AssuranceAmerica Auto Insurance Review (2021)

AssuranceAmerica auto insurance is offered in only 10 states and serves mostly high-risk drivers—those with speeding tickets, accidents, or DUIs on their driving record. Keep reading our AssuranceAmerica auto insurance review to find out what kind of rates to expect as a high-risk driver. Scroll down to read company ratings, customer reviews, and learn how to file an AssuranceAmerica insurance claim or cancel your coverage.

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Company Details
Address: 5500 Interstate North Pkwy Ste.600
City: Atlanta
State: GA
ZIP Code: 30328
Phone Number: 1-800-450-7857
Year Founded: 1998
AM Best Rating: N/A
Company Rating 1.16 (25 reviews)

Things to Remember

  • AssuranceAmerica auto insurance coverage is available in only 10 states: Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia.
  • AssuranceAmerica car insurance targets customers that are high-risk drivers having speeding tickets, accidents, or DUIs.
  • Google Reviews lists 110 reviews, the majority of which give AssuranceAmerica a 1/5.

Researching the different types of auto insurance coverage can be complicated and time-consuming, especially if the information you need is spread out all over the internet.

In this AssuranceAmerica auto insurance review, our experts have done the work for you and have compiled all the information you need to know in this guide for your easy reference.

We tell you what you need to know about Assurance Insurance Corporation, including AssuranceAmerica renters insurance and auto insurance.

Before finding out if affordable AssuranceAmerica auto insurance is available for you, see competitive car insurance quotes from multiple providers by entering your ZIP code now.

Which states does AssuranceAmerica auto insurance operate in?

With thousands of local agencies in the states where AssuranceAmerica automobile insurance is active, finding a local office is as simple as running an internet search on the company name and the state.

It’s worth noting that some people search “Assurance American Insurance,” which can yield the right results; however, this is not the name of the company.

So, how can I find AssuranceAmerica Insurance near me? Using the company’s “Find an Agent” search feature on its website, enter your ZIP code to find an AssuranceAmerica near you.

AssuranceAmerica is currently licensed and active in the following 10 states:

  • Alabama
  • Arizona
  • Florida
  • Georgia
  • Indiana
  • Missouri
  • Nebraska
  • South Carolina
  • Texas
  • Virginia

As for its corporate offices, AssuranceAmerica Insurance maintains three locations. The company’s headquarters is located in Atlanta, GA, but there are also offices in Tampa, FL, and Dallas, TX.

Some may be looking for agents in specific states. For example, if you are wondering, where do I find an AssuranceAmerica agent in Indiana, you can simply search Indiana ZIP codes using the “Find an Agent” search feature on the company’s website.

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What are AssuranceAmerica auto insurance rates?

Our source for rate data doesn’t provide information about AssuranceAmerica auto insurance rates; however, we include example rates from Georgia since this company writes policies in that state and focuses primarily on high-risk drivers.

Insurance companies are required to file their rates and rating formulas within the states where they do business.

As an example, here are some of the rating assumptions that AssuranceAmerica was approved to use in the state of Georgia in 2018:

Sample Calculating of Bodily Injury & Property Damage Base Rate and Points
Auto Insurance Rate FactorsBodily Insurance (BI)Property Damage (PD)
Base Rate$417$229
ZIP Code Factor0.58–2.000.58–2.00
0 Points1.001.00
1 Point1.22–1.331.22–1.33
2 Points1.30–1.511.30–1.51
3 Points1.45–2.191.45–2.19
30 Points9.00–15.009.00–15.00
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Let’s walk through each of these so you can get an idea of how these factors all work together:

  • Base Rate BI – This is the base rate for bodily injury coverage, which pays for costs related to other people’s injuries if you are in an auto accident and are at fault. Note that some states, such as Florida, are considered “no-fault” states; their requirements and laws will be somewhat different.
  • Base Rate PD – This is the base rate for property damage coverage, which pays for damages done to other people’s property resulting from an auto accident where you were at fault.

The base rate isn’t really the lowest auto insurance rate you would pay in Georgia. It’s really the starting point for the insurance company to start building the rate that it will quote to you based on a list of other factors.

These factors, such as points related to your driving history, ZIP code, age, gender, etc. will vary by company and by state. Those included in the chart above are only some of the factors.

These factors are meant to increase the base rate according to your risk. For example:

  • If you have zero points, your factor is one. Multiply one by the base rate, and the rate is still the same. For BI, the rate would still be $417.
  • Now look at what happens if you have as many as 30 points on your license. You’ll be quoted a rate that is nine to 15 times as much as the base rate, and that’s before any other factors such as ZIP code are included.
  • For BI, the rate would be $3,753-$6,255, even before adding any other factors (Here’s our math in case you’d like the details: $417 x 9 = $3,753; $417 x 15 = $6,255).

All of these factors go into how your auto insurance risk is calculated. For example, if you have a lot of points on your driving record, it’s probably a good assumption that you’re the type of driver who needs high-risk auto insurance coverage.

If you’ve had multiple motor vehicle violations in the past, insurance companies conclude that you are more likely to be in an accident and file insurance claims in the future.

The table below shows how different driving violations affect your auto insurance rates in Georgia.

Georgia Average Annual Auto Insurance Rates by Driving Record
CompaniesAverage Annual Auto Insurance Rates With a Clean RecordAverage Annual Auto Insurance Rates With One Speeding Violation Average Annual Auto Insurance Rates With One AccidentAverage Annual Auto Insurance Rates With One DUI
Geico $1,991.22$2244.40$2,493.90$5,179.25
USAA $2,416.20$2,693.63$3,058.95$4,461.07
State Farm $3,084.80$3,384.88$3,684.98$3,384.88
Allstate $3,465.70$3,647.83$5,365.97$4363.29
Progressive $3,524.11$4102.75$6,212.74$4,157.29
Nationwide $4,993.04$6,053.51$5,859.64$9,033.42
Liberty Mutual $7,632.75$10,164.83$10,428.16$11,988.03
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Since claims cost the insurance company money, you’ll be charged a higher rate in order to cover the costs.

What discounts does AssuranceAmerica auto insurance offer?

Because AssuranceAmerican car insurance works mostly with high-risk drivers, their discounts may be limited, but it doesn’t hurt to ask about the following discounts:

  • Proof of prior auto insurance coverage discount
  • Homeowner discount
  • Military discount
  • Membership of Sam’s Club, Costco, and BJ’s discount

What are AssuranceAmerica auto insurance ratings?

AssuranceAmerica reviews are mixed in terms of national rating agencies and commonly used customer reporting sites.

  • The Better Business Bureau (BBB) rates AssuranceAmerica an A+, with 18 complaints closed in the last three years.
    • Although AssuranceAmerica is not BBB accredited, the BBB has a specific list of criteria that it uses to determine its opinion of how a company interacts with its customers. You can read the AssuranceAmerica BBB comments yourself on the BBB website.
  • Google Reviews lists 110 reviews, the majority of which give AssuranceAmerica a 1/5. The average customer review is 1.5/5 due to some ratings of 2/5 and higher.
    • There are several AssuranceAmerica complaints. The company appears to have responded to most AssuranceAmerica reviews and addressed the customer issues with specific information and details.

AssuranceAmerica has been privately held since 2011, and as such, it is not required to file documentation with the U.S. Securities and Exchange Commission, where additional corporate financial and governance information might otherwise be obtained.

AssuranceAmerica’s history includes some time spent as a public company, but the entities that existed at that time have been fully transitioned elsewhere, taken private, or otherwise closed out.

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Is AssuranceAmerica auto insurance right for you?

AssuranceAmerica Corporation is a wholesale and retail insurance underwriter offering auto insurance coverage to customers categorized as being non-standard.

The non-standard designation refers either to drivers with unusual needs or those who have been placed in a high-risk pool due to multiple accidents, violations, or DWI/DUIs.

Do I need a high-risk auto insurance company? You will if you’ve had multiple motor vehicle convictions and, as a result, regular insurance companies have refused to insure you.

If you drive without insurance, you could have your driver’s license suspended or even revoked. High-risk car insurance companies will provide the coverage you need, although you’ll certainly have to pay higher rates for it.

Getting high-risk auto insurance quotes from companies that specialize in high-risk insurance can help you with finding the coverage you need for yourself and your family.

If you happen to be in a car accident with someone who has high-risk or non-standard auto insurance, you’ll want to be sure to follow best practices and call the police so they can file a report.

This way the other driver’s information is documented for you to take to your own insurance company for follow-up.

How do I contact an AssuranceAmerica auto insurance agent?

AssuranceAmerica prefers not to write or service policies directly through its corporate office. Rather, it uses the local agent business model in which a select group of independent agents is chosen to represent the company and its products.

These agents may or may not represent other auto insurance companies with similar products.

To date, AssuranceAmerica is affiliated with more than 2,600 local agencies around the country.

Through its TrustWay Insurance Agencies subsidiary, AssuranceAmerica purchases existing local agencies from their owners.

If owners are selling their agencies because they’ve chosen to retire, TrustWay will take over the daily operations until new management can be assigned.

Owners who wish to remain part of the business maintain day-to-day operational control even after the acquisition.

AssuranceAmerica offers the services of TrustWay as a means of helping local agencies become more profitable. Trustway specializes in policies that cover state-required minimums.

Agencies further benefit through reduced overhead, national branding opportunities, a larger pool of business resources, expanded advertising opportunities, and access to more insurance products.

Local agents who are accepted into the AssuranceAmerica family through this option undergo comprehensive training in the company’s products and business practices. They can provide AssuranceAmerica auto insurance quotes.

Agents may be able to help you find other types of coverage, including renters insurance, even though AssuranceAmerica doesn’t sell it directly.

How do I file an AssuranceAmerica auto insurance auto claim?

AssuranceAmerica Insurance Company provides a toll-free telephone number on its website for claims filing purposes.

This claims service is used as a secondary option if your local agent is not available at the time.

If you can contact your local agent first, he or she will be able to provide you with more personal service aimed at getting you back on the road as quickly as possible.

Like all auto insurance companies, AssuranceAmerica and all of its local agents encourage customers to cooperate in all investigations conducted by law enforcement.

Oftentimes these investigations and the subsequent police reports generated are the keys to understanding who is at fault for an auto accident and whose insurance will pay claims.

Knowing what to do after a car accident will save you time and smooth out the long process ahead. Once you contact your local agent or the corporate office you’ll be directed on how to proceed with your claim.

These days many people enjoy the convenience of an app for making claims.

If you are wondering where do I find the AssuranceAmerica Insurance app, then you may be disappointed. The AssuranceAmerica Insurance Company does not currently have an app available to customers.

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How do you cancel AssuranceAmerica auto insurance?

You can contact AssuranceAmerica auto insurance by phone number, fax, email, or U.S. mail, as follows:

AssuranceAmerica Auto Insurance Contact Information
Contact InformationAssuranceAmerica Customer ServiceAssuranceAmerica Claims
Phone Number1-800-450-78571-888-580-8134
Local Phone Number1-770-952-02001-678-996-0110
FAX Number1-877-952-02581-888-579-8801
Local FAX Number1-770-952-02581-770-984-0170
Office HoursMonday–Friday, 8:30 a.m.–7 p.m. ETMonday–Friday, 8 a.m.–5 p.m. ET
Mailing AddressPO Box 723128
Atlanta GA 31139-0128
PO Box 725009
Atlanta GA 31139-0009
Email Address[email protected][email protected]
Fraud ReportingNA[email protected]
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AssuranceAmerica doesn’t have much functionality within its website, and it doesn’t have a mobile app. Your best options for reaching the company are those listed above; you can also contact one of its agents directly.

Contacting an agent is a great way to get an AssuranceAmerica quote. If you are wondering what is the best AssuranceAmerica Insurance Company phone number to use, it is currently 1-888-580-8134 for claims and 1-800-450-7857 for customer service.

Both numbers are toll-free and can be reached 24/7.

AssuranceAmerica Auto Insurance: The Bottom Line

AssuranceAmerica is a specialized local company that offers non-standard auto insurance to customers in 10 states. Although the company appears to be financially stable, it has some relatively unfavorable consumer ratings.

You’ll want to make sure that you have a good relationship with your insurance agent so that they can interact with the company directly and work on your behalf to resolve any issues that might arise.

Before you decide if you want to buy AssuranceAmerica auto insurance, compare quotes from other companies. Enter your ZIP code below to compare rates.

Frequently Asked Questions: AssuranceAmerica Auto Insurance Review

For some additional information regarding AssuranceAmerica Insurance, make sure you look through this section for some of the most frequently asked questions along with our accompanying responses.

#1 – Can AssuranceAmerica auto insurance add a vehicle to my policy?

Yes. You can add a vehicle to your policy by contacting your AssuranceAmerica agent, or by contacting the company directly.

#2 – How do I get an AssuranceAmerica auto insurance login?

If you’re an AssuranceAmerica customer and you wish to make an AssuranceAmerica payment online, you can register for an AssuranceAmerica auto insurance login ID and password through the company’s website.

Some may find that having an AssuranceAmerica login makes paying your bill easier. Additionally, payments can be mailed to the AssuranceAmerica Atlanta, GA office.

#3 – What is the NAIC number for AssuranceAmerica auto insurance?

If you’re an insurance agent, you may need the AssuranceAmerica NAIC number, which is 11558.

#4 – Why is my AssuranceAmerica auto insurance policy number important?

You always want to keep a copy of your vehicle’s insurance documentation in your vehicle in case of an accident or other unfortunate event.

That way, it’s easily available for you to provide to the police and the other drivers involved, and will save everyone a lot of time and hassle.

#5 – Who owns AssuranceAmerica auto insurance?

AssuranceAmerica is currently a privately-held company, so its precise ownership is not a matter of public record.

#6 – How do I find out about a career with AssuranceAmerica auto insurance?

According to the company website, AssuranceAmerica has several job openings on an ongoing basis.

The company is always looking to add to its staff in customer service, claims processing, and claims adjustment. Resumes can be submitted by visiting the company’s website and clicking on the “Join Us” tab at the top of the page.

From these three links, you can apply for jobs and upload your resume. AssuranceAmerica notes that duplicate resumes are not necessary if you plan to apply for more than one position.

Furthermore, when submitting your application and resume, you will be asked to provide voluntary identification information.

The website clearly indicates that submitting this information is not required, nor will a failure to provide it work against you in the job application process.

#7 – Is Assure Auto Insurance the same company as AssuranceAmerica?

No, these are two separate companies. There are other companies with similar names. One is AssureAmerica; auto insurance is only one component of the holistic insurance services this company provides.

Another is Auto Insurance America, which provides insurance to individuals living in New Mexico and Nevada. Lastly, American Auto Insurance, located in Chicago, offers insurance to those who reside in Illinois.

If this wasn’t confusing enough, there is also American Alternative Insurance Company, located in Delaware. AAIC Insurance offers a wide variety of both personal and commercial insurance policies in all 50 U.S. states.


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