AssuranceAmerica's goal is to provide affordable insurance coverage. Customers who need an SR-22 form or who are considered high-risk, such as those with prior DUI/DWI convictions or a history of accidents, are also targeted by the company's products.
Pros and Cons
What does it do
Auto insurance to high-risk drivers
Available in only 10 states
Great customer service
Not rated through AM Best
Rated A+ by the BBB
Assurance America Auto Insurance Coverages
When it comes to insurance, AssuranceAmerica offers only the bare minimum in each state it does business in, such as liability insurance, physical damage coverage, medical payments, etc.
Assurance America is available in AL, AZ, FL, GA, MS, IN, MO, NE, SC, TX, VA
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Assurance America Auto Insurance Rates
Assurance America Auto Insurance rates by Driving history
Average Annual Premium
Assurance America Auto Insurance rates by State
Average Annual Premium
Assurance America Auto Insurance Discounts
You can't see the discounts for AssuranceAmerica's auto insurance policies on the company's website at this time. However, an independent insurance agent should be able to point you in the right direction when it comes to discounts you may qualify for. A wide range of discounts are available, including:
Good driver: If you haven't been in an accident in the last few years and you weren't at fault, you may be eligible for good driver savings.
Good student: If you're a full-time student with at least a B average, your insurance company may give you a discount. This is a common option for new drivers in their teens and early adulthood.
Paid-in-full: A paid-in-full discount may be available if you are able to pay your annual premiums in a single payment rather than spread out over a period of months.
Proof of prior auto insurance discount: AssuranceAmerica will give you a discount on your next auto insurance policy if you provide proof of your previous coverage.
Assurance America Complaints and Customer Satisfaction
Since AssuranceAmerica is only available in a few states, it does not have JD Power ratings for customer satisfaction. Furthermore, neither AM Best nor Standard and Poor's assign it any financial strength ratings (S & P).
According to the Complaint Index maintained by the National Association of Insurance Commissioners (NAIC), however, there have been several complaints filed against AssuranceAmerica. With 13 officially filed complaints, the company's overall index rating now stands at 3.56. With an easy-to-use website, AssuranceAmerica allows customers to make payments, locate an agent and file claims online. Independent insurance agents provide the most individualised service to their clients.
Assurance America is a good option for customers who need non-standard coverage because of past driving record issues. Three levels of coverage are available from the company, so you can protect your own vehicle in addition to purchasing the state-mandated liability coverage. You can also work with an independent insurance agent to purchase your policy. You can even locate a local representative using the company's find an agent tool.
AssuranceAmerica is headquartered in Atlanta, GA, and also operates in Birmingham, AL, Tampa, FL, and Dallas and McAllen, TX, through its subsidiaries Assurance America Insurance Company, Assurance America Managing General Agency, and InsureMax Insurance Company.
Accordingly, AssuranceAmerica does not have a credit rating to indicate its financial strength or stability. Knowing if an insurance company will be there when you need them is critical. Assurance America's financial health cannot be determined without an independent assessment. Purchasing a policy in the future should be at least somewhat more difficult in light of this fact.
If you are a high-risk driver, need an SR-22 filing or need an affordable auto insurance option, the carrier may offer a budget-friendly solution. Independent insurance agents in the Assurance America service area can assist you with your evaluation of Assurance America. You can also use our national carrier directory to find other carriers. You can use the directory to find companies that specialise in your specific coverage needs and connect with an agent in your area.
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About Assurance America Car Insurance
Since its inception in 1998, AssuranceAmerica has grown to include over 4,000 independent agents in 10 states. Drivers who might otherwise have difficulty obtaining insurance can turn to this company for help, even though its insurance options are limited and its service area is limited. For those who are considered high-risk or simply want the cheapest insurance possible, AssuranceAmerica is the best bet.
The relationship between the customer and the agent is extremely important to Assurance America. As a result, the insurance company's mobile app and online services are limited, but customer service is available around the clock. A network of independent insurance agents currently serves as Assurance America's primary source of insurance revenue. A policyholder must work with one of the many independent agents to get a quote, file a claim, or make changes to their insurance policy.
Availability & Contact Details
24 hours a day, 7 days a week
Toll free Phone
1-888-580-8134 ; 678-996-0110
Toll Free Fax
Claims Services Hours
Monday - Friday, 8:00am to 5:00pm ET
PO Box 725009, Atlanta, GA 31139-0009
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Frequently Asked Questions
How to apply online for liability insurance with Assurance America?
With an easy-to-use website, AssuranceAmerica allows customers to make payments, locate an agent and file claims online. Independent insurance agents provide the most individualized service to their clients.
How do I get a quote from Assurance America insurance?
An independent insurance agent can provide an even more personalized service for Assurance America's customers. It is possible to get answers to your questions or concerns about your policy from an independent agent.