AssuranceAmerica Auto Insurance Review 2021

AssuranceAmerica auto insurance reviews is a non-standard auto insurance company covering high-risk drivers. Average monthly rates in the 10 states where AssuranceAmerica operates are $310/month, but high-risk insurance is more expensive.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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Assurance America Summary
Company InformationAssurance America Details
Year Founded2003
Current ExecutivesGuy W. Millner, Executive Chairman
Joseph J. Skruck (CPCU) President & Chief Executive
Numbers of Employees51-200 employees
Total Sales/Assets$107,839,223
HQ Address5500 Interstate North Parkway, Suite 600
Atlanta, GA 30328
Phone Number770-952-0200
Company Websitehttps://www.assuranceamerica.com/
Premiums Written$191,894,373
Best ForAuto Insurance
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Assurance auto insurance rates will be higher than average since this company writes mainly non-standard auto insurance. It does offer full coverage auto insurance for high-risk drivers as well as basic coverage. Wondering if AssuranceAmerica (also known as just Assurance) is right for you but don’t have time to do the research? No need to worry. Our AssuranceAmerica auto insurance review will tell you everything you need to know.

Before you get into this Assurance auto insurance review, take a look at rates in your local area by entering your ZIP code in the FREE comparison tool above.

What are the AssuranceAmerica auto insurance rates?

Small insurance providers like AssuranceAmerica don’t have auto insurance rates up for display, so we’ll have to rely on general auto insurance rates by state and average insurance recorded by auto insurance regulators like the National Association of Insurance Commissioners (NAIC).

AssuranceAmerica auto insurance quotes can only be obtained by contacting the company directly. There’s no option to get an AssuranceAmerica quote online.

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What is AssuranceAmerica’s availability by state?

The AssuranceAmerica Insurance Company is available in 20 states but is only active in 10 states which are:

  • Alabama
  • Arizona
  • Florida
  • Georgia
  • Indiana
  • Missouri
  • Nebraska
  • South Carolina
  • Texas
  • Virginia

Assurance American insurance does not list any rates on its website. Assurance auto insurance reviews are scarce on the internet, but we can provide you with general insurance rates in the states where this company is available. Let’s start with a few composite rates from each state.

Average Annual and Monthly Auto Insurance Rates in States with Assurance Auto Insurance
States with AssuranceAmericaAnnual Auto Insurance RatesMonthly Auto Insurance Rates
Virginia$2,358$196
Nebraska$3,284$274
Missouri$3,329$277
Indiana$3,415$285
Alabama$3,567$297
Arizona$3,771$314
South Carolina$3,781$315
Texas$4,043$337
Florida$4,680$390
Georgia$4,967$414
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Composite rates are based on the average rates from the top auto insurance companies in each state. These averages represent how much you can pay for auto insurance after all factors that determine auto insurance are in a policy.

From what we can see, Virginia is the cheapest state for auto insurance, while Georiga is the most expensive.

What types of coverage doe AssuranceAmerica offer?

We searched through the AssuranceAmerica website, but we couldn’t find any list of coverage offered. What’s clear is that AssuranceAmerica provides nonstandard and SR-22 insurance options.

Although the company doesn’t list its insurance options, you can expect liability, collision, and comprehensive coverages to be part of your auto insurance policy.

Liability car insurance coverage is the minimum requirement for American auto insurance, so you must have it. Collision and comprehensive are only required if you lease or finance your vehicle. Let’s see how the costs are for each state.

Basic Auto Insurance Coverage Rates in States with AssuranceAmerica
StatesAverage Liability RatesAverage Collision RatesAverage Comprehensive Rates
Nebraska$377$240$229
Indiana$393$252$122
Alabama$417$323$158
Missouri$436$278$183
Virginia$437$284$139
Arizona$543$281$189
Texas$550$380$207
South Carolina$554$269$182
Georgia$597$341$160
Florida$885$288$119
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Florida has the most expensive liability rate, while Texas has the most expensive collision rate.

The rates are cheaper than the composite rates. Why? The rates are based on a portion of insurance without the influence of factors that determine auto insurance.

Auto insurance will decrease or increase based on vehicle, age, gender, credit history, driving record, and the number of miles you’re expected to travel during the auto insurance policy.

What discounts are offered by Assurance auto insurance?

Auto insurance in America can be discounted if you have a good driving record, good credit, or if your vehicle has several safety features.

AssuranceAmerica doesn’t list any discounts, so you’ll have to ask Assurance insurance agents to give you details on its discount policies. You may be able to get your rates as low as Geico‘s insurance rates.

Find out what discounts you can be eligible for through our FREE comparison tool. Enter your ZIP code to get started!

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How do I cancel my Assurance auto insurance policy?

Maybe you’re already enrolled in Assurance auto insurance and you may want to cancel your Assurance auto insurance policy. Continue through this section to learn how you can cancel an Assurance auto insurance policy.

Is there a cancellation fee or refund?

Cancellation fees can be as low as $25 to cancel. Some companies have a short-rate fee, which is about 10 percent of the policy balance.

If you’ve prepaid for your auto insurance policy, you may be entitled to a refund. Auto insurance companies may give you a partial refund if you’ve used their insurance services before cancellation. Lately, auto insurance has been issuing auto insurance refunds due to COVID-19. Here’s a news report explaining auto insurance refunds due to COVID-19.

Compare auto insurance coverage rates from companies in your local area by entering your ZIP code in the FREE comparison tool below.

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How do you cancel Assurance auto insurance?

You can cancel your auto insurance by simply telling an Assurance auto insurance agent that you want to cancel. You can do this over the phone, through e-mail, or by a certified letter.

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Can I cancel Assurance auto insurance at any time?

You can cancel your auto insurance policy any time you need to, but it could come with a penalty. Penalties are different for each state in the U.S., so the penalties in Indiana are different than New York’s.

The best time to cancel is 15 to 60 days after you announce that you want to cancel. This will give you time to find another auto insurance policy or change your mind.

How to Make an Assurance Auto Insurance Claim

Before you make a claim, be sure to have the names, vehicle information, and a police report ready in case your auto insurance company asks for it when you make a claim. Contact your auto insurance company to tell them you need to make claim. They’ll walk you through all the steps you have to take for you to recover from damages and losses.

Start comparing auto insurance rates from different companies right now using our FREE comparison tool. Enter your ZIP code to get started.

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How are AssuranceAmerica’s ratings?

AssuranceAmerica automobile insurance ratings are scattered. Some reports show AssuranceAmerica with A.M. Best rating of “A-” in some states and “B++” in other states.

Where does AssuranceAmerica stand in the Better Business Bureau (BBB)? Assurance America’s BBB rating is “A+” despite not being accredited by the BBB. They have three customer complaints and have a one-star rating.

Now that you have complete this Assurance auto insurance review, compare quotes by entering your ZIP code in the FREE comparison tool below!

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Frequently Asked Questions: Assurance Auto Insurance

Assurance insurance reviews are often confused with Plymouth Rock auto insurance reviews, and that’s not unusual since companies can be so intertwined. In the FAQ below we’ll address both Plymouth Rock and other companies that may be confused with AssuranceAmerica.

#1 – Is Plymouth Rock a good insurance company?

Plymouth Rock insurance is a company that offers insurance in the Northeast region of the U.S. According to the website, it writes and manages around $1 billion in premiums. Plymouth Rock has premiums in the billions, so it appears to be doing well. Is Plymouth Rock insurance really good compared to Assurance? Since Assurance writes non-standard insurance and Plymouth Rock writes standard, the two are hard to compare.

#2 – Does Plymouth Rock have accident forgiveness?

Yes. Customers who enroll in auto insurance can purchase accident forgiveness.

#3 – What states does Plymouth Rock write in?

Plymouth Rock auto insurance is active in New Hampshire, Pennsylvania, New Jersey, Massachusetts, Connecticut, and New York.

#4 – Is Assure America auto insurance the same company?

No, Assure auto insurance is a different insurance company with a very similar name.

References:

  1. https://www.naic.org/industry_rates_forms_ursc.htm
  2. https://www.in.gov/idoi/2579.htm#4
  3. https://www.bbb.org/us/ga/atlanta/profile/insurance-companies/assuranceamerica-0443-27753256

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