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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 8, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Company Details
Address: P.O. Box A-H
City: Wilkes-Barre
State: PA
ZIP Code: 18703-0020
Phone Number: 570-825-9900
Website: http://www.guard.com/
Year Founded:
AM Best Rating: A-
Company Rating 0 (0 reviews)

Amguard Auto Insurance Summary
Amguard Auto Insurance FactsDetails
AddressP.O. Box A-H
CityWilkes-Barre
State PA
ZIP Code18703-0020
Phone Number570-825-9900
Websitehttp://www.guard.com/
Year Founded 1982
AM Best Rating A-
Get Your Rates Quote Now

Compare RatesStart Now →

We understand that finding cheap auto insurance can be a complicated process. This is why we will go through the AmGUARD Auto Insurance company step-by-step, including AmGUARD Insurance reviews, to see if they are the right company for you.

Looking for affordable AmGUARD car insurance or AmGUARD auto insurance rates? Before starting our AmGUARD auto insurance review, type in your ZIP code to our helpful tool above to find reasonable car insurance rates in your area.

AmGUARD Auto Insurance Rates

AmGUARD Insurance is a member of the Guard Insurance Group. Founded in 1982 by Judd and Susan Shoval, the Guard Insurance Group is headquartered at P.O. Box A-H Wilkes Barre, PA 18730. AmGUARD offers many types of insurance for small to medium-sized businesses.

Judd and Susan Shoval were both commercial business insurance agents when they decided to start their own company. They decided to focus on small to medium-sized businesses, feeling that they were underserved by the mainstream insurance community.

Today, the Guard Insurance Group is made up of four subsidiaries: AmGUARD, Eastguard, Westguard Insurance Company, and Norguard. In its short 38-year-history, The Guard Insurance Group has become a significant business insurance provider throughout the United States.

Coverage options from the Guard Insurance Group include liability coverage, personal injury protection, medical payments coverage, collision and comprehensive coverage, car rental, travel expenses, and emergency road service coverage.

Avigdor Kaplan has been serving as the Chairman of the Board since 2007. As Chairman of the Board, Kaplan helps to plan the business and the future of the Guard Insurance Group as well as all of its subsidiaries. Judd Shoval, one of the business’ original founders in 1982, is still very influential in the company. As of today, he still acts as Vice-Chairman of the company.

Sy Foguel is the current Chief Executive Officers and President of the Guard Insurance Group. As the acting President and Chief Executive Officer, Foguel oversees all of the long-term goals and planning of the company.

Now that we know a little more about the company, let’s find out AmGUARD’s availability by state.

What is AmGUARD’s availability by state?

As stated, AmGUARD offers many types of insurance for small to medium-sized businesses. These business insurance options include worker’s compensation insurance, business owners’ policy insurance, commercial auto coverage, and umbrella and excess insurance coverage.

This next table shows the states in which AmGUARD currently writes workers’ compensation insurance.

AmGUARD Workers’ Compensation Insurance Availability by State
AmGuard State Availability
Alabama
Arizona
California
Connecticut
Delaware
District of Columbia
Florida
Georgia
Illinois
Indiana
Maine
Maryland
Massachusetts
Michigan
Mississippi
New Hampshire
New Jersey
New York
North Carolina
Pennsylvania
Rhode Island
South Carolina
Tennessee
Texas
Vermont
West Virginia
Get Your Rates Quote Now

Compare RatesStart Now →

The AmGUARD worker’s compensation policy offers options like flexible pricing and consolidated billing. 

The AmGUARD business auto insurance policies are available in South Carolina, New Jersey, and Pennsylvania. This policy is specially designed for business vehicles that have a value of $75,000 or less.

You may be asking, “When do you need business auto insurance?” Other businesses’ auto vehicle limits are a maximum weight of 45,000 pounds and can only travel up to a radius of no more than 200 miles.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

AmGUARD Auto Insurance Coverages Offered

It is just as important to protect the vehicles you use for your business, as it is to protect your business itself. The legal liability that can come with an auto accident of an uninsured vehicle can be enough to ruin an entire business.

Business auto insurance offers many types of coverage options for both small and large businesses.

These coverage options include liability coverage, personal injury protection, medical payments coverage, collision and comprehensive coverage, car rental and travel expenses, emergency road service coverage, coverage for uninsured and underinsured motorists, loss of earnings coverage, and coverage for death, dismemberment, and loss of sight.

Up first, liability coverage. Liability coverage tends to be divided into two separate categories. These two categories are bodily injury liability and property damage liability coverage.

Here is a video on Liability Coverage to help explain it further.

Bodily injury liability provides coverage for medical expenses, lost wages and any other special damages like pain and suffering when you are involved in an auto accident that you are legally responsible for. While bodily injury liability insurance covers any personal injury, property damage liability insurance covers any property that is damaged in an accident you are responsible for.

This next table shows the average rates for Liability Coverage in each state.

U.S. Average Annual Liability Auto Insurance Rates by State
StatesAverage Annual Liability Rates
North Dakota$298.18
Iowa$299.18
South Dakota$300.22
Wyoming$321.04
Maine$338.87
Vermont$343.12
Idaho$344.29
Kansas$358.24
North Carolina$359.42
Nebraska$364.64
Wisconsin$374.37
Indiana$382.68
Montana$386.29
Arkansas$394.13
Alabama$394.21
Ohio$397.11
New Hampshire$400.56
Tennessee$413.91
Missouri$415.88
Virginia$425.61
Illinois$446.72
Minnesota$456.82
Hawaii$458.54
Mississippi$460.50
Oklahoma$461.01
New Mexico$488.03
California$489.66
West Virginia$491.83
Utah$497.53
Pennsylvania$499.06
Arizona$508.76
Colorado$520.04
South Carolina$527.09
Texas$528.75
Kentucky$529.21
Countrywide$538.73
Alaska$539.68
Georgia$557.38
Oregon$584.13
Washington$596.67
Massachusetts$606.04
Maryland$609.74
District of Columbia$628.82
Connecticut$650.94
Nevada$681.56
Rhode Island$759.80
Louisiana$775.83
Michigan$795.32
Delaware$799.30
New York$804.51
Florida$857.64
New Jersey$869.57
Get Your Rates Quote Now

Compare RatesStart Now →

Let’s move on to Personal Injury Protection, or PIP for short. PIP will pay for any necessary medical expenses that are a result of an auto accident. This should answer the question “Does car insurance pay for medical bills?” Personal Injury Protection may also cover the costs of rehabilitation, funeral expenses, lost earnings, and replacement of services like childcare.

Here is a video further explaining Personal Injury Protection.

Collision insurance provides coverage for your automobile when it rolls over or is in a collision with another vehicle or object. This next video will further explain collision coverage.

Here is a table showing the averages for collision in each state.

U.S. Average Annual Collision Auto Insurance Rates by State
StatesAverage Annual Collision Rates
South Dakota$208.58
Idaho$219.05
Iowa$219.75
Wisconsin$226.00
Oregon$226.83
Minnesota$234.40
Nebraska$237.13
North Dakota$244.09
Indiana$250.29
Maine$259.98
Kansas$263.33
South Carolina$265.07
Montana$265.32
Washington$265.74
Utah$265.90
Kentucky$267.91
Ohio$269.84
Missouri$275.28
New Mexico$276.98
Arizona$277.96
Wyoming$278.83
Virginia$280.52
Florida$282.96
Colorado$287.00
North Carolina$293.59
Vermont$295.42
Nevada$303.86
New Hampshire$307.42
Tennessee$309.07
Illinois$309.71
Hawaii$313.17
Alabama$317.96
Oklahoma$318.47
Delaware$318.77
Arkansas$321.80
Countrywide$322.61
Mississippi$323.22
Pennsylvania$327.24
West Virginia$329.67
Georgia$331.83
Alaska$350.81
Maryland$353.99
Connecticut$368.51
Texas$374.49
New Jersey$381.86
New York$385.02
Massachusetts$388.28
California$396.55
Rhode Island$411.51
Michigan$413.83
Louisiana$414.36
District of Columbia$468.67
Get Your Rates Quote Now

Compare RatesStart Now →

Comprehensive coverage covers damage to a vehicle when it is damaged by something other than a collision. These possibilities include theft, vandalism, hail, fire, wind, and flooding, as well as any damage caused by hitting an animal.

You are protected in a vehicle besides your own only if you are renting a car or borrowing a car to act as a temporary substitute for your own vehicle. This should answer the question, “Does my fully comprehensive insurance cover driving any car?”

This next video will further explain comprehensive coverage.

Here are the state averages for comprehensive coverage.

U.S. Average Annual Comprehensive Auto Insurance Rates by State
StatesAverage Annual Comprehensive Rates2014201320122011Average
Alabama$156.31$151.40$146.91$140.60$136.19$146.28
Alaska$137.26$140.15$141.68$142.96$143.36$141.08
Arizona$186.12$185.63$180.88$180.97$187.38$184.20
Arkansas$190.41$193.34$185.45$176.51$171.10$183.36
California$100.54$98.73$97.80$99.34$100.02$99.29
Colorado$174.61$167.94$158.50$147.69$142.95$158.34
Connecticut$131.62$130.80$126.34$121.57$119.78$126.02
Countrywide$148.04$143.45$137.77$133.30$131.80$138.87
Delaware$122.49$116.49$112.21$108.49$106.45$113.23
District of Columbia$233.24$233.65$230.19$227.97$226.22$230.25
Florida$116.53$111.68$106.88$105.66$109.86$110.12
Georgia$159.18$154.05$150.65$151.16$153.03$153.61
Hawaii$101.56$98.01$95.18$101.41$104.28$100.09
Idaho$116.55$114.05$108.06$107.55$107.69$110.78
Illinois$128.13$124.89$116.34$110.54$110.00$117.98
Indiana$122.06$117.25$112.34$113.31$110.13$115.02
Iowa$183.53$178.45$171.71$164.52$159.67$171.58
Kansas$267.91$238.67$226.19$211.94$208.56$230.65
Kentucky$141.39$133.55$128.20$124.11$123.49$130.15
Louisiana$215.17$211.90$203.52$204.69$207.68$208.59
Maine$104.98$97.35$95.40$94.60$90.95$96.66
Maryland$152.72$149.70$147.29$143.24$140.88$146.77
Massachusetts$134.96$132.64$129.97$125.88$121.13$128.92
Michigan$154.85$149.11$144.74$142.50$143.88$147.02
Minnesota$184.27$180.52$171.87$166.49$162.06$173.04
Mississippi$210.33$201.01$190.98$186.58$184.79$194.74
Missouri$181.27$175.70$163.62$155.98$155.14$166.34
Montana$211.91$210.48$198.70$190.62$187.65$199.87
Nebraska$229.25$223.03$205.36$192.56$181.00$206.24
Nevada$117.63$117.20$114.77$114.45$119.89$116.79
New Hampshire$110.77$106.62$102.02$99.24$96.52$103.03
New Jersey$131.35$126.26$122.54$117.64$118.10$123.18
New Mexico$172.57$167.70$162.39$163.02$168.75$166.89
New York$171.12$165.07$155.65$147.33$144.13$156.66
North Carolina$136.08$130.37$121.66$115.06$111.83$123.00
North Dakota$231.04$233.06$229.05$225.42$219.63$227.64
Ohio$121.61$117.58$113.02$107.30$104.21$112.74
Oklahoma$225.84$219.85$197.45$185.01$179.63$201.56
Oregon$93.87$90.79$86.53$86.92$90.21$89.66
Pennsylvania$144.21$138.27$131.71$124.28$121.57$132.01
Rhode Island$132.19$125.17$118.86$116.41$118.21$122.17
South Carolina$180.94$175.19$165.41$156.22$149.16$165.38
South Dakota$258.11$242.27$227.31$214.07$201.21$228.59
Tennessee$148.45$144.60$136.73$126.31$122.03$135.62
Texas$206.42$192.33$186.11$176.41$172.24$186.70
Utah$109.50$109.56$106.91$103.18$103.69$106.57
Vermont$125.48$120.18$118.70$116.45$110.74$118.31
Virginia$136.54$134.50$130.00$125.87$122.53$129.89
Washington$106.38$104.88$101.12$102.61$105.55$104.11
West Virginia$204.28$200.10$195.28$189.20$186.32$195.04
Wisconsin$136.81$132.64$127.49$119.69$115.07$126.34
Wyoming$247.57$235.25$221.02$212.43$198.01$222.86
Get Your Rates Quote Now

Compare RatesStart Now →

Finally, AmGUARD offers uninsured and underinsured coverage. Uninsured/underinsured coverage is the best way to protect you from drivers that either do not have or do not have enough auto insurance. If you have an auto accident with such a driver and the accident is their fault, your insurance will cover your costs when theirs does not. Please refer to the following link to find out what to do after a car accident.

This video further details these two forms of coverage.

Let’s take a look at AmGUARD’s bundling options, if any.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

What are AmGUARD’s bundling options?

Berkshire Hathaway GUARD’s webpage states that they offer a Businessowner’s Policy (BOP) that exists to make the process of buying insurance more simplistic. This plan bundles traditional property coverage and liability protection with the option for more “Add-Ons”. They claim that it is tailored to fit the needs of their customers.

What the website doesn’t make clear is what subsidiaries of Berkshire Hathaway offer this Businessowner’s Policy. However, since it is eponymously named as coverage for business owners and AmGUARD serves medium-sized businesses, it is logical that they offer it.

What are discounts offered by AmGUARD?

The most straightforward information to be found on available discounts comes from Assistant Vice President of Marketing Elizabeth Hartman, who states, “We can provide a great service to agents. Our product is competitively priced with discounts available when two or more lines are purchased as well as additional discounts based on unique business characteristics.”

Reading into this, it is obvious that the company offers a discount for holding multiple coverages under the same policy. The latter portion is more vague. Should you speak with an AmGUARD agent, you will want to inquire as to what discounts are available for your particular type of business.

What programs are available from AmGUARD?

Berkshire Hathaway GUARD lists what they call “Program Clients”. These are industries with hazards specific to them that warrant special consideration.

They are the following:

  • Accountants
  • Attorneys
  • Auto Dealer Associations
  • Bowling Centers
  • Chambers of Commerce
  • Hotel Franchises
  • Municipalities
  • Pharmacy Associations
  • Restaurant Chains
  • Retail Associations
  • Tow Trucks

Should you be in one of these industries, further inquire with your AmGUARD agent about what specialized programs they can offer you.

Canceling Your AmGUARD Car Insurance Policy

While there is not a tab on their webpage for cancellations, there are numerous ways to access the site as a policyholder.

Is there a cancellation fee?

There is not a cancellation fee listed, but it is not explicitly stated that there is not a cancellation fee.

Is there a refund?

Like a potential cancellation fee, there is no information to suggest that a refund option exists or doesn’t exist.

How do you cancel?

AmGUARD’s webpage has a Customer Center where policyholders can submit their personal information

  • Name
  • Title
  • Phone Number
  • Email
  • Policy or Claim Number
  • Agent’s Name

A policyholder can also access the Agency Service Center Log-in by entering your User Code and Password.

When can I cancel?

There is no timeline established on their webpage for cancellations.

How to Make an AmGUARD Auto Insurance Claim

Berkshire Hathaway GUARD’s webpage has a tab for claims submission should you be a policyholder with them or a subsidiary. There is also a phone number (1-888-639-2567) and fax number (1-570-825-0611).

AmGUARD Insurance’s “Make a Payment” page also requires policyholders to log-in. Upon doing so, one may possibly be allowed to cancel their policy after submitting their information.

Let’s discuss ratings for AmGUARD auto insurance.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

AmGUARD: Auto Insurance Ratings

Berkshire Insurance Group reviews match AmGUARD, meaning that AmGUARD has a Financial Strength Rating of A+ (Superior) and a Long-Term Issuer Credit Rating of aa-.

This rating also applies to WestGUARD Insurance Company, EastGUARD Insurance Company, NorGUARD Insurance Company, and AZGUARD Insurance Company.

AmGUARD Auto Insurance Review: The Bottom Line

Before we wrap this up, take a look at this table of fun facts about AmGUARD.

Key Facts About AmGUARD
AmGUARD FactsSource
Amguard is a subsidiary of Berkshire Hathaway.guard.com
Berkshire Hathaway GUARD Insurance Companies is the trade name for WestGUARD Insurance Companyguard.com
Other Subsidiaries of Berkshire Hathaway: AZGUARD Insurance Company, EastGUARD Insurance Company, NorGUARD Insurance Companyguard.com
Outside of auto insurance, there is also GUARDCo Incorporated, which is a licensed and accredited company in the medical management industry.guard.com
Berkshire Hathaway GUARD Insurance Companies provide Commercial and Personal Insurance as well as Excess & Surplus Insurance.guard.com
Other coverages offered: Businessowner's, Commercial Auto, Commercial Package, Commercial Property, Commercial Umbrellaguard.com
Even more coverages offered: General Liability, Homeowners, Personal Umbrella, Professional Liability, and Workers' Compensation.guard.com
Get Your Rates Quote Now

Compare RatesStart Now →

As a subsidiary of Berkshire Hathaway, AmGUARD is in very reputable and financially stable company. If you are an operator of a mid-size business, it would not be unwise to seek out their services.

Furthermore, the specialized programs they offer are appealing should you be within one of the niche industries they cater to.

Did you come to this article looking for AmGUARD auto insurance quotes or hoping to buy AmGUARD car insurance? Now that you’ve finished this AmGUARD auto insurance review, enter your ZIP code into our free tool below to find affordable car insurance quotes near you.

Frequently Asked Questions: AmGUARD Auto Insurance Review

Hopefully we have answered all your questions, but just in case, take a look at some common questions below.

What is Berkshire Hathaway’s insurance rating on A.M. Best?

A.M. Best gives them a Financial Strength Rating of A+ (Superior) and the Long-Term Issuer Credit Rating of aaa.

Are there Berkshire Hathaway Specialty Insurance reviews?

Customers have given them a 3.14 rating out of 5 stars. 33% of policyholders said they would renew their policy while 50% said they would recommend the company to a friend.

What is the GUARD Insurance appetite guide?

This tool allows their agents to evaluate risk.

Is their Berkshire Hathaway truck insurance?

Yes, they offer coverage to the trucking industry.