Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jan 18, 2022

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Company Details
President: David Mandel
Address: 5300 Adolfo Road
City: Camarillo
State: California
ZIP Code: 93012
Phone Number: 1-866-530-5500
Toll Free: No Toll Free Number Known
Year Founded: 2004
AM Best Rating: A
Company Rating 0 (0 reviews)

The Lowdown

  • Alliance United focuses on coverage for high-risk drivers
  • Alliance United only provides standard auto coverages
  • A.M. Best has given Alliance United an A rating

Alliance United provides auto insurance for high-risk drivers. While full coverage rates are higher than most competitors, the company’s minimum coverage rates are cheaper than popular competitors.

Discovering more about Alliance United will help you determine if the company is a good fit.

Before starting this Alliance United review, enter your ZIP code to get free car insurance quotes in your area.

What are the average rates from Alliance United?

Car insurance companies use various factors to determine the risk of applicants, and riskier drivers experience higher rates. Alliance United focuses on these high-risk drivers that might find it more difficult to obtain coverage from other companies.

Each state requires that drivers carry a minimum amount of coverage to operate a vehicle legally. Currently, Alliance United only provides coverage for drivers in California, where the requirement is 15/30/5.

Comparing affordable Alliance United auto insurance rates with other companies will help you determine if it’s a cost-effective option. The following chart shows the annual average full coverage and minimum coverage rates of Alliance United and other auto insurance companies in California.

Alliance United Average Annual Full Coverage and Minimum Coverage Auto Insurance Rates vs. Other Companies in California

CompanyAverage Annual Full Coverage RatesAverage Annual Minimum Coverage Rate
AAA$1.948$672
Alliance United$2,359$595
Allstate$1,896$705
American Family$1.218$542
Farmers$1,540$587
GEICO$1,260$416
Nationwide$1,533$566
Progressive$1,910$769
State Farm$1,681$681
Travelers$1.769$752
USAA$1,484$539
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As you can see, Alliance United has higher full coverage rates than most competitors. However, the company’s minimum coverage rates are lower than many competitors. Therefore, most customers will see more affordable rates when purchasing minimum coverage.

In addition to comparing the average rates of Alliance United with other companies, high-risk drivers should know how much coverage comes with certain violations. The following chart shows the average annual Alliance United rates by driving record.

Alliance United Auto Insurance Rates by Driving Record

Clean RecordOne AccidentOne Speeding Ticket
$2,359 $4,510$3,073
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This chart shows that drivers with a clean record will receive the lowest rates, and that a speeding ticket increases rates less than one accident.

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What coverages are offered by Alliance United?

Car insurance companies sell coverages individually, allowing customers to customize their policy to their needs. The minimum coverage is limited to liability, but adding more options protects drivers should they get into an accident.

Including each of the standard options is known as full coverage. Many lenders require that you carry full coverage until you pay off your car. While you can reduce your coverage after paying off your vehicle, maintaining full coverage will ensure you’re protected if you get into an accident.

When considering auto insurance companies, it’s essential to know what type of coverages they offer. The following chart shows the options provided by Alliance United.

Alliance United Auto Insurance Coverages

Auto Insurance TypesPurpose of Coverage
Bodily injury liabilityPays for medical bills if someone else suffers an injury in an accident caused by you.
CollisionCovers damage to your car after an accident.
ComprehensiveCovers damage to your car when you’re not driving.
Property damage liabilityLiability coverage that covers the cost of any property damage you’ve caused in an accident.
Uninsured/underinsured motoristCovers the costs if you’re in an accident caused by a driver with little or no car insurance.
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Alliance United offers most of the standard coverages you’ll find with competitors. However, the company lacks personal injury protection and medical payments. The company also doesn’t have additional optional coverages like many other providers.

Currently, Alliance United only provides auto insurance. However, those looking for other types of insurance can purchase coverage from its parent company, the Kemper Corporation. In addition to auto insurance, Kemper provides property, business, health, and life insurance.

What discounts are offered by Alliance United?

As previously mentioned, Alliance United focuses on high-risk drivers who typically experience the highest rates. Insurance companies provide various discounts that customers can use to lower their rates.

Combining multiple discounts allows high-risk drivers to lower their rates to a more reasonable level. The following table shows the Alliance United auto insurance company discounts.

Alliance United Auto Insurance Discounts

Auto DiscountAuto Discount Description
Multi-car/multi-driverA discount for each vehicle on the multi-car/multi-driver policy, as long as all the vehicles are one the same policy and garaged at the same address.
Good driverA 20% discount for drivers who have been licensed for the past three years and don't have more than one DMV violation point and/or one at-fault accident during that time.
RenewalA discount is automatically applied to renewed policies that qualify.
Mature driverFor customers aged 55 and older who have completed an approved driver-improvement course in three years.
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Before buying coverage, asking a representative about discount options will allow you to get the most accurate Alliance United auto insurance quotes.

What are the financial ratings of Alliance United?

Credit rating agencies review and rate the financial strength of insurance companies. These ratings indicate the company’s ability to provide a payout when customers file a claim.

Alliance United has been rated an A by A.M. Best, the most well-known credit rating agency. This rating isn’t the highest on the agency’s scale but is described as excellent and indicates that Alliance United will provide a payout whenever customers file a claim.

The Better Business Bureau (BBB) also rates insurance companies on their business practices. Alliance United has received an A+ rating from the BBB, indicating that the company is transparent and trustworthy when dealing with customers.

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Does Alliance United have many complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow customers to list complaints about insurance companies on their websites. The NAIC also compares the number of complaints with similarly-sized companies.

At the time of this review, the BBB has received 435 complaints about Alliance United over the past three years. The majority of these complaints are about the company’s services. Other complaints are about billing, sales, and delivery.

The NAIC says that Alliance United has 498 complaints and a complaint index ratio of 27.72. These numbers indicate that the company has far more complaints than companies of a similar size.

While Alliance United has more complaints than most competitors, reading through these individual problems will allow you to determine if the number should be a concern.

How can you purchase an Alliance United policy?

Currently, customers can’t buy Alliance United auto insurance or receive a quote directly from the company. Instead, the company directs customers to purchase coverage from an insurance broker, of which the company works with over 900.

How can you make Alliance United claims?

Alliance United allows customers to file claims online or by phone. Policyholders who prefer to file a claim online can use their Alliance United Insurance login on the Alliance United or Kemper Corporation websites.

Customers can file a claim over the phone by calling Alliance United Insurance customer service at 1-800-508-5833. Representatives of the company’s claims department are available seven days a week between 7:00 a.m. and 8:00 p.m. (PST).

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How can you make policy payments with Alliance United?

Alliance United allows customers to make payments by electronic funds transfer or mail. Customers that prefer to make payment online can do so in multiple ways, including:

  • Checking account withdrawal
  • Savings account withdrawal
  • Credit card
  • Debit card

Customers can also make payments to Alliance United by sending money through MoneyGram or the mail. Those that prefer to make payments by mail can send a check, money order, or cashier’s check to the following address.

P.O. Box 660420
Dallas, TX
75266-0420

The best way to make an Alliance United payment depends on the customer’s personal preference. Customers also can make payments monthly or pay in full at the time of renewal.

What is the Alliance United company history?

Alliance United was founded in 2004 to supply high-risk drivers with affordable auto insurance. The company is based in Camarillo, California, and still maintains a strong presence in the southern part of the state.

The company continued as an independent company until 2015, when the Kemper Corporation purchased it. Today, the company is a subsidiary of the larger company, and Kemper Alliance United provides auto insurance to Southern California drivers.

Alliance United: The Bottom Line

Alliance United provides auto insurance to high-risk drivers throughout Southern California. The company has competitive rates for those with minimum coverage but has higher rates for full coverage. Additionally, the company is rated highly by A.M. Best.

Learning more about Alliance United will help you decide if the company is a good fit for your car insurance needs.

Now that you know about Alliance United, enter your ZIP code to find free auto insurance rates in your area.

Alliance United Auto Insurance Review [2022] Additional Information

Alliance United Auto Insurance Review [2022] is a company that was incorporated in 2004. Alliance United Auto Insurance Review [2022] is a insurance company and has assets of , capital of $, and net surplus of $.

The president of Alliance United Auto Insurance Review [2022] is David Mandel, the treasurer is , and the secretary is . Alliance United Auto Insurance Review [2022] insurance plans include
.

Alliance United Auto Insurance Review [2022] is located in Camarillo, California and the phone number for Alliance United Auto Insurance Review [2022] claims, customer, service, and additional information is 1-866-530-5500.

Alliance United Auto Insurance Review [2022] Insurance Quotes

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