Assurance America Car Insurance Review & Ratings (2022)

Assurance America offers minimum-limit property and car insurance. While you can get primary coverage types, there are limited ways to customize your coverage. In addition, Assurance America doesn't have the best customer service, so you may have difficulty contacting customer service or processing claims promptly. With that being said, Assurance America may provide coverage for high-risk drivers.

UPDATED: Jun 28, 2022Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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Company Details
Address: 5500 Interstate North Parkway, Suite 600
City: Atlanta
State: GA
ZIP Code: 30328
Phone Number: (770) 952-0200
Year Founded: 1998
Company Rating 0 (0 reviews)

Assurance America has been providing minimum-limit property and car insurance since 1998. However, it is a small company with a less-than-desirable reputation due to its unfortunate lack of customer service standards. With that being said, if you’re able to find a good agent with the company, you may be able to take advantage of personalized service.

Read our full Assurance America car insurance review below to learn about the types of coverage it offers, how much it costs, and more.

Enter your ZIP code into our free quote comparison tool above to compare policies from multiple companies that are similar to coverages offered by Assurance America.

What types of car insurance does Assurance America offer?

Assurance America offers basic types of car insurance. You can choose between a few different levels of coverage.

The first level of coverage only includes the minimum amount of liability required in each state, as shown below:

Minimum Car Insurance Requirements by State
StateInsurance RequiredMinimum Liability Limits
ALBI & PD Liab25/50/25
AKBI & PD Liab50/100/25
AZBI & PD Liab15/30/10
ARBI & PD Liab, PIP25/50/25
CABI & PD Liab15/30/5
COBI & PD Liab25/50/15
CTBI & PD Liab, UM, UIM25/50/20
DEBI & PD Liab, PIP25/50/10
DCBI & PD Liab, UM25/50/10
FLPD Liab, PIP10/20/10
GABI & PD Liab25/50/25
HIBI & PD Liab, PIP20/40/10
IDBI & PD Liab25/50/15
ILBI & PD Liab, UM, UIM25/50/20
INBI & PD Liab25/50/25
IABI & PD Liab20/40/15
KSBI & PD Liab, PIP25/50/25
KYBI & PD Liab, PIP, UM, UIM25/50/25
LABI & PD Liab15/30/25
MEBI & PD Liab, UM, UIM, Medpay50/100/25
MDBI & PD Liab, PIP, UM, UIM30/60/15
MABI & PD Liab, PIP20/40/5
MIBI & PD Liab, PIP20/40/10
MNBI & PD Liab, PIP, UM, UIM30/60/10
MSBI & PD Liab25/50/25
MOBI & PD Liab, UM25/50/25
MTBI & PD Liab25/50/20
NEBI & PD Liab, UM, UIM25/50/25
NVBI & PD Liab25/50/20
NHFR only25/50/25
NJBI & PD Liab, PIP, UM, UIM15/30/5
NMBI & PD Liab25/50/10
NYBI & PD Liab, PIP, UM, UIM25/50/10
NCBI & PD Liab, UM, UIM30/60/25
NDBI & PD Liab, PIP, UM, UIM25/50/25
OHBI & PD Liab25/50/25
OKBI & PD Liab25/50/25
ORBI & PD Liab, PIP, UM, UIM25/50/20
PABI & PD Liab, PIP15/30/5
RIBI & PD Liab25/50/25
SCBI & PD Liab, UM, UIM25/50/25
SDBI & PD Liab, UM, UIM25/50/25
TNBI & PD Liab25/50/15
TXBI & PD Liab, PIP30/60/25
UTBI & PD Liab, PIP25/65/15
VTBI & PD Liab, UM, UIM25/50/10
VABI & PD Liab, UM, UIM25/50/20
WABI & PD Liab25/50/10
WVBI & PD Liab, UM, UIM25/50/25
WIBI & PD Liab, UM, Medpay25/50/10
WYBI & PD Liab25/50/20
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The next level of coverage includes the minimum amount of liability required by your state in addition to collision and comprehensive coverage.

Finally, the highest level of coverage includes the minimum amount of liability required by your state, collision and comprehensive coverage, uninsured/underinsured motorist (UM/UIM) coverage, and medical payments (MedPay) coverage.

You may be able to customize your policy a little bit by adding personal injury protection (PIP), towing coverage, or an accidental death endorsement. However, Assurance America car insurance plans only come with the minimum amount of liability that is required in your state with no way to increase your limits.

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How much is Assurance America car insurance?

Unfortunately, we weren’t able to find any information about Assurance America car insurance rates. However, we can show you some average rates to give you an idea of what you might pay. Below are the average car insurance rates in the states where Assurance America is licensed:

Average Annual Car Insurance Rates in States Where Assurance America Operates
StateAverage Annual Car Insurance Rates
Alabama$817.95
Arizona$932.10
Arkansas$869.37
Florida$1,206.46
Georgia$964.70
Illinois$833.44
Indiana$724.65
Kansas$819.14
Louisiana$1,326.78
Mississippi$935.08
Missouri$825.40
Nebraska$778.81
Nevada$1,057.63
New Mexico$896.58
Ohio$741.11
Oklahoma$941.34
Pennsylvania$934.34
South Carolina$910.51
Tennessee$823.74
Texas$1,025.64
Virginia$807.71
West Virginia$1,015.57
Wisconsin$696.11
Countrywide$954.99
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Assurance America offers a few discounts to help you save on your car insurance. Their discounts include prior insurance discounts, homeowner discounts, military discounts, and warehouse club members.

How is the Assurance America car insurance company rated?

Assurance America has an A+ BBB rating. Unfortunately, Assurance America is not rated by A.M. Best in relation to its financial strength.

Assurance America has a 3.56 NAIC complaint index, which indicates that the company has received 3.56 times the number of customer complaints that are expected for a company of its size.

Assurance America car insurance reviews that are posted online claim dishonest tactics to avoid paying claims. Many people who have been in an accident caused by a policyholder with Assurance America state that they have extreme difficulty contacting anyone from the company, and many of them have to go an extended period without transportation.

How do I get quotes or file claims with Assurance America?

Assurance America car insurance quotes are available on the company’s website. However, you can also contact an insurance agent that sells Assurance America car insurance products to get more detailed help. The website also has a tool to help you find an agent near you.

There are a couple of different ways to file a claim with Assurance America. First, you could contact your agent to get their help with the process. However, you can also file claims and get more information about the process by calling (888) 580-8134 or (678) 996-0110. Finally, you could email [email protected]

After you’ve filed your claim, if you need to send in documentation or other information, you can either fax it to (888) 579-8801 or mail it to PO Box 725009, Atlanta, GA 31139.

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How can I contact Assurance America?

Assurance America’s website offers several ways for policyholders and potential customers to contact them. If you want a more personalized experience, you may want to consider contacting an agent directly. However, you can also call the Assurance America customer service phone number at (800) 450-7857 or (770) 952-0200.

The general customer fax number is (877) 952-0258. In addition, you can send emails to [email protected] Finally, the general mailing address is PO Box 723128, Atlanta, GA 31139.

Unfortunately, it doesn’t seem as if there is an Assurance America customer login or Assurance America app to make managing your policy easier.

Should I buy Assurance America car insurance?

Assurance America may provide the basic car insurance coverages that most people need. In addition, it may also offer insurance to high-risk drivers who could have trouble finding insurance with other companies. However, if the company insures too many high-risk drivers, this could cause higher rates for its customers.

Regardless of its coverages and rates, Assurance America seems to have poor customer service and claims processes. If you’re looking for a company that is dedicated to ensuring customer communication and fairly determining claims payouts, you’re more likely to find it elsewhere.

On top of that, Assurance America is only licensed in 23 states and actively sells in 10. Currently, Assurance America sells car insurance in Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia. It may expand to Arkansas, Illinois, Kansas, Louisiana, Mississippi, Nevada, New Mexico, Ohio, Oklahoma, Pennsylvania, Tennessee, West Virginia, or Wisconsin in the future.

If you’re unable to find affordable Assurance America car insurance, enter your ZIP code into our free quote comparison tool below to find companies in your area.

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