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: 5500 Interstate North Pkwy Ste.600
City: Atlanta
State: GA
ZIP Code: 30328
Phone Number: 1-800-450-7857
Website: http://www.assuranceamerica.com/
Year Founded: 1998
AM Best Rating: N/A
Company Rating 1.17 (24 reviews)

Things to Remember...

  • AssuranceAmerica Corporation is an insurance underwriting company
  • AssuranceAmerica offers non-standard wholesale and retail insurance options
  • AssuranceAmerica works with two other companies as subsidiaries


AssuranceAmerica Auto Insurance Overview
Key InfoDetails
Year Founded1998
Current ExecutivesJoseph K. Skruck, President and CEO
Daniel J. Scruggs, SVP and CFO
Ralph Gravelle, CIO
Number of Employees51–200
Headquarters Address5500 Interstate North Pkwy., Ste 600
Atlanta, GA 30328
Phone Number1-800-450-7857
Company Websitewww.assuranceamerica.com
Premiums Written166,367,000
Loss Ratio61.98%
Best ForNon-standard or high-risk auto insurance
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Researching the best auto insurance companies can be complicated and time-consuming, especially if the information you need is spread all throughout the internet. In this AssuranceAmerica auto insurance review our experts have done this work for you and have it all in our guide below for your easy reference.

We tell you what you need to know about AssuranceInsurance Corporation including AssuranceAmerica renters insurance and car insurance. Before jumping into this AssuranceAmerica auto insurance review, see competitive auto insurance quotes from multiple providers by entering your ZIP code now.

AssuranceAmerica Auto Insurance Rates

AssuranceAmerica operates through four distinct entities:

  • AssuranceAmerica Insurance Company (AAIC)
  • AssuranceAmerica Managing General Agency
  • TrustWay Services
  • InsureMax Insurance Agencies, Inc.

AssuranceAmerica doesn’t publish its rates specifically, but 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:

Calculating Average Annual Bodily Injury & Property Damage Auto Insurance Rates by ZIP Code & 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 step 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 involved.

The base rate isn’t really the lowest car 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 happen to have as many as 30 points on your license. You will 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 amount to 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 are 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
CompaniesClean RecordWith One Speeding ViolationWith One AccidentWith 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, they will need to charge you a higher rate in order to pay for them.

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AssuranceAmerica Auto Insurance Coverages Offered

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 get 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.

This video clip from ABC Channel 10 in Chicago provides some good examples for you to keep in mind:

Also, remember that the insurance laws in your own state may differ from those in Illinois.

AssuranceAmerica Agents

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 agents are chosen to represent the company and its products. These agents may or may not represent other car insurance companies with similar products.

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

AssuranceAmerica Availability by State

With thousands of local agencies in the states where AssuranceAmerica is active, finding a local office is as simple as running an Internet search on the company name and the state. You can also use the search feature on AssuranceAmerica’s website.

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 maintains three locations. The company’s headquarters are located in Atlanta, GA, but there are also offices in Tampa, FL, and Dallas, TX.

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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 as 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 the company interacts with its customers. You can read the AssuranceAmerica BBB comments yourself on the BBB web site.
  • 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. 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 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 Contact Information

You can contact AssuranceAmerica by phone, FAX, e-mail, or U.S. mail, as follows:

AssuranceAmerica Auto Insurance Contact Information
Contact InformationCustomer ServiceClaims
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 Addresscustomer_service@aainsco.comclaims@aaiclaims.com
Fraud ReportingNAsiu@aainsco.com
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AssuranceAmerica doesn’t have much functionality within its web site, 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.

How to Make an AssuranceAmerica Auto Insurance Claim

AssuranceAmerica provides a toll-free telephone number on its website for individuals needing to make an auto insurance claim.

This claim 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 will be directed on how to proceed with your claim.

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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.

Now that you’ve finished this AssuranceAmerica auto insurance review, enter your ZIP code below to compare rates.

Frequently Asked Questions: AssuranceAmerica Auto Insurance Review

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

#1 – Can AssuranceAmerica 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 login?

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

#3 – Where do I find an AssuranceAmerica agent in Indiana?

You can search on Indiana Zip codes using the company’s “Find an Agent” search feature on its web site.

#4 – What is the NAIC number for AssuranceAmerica?

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

#5 – Where do I find the AssuranceAmerica Insurance app?

The company does not currently have an app available to customers.

#6 – What is the best AssuranceAmerica Insurance phone number to use?

For claims, you can call toll-free, 24/7 at 1-888-580-8134. For customer service, you can call toll-free at 1-:800-450-7857.

#7 – How can I find AssuranceAmerica Insurance near me?

Using the company’s “Find an Agent” search feature on its web site, enter your ZIP code to find an AssuranceAmerica near you.

#8 – Why is my AssuranceAmerica 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.

#9 – Who owns AssuranceAmerica?

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

#10 – How do I find out about a career with AssuranceAmerica?

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 insists 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.

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

No, these are two separate companies. There are other companies with similar names. One is Assure America; Auto insurance is only one component of the holistic insurance services they provide. 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.