AssuranceAmerica Auto Insurance

Key Points:

• AssuranceAmerica auto insurance is available in Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia.
• The provider holds an A+ rating from the Better Business Bureau (BBB).
• Unlike many top auto insurers, AssuranceAmerica does not have a mobile app.

Finding car insurance coverage at a reasonable rate can be difficult if you are labeled a high-risk or non-standard driver by insurance companies. AssuranceAmerica specializes in non-standard auto insurance and promises customers coverage at an affordable rate. Our review will look into AssuranceAmerica’s offerings, discounts, customer service ratings, and more.

Drivers are usually considered non-standard by companies if they have a history of multiple accidents or moving violations, poor credit, gaps in insurance coverage, or little driving experience. If you are car insurance shopping, we recommend starting your search with the best car insurance companies.

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AssuranceAmerica Insurance Overview

AssuranceAmerica was founded in 1998 and is headquartered in Atlanta, Georgia, with offices in Tampa, Florida, and Dallas, Texas. The company specializes in non-standard auto insurance coverage and is licensed and active in 10 states: Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia. Its policies are primarily sold online and through thousands of independent agents.

AssuranceAmerica subsidiaries include AssuranceAmerica Insurance Company, AssuranceAmerica Managing General Agency, Trustway Insurance, and InsureMax Insurance Company.

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AssuranceAmerica Auto Insurance Coverage

AssuranceAmerica has sample auto policy contracts on its website for each of the states it services. While the company offers all of the standard types of auto insurance coverages listed below, some may be available only in certain states. We recommend looking through your state-specific policy document or calling AssuranceAmerica auto customer service for more information. Below are the standard coverages offered:

• Liability coverage: Includes bodily injury and property damage.
• Personal Injury Protection (PIP): Pays for medical and funeral expenses up to a limit for you and your passengers in the event of an accident.
• Uninsured/underinsured motorist coverage: Pays for injuries to you and your passengers as well as damages to your car if you are hit by a person with no or inadequate insurance.
• Medical payments: Pays for medical and funeral expenses up to a limit for you and your passengers if the injuries were caused by an accident.
• Collision: Pays for damages to your car in a collision with another car or an object and will be subject to a deductible.
• Comprehensive: Pays for damages to your car or loss due to falling objects, fire, theft, vandalism, extreme weather, etc., and will be subject to a deductible.
• Accidental death and dismemberment coverage: Pays the stated benefits if a named insured person in the policy sustains death, dismemberment, or loss of sight in a covered event.

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AssuranceAmerica Insurance Cost And Discounts

The cost of an AssuranceAmerica Insurance premium can depend on a few factors, such as:

• Age, gender, and marital status
• Credit score
• Driving record
• Vehicle age, make, and model
• Location

Based on rate estimates from Quadrant Information Services, the national average annual rate for car insurance is $1,968. This estimate is based on the profile of a 30-year-old single male with good credit and a clean driving record who owns a 2020 Honda CR-V. If you’re a young driver, have poor credit, or have speeding tickets and/or DUIs, it can increase the cost of your insurance premium tremendously.

AssuranceAmerica Insurance Quotes

AssuranceAmerica partners with Trustway Insurance for its online quotes and policy purchase. You will need to provide standard details such as your name, age, marital status, ZIP code, driving habits, the year, make, and model of your vehicle, and driving record to generate a personalized free quote.

AssuranceAmerica Insurance Discounts

Many drivers rely on auto insurance discounts for lower premiums. Based on our research and the online quotes process, we were able to determine that AssuranceAmerica offers the following types of insurance discounts on car policies:

• Homeowners discount: For owning a home.
• Current/prior insurance discount: For continuous insurance coverage in the preceding six months.
• Warehouse club membership discount: For members of Costco, Sam’s Club, and BJ’s.
• Multi-car discount: For insuring all vehicles under the same AssuranceAmerica policy.
• Military discount: For active members of the U.S. military.
• Direct repair discount: On comprehensive and collision premiums if you agree to perform any covered repairs at an approved direct repair program facility.
• Recurring Electronic Funds Transfer (EFT) discount: For signing up for automatic payments at the time of buying the policy.

Payment Options

AssuranceAmerica accepts online bill payments. You also have the flexibility to pay your premium directly to an agent over the phone or via mail. The AssuranceAmerica website has a tool to help you find the nearest AssuranceAmerica agent.

In some states, AssuranceAmerica doesn’t have a grace period for paying renewal premiums, and your policy will be renewed only if you make the payment before the expiration date. In some states AssuranceAmerica car insurance policyholders may have a grace period of seven days. Check your policy documents or talk to your agent to get the correct information for your state.

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AssuranceAmerica Insurance Ratings And Reviews

AssuranceAmerica has an A+ rating from the BBB and is not accredited with the organization. There are only a few dozen customer reviews for AssuranceAmerica car insurance on the BBB website. The company has closed 76 complaints on the BBB in the last three years, out of which 26 were closed in the last 12 months.

Yelp lists 57 AssuranceAmerica reviews and an average rating of 1.1 out of 5.0 stars. Most of the reviews on Yelp were submitted by people who were in an accident with an AssuranceAmerica policyholder.

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AssuranceAmerica Auto Insurance: Our Take

If you are a non-standard driver with bad credit, a history of accidents, moving violations, and live in any of the 10 states serviced by AssuranceAmerica, you might consider getting a quote from this company. It has all the standard insurance coverages and sells policies both online and through agents.

However, AssuranceAmerica doesn’t offer ridesharing coverage or GAP coverage, nor does it have a mobile app, which can be handy if you want to manage your policies from your phone. All things considered, our team gives AssuranceAmerica an overall rating of 3.7 out of 5.0 stars. 

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Our Recommendations For Car Insurance

Since it is always a good idea to get multiple quotes before you purchase insurance, we recommend looking at bigger, mainstream insurance companies such as Geico and Progressive for your insurance needs. Both of these companies were rated highly in our 2024 best car insurance companies review for having a wide range of coverage options, excellent financial stability, and affordable rates.

Geico: Best For Basic Coverage

Geico auto insurance has some of the cheapest insurance rates for all customers while also offering a wide range of coverage options to suit most needs. Its customer service reputation is pretty good, and it has excellent financial stability as evidenced by its A++ Superior rating from AM Best and A+ rating from the BBB. You can also qualify for additional discounts by taking a defensive driving course, getting good grades, by having an anti-theft device installed in your car, and so on.

Read more in our full review of Geico insurance.

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Progressive: Best For Usage-Based Insurance

Progressive car insurance is another great option for drivers looking for affordable and reliable auto insurance coverage. The company has an A+ financial strength rating from AM Best, good customer service, and most importantly, for cost-conscious customers, a wide range of discounts. The company’s usage-based program, Snapshot®, can also help lower premiums. While your final rate may depend on a number of factors, Progressive tends to be among the most affordable providers, even if you have a DUI/DWI on record.

Read more in our full review of Progressive insurance.

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AssuranceAmerica Insurance Review: FAQ

Below are some frequently asked questions about AssuranceAmerica.

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How We Rate AssuranceAmerica

Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:

• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
• Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
• Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
• Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.

*Data accurate at time of publication.

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