American Road Insurance Company: Customer Ratings & Reviews [2024]

Discover competitive pricing and diverse coverage options at American Road Insurance Company, where factors like coverage type, individual specifics, and available discounts shape insurance premiums.

UPDATED: Nov 30, 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: Nov 30, 2023Fact Checked

Dorothea Hudson

Insurance and Finance Writer

Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running, travel, te...

Insurance and Finance Writer

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

UPDATED: Nov 30, 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: Nov 30, 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: Nov 30, 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: Nov 30, 2023Fact Checked
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American Road Insurance Company

Average monthly rate for good drivers:

$100

A.M. Best rating:

A-

Complaint level:

Low

Pros

  • Comprehensive coverage options for various types of vehicles and properties
  • Competitive pricing for insurance premiums
  • Excellent customer service and claims process
  • Wide availability across all 50 states
  • Variety of discounts available to help customers save money on premiums

Cons

  • No online quote option available, requiring customers to contact the company directly for pricing information
  • Limited options for add-on coverage or customization of policies

Final Verdict: Review of American Road Insurance Company

American Road Insurance Company has been providing affordable and reliable insurance coverage to customers across the United States for over 50 years. With a range of coverage options, including auto, home, motorcycle, RV, and boat insurance, the company offers competitive pricing and exceptional customer service. American Road Insurance Company is recognized for its commitment to customer satisfaction, with many customers praising the company for its easy claims process and knowledgeable representatives. The company offers a variety of discounts to help customers save money on their insurance premiums and has a low level of customer complaints. However, the lack of an online quote option and limited options for add-on coverage may be a drawback for some customers.

When it comes to protecting yourself, your family, and your assets, finding the right insurance provider is crucial. American Road Insurance Company has been providing reliable coverage to customers across the country for over 50 years. With a range of insurance options available, competitive pricing, and excellent customer service, American Road Insurance Company is a top choice for those seeking comprehensive coverage. Types of Insurance Offered:
  • Auto Insurance
  • Home Insurance
  • Motorcycle Insurance
  • RV Insurance
  • Boat Insurance

What You Should Know About American Road Insurance Company

American Road Insurance Company, established over 50 years ago, is a reputable provider offering comprehensive coverage, including auto, home, motorcycle, RV, and boat insurance. With a commitment to customer satisfaction, the company emphasizes competitive pricing, exceptional customer service, and an easy claims process, earning praise from many customers.

While the lack of an online quote option and limited add-on coverage choices may be potential drawbacks, American Road Insurance Company holds an A- rating from A.M. Best, signifying financial stability.

The company encourages customers to inquire about various discounts, demonstrating a dedication to helping clients save on insurance premiums. For inquiries, customers can contact the company through their website, phone, email, or mailing address.

American Road Insurance Company Insurance Coverage Options

American Road Insurance Company offers a range of coverage options for various types of vehicles and properties. These coverage options include:

  • Auto Insurance: liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage
  • Home Insurance: dwelling, personal property, liability, and additional living expense coverage
  • Motorcycle Insurance: liability, collision, comprehensive, and accessory coverage
  • RV Insurance: liability, collision, comprehensive, and personal effects coverage
  • Boat Insurance: liability, collision, comprehensive, and on-water towing coverage

These coverage options can be customized to meet the specific needs of each customer. American Road Insurance Company also offers additional add-on coverage options for customers who want extra protection, such as roadside assistance and rental car coverage. The company emphasizes the importance of choosing the right coverage options to ensure that customers have adequate protection in the event of an accident or other covered event.

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American Road Insurance Company Insurance Rates Breakdown

Driver ProfileAmerican Road InsuranceNational Average
Clean Record$110$119
1+ Ticket$160$147
1+ Accident$210$173
DUI$260$209
Poor Credit$150$205

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

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American Road Insurance Company offers a range of coverage options, including auto, home, motorcycle, RV, and boat insurance. The overall cost of insurance is shaped by various elements, each playing a crucial role in determining premiums.

From the type and extent of coverage to individual-specific factors and available discounts, a comprehensive overview of these influences is essential for customers seeking the right coverage at competitive rates.

Factors include :

  • Type of Coverage: The chosen insurance coverage, whether it’s auto, home, motorcycle, RV, or boat insurance, influences the overall cost.
  • Extent of Coverage: Factors like liability limits and deductibles contribute to shaping the premium amount.
  • Driving History: The insured individual’s driving record, including accidents and traffic violations, affects the insurance premium.
  • Vehicle Details: The type, make, model, and usage frequency of the insured vehicle play a role in determining insurance rates.
  • Home Characteristics: For home insurance, factors such as the location, characteristics of the home, and coverage limits impact the cost.
  • Customer-Specific Elements: Individual factors like credit history and age may be considered in the calculation of premiums.
  • Discounts: Various discounts, including those for safe driving, policy bundling, and loyalty, can offset costs and contribute to potential savings.

Customers should consider these factors when obtaining a quote and discuss available discounts to ensure accurate and competitive premium rates based on their unique circumstances.

American Road Insurance Company Discounts Available

DiscountAmerican Road
Anti Theft9%
Good Student22%
Low Mileage35%
Paperless12%
Safe Driver28%
Senior Driver18%

American Road Insurance Company offers a variety of discounts to help customers save money on their insurance premiums. These discounts include:

  • Safe Driver Discount: for drivers who have maintained a clean driving record for a certain number of years
  • Multi-Vehicle Discount: for customers who insure more than one vehicle with American Road Insurance Company
  • Homeowner Discount: for customers who own their home or condo
  • Paid-in-Full Discount: for customers who pay their annual premium in full upfront
  • Anti-Theft Device Discount: for customers who install anti-theft devices in their vehicles
  • Good Student Discount: for students who maintain a certain grade point average
  • Military Discount: for active-duty military members and veterans
  • Senior Discount: for drivers over a certain age (varies by state)

These discounts can add up to significant savings on insurance premiums, and American Road Insurance Company encourages customers to inquire about all available discounts when purchasing or renewing their policies.

How American Road Insurance Company Ranks Among Providers

American Road Insurance Company’s main competitors are likely to include the following companies:

  • Allstate: Allstate is one of the largest insurance providers in the United States, offering a variety of insurance products including auto, home, life, and renters insurance. The company has been in business for over 85 years and is known for its strong financial ratings and broad range of coverage options.
  • State Farm: State Farm is another major insurance provider in the United States, offering auto, home, life, and health insurance, as well as banking and financial services. The company has been in business for nearly 100 years and is known for its extensive agent network and strong customer service.
  • GEICO: GEICO is a well-known insurance provider that offers auto, home, renters, and pet insurance, among other products. The company is known for its catchy advertising campaigns and competitive pricing, as well as its user-friendly website and mobile app.
  • Progressive: Progressive is a leading insurance provider that offers auto, home, renters, and commercial insurance, as well as various other products and services. The company is known for its strong online presence and innovative technology, as well as its range of discounts and coverage options.
  • Nationwide: Nationwide is a major insurance provider that offers auto, home, renters, and life insurance, as well as banking and financial services. The company has been in business for over 90 years and is known for its flexible coverage options and strong customer service.

Each of these companies has a strong reputation in the insurance industry and offers a variety of products and services that compete with those of American Road Insurance Company. While pricing and coverage options may differ between companies, customers often consider factors such as financial ratings, customer service, and online tools and resources when choosing an insurance provider.

Frequently Asked Questions

How do I file a claim with American Road Insurance Company?

You can file a claim by calling the company’s claims department directly or by filing a claim online.

Does American Road Insurance Company offer roadside assistance?

Yes, roadside assistance is available as an add-on to certain insurance policies.

How do I qualify for discounts on my insurance premiums?

Qualifications for discounts vary by policy and state. Contact American Road Insurance Company directly to learn more about available discounts and how to qualify for them.

Is American Road Insurance Company a good choice?

American Road Insurance Company has been in business for over 50 years, with an A- rating from A.M. Best. While specific customer service ratings are not provided, customers appreciate its commitment to satisfaction. However, it lacks an online quote option and has limited add-on coverage options.

Does American Road Insurance Company have a mobile app?

The availability of a mobile app is not mentioned on the website. Contact the company directly for the most up-to-date information on mobile app availability.

How can I contact American Road Insurance Company?

You can contact American Road Insurance Company through their website, phone (1-800-444-5252), email ([email protected]), or by mailing address (P.O. Box 45505, Jacksonville, FL 32232).

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Dorothea Hudson

Insurance and Finance Writer

Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running, travel, te...

Insurance and Finance Writer

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

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.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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