American Casualty Auto Insurance Review (2025)

There are several American Casualty auto insurance companies to look at. Each of these companies are independent insurance agencies. This means that instead of selling insurance for a single company, they sell insurance products for multiple companies.

This American Casualty auto insurance review will focus on American Casualty Insurance Agency, Inc. American Causality is a Toledo, OH, based insurance company that was founded in 1981.

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What You Should Know About American Casualty Company (Pa)

American Casualty is a full-service insurance agency, which means that they sell auto insurance, homeowner insurance, business insurance, health, flood and life insurance products.

They are located at:

5951 Renaissance Place, Suite A
Toledo, OH 43623

You can call them directly at: 419-885-3571.

As an independent agency, American Casualty doesn’t answer to any insurance company. This has both its pros and its cons.

The reason that this is a positive thing is that the company shouldn’t try to shove one particular insurance provider down your throat. They should offer you the best product that meets your needs exactly.

The downside to this is that they don’t specialize for any particular company. In other words, they aren’t an expert in Progressive or Unitrin products. If they don’t know the answer to something, they contact someone from the insurance company your products are coming from to get the answers.

American Casualty is contracted and licensed to sell products from nine companies. These companies are:

• Auto Owners Insurance Company
• Grange Insurance
• State Auto Insurance Company
• Progressive
• Safeco Insurance
• Foremost Insurance Group
• Ohio Fair Plan Underwriting Associates*
• Hanover Insurance Group
• Unitrin Specialty Insurance

American Casualty Careers

Because this is an independent agency, you won’t work directly for an insurance company if you work for American Casualty. In fact, because they don’t offer a career page on their website, it isn’t clear whether or not you would be working for American Casualty either.

Many independent insurance agencies are using independent contractors as agents for their business. This allows them to avoid paying payroll costs and unemployment insurance costs.

Once a plan is sold, the person who sold it receives a commission from the insurance company every month, as long as you make your payments. It is in the best interest of the agent to ensure that you get exactly what you want and need so that they keep getting paid!

The downside for the agent is that there is no job stability in this kind of position. They depend on the agency to bring in customers and if they don’t, then the agents can’t make money.

As mentioned above, American Casualty doesn’t discuss their agents at all, which means they could be employed by the company, or they could be independent contractors. Read how do I become an auto insurance agent for more information.

American Casualty Locations

American Casualty only has one office, which is in Toledo, OH. It is a locally owned and operated business with an unknown amount of agents working for the company.

While American Casualty is able to write policies for people all over the country because they sell products through companies such as Progressive, having only one office can be limiting.

If you live in Florida, for example, you aren’t going to travel to Ohio for a face to face with your independent agent; you are going to want to find someone who is local to you.

How do I get a quote from American Casualty?

American Casualty has a major failing on their website when you go looking for a quote. Instead of using a quote tool, you are required to call them and speak with an agent to get your quotes.

When you call, you will need to provide your:

• Birth date
• Driver’s license number
• Address
• Lending company
• Current insurance information
• VIN for your car
• Year car was made
• Make of car
• Model of car

This information isn’t too intrusive and will get you a good quote. However, the downside is your only insurance company options are the nine companies listed above, several of which only sell insurance in one state. This means if you don’t live in one of those states, then your automatic option will be Progressive. See our Progressive auto insurance review to learn more.

Find out how to get multiple auto insurance quotes.

When you use our free quote tool, you will be provided with numerous quotes from top companies, as well as smaller more local companies. You choose the one that offers you the cheapest auto insurance rates or most ideal policy and then go from there.

You can compare FREE auto insurance quotes right now by entering your ZIP code below!