Qualitas Car Insurance Review & Ratings (2022)

Qualitas car insurance provides three states with cross-border coverage for commercial drivers and personal auto insurance. While you can find affordable auto insurance rates through many providers, Qualitas has low financial ratings and several complaints. Learning more about your auto insurance options will help you determine if it’s the right fit for you.

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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: 4545 Murphy Canyon Rd #300
City: San Diego
State: California
ZIP Code: 92123
Phone Number: 619-876-4355
Year Founded: 1993
AM Best Rating: B+
Company Rating 0 (0 reviews)

The Rundown

  • Qualitas provides cross-border commercial and personal car insurance
  • Qualitas has a B+ rating by A.M. Best
  • Personal insurance is available in Arizona, Texas, and California

Customers considering Qualitas car insurance might wonder if it’s a good company for their needs. The company insures mainly commercial drivers that are crossing the border into Mexico.

Qualitas provides three states with cross-border commercial coverage and personal auto insurance. However, the company has lower financial ratings and more complaints than most competitors. Understanding Qualitas car insurance will help you decide if the company is the right fit for you.

Before jumping into this Qualitas car insurance review, enter your ZIP code to find free auto insurance rates in your area.

What coverages are available from Qualitas?

The Qualitas Insurance Company specializes in cross-border commercial auto insurance between the United States and Mexico. Additionally, they offer personal coverage in Arizona, California, and Texas.

The company’s largest market is cross-border commercial auto insurance. These policies are for commercial vehicles that cross the border from the United States into Mexico. The coverages provided for this type of transport include:

  • Commercial auto liability: Pays for automotive or property damages from an accident you caused.
  • Uninsured motorist bodily liability: Pays for medical bills, pain and suffering, and lost wages if you can’t work after an accident caused by an uninsured motorist.
  • Uninsured motorist property damage: Pays for repairs to vehicle damage caused by an uninsured motorist.
  • Medical payments: Pays for medical bills resulting from injuries suffered in an auto accident.
  • Personal injury protection: Pays for health costs for you and your passengers after an accident.

The Qualitas car insurance company provides the same coverages for commercial vehicles remaining in Arizona, California, and Texas.

In addition to these coverages, the company offers optional coverages that customers can add to a plan. These additional insurance options include:

  • Cargo coverage: Protects from financial loss due to damaged or lost cargo.
  • Physical damages: Covers the cost of repairing or replacing your vehicle if it’s damaged or stolen.
  • Trailer interchange: Covers physical damage for vehicles pulling trailers under a trailer interchange agreement.
  • Non-owned trailer: Covers a non-owned trailer without a written trailer interchange agreement as long as it’s attached at the time of loss.
  • General liability: Protects you and your company in claims involving bodily injuries and property damage resulting from your products, services, or operations.

Adding these optional coverages to a policy increases Qualitas car insurance quotes. In addition to commercial coverage, the company provides personal auto insurance for California-licensed vehicles in Mexico.

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What are the financial ratings for Qualitas?

Credit rating agencies regularly review and rate the best insurance companies based on financial strength. These ratings determine the company’s likelihood of financial trouble that might leave claims unpaid.

Qualitas has been rated a B+ by A.M. Best, and a BB+ by S&P. While the rating from A.M. Best is good, the S&P rating is lower on the agency’s scale. Meanwhile, Qualitas hasn’t been reviewed by other agencies, like Moody’s and Fitch.

The ratings given to Qualitas by A.M. Best and S&P show that the company is in good, but not the best, financial situation. There’s no reason to believe customers will have difficulty with claims.

Does Qualitas have any customer complaints?

The National Association of Insurance Commissioners (NAIC) reviews complaints made about auto insurance companies. The organization has reviewed Qualitas’ complaints.

At the time of this review, the NAIC lists 24 complaints about Qualitas. Most of these concerns are about the company’s liability and commercial coverages.

Additionally, the company has a complaint index ratio of 7.63 from the NAIC. This number indicates that the company has significantly more complaints than a similarly-sized competitor.

The Better Business Bureau (BBB) also allows customers to file complaints and review most auto insurance companies. However, the BBB hasn’t listed Qualitas on its website.

How do you file a Qualitas claim?

Drivers that buy Qualitas car insurance can file a claim by phone, email, or filling out a form on the company’s website. To file a claim by phone, call 844-765-6379. You can also email the company’s claims department at [email protected]

The claims form on the company’s website is located under the claims tab. The form requires the reporter’s, insured’s, and claimant’s information. The information required includes dates, locations, and vehicle specifics.

After reporting the incident, you’ll have to answer some initial questions. A claims representative will then contact you to answer your questions and schedule an inspection of the vehicle. Finally, the representative will inspect the automobile, provide an estimate for repairs, and settle the claim.

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What is the Qualitas company history?

Qualitas car insurance was founded in 2014 in San Diego, California. The company is a subsidiary of Qualitas Compania de Seguros, which has provided coverage in Mexico, El Salvador, and Costa Rica since 1993.

Qualitas Car Insurance: The Bottom Line

Qualitas car insurance provides coverage for commercial drivers crossing into Mexico and personal coverage in the southwestern United States. The company offers few policy options but coverages that many competitors lack.

Learning more about Qualitas car insurance will help you determine if it’s the right fit for you.

Now that you know about Qualitas car insurance, enter your ZIP code to get free auto insurance quotes in your area.

Frequently Asked Questions

Here are some frequently asked questions about Qualitas car insurance.

#1 – Does Qualitas Compania de Seguros own Qualitas Medical Group?

Qualitas Compania de Seguros doesn’t own Qualitas Medical Group or Qualitas Health. Qualitas Compania de Seguros only provides car insurance.

#2 – Can you get Qualitas car insurance quotes on the company website?

You have to contact Qualitas to get a quote from a representative. Rates or quotes are unavailable on the Qualitas website without contacting a representative.

#3 – Can you get Qualitas in states other than Arizona, California, and Texas?

Qualitas only provides domestic coverage for drivers in Arizona, California, and Texas. However, those traveling over the border can usually obtain coverage.

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