Auto Insurance America Auto Insurance Review & Ratings (2023)

Online quotes for Auto Insurance America aren’t available, but the company promises rates as low as $29 a month for drivers in New Mexico and Nevada.

UPDATED: Jan 13, 2023Fact 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...

Full Bio →

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...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jan 13, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Jan 13, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 13, 2023Fact Checked

The Bottom Line

Although Auto Insurance America is a small company exclusively servicing New Mexico and Nevada, it might be the right choice for you. Auto Insurance America promises low prices, but you’ll need to speak with a representative to get a quote.

Auto Insurance America says drivers can pay as little as $29 a month for insurance, but you should always compare your options before signing up. Comparing quotes with as many companies as possible is the only way to ensure you get the best policy.

As such a small company, there are virtually no Auto Insurance America car insurance reviews and ratings online. The only reliable review to be found online is from the Better Business Bureau (BBB).

The BBB rates companies on their ability to resolve customer complaints. Auto Insurance America has an A+ from the BBB, and no complaints are listed on the website.

Other than that, there’s nothing else online about Auto Insurance America. That does not necessarily cause for alarm, though — Auto Insurance America is a small company, and customers might be completely satisfied.

Payment Options for Auto Insurance America

Auto Insurance America offers a range of payment options to make paying for your policy easy. There are standard payment methods for your insurance, including paying online, by mail, or in person.

You can also pay with most major credit cards and PayPal. Auto Insurance America also allows customers a great deal of flexibility for their payments, including choosing their own due dates and temporarily paying less when money is tight.

Does Auto Insurance America have an app?

Although Auto Insurance America has few options for managing your policy online, it does have a mobile app. You can use the mobile app to do the following:

  • Make payments
  • Obtain proof of insurance
  • Look at policy details
  • Report claims
  • Contact Auto Insurance America

It might not be the most extensive list of options, but the Auto Insurance America app makes managing your policy more convenient.

Is Auto Insurance America a Good Choice?

Auto Insurance America is a small insurance company that serves Nevada and New Mexico. There’s very little information online about Auto Insurance America, but the company promises some of the cheapest insurance rates in the two states it serves.

It might not compete with some of the best car insurance companies in the country, but Auto Insurance America might have the lowest rates for you. However, you’ll need to speak with a representative to get a quote because Auto Insurance America does not offer online quotes.

Read on to explore Auto Insurance America car insurance reviews and ratings. Then, compare rates with as many companies as possible to find the best rates for your needs.

Auto Insurance America Rates

Unfortunately, Auto Insurance America does not offer an online option to look at quotes. The only way to see how much Auto Insurance America might cost you is to speak with a representative. They’ll ask for some basic information, including your age, what type of car you drive, and your ZIP code. The representative will be able to estimate your quote.

Auto Insurance America promises cheap rates on its website, so it might offer some of the most affordable coverage. To get an idea of how much you might pay for Auto Insurance America coverage, consider the average rates for New Mexico and Nevada below.

StatesAverage Monthly Liability RatesAverage Monthly Collision RatesAverage Monthly Comprehensive RatesAverage Monthly Full Coverage Rates
Alabama$39$30$14$83
Alaska$47$31$12$91
Arizona$50$26$17$92
Arkansas$37$30$18$85
California$47$38$8$93
Colorado$52$26$20$98
Connecticut$62$33$11$106
Delaware$71$28$11$110
District of Columbia$61$42$19$122
Florida$79$28$11$118
Georgia$60$32$14$106
Hawaii$39$28$9$76
Idaho$33$21$11$65
Illinois$41$28$11$80
Indiana$35$23$11$69
Iowa$28$20$17$65
Kansas$33$23$22$78
Kentucky$48$25$13$86
Louisiana$77$38$20$135
Maine$31$24$9$63
Maryland$58$33$13$104
Massachusetts$53$35$12$100
Michigan$74$38$13$126
Minnesota$40$21$17$78
Mississippi$42$30$19$91
Missouri$40$25$17$82
Montana$35$23$22$80
Nebraska$34$22$21$76
Nevada$68$28$10$106
New Hampshire$35$27$10$72
New Jersey$77$34$11$121
New Mexico$46$25$16$87
New York$73$36$15$124
North Carolina$31$27$11$69
North Dakota$25$22$21$68
Ohio$36$24$11$71
Oklahoma$41$28$21$90
Oregon$55$22$8$85
Pennsylvania$44$30$13$88
Rhode Island$71$38$11$121
South Carolina$53$25$16$94
South Dakota$27$19$25$72
Tennessee$38$28$13$79
Texas$51$35$20$106
Utah$47$24$10$81
Vermont$31$27$12$69
Virginia$39$25$12$76
Washington$55$25$9$89
West Virginia$43$29$18$89
Wisconsin$34$20$13$67
Wyoming$29$24$24$78
Countrywide$50$30$13$94
Get Your Rates Quote Now

As you can see, Nevadans pay a bit more for insurance than the average New Mexico driver. Auto Insurance America claims drivers in both states can find coverage starting at $23 a month. The actual price you’ll pay depends on your unique circumstances, but the potential for low rates means it’s definitely worth getting a quote.

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Auto Insurance America Discounts Available

Auto Insurance America promises discounts for some drivers, but it’s vague about what discounts are actually available. However, there are common discounts most insurance companies offer, which Auto Insurance America might have. Some of these include:

  • Low mileage. The average American drives 10,000 miles in a year. If you drive fewer miles, you might get a low-mileage discount. Learn how mileage-based auto insurance works
  • Bundling. Most insurance companies sell more than one type of insurance, and they offer a discount if you buy multiple policies.
  • Multi-vehicle. You might earn a discount if you insure multiple cars on the same policy. The owners of each vehicle should also be on the same policy.
  • Good student. Full-time students under 25 who maintain a 3.0 GPA can earn a good student discount.
  • Good driver. If you remain free of claims, accidents, and tickets for a certain period of time, you’ll likely get a good driver discount. The amount of time you need to be claims-free depends on the company.
  • Defensive driver. Older drivers over 50 can take an approved defensive driving course to sharpen their accident avoidance skills. If you successfully pass the course, you might earn a discount.
  • Anti-theft devices. If you have comprehensive insurance, you can often earn a discount by having anti-theft devices in your car. Common anti-theft devices include audible alarms and GPS tracking.

Again, Auto Insurance America isn’t clear about how many discounts it offers. Since you need to call a representative to get a quote, you can also ask about what discounts Auto Insurance America offers.

Auto Insurance America Coverage Options

Most insurance companies sell enough coverage to meet both minimum and full coverage needs, and Auto Insurance America is no different.

Minimum insurance refers to the least amount of coverage you can buy and still be able to drive on a public road or register your car. Both states Auto Insurance America operates in require insurance, but the amount you’ll need depends on where you live.

If you live in Nevada, you’ll need a 25/50/20 plan, which refers to the required amount of liability insurance. Find Nevada insurance agents and brokers.

In New Mexico, the required coverage amounts are 25/50/10. Find New Mexico insurance agents and brokers.

While it’s never required by law, many drivers need full coverage car insurance, especially if they have a car loan or lease. Full coverage refers to a suite of insurance types, all of which Auto Insurance America sells.

The basic types of insurance Auto Insurance America sells include:

  • Property damage liability. As the first part of liability insurance, property damage coverage pays for damage you cause to other people’s property, including vehicles and buildings. It does not cover repairs for your car.
  • Bodily injury liability. If you injure someone in a car accident, this coverage pays for their medical bills. Bodily injury liability insurance covers other drivers, their passengers, and bystanders.
  • Collision. Collision car insurance pays for your car repairs after an accident, no matter who was at fault. It also covers you if you run into a stationary object, like a street sign.
  • Comprehensive. For all of life’s unexpected events, there’s comprehensive insurance. Comprehensive insurance covers flooding, extreme weather, fire, theft, animal contact, and vandalism. Learn more about collision vs. comprehensive car insurance.
  • Medical payments. Medical payments coverage — sometimes called MedPay — covers your medical expenses after you or your passengers are injured in a car accident.
  • Uninsured/underinsured motorist. Although New Mexico and Nevada require car insurance, not everyone has it. Uninsured motorist protects you from drivers without insurance, as well as hit-and-runs.

These coverages provide everything you need for minimum and full coverage. You technically only need liability insurance to drive in New Mexico and Nevada, but having more coverage might not be a bad idea.

Does Auto Insurance America sell add-ons?

Most insurance companies sell add-ons to increase the coverage in your policy. Auto Insurance America doesn’t have the longest list of add-ons, but it does relatively well for a small company. If you’re interested in buying additional coverage, Auto Insurance America offers the following options:

  • Towing and labor. Auto Insurance America will cover the cost of moving your vehicle to a repair shop after a covered incident. Your policy will have a cap for towing costs, so make sure to ask a representative before you request a tow.
  • Rental car reimbursement. If your car is stuck in the mechanic shop after a covered incident, Auto Insurance America will cover a rental car. The number of days Auto Insurance America covers depends on your policy.

It’s not the most all-inclusive list of car insurance add-ons, but most small companies struggle with add-on availability. Make sure that these add-ons will benefit you before you sign up since adding coverage to your policy can significantly impact your rates.

Frequently Asked Questions

What states does Auto Insurance America sell car insurance in?

Auto Insurance America is currently in two states — New Mexico and Nevada. As of yet, the company has not announced plans to expand into other states.

How much does Auto Insurance America cost?

Unfortunately, you can’t get an online quote from Auto Insurance America, so there’s no way of knowing exactly how much you’ll pay without speaking with a representative. However, Auto Insurance America promises rates as low as $29 a month on its website.

Is Auto Insurance America a good company?

It’s hard to tell how good Auto Insurance America is because there’s so little information about it online. However, Auto Insurance America does promise low rates for Nevada and New Mexico drivers.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

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...

Full Bio →

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...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent Laura Walker

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