerica.
4.0
25
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
76% of consumers recommend this insurer
Score breakdown
5 stars
48%
4 stars
28%
3 stars
12%
2 stars
4%
1 star
8%
Score by category
Overall rating4.0 / 5
Original cost3.8 / 5
Coverage4.2 / 5
Customer Support4.4 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about AssuranceAmerica.
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
My insurance company is trustworthy and helpful when I need them to be.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The quality of customer services and the patience with customers. One reason to leave is to find a better price for coverage.
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support5/ 5
Coverage3/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
It’s not expensive and I save money every month
Insurance Type
Auto
Score by category
Original cost2/ 5
Customer Support4/ 5
Coverage3/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
It's the best for me and it doesn't compare to others.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They have the best quality for me And quote.
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I chose this insurer because I was familiar to this company already since some of my family and friends use it.
How does this insurer compare to insurance companies you’ve had in the past?
It met my expectations by having good customer support and insuring my home and car.
Insurance Type
Auto + Home
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Cheaper rates. Great communication
How does this insurer compare to insurance companies you’ve had in the past?
Willing to understand circumstances and negotiate the perfect rate
Insurance Type
Auto + Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Very good
Insurance Type
Home
Score by category
Original cost3/ 5
Customer Support3/ 5
Coverage3/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I chose this because of their excellent rates and discounts for the insurance. I liked their customer serivce and speed of their service.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I would stay with them is how they carry themselves with insurances values. I would leave them for another would be if the rates drastically increased or lose my discounts.
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I felt comfortable with the as a company
How does this insurer compare to insurance companies you’ve had in the past?
They are super comunicative
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
The price and the coverage
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I would stay if they keep there prices how it is. I would leave if they raise there prices
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
It is easy to handle
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
