American Guarantee Auto Insurance Review (2020)
American Guarantee auto insurance is sold though parent company Zurich Insurance. American Guarantee auto insurance quotes and claims are both handled by Zurich as well. American Guarantee Insurance is licensed in all 50 states.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Aug 11, 2020
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- 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.
Table of Contents
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.
| States | Average Annual Liability Rates | Average Annual Collision Rates | Average Annual Comprehensive Rates | Average 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.
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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
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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.