AssuranceAmerica Auto Insurance Review: Should you buy in 2023?

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.

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.

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.

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