AssuranceAmerica Auto Insurance Review: What to Know (2024)

Headquartered in Atlanta, Georgia, AssuranceAmerica sells basic, minimum limits auto insurance policies in 10 states.

This company underwrites policies for high-risk drivers who struggle to secure coverage from traditional insurance companies.

But is AssuranceAmerica legitimate? In this AssuranceAmerica car insurance review, learn how to request a quote, read about the claims process, and compare customer and financial ratings to determine if this is the best auto insurance company for you.

What is AssuranceAmerica?

AssuranceAmerica sells minimum limits property and casualty auto insurance policies in Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia. In this case, property and casualty insurance refers specifically to the minimum auto insurance requirements in each state where the company operates.

AssuranceAmerica covers high-risk drivers, but expect increased rates if you have an unfavorable driving record.

Read More: Top Auto Insurance Companies

The auto insurance coverage options available from AssuranceAmerica include bodily injury and property damage liability auto insurance.

In addition, personal injury protection (PIP) insurance, uninsured motorist and underinsured motorist protection, as well as medical payments (MedPay) coverage are available in select states. However, there aren’t many optional policy add-ons offered by this company.

So if you’re interested in perks like roadside assistance packages or rental car reimbursement coverage, consider investigating other companies.

Unfortunately, there is no AssuranceAmerica mobile app. This company also does not offer a user portal on the company website.

However, you can pay your bill online, but a $5.50 convenience fee may apply. Other ways to pay your bill include calling the company, contacting or visiting your local agent, or mailing your payment to:

AssuranceAmerica
P.O. Box 933792
Atlanta, GA 31193-3792

For those wondering how to contact customer service for AssuranceAmerica, you can call 1-800-450-7857. Alternatively, you can email customer service at [email protected].

Read more: Alabama Auto Insurance

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How do you request AssuranceAmerica auto insurance quotes?

There are three ways to request AssuranceAmerica auto insurance quotes. You can use the quote tool on the company website, call the company directly, or locate and connect with a local independent agent near you.

For online quotes, navigate to the quote tool in the footer of the webpage. Then, select “Get a Free Quote” from the menu and complete the form with some brief information, like your ZIP code, age, and car make and model.

Understand that your original quoted rate is subject to change after finalizing your application.

You can also enter your ZIP code into the agent locator tool on the website if you prefer to work with another person. If you choose to request a quote by calling the company, the AssuranceAmerica customer service phone number is 833-808-7878.

What are the average AssuranceAmerica auto insurance rates?

AssuranceAmerica is a relatively small company, so rates are not publicly available.

However, some sources suggest that basic coverage policies from this company cost $108 per month or $1,300 annually on average.

If you request a quote, consider comparing it to the average cost of car insurance in the state where you reside.

The table below discloses the average annual auto insurance expenditures in the 10 states where AssuranceAmerica operates, according to the Insurance Information Institute (III).

Average Annual Auto Insurance Expenditures by State

Overall, your AssuranceAmerica auto insurance costs depend on your age, ZIP code, and driving record.

Because AssuranceAmerica specializes in basic minimum limits policies, you are only offered basic coverage options from this company. However, as a nonstandard insurance company, rates may be higher than average since, typically, only high-risk drivers require nonstandard coverage.

How do you file auto insurance claims with AssuranceAmerica?

To file auto insurance claims with AssuranceAmerica, you must call the company’s claims department. This appears to be the only way to submit a claim.

The company website does not have a claims center available, and there is no mobile app.

The claims department’s toll-free phone number is 1-888-580-8134. The office is open Monday through Friday from 8:00 a.m. to 5:00 p.m. (EST). But you may still submit claims at any time. A mailing address, email, and fax number are also available for claims. And you can submit relevant paperwork through any of those channels.

AssuranceAmerica does not provide information about tracking your claim once it is submitted. However, if you go through an independent agent, you can also contact them for more personalized assistance.

Unfortunately, real customers poorly rate the auto accident claims process with AssuranceAmerica. Many people mention that the adjusters are difficult to contact. And some people also complain about very slow turnaround times.

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Does AssuranceAmerica offer any auto insurance discounts?

Typically, nonstandard insurance companies like AssuranceAmerica do not offer as many savings opportunities as traditional companies, like Geico or State Farm. AssuranceAmerica does not provide information about auto insurance discounts on the website.

But this does not necessarily indicate that the company does not have any available rate reductions for consumers.

For example, if you use the online quote form, it asks if you are affiliated with the military or any warehouse clubs and also inquires about home ownership.

This implies that a homeowner, military, and group or membership discount may be available in some states.

To know exactly what rate reductions AssuranceAmerica can offer you, contact customer service or speak with one of the local independent agents.

What are the AssuranceAmerica ratings and reviews?

Analyzing an insurance company’s financial evaluations and customer ratings helps you determine if the company is reliable and efficient before committing to an actual auto insurance policy.

Unfortunately, the leading credit rating agencies have not ranked AssuranceAmerica. Without car insurance reviews from places like A.M. Best, we cannot advise you about the financial stability of this company.

Interestingly, the Better Business Bureau (BBB) no longer has a working profile page for AssuranceAmerica.

But the complaint index ratio for this company, according to the National Association of Insurance Commissioners (NAIC), is 1.27, very close to the median of 1.00. This is a good ratio and indicates that the company received approximately the same number of consumer complaints as the median.

However, most negative online reviews from real drivers mention a slow and unresponsive claims department. Some people state that repair shops struggled to contact claims adjusters as well.

Keep these AssuranceAmerica customer experiences in mind while you shop around for your best auto insurance.

What is the history of AssuranceAmerica?

Not much is known about the history of AssuranceAmerica.

According to their website, the company started selling auto insurance in 1998. Headquartered in Atlanta, Georgia, the company also has additional offices in Alabama, Florida, and Texas.

Currently, AssuranceAmerica sells auto policies in 10 states. But the website discloses that it is also licensed in an additional 13 locations, including Arkansas, Illinois, Kansas, Louisiana, Mississippi, Nevada, New Mexico, Ohio, Oklahoma, Pennsylvania, Tennessee, West Virginia, and Wisconsin.

However, auto insurance quotes are still unavailable from AssuranceAmerica in these regions.

The company may eventually provide coverage in those locations in the future.

There is a team of over 4,000 independent agents available in the 10 states where the company underwrites auto insurance policies. Bilingual agents are also available for customer convenience.

From its onset, AssuranceAmerica has focused on selling insurance that customers need at a price they can afford. To help maintain low rates even for higher-risk drivers, it primarily offers minimum-limits property and casualty auto insurance policies.

The current president of AssuranceAmerica is Joseph J. Skruck.

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AssuranceAmerica: The Bottom Line

If you’re looking for a very basic auto policy and live in one of the 10 states where AssuranceAmerica operates, consider requesting a quote from this company.

However, don’t expect many optional policy add-ons, like rental car coverage or GAP insurance.

Similarly, this company does not have an online user portal or mobile app. Instead, you must speak with an agent or company representative to make policy changes or to file and track claims. This may feel inconvenient for tech-savvy drivers who prefer purchasing and managing their policies entirely online.

Overall, it’s still worth comparing quotes from other top auto insurance companies. Due to perks, like discounts, many drivers can secure more affordable rates with broader coverage elsewhere.

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