AssuranceAmerica Auto Insurance Review (2023)
If you are a high-risk driver in need of non-standard car insurance coverage, consider AssuranceAmerica. AssuranceAmerica offers car insurance coverage for 10 states in the U.S. with an A+ rating with the Better Business Bureau.
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Written by
Daniel Walker |
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Reviewed by
Daniel Walker
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UPDATED: Jun 28, 2022
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- AssuranceAmerica offers non-standard car insurance to high-risk drivers in several states in the U.S.
- AssuranceAmerica’s car insurance policies focus on meeting each state’s minimum requirements for liability coverage
- Non-standard car insurance rates with AssuranceAmerica are often higher than average
If you’re searching for car insurance coverage, you may be interested in learning more about AssuranceAmerica car insurance options.
AssuranceAmerica offers auto insurance in several different U.S. states. The company focuses on issuing car insurance policies to high-risk drivers who might have a difficult time finding coverage with other car insurance companies.
What is high-risk car insurance?
High-risk car insurance is car insurance coverage for drivers who are considered more of a risk behind the wheel. Some examples of why you might need to purchase high-risk car insurance — or non-standard car insurance coverage — include:
- You’ve had multiple car accidents in the past year.
- You’ve received multiple tickets or citations in the past year.
- You have bad credit.
- You’ve been convicted of a DUI or DWI.
- You’ve had a lapse in coverage.
- You own a sports car.
- You’ve had to file an SR-22 or FR-44 with your state.
- You’re a new driver or a teen driver.
- You live in a high-risk area.
When car insurance companies consider you to be high risk, you will notice that you are expected to pay car insurance rates that are higher than average. You may also notice that you are consistently turned down for car insurance coverage.
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What is AssuranceAmerica’s car insurance coverage like?
If you are searching for non-standard coverage, you may notice that most policies you come across do not offer full coverage options. Car insurance coverage with AssuranceAmerica focuses on meeting each state’s liability requirements rather than offering exhaustive options for coverage.
AssuranceAmerica currently offers car insurance in the following states:
- Alabama
- Arizona
- Florida
- Georgia
- Indiana
- Missouri
- Nebraska
- South Carolina
- Texas
- Virginia
In each of these states, AssuranceAmerica allows clients to purchase liability-only policies that meet their state’s requirements concerning minimum coverage.
How much is car insurance with AssuranceAmerica?
Most companies that offer high-risk car insurance options charge higher rates for liability car insurance policies. While AssuranceAmerica does not offer specific quotes or car insurance coverage options on the company website, the table below shows average monthly high-risk car insurance rates in each state.
| States | Monthly High-Risk Insurance Rates |
|---|---|
| Alabama | $91 |
| Alaska | $89 |
| Arizona | $98 |
| Arkansas | $83 |
| California | $156 |
| Colorado | $107 |
| Connecticut | $120 |
| Delaware | $116 |
| District of Columbia | $87 |
| Florida | $172 |
| Georgia | $132 |
| Hawaii | $78 |
| Idaho | $51 |
| Illinois | $89 |
| Indiana | $62 |
| Iowa | $57 |
| Kansas | $74 |
| Kentucky | $80 |
| Louisiana | $166 |
| Maine | $57 |
| Maryland | $145 |
| Massachusetts | $96 |
| Michigan | $334 |
| Minnesota | $88 |
| Mississippi | $95 |
| Missouri | $84 |
| Montana | $69 |
| Nebraska | $72 |
| Nevada | $152 |
| New Hampshire | $68 |
| New Jersey | $126 |
| New Mexico | $93 |
| New York | $225 |
| North Carolina | $115 |
| North Dakota | $50 |
| Ohio | $58 |
| Oklahoma | $98 |
| Oregon | $63 |
| Pennsylvania | $77 |
| Rhode Island | $96 |
| South Carolina | $98 |
| South Dakota | $63 |
| Tennessee | $77 |
| Texas | $96 |
| Utah | $98 |
| Vermont | $67 |
| Virginia | $62 |
| Washington | $89 |
| West Virginia | $72 |
| Wisconsin | $66 |
| Wyoming | $68 |
Monthly rates for a liability-only high-risk car insurance policy may seem high, but they take into account the fact that you’re considered more of a risk behind the wheel. Before you decide to purchase a non-standard policy with any company, it’s a good idea to shop around online and compare car insurance rates from multiple companies.
Can AssuranceAmerica policyholders make claims online?
AssuranceAmerica allows clients to use their AssuranceAmerica customer login in order to make monthly car insurance payments on the company website, but the company does not currently offer the option for clients to make car insurance claims online.
In order for AssuranceAmerica policyholders to make a car insurance claim, they will need to call the AssuranceAmerica customer service phone number. By contacting the AssuranceAmerica customer service office, policyholders will be able to speak with an agent or representative who will help them file a claim and will also answer any questions they may have.
While some larger companies offer options on smart devices and mobile phones, there is no AssuranceAmerica app for clients to use in order to file a claim, check the status of a claim, or access information on their current car insurance policy.
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Does AssuranceAmerica have good reviews?
AssuranceAmerica does not have a financial strength rating with A.M. Best, but the company does have an A+ rating with the Better Business Bureau (BBB). Unfortunately, customer reviews on the BBB website are not very positive, and the company has garnered just one out of five stars when it comes to customer satisfaction.
Should I buy car insurance with AssuranceAmerica?
If you are considered a high-risk driver and are looking for a non-standard car insurance policy, AssuranceAmerica may work for you. Make sure the company is licensed to offer car insurance in your state before you take any other steps.
Before purchasing a policy with AssuranceAmerica — or with any car insurance company — you should shop around for coverage with multiple companies. Compare car insurance quotes and coverage options with different insurers to see what the differences are.
You may find that there’s a company out there that is able to offer you the same coverage for lower rates, or you may be interested in a car insurance company that has higher customer satisfaction. Take your time and do your research. This way, you’ll know you have found the best car insurance policy to meet your unique needs.