American Risk Insurance Company, Inc.: Customer Ratings & Reviews [2024]

Discover American Risk Insurance Company, Inc., an A-rated provider offering competitive rates and exceptional customer service for comprehensive auto, home, commercial, and specialty insurance coverage.

UPDATED: Dec 9, 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 provider and cannot guarantee quotes from any single provider.

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

UPDATED: Dec 9, 2023Fact Checked

Laura Kuhl

Insurance Content Team Lead

Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business ...

Insurance Content Team Lead

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Dec 9, 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 provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Dec 9, 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 provider and cannot guarantee quotes from any single provider.

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

UPDATED: Dec 9, 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 provider and cannot guarantee quotes from any single provider.

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

UPDATED: Dec 9, 2023Fact Checked
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American Risk Insurance Company, Inc.

Average monthly rate for good drivers:

$115

A.M. Best rating:

A- (Excellent)

Complaint level:

Low

Pros

  • Competitive rates
  • Wide range of insurance products and services
  • Flexible payment options
  • Personalized insurance solutions
  • Exceptional customer service
  • Good discounts available

Cons

  • Limited coverage area (11 states only)
  • Concerns about claims process and customer service responsiveness

Final Verdict: Review of American Risk Insurance Company, Inc.

American Risk Insurance Company, Inc. is an A-rated insurance provider offering a wide range of insurance products and services, including auto, home, commercial, and specialty insurance. With competitive rates, flexible payment options, and personalized insurance solutions, the company provides exceptional customer service and good discounts to its customers. However, the coverage area is limited to only 11 states, and some concerns have been raised about the claims process and customer service responsiveness. Overall, American Risk Insurance Company, Inc. is a reputable insurance provider with a strong history and mission to provide quality insurance solutions to its customers.

American Risk Insurance Company, Inc. has been providing top-notch insurance services for years. The company has a strong focus on customer satisfaction and offers a wide range of insurance products to meet the needs of individuals, families, and businesses. Whether you're looking for property insurance, casualty insurance, or liability insurance, American Risk Insurance Company, Inc. has got you covered. In this review, we'll take a closer look at the company's history, mission, products and services, discounts, and customer reviews to help you make an informed decision. Types of Insurance Offered:
  • Property Insurance
  • Casualty Insurance
  • Liability Insurance

What You Should Know About American Risk Insurance

American Risk Insurance Company, Inc. with a focus on comprehensive coverage, the company caters to diverse insurance needs, including Auto, Home, Business, and specialty options. Customer reviews, authored by Laura Kuhl and Dani Best, provide insights into the team’s expertise.

While the company holds an A-rating and offers competitive rates with various discounts, potential customers should be aware of the limited coverage area spanning 11 states and occasional concerns regarding the claims process and customer service responsiveness. The company positions itself as a transparent and customer-centric insurance provider, emphasizing quality solutions and financial stability with an A.M. Best rating.

American Risk Insurance Coverage Options

American Risk Insurance Company, Inc. offers a range of insurance products and services to its customers. The coverage options available depend on the type of insurance and the state where you reside. Some of the coverage options offered by the company include:

Auto Insurance:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Personal injury protection (PIP)
  • Uninsured/underinsured motorist coverage
  • Roadside assistance

Home Insurance:

  • Dwelling coverage
  • Personal property coverage
  • Liability coverage
  • Loss of use coverage
  • Other structures coverage
  • Personal injury coverage

Commercial Insurance:

  • Business owner’s policy (BOP)
  • General liability insurance
  • Commercial property insurance
  • Workers’ compensation insurance
  • Professional liability insurance
  • Commercial auto insurance

Specialty Insurance:

  • Motorcycle insurance
  • Watercraft insurance
  • Recreational vehicle (RV) insurance
  • Flood insurance
  • Umbrella insurance

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American Risk Insurance Rates Breakdown

Driver ProfileAmerican RiskNational Average
Clean Record$120$119
1+ Ticket$170$147
1+ Accident$220$173
DUI$270$209
Poor Credit$206$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver


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When exploring insurance rates, it’s essential to recognize that costs can fluctuate based on specific factors. As you consider coverage options, American Risk Insurance Company, Inc. emphasizes a personalized approach, taking into account your driving history, vehicle details, location, credit history, and demographic factors, all of which contribute to the overall determination of your insurance premium.

rates can vary based on several factors, including:

  • Coverage Type: The type and amount of coverage you choose will impact your insurance premium.
  • Driving Record: Your driving history, including any accidents or traffic violations, can affect your rates.
  • Vehicle Type: The make, model, and year of your vehicle can influence the cost of insurance.
  • Location: Where you live and where you primarily drive can affect your rates.
  • Credit History: In some cases, your credit history may be considered when determining insurance rates.
  • Age and Gender: Younger drivers and male drivers, statistically, may have higher insurance rates.
  • Discounts: Companies often offer discounts for various factors, such as bundling policies, safe driving, or multiple vehicles.

American Risk Insurance Discounts Available

DiscountAmerican Risk
Anti Theft7%
Good Student20%
Low Mileage30%
Paperless11%
Safe Driver25%
Senior Driver16%

American Risk Insurance Company, Inc. offers several discounts to its customers, which can help reduce the overall cost of insurance premiums. Some of the discounts available include:

  • Multi-policy discount: Save up to 25% on your premium when you bundle your auto and home insurance policies.
  • Safe driver discount: Save up to 15% on your premium if you have a clean driving record for a certain period.
  • Good student discount: Save up to 10% on your premium if you maintain a certain GPA and meet other eligibility requirements.
  • Home ownership discount: Save up to 15% on your premium if you own your home.
  • Anti-theft device discount: Save up to 10% on your premium if your car is equipped with an anti-theft device.
  • Paid in full discount: Save up to 5% on your premium if you pay your premium in full upfront.
  • EFT discount: Save up to 5% on your premium if you set up automatic payments through electronic funds transfer (EFT).
  • Paperless discount: Save up to 5% on your premium if you opt for paperless billing and communication.

How American Risk Insurance Ranks Among Providers

While American Risk Insurance Company, Inc. is a prominent insurance provider in several states, it also has several competitors in the insurance industry. Here are some of the company’s main competitors:

  • State Farm: State Farm is a large insurance company that offers a wide range of insurance products and services to its customers. The company has a strong presence in the auto and home insurance markets and is known for its competitive rates and excellent customer service.
  • Allstate: Allstate is another major insurance company that provides auto, home, and life insurance products and services. The company is known for its customizable coverage options and its user-friendly website and mobile app.
  • Nationwide: Nationwide is a mutual insurance company that offers a range of insurance products and services, including auto, home, and business insurance. The company is known for its flexible coverage options and its extensive network of agents.
  • Progressive: Progressive is a large insurance provider that specializes in auto insurance. The company offers a range of coverage options, including liability, collision, and comprehensive coverage, and is known for its competitive rates and innovative products.
  • Geico: Geico is a popular insurance company that provides auto, home, and renters insurance products and services. The company is known for its catchy advertising campaigns and its user-friendly website and mobile app.

Frequently Asked Questions

How do I file a claim with American Risk Insurance Company, Inc.?

You can file a claim by calling American Risk Insurance Company, Inc.’s claims department or by submitting a claim online through the company’s website.

What types of payment options does American Risk Insurance Company, Inc. offer?

American Risk Insurance Company, Inc. offers a variety of payment options, including online payments, automatic payments, and payments by phone or mail.

What is American Risk Insurance Company, Inc.’s cancellation policy?

American Risk Insurance Company, Inc. allows customers to cancel their policies at any time. However, certain fees and charges may apply depending on the specific terms of your policy.

Does American Risk Insurance offer roadside assistance?

Yes, American Risk Insurance provides roadside assistance as part of their auto insurance coverage.

Does American Risk Insurance have mobile apps?

There is no specific information available about mobile apps provided by American Risk Insurance at this time.

How can I contact American Risk Insurance?

You can contact American Risk Insurance through their website, phone (1-800-256-2171), email ([email protected]), or mailing address (P.O. Box 45126, Jacksonville, FL 32232-5126).

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Laura Kuhl

Insurance Content Team Lead

Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business ...

Insurance Content Team Lead

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

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

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