AssuranceAmerica sells simple policies that may appeal to high-risk drivers who might have difficulties finding coverage with regular insurers. The company also offers SR-22 forms for those who are required to have them by their state. If you fit in this category or have earned past infractions, such as a DUI-DWI, and are in the company's 10-state service area, you may want to consider AssuranceAmerica.
AssuranceAmerica sells its policies through a network of independent agents, which can help you get the best price and options since they can compare rates and offerings across more than one insurer. There's little information about available endorsements or potential discounts on the AssuranceAmerica website, but it does offer you the ability to obtain an online quote for your coverage. If you are looking for a full-service company with robust coverage options and a transparent website, AssuranceAmerica may not be the best option for you.
Pros and cons of AssuranceAmerica car insurance
Before you sign up for a policy with AssuranceAmerica or any provider for car insurance, it’s important to consider some of the potential pros and cons.
When it comes to finding the best car insurance, exploring different carriers and requesting car insurance quotes will be integral to understanding which one meets your needs. If you’re not sure about AssuranceAmerica, Bankrate found a list of comparable insurance providers.
AssuranceAmerica vs. Geico
Geico offers some of the cheapest average rates in the country for drivers with blemishes on their driving records as well as those with clean driving records. It also has a long list of potential car insurance discounts that could help reduce your premium. It doesn’t offer a lot of endorsement opportunities, but if you’re on a budget and want the basics, Geico offers strong customer satisfaction scores from J.D. Power and a high rating for financial strength from AM Best.
Geico standout features:
- DriveEasy telematics program
- Strong digital tools
- Long list of potential discounts
AssuranceAmerica vs. Erie
If you want to bundle cheap home and auto insurance, Erie might be worth a look. It is considered a regional carrier, but it is offered in more states than AssuranceAmerica. It also offers RateLock, which can help keep your premiums stable over time unless you make changes to your policy.
Erie standout features:
- Erie Rate Lock to stabilize rates
- Pet insurance available
- Numerous discounts available
AssuranceAmerica vs. Travelers
Unlike AssuranceAmerica, Travelers has a long list of optional car insurance add-ons for drivers who want to personalize their policies. Based on Bankrate’s study of average premiums, Travelers may also be relatively affordable for both home and auto insurance compared to the national average.
Travelers standout features:
- Local agencies available
- Numerous potential discounts
- Robust coverage options
AssuranceAmerica was founded in 1998 and now operates with a vast network of independent agents across 10 states. Although its insurance offerings are limited both in options and location, it works with drivers who may otherwise have a hard time securing insurance.
AssuranceAmerica focuses on drivers who are considered high-risk or who simply want to obtain the minimum amount of car insurance to drive legally. The carrier also places a strong emphasis on the customer and agent relationship. As a result, this insurer offers limited capabilities in its mobile app and online, but does keep extended hours for customer support. It does not, however, offer 24/7 customer service hours. If working with a local agent and maintaining the minimum amount of coverage are what you are looking for with an insurance company, you may want to consider getting a quote from AssuranceAmerica.
What are real-life customers saying about AssuranceAmerica?
While third-party ratings can be great ways to get the general gist of an insurance company, it also helps to go directly to the source: real-life AssuranceAmerica customers. To find them, Bankrate’s insurance experts looked to Reddit, an online discussion forum.
A couple of AssuranceAmerica policyholders voiced complaints about the company’s claims-handling process. Multiple users claimed that the process was slow and that payouts for damage were less than expected.
AssuranceAmerica company details
- Customer service: 1-800-450-7857, from Monday through Friday, 8 a.m. to 7 p.m., ET and Saturday, 9 a.m. to 5:30 p.m., ET
- Customer service email: customer_service@aainsco.com
- Claims: 1-888-580-8134, from Monday through Friday 8 a.m. to 5 p.m., ET, although claims can be reported 24/7
State availability
AssuranceAmerica writes car insurance policies in 10 states: AL, AZ, FL, GA, IN, MO, NE, SC, TX and VA.
AssuranceAmerica tools and benefits
AssuranceAmerica also sells renters insurance but does not offer other types of insurance. The company's website does not list any other tools or benefits.