AssuranceAmerica Car Insurance Review & Ratings (2023)
Affordable and reliable car insurance solutions tailored to your needs with AssuranceAmerica Car Insurance. Protect your vehicle and your peace of mind with comprehensive coverage options and competitive rates. Discover the benefits of choosing AssuranceAmerica for your car insurance needs, including flexible payment options, excellent customer service, and hassle-free claims process.
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Laura Walker
Former Licensed Agent
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...
Former Licensed Agent
UPDATED: May 24, 2023
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Are you searching for reliable and affordable car insurance that offers exceptional coverage and peace of mind? Look no further than AssuranceAmerica Car Insurance. As a trusted provider in the industry, AssuranceAmerica understands the importance of protecting your vehicle and your financial well-being.
Take the next step towards finding the best car insurance for your needs by entering your zip code and comparing rates from top insurance providers in your area. Don’t miss out on the opportunity to secure reliable coverage and peace of mind. Choose AssuranceAmerica Car Insurance and drive with confidence.
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:
| State | Insurance Required | Minimum Liability Limits |
|---|---|---|
| AL | BI & PD Liab | 25/50/25 |
| AK | BI & PD Liab | 50/100/25 |
| AZ | BI & PD Liab | 15/30/10 |
| AR | BI & PD Liab, PIP | 25/50/25 |
| CA | BI & PD Liab | 15/30/5 |
| CO | BI & PD Liab | 25/50/15 |
| CT | BI & PD Liab, UM, UIM | 25/50/20 |
| DE | BI & PD Liab, PIP | 25/50/10 |
| DC | BI & PD Liab, UM | 25/50/10 |
| FL | PD Liab, PIP | 10/20/10 |
| GA | BI & PD Liab | 25/50/25 |
| HI | BI & PD Liab, PIP | 20/40/10 |
| ID | BI & PD Liab | 25/50/15 |
| IL | BI & PD Liab, UM, UIM | 25/50/20 |
| IN | BI & PD Liab | 25/50/25 |
| IA | BI & PD Liab | 20/40/15 |
| KS | BI & PD Liab, PIP | 25/50/25 |
| KY | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| LA | BI & PD Liab | 15/30/25 |
| ME | BI & PD Liab, UM, UIM, Medpay | 50/100/25 |
| MD | BI & PD Liab, PIP, UM, UIM | 30/60/15 |
| MA | BI & PD Liab, PIP | 20/40/5 |
| MI | BI & PD Liab, PIP | 20/40/10 |
| MN | BI & PD Liab, PIP, UM, UIM | 30/60/10 |
| MS | BI & PD Liab | 25/50/25 |
| MO | BI & PD Liab, UM | 25/50/25 |
| MT | BI & PD Liab | 25/50/20 |
| NE | BI & PD Liab, UM, UIM | 25/50/25 |
| NV | BI & PD Liab | 25/50/20 |
| NH | FR only | 25/50/25 |
| NJ | BI & PD Liab, PIP, UM, UIM | 15/30/5 |
| NM | BI & PD Liab | 25/50/10 |
| NY | BI & PD Liab, PIP, UM, UIM | 25/50/10 |
| NC | BI & PD Liab, UM, UIM | 30/60/25 |
| ND | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| OH | BI & PD Liab | 25/50/25 |
| OK | BI & PD Liab | 25/50/25 |
| OR | BI & PD Liab, PIP, UM, UIM | 25/50/20 |
| PA | BI & PD Liab, PIP | 15/30/5 |
| RI | BI & PD Liab | 25/50/25 |
| SC | BI & PD Liab, UM, UIM | 25/50/25 |
| SD | BI & PD Liab, UM, UIM | 25/50/25 |
| TN | BI & PD Liab | 25/50/15 |
| TX | BI & PD Liab, PIP | 30/60/25 |
| UT | BI & PD Liab, PIP | 25/65/15 |
| VT | BI & PD Liab, UM, UIM | 25/50/10 |
| VA | BI & PD Liab, UM, UIM | 25/50/20 |
| WA | BI & PD Liab | 25/50/10 |
| WV | BI & PD Liab, UM, UIM | 25/50/25 |
| WI | BI & PD Liab, UM, Medpay | 25/50/10 |
| WY | BI & PD Liab | 25/50/20 |
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:
| State | Average 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 |
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.
Frequently Asked Questions
What is AssuranceAmerica Car Insurance?
AssuranceAmerica Car Insurance is an insurance company that specializes in providing affordable car insurance to high-risk drivers.
Who is AssuranceAmerica Car Insurance best suited for?
AssuranceAmerica Car Insurance is best suited for high-risk drivers who may have a history of accidents, traffic violations, or other issues that make it difficult to obtain affordable car insurance from other companies.
Does AssuranceAmerica Car Insurance offer coverage in all states?
No, AssuranceAmerica Car Insurance only offers coverage in select states, including Georgia, Louisiana, Texas, and Florida.
What types of coverage does AssuranceAmerica Car Insurance offer?
AssuranceAmerica Car Insurance offers a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, and uninsured motorist coverage.
How can I obtain a quote for car insurance coverage from AssuranceAmerica?
You can obtain a quote for car insurance coverage from AssuranceAmerica by visiting their website or contacting a licensed insurance agent.