InsuredBetter's AssuranceAmerica Score
2.5 Stars
Founded in 1998, AssuranceAmerica is a privately held company that provides property and casualty insurance to the non-standard private automobile segment in Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia.
AssuranceAmerica is headquartered in Atlanta, GA, and depends on a network of independent insurance agencies to sell policies.
AssuranceAmerica has not been rated by AM Best or any other major financial ratings agency, and it currently receives an "F" rating from the Better Business Bureau (BBB).
We award AssuranceAmerica a final rating of 2.5 out of 5 stars. Customers who need non-standard coverage in order to drive legally because of past issues with their driving record should consider AssuranceAmerica.
The company offers three tiers of coverage, so you can protect your own car in addition to simply purchasing state-mandated liability coverage. And you can buy your policy with the help of an independent insurance agent. The company’s find-an-agent tool will even help you find a local agent.
Unfortunately, AssuranceAmerica does not have any ratings that reflect its financial strength and stability. It’s important to know if an insurance company will be there to pay claims when you need them. Without outside evaluation, it’s impossible to know the exact financial condition of AssuranceAmerica. This should at the very least give prospective customers pause in purchasing a policy.
The high quantity of complaints and failing BBB rating are also serious concerns.
If, however, a policy fits your needs and budget, AssuranceAmerica may be an option for certain high-risk drivers. If you live in AssuranceAmerica’s service area, you can get help evaluating AssuranceAmerica by working with a local independent insurance agent.
AssuranceAmerica Pros and Cons
| Pros: | Cons: |
|---|---|
Provides auto insurance to high-risk drivers with a history of collisions, infractions, or spotty insurance payments
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Only available in 10 states
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Offers several online tools like find an agent, quoting, and bill pay
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Targets customers that are high-risk drivers with speeding tickets, accidents, or DUIs on their records
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Affordable basic coverage for drivers with difficulty getting coverage elsewhere
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Has not been rated by AM Best
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Donates 5% of profits to charity
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“F” rating from the BBB and high complaint volume
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AssuranceAmerica Products
AssuranceAmerica offers only auto insurance for certain high-risk drivers in the following states.
- Alabama
- Arizona
- Florida
- Georgia
- Indiana
- Missouri
- Nebraska
- South Carolina
- Texas
- Virginia
If you live and drive in one of these states and are having trouble finding auto insurance because of your driving record, contact a local independent insurance agent to learn more about the coverage offered by AssuranceAmerica.
What Discounts Does AssuranceAmerica Offer?
AssuranceAmerica does not offer on its website any information about discounts. If you're interested in coverage from AssuranceAmerica, an independent insurance agent can help you uncover ways to save.
AssuranceAmerica Customer Service
Here's what to know about AssuranceAmerica’s customer service options.
- Customers can contact AssuranceAmerica via phone, fax, or email
- The customer service office hours have the following restrictions:
Customer Service Hours (EST)
| Days | Hours |
| Monday-Friday | 8:00 a.m.-7:00 p.m. |
| Saturday | 9:00 a.m.-5:30 p.m. |
Claims Service Hours (EST)
| Days | Hours |
| Monday-Friday | 8:00 a.m.-5:00 p.m. |
| Claims reporting | 24/7 |
AssuranceAmerica’s customers are encouraged to work with their independent insurance agents, who can provide even more personalized service. If you have questions or concerns about your policy, an independent agent can advocate on your behalf.
AssuranceAmerica FAQs
What is AssuranceAmerica’s average claims response time frame?
AssuranceAmerica does not publish information about its average claims response time.
What is AssuranceAmerica’s customer service availability?
Customer service is available by phone, email, and fax. The company offers an online find-an-agent tool, online quoting capability, 24/7 claims reporting, and an online customer self-service site where customers can make a payment and more.
What is AssuranceAmerica’s claims process?
Claims can be reported to AssuranceAmerica 24/7 by phone. Regular claims service hours are Monday through Friday, 8:00 a.m. to 5:00 p.m. EST. Claim information can also be sent to AssuranceAmerica by regular mail, and can be reported online through the company’s online self-service tool.
Does AssuranceAmerica insurance create a user-friendly experience for customers?
AssuranceAmerica has an easy-to-navigate website that offers some options for online self-service, including making payments, finding an agent, and reporting claims. But more detailed information about the company and its coverage options is nearly non-existent. Customers will find the most personalized service by contacting their independent insurance agents.
Does AssuranceAmerica have good auto insurance?
AssuranceAmerica offers three tiers of auto insurance coverage for high-risk drivers, allowing these drivers the ability to meet the insurance requirements of their states and drive legally.
- Minimum coverage: Provides only the legal minimum insurance coverage required by your state
- Full coverage: Includes comprehensive and collision coverage for your vehicle, in addition to liability insurance to meet your state’s requirements
- Premium coverage: Includes liability coverage, comprehensive and collision coverage, uninsured motorist coverage, and medical payments coverage
Auto insurance from AssuranceAmerica can be customized with the option of adding personal injury protection (PIP), towing, and accidental death coverage. The company does not offer liability coverage that is greater than the minimum amount required by your state. Customers cannot raise their liability insurance limits.
Is AssuranceAmerica a good insurance company?
AssuranceAmerica offers high-risk drivers a chance to obtain insurance coverage and drive legally. The company serves an important purpose for individuals who otherwise may not be able to get affordable coverage, or any coverage at all. The company is not rated for its financial strength, and it has received a high volume of complaints from customers.
Sources
https://www.assuranceamerica.com
https://www.thezebra.com/insurance-companies/assuranceamerica-insurance-reviews-coverage-options-and-ratings/
https://www.bbb.org/us/ga/atlanta/profile/auto-insurance/assurance-america-0443-28133374
