AssuranceAmerica Auto Insurance Review

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.

UPDATED: Jul 19, 2022Fact Checked

Compare Quotes Now

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by Sara Routhier
Director of Outreach Sara Routhier

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.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jul 19, 2022

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 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.

A Concise Overview

  • 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.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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.

Minimum Liability Auto Insurance Coverage Requirements by State
StatesInsurance Coverage Required Minimum Liability Limits
AlabamaBodily injury and property damage liability25/50/25
AlaskaBodily injury and property damage liability50/100/25
ArizonaBodily injury and property damage liability15/30/10
ArkansasBodily injury and property damage liability, Personal injury protection (PIP)25/50/25
CaliforniaBodily injury and property damage liability15/30/5
ColoradoBodily injury and property damage liability25/50/15
ConnecticutBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/20
DelawareBodily injury and property damage liability, Personal injury protection (PIP)25/50/10
Washington, D.C.Bodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/10
FloridaBodily injury and property damage liability, Personal injury protection (PIP)10/20/10
GeorgiaBodily injury and property damage liability25/50/25
HawaiiBodily injury and property damage liability, Personal injury protection (PIP)20/40/10
IdahoBodily injury and property damage liability25/50/15
IllinoisBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/20
IndianaBodily injury and property damage liability25/50/25
IowaBodily injury and property damage liability20/40/15
KansasBodily injury and property damage liability, Personal injury protection (PIP)25/50/25
KentuckyBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist25/50/25
LouisianaBodily injury and property damage liability15/30/25
MaineBodily injury and property damage liability, uninsured motorist, underinsured motorist, medical payments (MedPay)50/100/25
MarylandBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist30/60/15
MassachusettsBodily injury and property damage liability, Personal injury protection (PIP)20/40/5
MichiganBodily injury and property damage liability, Personal injury protection (PIP)20/40/10
MinnesotaBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist30/60/10
MississippiBodily injury and property damage liability25/50/25
MissouriBodily injury and property damage liability, uninsured motorist25/50/25
MontanaBodily injury and property damage liability25/50/20
NebraskaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/25
NevadaBodily injury and property damage liability25/50/20
New HampshireFinancial responsibility only25/50/25
New JerseyBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist15/30/5
New MexicoBodily injury and property damage liability,25/50/10
New YorkBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist25/50/10
North CarolinaBodily injury and property damage liability, uninsured motorist, underinsured motorist30/60/25
North DakotaBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist25/50/25
OhioBodily injury and property damage liability25/50/25
OklahomaBodily injury and property damage liability25/50/25
OregonBodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist25/50/20
PennsylvaniaBodily injury and property damage liability, Personal injury protection (PIP)15/30/5
Rhode IslandBodily injury and property damage liability, Personal injury protection (PIP) 25/50/25
South CarolinaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/25
South DakotaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/25
TennesseeBodily injury and property damage liability25/50/15
TexasBodily injury and property damage liability, Personal injury protection (PIP)30/60/25
UtahBodily injury and property damage liability, Personal injury protection (PIP)25/65/15
VermontBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/10
VirginiaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/20
WashingtonBodily injury and property damage liability25/50/10
West VirginiaBodily injury and property damage liability, uninsured motorist, underinsured motorist25/50/25
WisconsinBodily injury and property damage liability, uninsured motorist, medical payments (MedPay)25/50/10
WyomingBodily injury and property damage liability25/50/20
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Average Annual Liability Rates
StateAverage 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
Get Your Rates Quote Now

Compare RatesStart Now →

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:

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.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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.

Compare Quotes Now

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

stage