American Alliance Auto Insurance Review for 2025 (+Rates & Coverage Options)

This American Alliance auto insurance review explains how it serves high-risk drivers who require specialized support, such as SR-22 insurance filings and liability-only plans.

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.

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 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 by Age & Gender

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.

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.

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 monthly.

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.

Auto Insurance Monthly Full Coverage 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

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 by Savings Potential

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.

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 Insurance Business Ratings & Consumer 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?).

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.