Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 11, 2020

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Company Details
Address: 1400 American Lane Tower 1, Floor 19
City: Schaumberg
State: IL
ZIP Code: 60196
Phone Number: 847-605-6000
Website: http://www.zurichna.com/zna/home/welcome.htm
Year Founded: 1939
AM Best Rating: A
Company Rating 0 (0 reviews)

Things to remember...

  • American Guarantee Auto Insurance is a division of the American Guarantee and Liability Insurance Company.
  • American Guarantee is licensed to sell insurance in all 50 states plus Washington, D.C. The company employs approximately 300 employees across the country.
  • They sell both commercial and non-commercial policies, including auto, health, home, boat, airplane, business, personal injury, and worker’s compensation policies.

American Guarantee auto insurance is a division of the American Guarantee and Liability Insurance Company. American Guarantee is a subsidiary of Zurich Financial Services North America.

The company doesn’t broadcast its auto insurance rates, but we will cover all of the available information including coverage and locations.

Read on for a full American Guarantee auto insurance review. But first, click here and enter your ZIP code above to get cheap auto insurance quotes.

American Guarantee Auto Insurance Rates

American Guarantee is based in Schaumberg, Illinois, and also listed as Zurich American Insurance Company. In addition to Illinois, they have branch offices in several locations throughout the United States, including:

  • Orlando, Florida
  • San Francisco, California
  • New York, New York

American Guarantee is licensed to sell insurance in all 50 states plus Washington, D.C. The company employs approximately 300 employees across the country.

According to the National Association of Insurance Commissioners (NAIC), the average cost of auto insurance differs from state to state. Let’s examine the average annual rate of each state and see how much you can spend on auto insurance.

Auto Insurance Rates of Coverage Types by State
StatesAverage Annual Liability RatesAverage Annual Collision RatesAverage Annual Comprehensive RatesAverage Annual Full Coverage Rates
Alabama$417$323$158$898
Alaska$567$361$140$1,069
Arizona$543$281$189$1,013
Arkansas$412$328$197$937
California$504$402$99$1,004
Colorado$542$289$185$1,017
Connecticut$685$374$132$1,191
Delaware$808$319$122$1,248
District of Columbia$663$471$231$1,364
Florida$885$288$119$1,293
Georgia$597$341$160$1,097
Hawaii$462$315$102$878
Idaho$368$222$118$708
Illinois$460$308$127$895
Indiana$393$252$122$767
Iowa$310$223$188$721
Kansas$365$263$244$873
Kentucky$541$273$141$956
Louisiana$814$421$217$1,451
Maine$353$267$101$721
Maryland$633$357$154$1,145
Massachusetts$612$392$136$1,141
Michigan$816$420$152$1,388
Minnesota$461$234$185$881
Mississippi$471$328$210$1,010
Missouri$436$278$183$897
Montana$400$266$225$891
Nebraska$377$240$229$846
Nevada$716$308$115$1,139
New Hampshire$406$300$109$816
New Jersey$896$383$127$1,405
New Mexico$510$279$175$964
New York$823$393$169$1,384
North Carolina$359$295$127$781
North Dakota$296$249$237$782
Ohio$406$273$121$800
Oklahoma$470$318$227$1,014
Oregon$609$230$93$932
Pennsylvania$509$331$146$986
Rhode Island$790$415$131$1,337
South Carolina$554$269$182$1,005
South Dakota$306$215$264$785
Tennessee$427$314$148$889
Texas$550$380$207$1,137
Utah$510$269$112$891
Vermont$357$303$131$791
Virginia$437$284$139$859
Washington$610$268$108$985
West Virginia$508$332$204$1,045
Wisconsin$381$227$138$747
Wyoming$341$277$253$871
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Idaho, Maine, and Iowa are the cheapest states for auto insurance, while Michigan, New Jersey, and Lousiana are the most expensive states for auto insurance.

Since American Guarantee auto insurance is only available through personal quotes, we’ve given you a general auto insurances rates from NAIC.

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American Guarantee Auto Insurance Company Information

American Guarantee Insurance was incorporated in 1939 as a fire and casualty insurance company. They are a subsidiary of Zurich Financial Services North America, which is an insurance-based company based in Switzerland.

They sell both commercial and personal policies, including auto, health, home, boat, airplane, business, personal injury, and worker’s compensation policies.

The American Guarantee Insurance claims phone number isn’t available online, but Zurich claims can be filed at 800-987-3373.

American Guarantee Auto Insurance Leadership and Agents

Depending on the site you view, both Nancy Diane Mueller and John J. Amore are listed as currently being in charge of American Guarantee Insurance.

Since the company only has a few branch locations but can sell insurance across the country, it generally uses independent agents to sell insurance policies.

These agents do not work specifically for American Guarantee, but for a variety of auto insurance companies. The plus side to dealing with an independent agent is that the agent is working to get you the lowest auto insurance rate.

The downside is that if you need to file a claim, your agent will only be able to work as a middleman between you and the insurance company and will not be able to pay you directly.

Compare auto insurance rates in your local area by entering your ZIP code in the FREE comparison tool!

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How do I contact American Guarantee Auto Insurance?

If you need to file an auto insurance claim, contact customer service, or find out additional information about the company, you can contact the main office at the following location:

American Guarantee and Liability Insurance Company
1400 American Lane
Tower 1, Floor 19
Schaumberg, IL 60196

Phone: 847-605-6000
Toll-Free: 800-382-2150

If you wish to contact one of the company’s branch locations, you can do so through these numbers:

Orlando, Florida — 407-660-2666

San Francisco, California — 415-986-4900

Free Auto Insurance Comparison

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American Guarantee Auto Insurance Reviews

Online auto insurance reviews are available from a variety of sources, but one of the highest respects is AM Best. American Guarantee has an AM Best rating of A – excellent.

According to A.M. Best, the “A” rating shows a stable outlook and superior ability to meet customer obligations.

The AM Best rating system looks at everything from company stability and financial security to consumer complaints. AM Best is considered a reliable source of information about an insurance company.

This company is not accredited by the Better Business Bureau.

Customer reviews are mixed. Some share positive experiences in dealing with American Guarantee in terms of claims, payouts, and customer service.

Others have had more negative experiences when dealing with the company. Some people stated there’s a lack of offices throughout the company. Customers complained of having a face to face contact with the company as the sole means of getting quotes or getting insurance.

Another disappointing aspect of American Guarantee is that the company does not have its website. Instead, you must search for information on the company through websites that provide general insurance information.

American Guarantee Auto Insurance Careers

If you’re interested in a career in the insurance industry, American Guarantee may be right for you. If you do not find a job at American Guarantee, you can search its parent company site, Zurich North America, for several career opportunities within the larger company.

Besides U.S. jobs, you can find internship opportunities and global job opportunities, as well. Zurich North America offers competitive wages and a very decent benefits package to employees, which includes the following:

  • Several medical insurance plan options with prescription drug coverage, as well as, dental and vision coverage
  • Life insurance
  • Accidental death and dismemberment coverage
  • Short and long term disability
  • Retirement plan
  • College scholarship program
  • Flexible spending account
  • 401(K)
  • Child care discounts
  • Membership in the company credit union
  • Employee assistance program
  • Paid time off
  • Five-day “business casual” work environment

Watch this video of Zurich North America’s introduction to new employees.

Zurich insurance other subsidiaries also have positions open. Look around career websites to see if you can find job openings.

Frequently Asked Questions: American Guarantee Auto Insurance

There’s not much information on American Guarantee auto insurance, but we’ll cover everything we know about American Guarantee about the company and its parent company, Zurich Insurance Company.

Now that you have finished our American Guarantee auto insurance review, it’s time to compare rates. Click here and enter your ZIP code below now to begin comparing auto insurance quotes now!

#1 – Is American Guaranty Life Insurance Company the same as American Guarantee?

No. American Guaranty Life Insurance Company has different NAIC codes than American Guarantee Insurance Company.

#2 – What’s Zurich America Insurance Company’s location?

Zurich’s North American corporate location is located in Schaumburg, Illinois.

#3 – What is American Guaranty Title Insurance Company?

This company is a subsidiary of Old Republic International Corporation. It’s not related to American Guarantee or its parent company, Zurich Insurance Group.

#4 – Does American Guarantee and Liability Insurance have an NAIC code?

American Guarantee and Liability Insurance Company’s NAIC code is 26247

#5 – Is Steadfast Insurance Company a subsidiary of Zurich Insurance Company

Yes. Steadfast Insurance Company is a subsidiary of Zurich Insurance Group.