Insura Auto Insurance Review (2020)

Insura specializes in underwriting non-standard and high-risk insurance policies. Comparing multiple quotes may reduce your rates by up to 20%.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 11, 2020

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Company Details
Address: 4450 Sojourn Drive, Suite 500
City: Addison
State: TX
ZIP Code: 75001
Phone Number: 1-800-877-0226
Year Founded: 1998
Company Rating 0 (0 reviews)

Things to Remember...

  • Insura Auto is part of the Affirmative Holdings Group
  • Affirmative provides non-standard and high-risk insurance
  • Affirmative offers insurance products in only a few select states

Insura Auto Insurance is part of the Affirmative Holdings group which underwrites non-standard or high risk insurance policies.

The company has continued to grow over the years by acquiring other non-standard insurance companies.

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Insura Auto Insurance and Affirmative Holdings Locations

Insura/Affirmative currently offers products and services in select states.

They have the ability to write policies in 40 states through its underwriting agencies and retail agencies with 201 owned stores.

Insurance is provided directly through its retail stores in:

  • Louisiana
  • Texas
  • Illinois
  • Indiana
  • South Carolina
  • Wisconsin
  • Florida
  • Alabama
  • Missouri

Another way in which their insurance policies are written are through the company’s 9,400 insurance agents or brokers in the following states:

  • Louisiana
  • Illinois
  • Texas
  • Alabama
  • California
  • Michigan
  • Florida
  • Missouri
  • Indiana
  • South Carolina
  • New Mexico

They also maintain a relationship with two unaffiliated underwriting agencies.

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Insura/Affirmative Holdings Policies

The auto insurance policies with Insura/Affirmative Holdings differ depending on the driver’s needs. There are liability only policies as well as full coverage policies.

Policies are underwritten by the insurance company, Insura, which possesses the capital and license necessary to underwrite the policy.

The underwriting agencies design the policy, distribute the policy, and handle any claims.

Lastly, the retail agency provides the sales people to sell the insurance and provide the necessary customer service.

The liability only coverage includes bodily injury coverage and property damage liability coverage; full coverage policies provide collision coverage and comprehensive insurance coverage.

Additional coverage can also be purchased and added to your policy. For example, the company offers adding towing and rental coverage or road side assistance as additional riders to your insurance policy.

Quotes can be generated on the internet by visiting the company website. Simply input some of your personal information and submit for the quote to be generated.

Insura Auto Insurance and Affirmative Holdings Agents

Insura/Affirmative Holdings Agents can be located by visiting the website.

Simply input your email address and zip code for agent information which will be sent directly to your email address.

The website also provides a section regarding its products. However, the site does not actually list the products but rather the address, phone number, and email of the underwriting agency to contact for whichever state you reside.

Any changes to your policy can be completed by contacting your agent.

Insura Auto Insurance and Affirmative Holdings Benefits

The company claims to offer its policyholders certain benefits if they qualify. For example, low down payments and monthly payment plans are available.

Immediate coverage and SR22 certificates which are usually required by the court for some high risk drivers are other options.

The company also offers a multiple vehicle discount.

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Insura Auto Insurance and Affirmative Holdings Claims

Claims for Insura/Affirmative can be filed online.

Fill out the requested information and submit. The site does not say how or when the insured will be contacted.

Claims can also be reported by calling the hotline immediately at 1-800-950-2941.

Helpful hints regarding what to do in case you are in an accident can be found on the website.

Careers at Insura/Affirmative Holdings

The website provides the option to search for jobs with Insura/Affirmative Holdings. You can create an account which will allow you to check postings frequently.

You can also search specific jobs in specific markets. The company encourages referrals, so there is an option to refer a friend and receive a bonus for doing so.

If you are a prospective agent, you can send your information via the website.

Customer Reviews of Insura Auto Insurance

Customer Reviews of Insura/Affirmative are not positive. There seem to be many complaints when it comes to filing claims.

However, the site does promote communication with its customers by allowing them to send an email directly to the company.

There is even a company newsletter that you can sign up to receive.

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