Selective Insurance Company of America Auto Insurance Review (2020)

Based in New York, Selective Insurance Company of America offers business and personal insurance products. It reported assets of $1.25 billion in 2010.

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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: Aug 25, 2020

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Company Details
Address: 26 Century Hill Drive, Suite 202
City: Latham
State: New York
ZIP Code: 12110
Phone Number: 518-785-5340
Year Founded: 1926
AM Best Rating: A+
Company Rating 1 (3 reviews)

Things to Remember...

  • Selective Insurance Company of America was established in 1926
  • Based in New York, they offer business and personal insurance products
  • Auto insurance from Selective Insurance meets the requirements of the laws of your individual state

A Selective Insurance Company of America auto insurance review leads to Selective Insurance, a company based in New York that sells business insurance and personal insurance.

Established in 1926 as part of a general store, Selective has grown from $20,000 in assets in 1926 to $1.25 billion in 2010. It has offices located throughout the United States.

Because of the accomplishments of Selective Insurance within the insurance industry, it was recently named in Fortune Magazine as #993 among the top 1000 insurance companies in the nation.

If you are looking for personal auto insurance coverage, enter your zip code in the free box above to compare auto insurance quotes from top companies, now!

Selective Insurance Traditional Personal Insurance Products

Selective Insurance has a wide range of insurance products for individuals who want to protect their assets.

Auto, home, apartment, renters, condo, rental property, umbrella, and flood insurance are all available in the personal line of insurance products from Selective Insurance. Each policy is customized to meet the needs of the individual by a highly trained agent.

Auto insurance from Selective Insurance meets the requirements of the laws in the state that you live.

There are also several car insurance discounts offered by Selective Insurance, including multiple policy discounts, defensive driving course credit, good grade discounts for students, and paying your bill on time discounts.

Selective Insurance also offers homeowners insurance and renter’s insurance.  All of these policies are written specifically for the individual once the needs of that individual are assessed.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Selective Insurance Additional Personal Insurance Products

Some people do not understand the purpose of umbrella insurance. Umbrella insurance does what its name implies: it extends the liability coverage of each personal lines policy should something major happen.

Umbrella insurance is designed specifically for legal situations.

If something happens on your property, in a vehicle you own, or on a recreational vehicle that you own that results in death or severe injury, a lawsuit may be filed against you.

Many people do not know that flood insurance is not part of a traditional homeowners insurance policy. Flood insurance is a separate policy that needs to be added onto a homeowners policy.

Selective Insurance Business Insurance Products

Selective Insurance offers insurance products for businesses, but they do not cover all types of businesses.

They write policies for:

  • Auto care
  • Civic organizations
  • Fire departments
  • Contractors
  • Golf courses
  • Hotels
  • Manufacturers
  • Municipalities
  • Private schools
  • Professional offices
  • Religious organizations

These types of organizations can choose from business owner’s policies, general liability, identity recovery policies, inland marine policies, property, surety, umbrella, and workers’ compensation.

Selective Insurance has agents who specialize in business accounts only. This way, they can obtain the training and skills needed to advise businesses concerning the insurance coverage they do and do not need.

It is very important for agents to understand the ins and outs of the particular business for which they are writing a policy.

Selective Insurance also offers safety management classes and training for its business clients. This is a loss prevention method that saves both the insurance company and the business money in the long run. The more claims that can be prevented, the lower the rates for the business.

If you are looking for personal auto insurance coverage, enter your zip code in the free box below to compare auto insurance rates from several different companies.




  1. Lindsey May 31, 2012
  2. Donald Leipertz September 30, 2012
  3. Alex March 23, 2017

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