American Alliance Auto Insurance Review for 2025 (+Rates & Coverage Options)
American Alliance auto insurance offers minimum coverage starting at $76 per month, making it a viable option for high-risk drivers, making it ideal for high-risk drivers with SR-22s or coverage gaps. This American Alliance auto insurance review highlights AACC's specialization in high-risk car insurance and non-owner liability coverage options.
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Table of Contents
Table of Contents
Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Rachel Bodine
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Justin Wright
Updated June 2025
This American Alliance auto insurance review supports high-risk drivers by offering flexible, manually underwritten policies, including SR-22 auto insurance filings and non-owner coverage, designed to help those with coverage gaps, suspended licenses, or past violations regain legal driving status.
American Alliance Auto Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 2.3 |
| Business Reviews | 3.0 |
| Claim Processing | 2.0 |
| Company Reputation | 3.0 |
| Coverage Availability | 1.4 |
| Coverage Value | 2.3 |
| Customer Satisfaction | 1.3 |
| Digital Experience | 2.5 |
| Discounts Available | 4.0 |
| Insurance Cost | 2.4 |
| Plan Personalization | 2.0 |
| Policy Options | 2.0 |
| Savings Potential | 2.9 |
With a focus on non-owner and limited-use coverage, American Alliance Insurance offers alternatives for high-risk drivers who have been denied coverage by standard insurers. Policies are manually underwritten, allowing flexibility for applicants with past lapses or violations.
American Alliance Casualty Company (AACC) is best suited for drivers who face difficulty securing traditional insurance due to their driving history or legal requirements.
- American Alliance auto insurance supports SR-22 for high-risk drivers
- AACC offers liability with optional collision and full coverage add-ons
- AACC operates in Illinois using agents and online policy access tools
Find affordable high-risk auto insurance near you by entering your ZIP code into our free comparison tool for fast and accurate quotes.
American Alliance Auto Insurance Rates
This table shows how age and gender change the auto insurance rates with the American Alliance for minimum and full coverage. Teen drivers have to pay the most, especially 16-year-olds who might have to pay $495 or more every month for full coverage.
American Alliance Auto Insurance Monthly Rates
| Driving Record | Minimum Coverage | Full Coverage |
|---|---|---|
| Clean Record | $88 | $212 |
| One Accident | $135 | $285 |
| One DUI | $173 | $322 |
| One Ticket | $112 | $262 |
By age 25, rates begin to stabilize, and they decrease further for drivers over 60 years old. For minimum coverage, the cost can drop to as low as $76 for older drivers. Compare auto insurance rates by age for more quotes.
American Alliance Auto Insurance Cost by Age & Gender
| Age & Gender | Monthly Rates |
|---|---|
| 16-Year-Old Female | $212 |
| 16-Year-Old Male | $238 |
| 25-Year-Old Female | $134 |
| 25-Year-Old Male | $142 |
| 35-Year-Old Female | $120 |
| 35-Year-Old Male | $126 |
| 45-Year-Old Female | $112 |
| 45-Year-Old Male | $118 |
| 55-Year-Old Female | $105 |
| 55-Year-Old Male | $111 |
| 65-Year-Old Female | $108 |
| 65-Year-Old Male | $115 |
However, because it’s a high-risk company, American Alliance insurance is more expensive than other popular providers’ policies. This table displays the monthly premiums for top insurers, covering both minimum and full coverage plans.
American Alliance vs. Top Competitors: Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $87 | $228 |
 | $62 | $166 |
| $88 | $212 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $53 | $141 |
Geico and State Farm have the cheapest rates, but Liberty Mutual is more expensive. My American Alliance is positioned somewhere in the middle, with a minimum coverage charge of $88 per month and a full coverage charge of $212 per month.
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American Alliance High-Risk Insurance Rates
AACC focuses on high-risk customers, raising rates considerably less than its competition when it comes to speeding tickets and DUIs. Find out why it’s listed among the best auto insurance companies for high-risk drivers.
Using manual underwriting, American Alliance Insurance Company offers affordable rates and flexible acceptance criteria for drivers with multiple accidents or DUIs who may not meet standard insurance requirements.
The table below displays monthly rates for full coverage from major insurance companies, varying by driving record. State Farm has the best rates for drivers with a blemished record, but American Alliance is cheaper than most providers after a speeding ticket or accident.
American Alliance vs. Top Competitors: Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $228 | $268 | $321 | $385 |
| $166 | $194 | $251 | $276 |
 | $190 | $220 | $240 | $320 |
| $198 | $247 | $282 | $275 |
| $114 | $151 | $189 | $309 |
| $248 | $302 | $335 | $447 |
| $164 | $196 | $230 | $338 |
| $150 | $199 | $265 | $200 |
| $123 | $137 | $146 | $160 |
| $141 | $192 | $199 | $294 |
However, drivers who have a DUI get charged much higher rates, up to $447 by Liberty Mutual, which is the most expensive among them all. American Alliance, at $320 monthly, is competitive but still more expensive than popular companies like State Farm and Geico.
American Alliance Auto Insurance Coverage
This chart illustrates the various coverage types offered by American Alliance auto insurance. It begins with basic protections, such as liability, which covers the costs of damage or injuries you cause to others.
American Alliance Auto Insurance Coverage Options
| Coverage | What It Covers |
|---|---|
| Liability | Injuries or damage you cause |
| Collision | Repairs after hitting an object |
| Comprehensive | Non-collision damage like fire, theft |
| Personal Injury Protection | Medical bills and lost wages |
| Uninsured Motorist | Accidents with uninsured or underinsured drivers |
| Medical Payments | Medical costs for you, passengers |
| Rental Reimbursement | Rental car during covered repairs |
| Roadside Assistance | Towing, flat tire, or jumpstart |
| Gap Insurance | Covers loan balance after total loss |
| Custom Parts | Protects aftermarket or custom car parts |
There is also collision and comprehensive auto insurance coverage available, which helps pay for physical damage from accidents, fire, or theft. Drivers can also opt for gap insurance, roadside assistance, or custom parts coverage for added peace of mind.
American Alliance auto insurance serves a special section of the market by paying attention to drivers whom mainstream carriers refuse to cover. This includes individuals requiring SR-22 filings, non-owner policies, or those with gaps in their coverage. Discover affordable non-owner auto insurance options designed for high-risk drivers.
These choices are particularly suitable for high-risk drivers with restricted licenses who often drive but don’t own a vehicle. Not every insurer offers this type of policy, but AACC caters to drivers with unique records and restrictions.
American Alliance Auto Insurance Discounts
Safe drivers can get up to 30% off with American Alliance, but there are also discounts for having multiple cars, bundling policies together, and good students, which can save high-risk drivers from 20% to 25%.
American Alliance Auto Insurance Discounts
| Discount | |
|---|---|
| Safe Driver | 30% |
| Multi-Car | 25% |
| Bundling | 20% |
| Good Student | 20% |
| Military | 15% |
| Non Owners | 15% |
| Safety Features | 15% |
| Anti-Theft | 10% |
| Defensive Driver | 10% |
| Early Signing | 10% |
| Low Mileage | 10% |
| Pay-in-Full | 10% |
| Prior Coverage | 10% |
| Renewal | 10% |
| Senior Driver | 10% |
| Automatic Payments | 5% |
| Paperless Billing | 5% |
Military personnel, senior drivers, and those who drive infrequently can save between 10% and 15%. See how non-owner liability and SR-22 coverage can still qualify for the best auto insurance discounts.
Also, small advantages, such as receiving paperless bills, setting up automatic payments, or signing up early, can help lower costs. These discounts are especially helpful for high-risk drivers who wish to manage their premium expenses and improve their odds over time.
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American Alliance Auto Insurance Customer Reviews and Ratings
This table shows how major industry agencies rate American Alliance Casualty Company in terms of service, complaints, and financial strength. A.M. Best assigns an A rating, indicating the company has strong financial stability.
American Alliance Auto Insurance Ratings & Customer Reviews
| Agency | |
|---|---|
 | Score: 765/1,000 Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 79/100 High Customer Satisfaction |
 | Score: 0.60 Fewer Complaints Than Avg. |
 | Score: A+ Superior Financial Strength |
The NAIC reports a 0.60 complaint index, which is significantly lower than the national average. Consumer Reports gives a score of 79 out of 100, indicating high consumer satisfaction. Also, BBB rates them A+ for business ethics (Read More: Who are the reputable auto insurance companies?).
American Alliance lacks digital tools but offers agent flexibility. As a result, high-risk applicants get clearer guidance during quotes.Laura Berry Former Licensed Insurance Producer
Although AACC lacks modern features like a mobile app and has mixed opinions about customer service, it receives strong financial support and has few complaints, according to the NAIC. This means it is probably stable behind the scenes.
For high-risk drivers who need state-minimum liability or plans that help reinstate coverage, American Alliance Insurance Company could be a smart choice to get insurance again and drive legally. Unlock cheap auto insurance rates by entering your ZIP code into our quick quote tool.
Frequently Asked Questions
Is American Alliance the most trusted car insurance company?
American Alliance Casualty Company is trusted by many high-risk drivers, but it’s not widely ranked as the most trusted overall. It earns a solid A rating from A.M. Best for financial stability.
How can you make an American Alliance insurance payment?
To pay auto insurance online, log into the payment portal at kar.myamericanalliance.com. You can use debit, credit, or bank transfer, and also opt into autopay to avoid missing due dates.
How do you access your My American Alliance account?
Access your personal policy dashboard at kar.myamericanalliance.com, where you can conveniently track payments, download ID cards, and update your contact details online.
What is the American Alliance car insurance phone number?
The American Alliance insurance phone number is (847) 916-3200 for help with policy setup, rate inquiries, or general auto insurance questions.
What is the American Alliance insurance claims phone number?
For claim-related matters such as follow-ups or documentation requests, use (847) 916-3200 to reach the American Alliance claims team.
Does American Alliance insurance cover rental cars?
Yes, your American Alliance may extend to rental cars. It also offers rental reimbursement coverage as an optional add-on, but it’s not included in all policies. You’ll need to confirm availability and eligibility directly through your policy or agent.
Is American Alliance the cheapest car insurance policy?
American Alliance offers affordable monthly rates starting around $76, especially for high-risk drivers. However, it’s not always the cheapest—larger insurers like Geico or State Farm may offer lower rates depending on your profile. Unlock cheap monthly rates by entering your ZIP code into our free quote comparison tool.
Is auto insurance with American Alliance legit?
Yes, car insurance from American Alliance is a legitimate option. It is a licensed provider that specializes in high-risk auto policies and complies with state insurance regulations in the areas where it operates.
Where is the American Alliance Casualty Company headquarters?
American Alliance Insurance is headquartered in Chicago, Illinois. Their mailing address is PO Box 850, Chicago, IL 60690. Compare providers to find the best Illinois auto insurance with monthly savings.
Does the American Alliance have the highest customer satisfaction?
No, American Alliance does not rank at the top for customer satisfaction. While it has a below-average complaint index, it still receives mixed consumer reviews online.
Is American Alliance Insurance Company the one with the most complaints?
Is Alliance a good auto insurance company?
How do you file a claim with American Alliance?
Which auto insurance company is better?
How do you find good auto insurance?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What insurance is best for your vehicle?
American Alliance Casualty Company is trusted by many high-risk drivers, but it’s not widely ranked as the most trusted overall. It earns a solid A rating from A.M. Best for financial stability.
To pay auto insurance online, log into the payment portal at kar.myamericanalliance.com. You can use debit, credit, or bank transfer, and also opt into autopay to avoid missing due dates.
How do you access your My American Alliance account?
Access your personal policy dashboard at kar.myamericanalliance.com, where you can conveniently track payments, download ID cards, and update your contact details online.
What is the American Alliance car insurance phone number?
The American Alliance insurance phone number is (847) 916-3200 for help with policy setup, rate inquiries, or general auto insurance questions.
What is the American Alliance insurance claims phone number?
For claim-related matters such as follow-ups or documentation requests, use (847) 916-3200 to reach the American Alliance claims team.
Does American Alliance insurance cover rental cars?
Yes, your American Alliance may extend to rental cars. It also offers rental reimbursement coverage as an optional add-on, but it’s not included in all policies. You’ll need to confirm availability and eligibility directly through your policy or agent.
Is American Alliance the cheapest car insurance policy?
American Alliance offers affordable monthly rates starting around $76, especially for high-risk drivers. However, it’s not always the cheapest—larger insurers like Geico or State Farm may offer lower rates depending on your profile. Unlock cheap monthly rates by entering your ZIP code into our free quote comparison tool.
Is auto insurance with American Alliance legit?
Yes, car insurance from American Alliance is a legitimate option. It is a licensed provider that specializes in high-risk auto policies and complies with state insurance regulations in the areas where it operates.
Where is the American Alliance Casualty Company headquarters?
American Alliance Insurance is headquartered in Chicago, Illinois. Their mailing address is PO Box 850, Chicago, IL 60690. Compare providers to find the best Illinois auto insurance with monthly savings.
Does the American Alliance have the highest customer satisfaction?
No, American Alliance does not rank at the top for customer satisfaction. While it has a below-average complaint index, it still receives mixed consumer reviews online.
Is American Alliance Insurance Company the one with the most complaints?
Is Alliance a good auto insurance company?
How do you file a claim with American Alliance?
Which auto insurance company is better?
How do you find good auto insurance?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What insurance is best for your vehicle?
Access your personal policy dashboard at kar.myamericanalliance.com, where you can conveniently track payments, download ID cards, and update your contact details online.
The American Alliance insurance phone number is (847) 916-3200 for help with policy setup, rate inquiries, or general auto insurance questions.
What is the American Alliance insurance claims phone number?
For claim-related matters such as follow-ups or documentation requests, use (847) 916-3200 to reach the American Alliance claims team.
Does American Alliance insurance cover rental cars?
Yes, your American Alliance may extend to rental cars. It also offers rental reimbursement coverage as an optional add-on, but it’s not included in all policies. You’ll need to confirm availability and eligibility directly through your policy or agent.
Is American Alliance the cheapest car insurance policy?
American Alliance offers affordable monthly rates starting around $76, especially for high-risk drivers. However, it’s not always the cheapest—larger insurers like Geico or State Farm may offer lower rates depending on your profile. Unlock cheap monthly rates by entering your ZIP code into our free quote comparison tool.
Is auto insurance with American Alliance legit?
Yes, car insurance from American Alliance is a legitimate option. It is a licensed provider that specializes in high-risk auto policies and complies with state insurance regulations in the areas where it operates.
Where is the American Alliance Casualty Company headquarters?
American Alliance Insurance is headquartered in Chicago, Illinois. Their mailing address is PO Box 850, Chicago, IL 60690. Compare providers to find the best Illinois auto insurance with monthly savings.
Does the American Alliance have the highest customer satisfaction?
No, American Alliance does not rank at the top for customer satisfaction. While it has a below-average complaint index, it still receives mixed consumer reviews online.
Is American Alliance Insurance Company the one with the most complaints?
Is Alliance a good auto insurance company?
How do you file a claim with American Alliance?
Which auto insurance company is better?
How do you find good auto insurance?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What insurance is best for your vehicle?
For claim-related matters such as follow-ups or documentation requests, use (847) 916-3200 to reach the American Alliance claims team.
Yes, your American Alliance may extend to rental cars. It also offers rental reimbursement coverage as an optional add-on, but it’s not included in all policies. You’ll need to confirm availability and eligibility directly through your policy or agent.
Is American Alliance the cheapest car insurance policy?
American Alliance offers affordable monthly rates starting around $76, especially for high-risk drivers. However, it’s not always the cheapest—larger insurers like Geico or State Farm may offer lower rates depending on your profile. Unlock cheap monthly rates by entering your ZIP code into our free quote comparison tool.
Is auto insurance with American Alliance legit?
Yes, car insurance from American Alliance is a legitimate option. It is a licensed provider that specializes in high-risk auto policies and complies with state insurance regulations in the areas where it operates.
Where is the American Alliance Casualty Company headquarters?
American Alliance Insurance is headquartered in Chicago, Illinois. Their mailing address is PO Box 850, Chicago, IL 60690. Compare providers to find the best Illinois auto insurance with monthly savings.
Does the American Alliance have the highest customer satisfaction?
No, American Alliance does not rank at the top for customer satisfaction. While it has a below-average complaint index, it still receives mixed consumer reviews online.
Is American Alliance Insurance Company the one with the most complaints?
Is Alliance a good auto insurance company?
How do you file a claim with American Alliance?
Which auto insurance company is better?
How do you find good auto insurance?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What insurance is best for your vehicle?
American Alliance offers affordable monthly rates starting around $76, especially for high-risk drivers. However, it’s not always the cheapest—larger insurers like Geico or State Farm may offer lower rates depending on your profile. Unlock cheap monthly rates by entering your ZIP code into our free quote comparison tool.
Yes, car insurance from American Alliance is a legitimate option. It is a licensed provider that specializes in high-risk auto policies and complies with state insurance regulations in the areas where it operates.
Where is the American Alliance Casualty Company headquarters?
American Alliance Insurance is headquartered in Chicago, Illinois. Their mailing address is PO Box 850, Chicago, IL 60690. Compare providers to find the best Illinois auto insurance with monthly savings.
Does the American Alliance have the highest customer satisfaction?
No, American Alliance does not rank at the top for customer satisfaction. While it has a below-average complaint index, it still receives mixed consumer reviews online.
Is American Alliance Insurance Company the one with the most complaints?
Is Alliance a good auto insurance company?
How do you file a claim with American Alliance?
Which auto insurance company is better?
How do you find good auto insurance?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What insurance is best for your vehicle?
American Alliance Insurance is headquartered in Chicago, Illinois. Their mailing address is PO Box 850, Chicago, IL 60690. Compare providers to find the best Illinois auto insurance with monthly savings.
No, American Alliance does not rank at the top for customer satisfaction. While it has a below-average complaint index, it still receives mixed consumer reviews online.
Is American Alliance Insurance Company the one with the most complaints?
Is Alliance a good auto insurance company?
How do you file a claim with American Alliance?
Which auto insurance company is better?
How do you find good auto insurance?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What insurance is best for your vehicle?
How do you file a claim with American Alliance?
Which auto insurance company is better?
How do you find good auto insurance?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What insurance is best for your vehicle?
How do you find good auto insurance?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
What insurance is best for your vehicle?
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
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