AssuranceAmerica Auto Insurance Review (2022)

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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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

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 ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Sep 22, 2022

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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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.

UPDATED: Sep 22, 2022

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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Written By: Rachel BodineReviewed By: Daniel WalkerUPDATED: Sep 22, 2022Fact Checked
Quick Read

The Bottom Line

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.

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.

Is AssuranceAmerica a Good Choice?

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:

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.

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.

AssuranceAmerica Rates

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.

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AssuranceAmerica Discounts Available

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

Frequently Asked Questions

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.

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.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

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 ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

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