AssuranceAmerica Auto Insurance Review: Should you buy in 2023?
AssuranceAmerica auto insurance is available to high-risk drivers who may find it challenging to get coverage elsewhere. AssuranceAmerica has an A+ rating with the BBB, but there have been some customer complaints.
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed Agent
UPDATED: Jun 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page 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: Jun 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- AssuranceAmerica offers nonstandard car insurance in several states in the U.S.
- Car insurance rates with AssuranceAmerica may be more expensive than the average rates in your state
- You can find affordable car insurance by shopping online and comparing quotes from multiple companies in your area
If you are looking for nonstandard car insurance, AssuranceAmerica may be a helpful solution. AssuranceAmerica offers car insurance to high-risk drivers in 10 states in the U.S. Insurance with AssuranceAmerica may be more expensive than you’re expecting, but most nonstandard coverage is.
AssuranceAmerica offers the coverage types and amounts you need to meet your state’s liability insurance requirements. If you need high-risk car insurance coverage, learn more about AssuranceAmerica to see if the company would work for you.
What does AssuranceAmerica offer?
AssuranceAmerica insurance company offers nonstandard car insurance to high-risk clients in 10 states in the U.S. These states include the following:
- Alabama
- Arizona
- Florida
- Georgia
- Indiana
- Missouri
- Nebraska
- South Carolina
- Texas
- Virginia
Not everyone will benefit from purchasing a high-risk car insurance policy. Still, some drivers who need a nonstandard option for coverage will find that most standard insurance companies are unwilling or unable to offer them proper insurance.
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Who needs a policy with AssuranceAmerica?
High-risk drivers will need a nonstandard car insurance policy. Typically, car insurance companies will deem you a high-risk driver for one or more of the following reasons:
- A DUI or DWI conviction
- Multiple traffic tickets
- Multiple car accidents
- A significant accumulation of points on a driver’s license
- Numerous at-fault accidents in five years
- A requirement to file an SR-22 or FR-44
As a high-risk driver, you can expect insurance companies to only offer liability coverage. Most insurers will not offer full coverage policies or additional coverage options to people who purchase a nonstandard auto insurance policy.
With AssuranceAmerica insurance, you can purchase and maintain your state’s requirements for legal coverage, but the company does not state on its website whether you can purchase collision or comprehensive coverage.
The table below shows the types and amount of coverage you need to meet each state’s requirements.
States Insurance Coverage Required Minimum Liability Limits
Alabama Bodily injury and property damage liability 25/50/25
Alaska Bodily injury and property damage liability 50/100/25
Arizona Bodily injury and property damage liability 15/30/10
Arkansas Bodily injury and property damage liability, Personal injury protection (PIP) 25/50/25
California Bodily injury and property damage liability 15/30/5
Colorado Bodily injury and property damage liability 25/50/15
Connecticut Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/20
Delaware Bodily injury and property damage liability, Personal injury protection (PIP) 25/50/10
Washington, D.C. Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/10
Florida Bodily injury and property damage liability, Personal injury protection (PIP) 10/20/10
Georgia Bodily injury and property damage liability 25/50/25
Hawaii Bodily injury and property damage liability, Personal injury protection (PIP) 20/40/10
Idaho Bodily injury and property damage liability 25/50/15
Illinois Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/20
Indiana Bodily injury and property damage liability 25/50/25
Iowa Bodily injury and property damage liability 20/40/15
Kansas Bodily injury and property damage liability, Personal injury protection (PIP) 25/50/25
Kentucky Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 25/50/25
Louisiana Bodily injury and property damage liability 15/30/25
Maine Bodily injury and property damage liability, uninsured motorist, underinsured motorist, medical payments (MedPay) 50/100/25
Maryland Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 30/60/15
Massachusetts Bodily injury and property damage liability, Personal injury protection (PIP) 20/40/5
Michigan Bodily injury and property damage liability, Personal injury protection (PIP) 20/40/10
Minnesota Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 30/60/10
Mississippi Bodily injury and property damage liability 25/50/25
Missouri Bodily injury and property damage liability, uninsured motorist 25/50/25
Montana Bodily injury and property damage liability 25/50/20
Nebraska Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/25
Nevada Bodily injury and property damage liability 25/50/20
New Hampshire Financial responsibility only 25/50/25
New Jersey Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 15/30/5
New Mexico Bodily injury and property damage liability, 25/50/10
New York Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 25/50/10
North Carolina Bodily injury and property damage liability, uninsured motorist, underinsured motorist 30/60/25
North Dakota Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 25/50/25
Ohio Bodily injury and property damage liability 25/50/25
Oklahoma Bodily injury and property damage liability 25/50/25
Oregon Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist 25/50/20
Pennsylvania Bodily injury and property damage liability, Personal injury protection (PIP) 15/30/5
Rhode Island Bodily injury and property damage liability, Personal injury protection (PIP) 25/50/25
South Carolina Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/25
South Dakota Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/25
Tennessee Bodily injury and property damage liability 25/50/15
Texas Bodily injury and property damage liability, Personal injury protection (PIP) 30/60/25
Utah Bodily injury and property damage liability, Personal injury protection (PIP) 25/65/15
Vermont Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/10
Virginia Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/20
Washington Bodily injury and property damage liability 25/50/10
West Virginia Bodily injury and property damage liability, uninsured motorist, underinsured motorist 25/50/25
Wisconsin Bodily injury and property damage liability, uninsured motorist, medical payments (MedPay) 25/50/10
Wyoming Bodily injury and property damage liability 25/50/20
Most states require bodily injury and property damage liability. Some states have additional requirements, like personal injury protection (PIP), medical payments (MedPay), and uninsured/underinsured motorist coverage.
How much is Assurance car insurance?
Assurance auto insurance rates are likely higher than your state’s average liability rates. This is because the company offers coverage to people who are high risk and are more likely to file an auto insurance claim.
You can check the table below for each state’s average annual liability rates.
State Average Annual Liability Rates
Alabama $386.50
Alaska $543.06
Arizona $503.95
Arkansas $390.31
California $479.23
Colorado $502.85
Connecticut $646.88
Delaware $787.44
District of Columbia $638.28
Florida $863.04
Georgia $525.32
Hawaii $457.31
Idaho $343.27
Illinois $439.31
Indiana $378.61
Iowa $297.57
Kansas $350.22
Kentucky $528.02
Louisiana $756.70
Maine $339.26
Maryland $610.79
Massachusetts $599.18
Michigan $764.44
Minnesota $449.46
Mississippi $448.05
Missouri $411.26
Montana $387.87
Nebraska $357.51
Nevada $667.79
New Hampshire $397.86
New Jersey $879.41
New Mexico $474.70
New York $802.82
North Carolina $360.07
North Dakota $289.69
Ohio $386.24
Oklahoma $453.84
Oregon $576.42
Pennsylvania $500.83
Rhode Island $742.37
South Carolina $518.00
South Dakota $295.77
Tennessee $407.01
Texas $518.81
Utah $485.62
Vermont $342.79
Virginia $423.40
Washington $584.89
West Virginia $500.12
Wisconsin $365.64
Wyoming $325.09
Average $531.31
If you purchase an auto insurance policy with AssuranceAmerica, you can expect to pay more than your state’s average. Still, you may have encountered one or more companies unwilling to offer you coverage because of your driving record. So, it’s a good idea to consider a policy with AssuranceAmerica if that’s the case.
You can compare rates from AssuranceAmerica with rates from other nonstandard companies to see which offers you the coverage you need in your state at a rate you can afford.
Does AssuranceAmerica offer discounts on coverage?
The company does not mention on its website whether policyholders have the option to save money with discounts. However, you can call the AssuranceAmerica phone number and speak with an agent or representative to learn more about the company’s policies and ask whether you are eligible for a discount on coverage.
Here are some typical discounts on car insurance:
- Good driver
- Safe driver
- Student driver
- Paid-in-full
- Safety features
- Good credit
- Multi-vehicle
If one of the discounts above may apply to you, you may be eligible to save as much as 20% on your auto insurance policy with certain companies.
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Does AssuranceAmerica have good ratings and reviews?
AssuranceAmerica insurance reviews do not exist with J.D. Power or A.M. Best. Because many people look to these companies to understand whether an insurance provider is a good choice for coverage, this may seem like a problem.
AssuranceAmerica has an A+ rating with the Better Business Bureau (BBB), but the website shows several customer complaints and a lack of overall customer satisfaction.
If you are considering purchasing a car insurance policy with AssuranceAmerica, read through some customer reviews online. Doing so will help you know you are making the best choice for yourself and your family.
AssuranceAmerica Car Insurance: The Bottom Line
AssuranceAmerica offers nonstandard car insurance to individuals in 10 states. Coverage will meet each state’s requirements for liability car insurance, but the cost for policies may be higher than average.
Assurance is not rated by J.D. Power or A.M. Best, and customer complaints on the BBB website suggest a lack of customer satisfaction.
Before you purchase a policy with AssuranceAmerica, you should shop online and compare quotes from multiple providers to see which company can offer you the coverage you need at an affordable price.
Frequently Asked Questions
What factors should I consider when deciding whether to purchase auto insurance from AssuranceAmerica?
When considering whether to purchase auto insurance from AssuranceAmerica, it’s important to consider several factors:
- Financial stability: Assess the company’s financial strength ratings from reputable agencies to ensure they can fulfill their financial obligations.
- Coverage options: Evaluate the range of coverage options available and if they meet your specific needs.
- Customer service: Read reviews and gather feedback from existing or previous customers to assess the company’s customer service quality and responsiveness.
- Premiums and discounts: Compare the cost of premiums and any available discounts to ensure they align with your budget and potential savings opportunities.
- Claims handling: Research the company’s reputation for handling claims efficiently and fairly, as this can greatly impact your experience during the claims process.
Are there any specific advantages or disadvantages to buying auto insurance from AssuranceAmerica?
The advantages or disadvantages of purchasing auto insurance from AssuranceAmerica can vary depending on individual experiences and circumstances. It’s crucial to gather information specific to the company and compare it to your needs. Consider factors such as coverage options, premiums, customer service, and claims handling when evaluating the potential advantages or disadvantages of any insurance provider.
Where can I find more information about AssuranceAmerica?
To find more information about AssuranceAmerica, you can visit their official website, which typically provides details about their products, coverage options, contact information, and frequently asked questions. Additionally, you can search for online reviews and ratings from customers and consult with local insurance agents who may have insights or experience working with the company.
Should I buy auto insurance from AssuranceAmerica?
The decision to purchase auto insurance from AssuranceAmerica, or any other insurance provider, should be based on thorough research, comparison of options, and personal preferences. Consider factors such as the company’s reputation, financial stability, coverage options, customer service, and premiums. It can also be beneficial to obtain quotes from multiple insurance companies to compare prices and coverage before making a decision. Ultimately, the choice should be based on finding a reliable provider that meets your insurance needs and fits within your budget.
What is AssuranceAmerica Auto Insurance?
AssuranceAmerica Auto Insurance is an insurance company that specializes in providing coverage for drivers who may have difficulty obtaining insurance due to their driving record, credit history, or other factors. They offer policies that meet state minimum requirements and optional coverage options to meet individual needs.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed 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.