Republic Underwriters Auto Insurance Review for 2025 (Ratings, Prices, & Options)

This Republic Underwriters auto insurance review shows that the company no longer offers personal auto insurance, focusing instead on commercial coverage under AmTrust Financial.

Republic Underwriters Auto Insurance Rating

Rating Criteria
Overall Score	3.3
Business Reviews	3.0
Claim Processing	2.8
Company Reputation	3.5
Coverage Availability	2.4
Coverage Value	3.1
Customer Satisfaction	2.5
Digital Experience	3.5
Discounts Available	4.3
Insurance Cost	3.9
Plan Personalization	3.5
Policy Options	2.5
Savings Potential	4.1

Now, Republic Underwriters insures business-use vehicles such as delivery vans, fleets, and specialty trucks, with monthly rates starting around $54. Pricing depends on driving history, vehicle type, and safety features.

This review outlines the company’s transition, current coverage options, how to get a quote, and the main factors that affect commercial auto insurance rates, like vehicle usage, claims history, and available bundling discounts. If you’re shopping for small business or fleet insurance, Republic Underwriters may still offer good value through its commercial policies.

Before buying Republic Underwriters auto insurance, enter your ZIP code into our free quote comparison tool above and compare rates from reputable providers near you.

Republic Underwriters Car Insurance Cost

Since AmTrust now manages all Republic Underwriters policies, the rates you see reflect how AmTrust structures commercial auto pricing across different age groups and driving histories.

Republic Underwriters Auto Insurance: Monthly Rates by Coverage Level

Republic Underwriters auto insurance shows a clear trend of lower monthly premiums as drivers age, with 65-year-old females paying just $107 for minimum coverage compared to $475 for 16-year-old males—highlighting how age and experience directly impact your auto insurance premium. Full coverage follows a similar pattern, peaking at $725 for young males and dropping to $185 for senior females.

Driving history also plays a major role in pricing, with clean-record drivers paying only $27 per month versus $47 for those with a DUI. These numbers highlight how age, gender, and driving record significantly impact Republic Underwriters rates, especially for younger or riskier drivers. For budget-conscious business owners or drivers with clean records, Republic Underwriters commercial auto plans can offer strong value.

Republic Underwriters vs. Top Auto Insurance Providers

Now that AmTrust writes and manages all Republic Underwriters policies, the rates shown here reflect how AmTrust positions its commercial auto offerings in the broader insurance market. Looking at the auto insurance rates in this table, it’s clear there’s a wide range depending on the provider and the type of coverage.

Auto Insurance Monthly Rates by Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$87	$228
	$76	$198
	$43	$114
	$96	$248
	$63	$164
	$56	$150
	$62	$155
	$47	$123
	$53	$248
	$32	$84

For minimum coverage, USAA stands out with the lowest rate at just $32, while Liberty Mutual is at the high end with $96. When it comes to full coverage, the same trend continues—USAA is again the most affordable at $84, while Liberty Mutual and Travelers both hit the top mark at $248.

Republic Underwriters by AmTrust sits comfortably in the middle with $62 for minimum and $155 for full coverage, which suggests it might be a solid pick for balanced value. These comparisons make it easier to see how pricing varies by company and help pinpoint which ones offer the best deal based on the type of coverage you’re after.

Republic Underwriters Commercial Auto Insurance Rates Breakdown

Republic Underwriters policies are now fully underwritten and managed by AmTrust, which influences how their commercial auto rates are structured. When comparing rates across top providers, it’s clear that Republic Underwriters (via AmTrust) sits near the middle of the pack for all driving profiles.

Full Coverage Auto Insurance Monthly Rates by Driving History

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$228	$268	$321	$385
	$198	$247	$282	$275
	$114	$151	$189	$309
	$248	$302	$335	$447
	$164	$196	$230	$338
	$150	$199	$265	$200
	$155	$195	$245	$310
	$123	$137	$146	$160
	$141	$192	$199	$294
	$84	$96	$111	$154

For drivers with a clean record, USAA offers the lowest monthly rate at $105, while Liberty Mutual is the priciest at $135. Rates jump significantly for drivers with a DUI—Republic Underwriters’ $280 per month is more affordable than Allstate or Liberty Mutual, which hit $310 and $320, respectively.

Understanding how auto insurance companies check driving records is key to making sense of these rate differences. Even a single ticket or accident can raise your premium by $30–$80, depending on the carrier. Knowing where each provider stands for your specific driving history can help you save more over time.

Republic Underwriters Insurance Discounts

Republic Underwriters discounts are now administered through AmTrust, which oversees all policy operations and pricing. That means these savings reflect AmTrust’s approach to commercial auto underwriting, not just Republic’s legacy offerings. Republic Underwriters offers a strong lineup of auto insurance discounts that can meaningfully lower your premium if you qualify.

Republic Underwriters Auto Insurance Discounts

Discount
Safe Driver	25%
Bundling	15%
Good Student	10%
Multi-Car	15%
Defensive Driving	7%
Anti-Theft	7%
Low Mileage	10%
Paid-in-Full	8%
Auto Pay / Paperless	5%
New Customer	7%

Safe drivers get the biggest break at 25%, while bundling policies or insuring multiple cars can each save you 15%. Students and low-mileage drivers can also benefit from 10% off. Smaller perks like paperless billing, paying in full, or having an anti-theft device may only knock off 5–8%, but they can still add up.

If you’ve recently switched or stayed loyal to the company, there’s another 7% discount in play. These savings highlight how auto insurance discounts can make even commercial or specialized policies more affordable when you take advantage of every available offer.

Republic Underwriters Auto Insurance Rates by Credit Score

Because AmTrust now sets the underwriting standards for all Republic Underwriters policies, the credit-based pricing shown below reflects AmTrust’s risk evaluation model. The numbers here show just how much your credit score can impact what you pay for coverage. If you have good credit, you’ll pay around $125 per month for full coverage.

Republic Underwriters Auto Insurance: Monthly Full Coverage Rates by Credit Score

Credit Level
Good (670–739)	$125
Fair (580–669)	$170
Poor (300–579)	$220

But if your score drops to fair, that rate jumps to $170, and it climbs even higher to $220 with poor credit. That’s a $95 difference between top and bottom-tier credit ratings. This table is a clear example of how credit scores affect auto insurance rates—insurers see lower credit as a potential risk factor, which translates to higher premiums. So improving your score can mean serious savings over time.

Republic Underwriters Auto Insurance Ratings & Customer Satisfaction

Since all Republic Underwriters policies are now backed and administered by AmTrust, these ratings also reflect the performance and oversight of one of the nation’s major commercial insurers. If you’re wondering where to compare auto insurance rates and how Republic Underwriters stacks up, take a look at these ratings—they tell a mixed but revealing story.

Republic Underwriters Auto Insurance Group Ratings & Consumer Reviews

Agency
	Score: A Excellent Financial Strength
	Score: A+ Excellent Business Practices
	Score: 72/100 Average Customer Satisfaction
	Score: 865 / 1,000 Above Average Satisfaction
	Score: 2.85 More Complaints Than Average

A.M. Best gives Republic Underwriters an “A” for strong financial stability, and the BBB backs that up with an A+ for business practices, which is reassuring if you’re focused on company trustworthiness. J.D. Power scores are solid at 865 out of 1,000, indicating above-average satisfaction, and Consumer Reports places them right in the middle at 72 out of 100.

The one red flag is the NAIC complaint index at 2.85, which shows more complaints than the national average. So while Republic Underwriters looks good on paper for reliability, it’s smart to weigh customer experience too, especially if you’re actively researching where to compare auto insurance rates.

Commercial Auto Insurance Rates With Republic Underwriters

There are several factors affecting Republic Underwriters commercial auto insurance rates. For example, the type and usage of vehicles, employee driving records, and the overall safety record of the business cause insurance premiums to fluctuate.

However, having safety features on the vehicles reduces costs and offers savings for businesses intending to insure their automobiles. Learning which cars have the lowest auto insurance premiums gives you an idea of how to save money on auto insurance.

How to Cancel Your Republic Underwriters Policy

Before buying insurance from any provider, understanding how to cancel auto insurance is crucial. This knowledge will be useful when you decide to stop your policy or shift to another insurance company.

Contact AmTrust at (877) 528-7878 for general inquiries and policy cancellation.

To cancel your existing policy with Republic Underwriters Ins. Co., contact the insurance agent who manages it and notify them about your intent to cancel. Alternatively, you can directly go to AmTrust if they manage your policy.

Republic Underwriters Insurance Claims Filing

It is essential to know how to file an auto insurance claim with Republic Underwriters Insurance Company to determine if the company is right for you. You don’t want to wait until you experience an accident before learning how to file or whether their claims processing meets your expectations.

To file a claim with Republic Underwriters Insurance, contact your local agent or visit the parent company’s official site through the Republic Underwriters Insurance Company website. You can also reach out directly by calling the Republic Underwriters Insurance Company phone number at (877) 528-7878 for assistance.

Republic Underwriters Insurance Coverage Options

Republic Underwriters Insurance Company is currently focusing on supporting AmTrust in its commercial and specialty insurance products. Here is a list of what they currently offer:

• Workers’ Compensation Insurance: Provides coverage for employee’s injuries or work-related illnesses.
• Business Owners Policy (BOP): Combines general liability and property insurance for small businesses.
• Commercial Package Policies: Offers policy options for property, liability and other exposures.
• General Liability Insurance: Protection against claims involving bodily injury or property damage.
• Cyber Insurance: Republic Underwriters Insurance Company provides protection against cyber threats like data breaches and ransomware attacks.

Additionally, their parent company, AmTrust Financial, offers commercial auto insurance to businesses with other existing policies, like workers’ compensation and general liability insurance. It covers company cars, trucks, fleet vehicles, specialty vehicles like food trucks, and construction vehicles.

It includes liability coverage for accidents, vehicle damage, and protection against uninsured or underinsured motorists. Additional options such as fleet, non-owned, and hired auto coverage are available for businesses with specific needs, depending on the recommended auto insurance coverage for their industry and vehicle use.

Pros and Cons of Republic Underwriters Auto Insurance

Republic Underwriters Insurance Company is known for providing specialized commercial lines products like commercial auto insurance, and choosing them gives you the same benefits as their parent company, including the following:

• Specialized Coverage Options: Republic Underwriters Insurance Company provides a variety of specialized coverage like commercial auto and property.
• Strong Regional Focus: Provides personalized solutions with a deep understanding of the local market.
• Financial Stability: Backed by AmTrust Financial, Republic Underwriters benefits from solid financial support, ensuring reliability in claims handling.

These advantages garner trust from the people due to the backing of one of the largest private companies in America, as listed by Forbes. However, there are also drawbacks, like any other insurance company. The disadvantages are as follows:

• Limited Personal Lines Products: Republic Underwriters no longer offers personal auto or homeowners insurance, which may not suit customers looking for bundled personal policies.
• Restricted Availability: Their focus on regional markets may limit access to services in certain areas outside their primary service regions.

Due to the limited personal lines products and availability restrictions, some customers may look for other companies instead. If you have already decided to buy auto insurance to get multiple auto insurance quotes.

One Reddit user shared their experience researching AmTrust Financial, pointing out its focus on niche markets, solid financials, and dependable underwriting—though they also flagged concerns about legal risks and heavy market concentration.

Republic Underwriters Auto Insurance Now Under AmTrust

Republic Underwriters auto insurance review reveals a company that’s shifted fully into the commercial space, prioritizing coverage for fleets, work trucks, and specialty business vehicles. Since merging under AmTrust, Republic Underwriters has focused on practical policy features—like liability, hired/non-owned vehicle protection, and options for bundling with workers’ comp.

Ratings from A.M. Best and the BBB show strong financial and ethical standing, but a high NAIC complaint index raises concerns. If you’re learning how to evaluate auto insurance quotes, factor in service reputation and claims support—especially when considering Republic Underwriters for commercial coverage.

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