In a research study examining the experiences of actual insurance policyholders, the Jerry research team discovered that Assurance America stands out as ranking 8th among smaller and regional insurance providers.

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Updated on Sep 18, 2023

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

What's on this page?

Comprehensive Assurance America Car Insurance Review
So, is Assurance America a good insurance company?
Assurance America car insurance reviews
Assurance America pros and cons
Is Assurance America the right insurance company for you?
Is Assurance America car insurance expensive?
Will Assurance America raise your rates?
Does Assurance America resolve claims fast?
Does Assurance America have good customer service?
Assurance America car insurance discounts
Assurance America coverage options
Assurance America’s additional tools and services
FAQs
Read all Assurance America Car Insurance Reviews
Methodology
Meet Our Experts

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Comprehensive Assurance America Car Insurance Review

According to

Jerry

’s research team, Assurance America is a reliable pick among smaller or regional insurance companies.

Jerry

experts conducted one of the nation's most extensive reviews to collect car insurance information over 18 months. We surveyed over 18,000 policyholders from all 50 states, asking them about their experience with their insurance company’s customer service, renewal process, claims handling, and more.

Here’s a breakdown of how our verified Assurance America policyholders ranked the company:

4.6

505 Reviews

5 Stars

74.06%

4 Stars

16.24%

3 Stars

7.52%

2 Stars

1.39%

1 Star

0.79%

So, is Assurance America a good insurance company?

Yes, especially for those who want a personalized, philanthropic insurance carrier.

Not every insurance company donates 5% of its total profits to fighting homelessness, but Assurance America does! They also received 91% positive reviews from over 200 customers surveyed. Only 2% of respondents had something negative to say about the company.

If you compare those reviews to the national average ratio of 64% positive reviews to 18.54% negative reviews, it’s plain to see that Assurance America is doing something right.

The good: Assurance America is well-known for its affordable prices and friendly customer service. Most customers reported:

Low rates and willingness to find coverage that worked with their budget

Straightforward, simple insurance policies

Insurance agents who are quick to respond

The not-so-great:

The company might not offer insurance coverage in your state

Assurance America doesn’t offer renter’s or homeowner’s insurance, so you can’t bundle policies

Jump to:

Assurance America Car Insurance Reviews

Assurance America Pros and Cons

In our survey of Assurance America drivers, we asked them to rate the company on its cost, customer service, claims process, renewal, and overall satisfaction.

See how Assurance America’s ratings compared to the national average of all companies surveyed below:

Criteria	Assurance America's Rating	Industry Average
Overall	4.5	4.1
Cost / Price	4.3	3.8
Claim Experience	3.6	3.5
Customer Service	4.6	4
Renewal Experience	4.3	4

Assurance America is a mid-size company based out of Atlanta, Georgia. It writes auto policies in 10 states while providing coverage to drivers in more than 20 states.

Coverage locations won’t tell you a whole lot about a company’s strengths and weaknesses, so we compared Assurance America’s ratings with other insurance companies in the US:

Critera	Assurance America	Score Out Of
BBB Rating	A+	A+
NAIC Rating	3.65	6
Clearsurance	2.47	5
A.M. Best Rating	A+	A++
IOS App Store Rating	2.5	5
Google Play Store Rating	4	5

Please note* that a greater NAIC score indicates increased risk.

Assurance America car insurance reviews

We wanted to know what real Assurance America customers thought about the company in their own words. Read through a few of these reviews from Assurance America policyholders:

Assurance America pros and cons

Assurance America is a solid pick when it comes to affordable coverage for drivers who might need help finding coverage because of their driving history. The company also gets high marks for customer service and claims fulfillment, though it offers bare-bones coverage with few discounts or perks.

Here are our thoughts on Assurance America:

Pros

Works with drivers who have violations or a spotty driving history

Good customer service with local agents

Options to pay online or on a mobile app

Cons

Website doesn’t provide much detail about coverage and discounts

Doesn’t offer homeowner’s or renter’s insurance

You have to contact an insurance agent to get a quote

Is Assurance America the right insurance company for you?

Assurance America doesn’t offer a wide variety of coverage types or discounts. Instead, you’ll get the basic, required types of insurance and not much more. Assurance America is a good fit for:

High-risk drivers

Drivers looking for the bare minimum insurance coverage

Drivers living in one of the states where Assurance America writes policies (Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia)

Even though Assurance America doesn’t offer a lot of options, the company makes up for it with its great customer service. If you’re looking for simple insurance coverage and you enjoy having local agents, Assurance America might be the right provider for you.

Keep in mind: While Assurance America does offer SR-22 certificates for high-risk drivers, the company doesn’t have an expansive list of insurance products. You won’t find homeowner’s, renter’s insurance, pet insurance, life insurance, or motorcycle insurance.

Click on the buttons below to see how we rate Assurance America’s car insurance services.

Is Assurance America car insurance expensive?

Assurance America gives its cheapest rates to drivers who have a clean record, but high-risk drivers also see better insurance premiums than they’d get with other insurers.

Of the hundreds of Assurance America Insurance reviews we received, 30% of them brought up cost—but almost 75% of these customers had positive things to say.

If you’re wondering where this places Assurance America in comparison to insurance companies of a similar size, you’ll be pleased to find Assurance America ranked 8 out of 53 companies. Assurance America customers gave the company 4.3 out of 5-star rating on our survey—well above the national average of 3.8.

Here’s how Assurance America stacked up against its competitors in other areas of our study:

Assurance America Policy Cost Rating	Ranking	Industry Average
4.3	6	3.8

Keep in mind: Car insurance quotes can vary widely from person to person since everyone has a unique driver profile.

Although each auto insurance company has a formula for

calculating its insurance rates

, Assurance America generally looks at these factors:

Personal demographics

Auto insurance coverage limits

Driving and insurance history

Type of insurance

Vehicle make, model, and year

Location

Location plays a big factor in determining your insurance premium. Just look at how much your insurance premiums could vary from state to state:

Assurance America cost reviews

Check out how real Jerry users rate Assurance America based on cost.

Will Assurance America raise your rates?

It’s possible. Insurance companies, including Assurance America, can readjust insurance premiums when

your car insurance renews

—typically every six months.

Assurance America might raise your rates if:

Inflation rises

You’re insuring an additional driver or vehicle

You move

You’re in a car accident or get a traffic violation

Our survey found that almost 70% of Assurance America customers chose to renew their auto insurance policy with the company.

Does Assurance America resolve claims fast?

Assurance America doesn’t specify how quickly the company resolves its claims and customers say the resolution of its claims is unremarkable.

Unlike other companies, Assurance America does not give you the option to file a claim on its website. Instead, you’ll have to call 1-888-580-8134 to speak to an agent. You can file a claim 24/7/365.

Once you

file a claim

, Assurance America will assign an adjuster to investigate your claim. They’ll speak with you, take photos, and assess damages to decide how to proceed.

Assurance America has standard claims satisfaction ratings—3.55 out of a possible 5. The national average is 3.54, so the company doesn’t stand out one way or the other in this category.

Read through these reviews of Assurance America’s claims process to see what its customers had to say:

Assurance America Claims Resolution Rating	Ranking	Industry Average
3.6	6	3.5

As a result, we ranked State Auto as 9th overall when compared to insurance providers of a similar size. Here are some real customer reviews highlighting their experience with State Auto’s claims process:

Assurance America claims reviews

See how real Jerry users rated Assurance America based on claims handling.

Does Assurance America have good customer service?

Assurance America is a good fit for drivers who want personalized customer service, especially since the website doesn’t provide a lot of information.

Its customers had great scores on our survey, with respondents placing Assurance America at number 4 out of 53 insurance companies of a similar size. The company also scored higher than the national average of 3.9 in customer service satisfaction rating, getting 4.6 out of 5.

Assurance America Customer Service Rating	Ranking	Industry Average
4.6	4	4

Assurance America’s customers enjoy how easy it is to get in touch with insurance agents, and many love having local agents.

Assurance America customer service reviews

Check out how real Jerry users rated Assurance America based on customer service.

Assurance America car insurance discounts

Assurance America doesn’t show its selection of

insurance discounts

online, but customers report that the company offers:

A discount for drivers who own their home

A discount for maintaining continuous insurance coverage

A discount for warehouse club membership

A discount for military members

Assurance America might offer different discounts based on your demographics, so ask an insurance agent what you’re eligible for. Don’t forget to check on them periodically since available discounts can change over time.

Good to know: Since Assurance America doesn’t offer homeowner’s or renter’s insurance, you won’t be able to get a bundling discount for adding a car insurance policy with your homeowner’s policy.

Assurance America coverage options

If you visit Assurance America’s website, you can’t see what coverages the company offers, although you can request a free quote. When you generate a quote, it automatically shows you a rate for your

state’s minimum insurance coverage

(liability coverage).

Most states require the following types of auto insurance, although coverage amounts vary:

Liability insurance

: Almost every state requires separate coverage limits for

bodily injury liability (BIL)

and

property damage liability (PDL)

. Liability insurance pays for any damages you cause when you’re driving.

Uninsured motorist (UM) and underinsured motorist coverage (UIM):

UM/UIM takes care of you if another driver causes an accident and doesn’t have any or enough insurance.

You do have the option to customize that coverage to some extent. For instance, you can add:

Collision coverage:

If your car is damaged in an accident that you may or may not have caused, collision takes care of the repairs. It also covers repairs if your car is damaged in a non-moving accident.

Comprehensive coverage:

This insurance covers damages to your vehicle that aren’t caused by a car accident—think fire, extreme weather, or theft.

Medical payments (MedPay):

This takes care of your medical bills and the medical treatments of your passengers if you get into an accident.

Personal Injury Protection (PIP):

PIP is extra protection that pays for lost wages in addition to medical bills and related medical costs after a car crash.

Roadside assistance:

Assurance America offers towing and labor coverage, although you’ll have to ask their insurance agents whether or not they provide other roadside assistance perks like jumpstarts, fuel delivery, and locksmith services.

Accidental death: This optional insurance pays a death benefit—usually around $2,500—to your family if you are killed in a car accident.

Assurance America shies away from defining full coverage. Instead, the company gives quotes for the bare minimum. You might have to check other providers if you want more customization or broader auto insurance coverage.

Assurance America’s additional tools and services

Assurance America is on the smaller end of insurance companies and its website is minimal. But you can log in to your account or use a mobile app to make payments and keep track of claims.

And if you have questions or concerns, you can always call your local Assurance America representative.

FAQs

Is Assurance America the same as AssuranceAmerica car insurance?

Yes, you might see the company name displayed either way.

How good is Assurance America at paying claims?

Assurance America scored 3.6 out of 5.0 and placed 6th overall for its claim process, making it a reliable insurance agency for filing claims.

Does Assurance America have good customer reviews?

Yes! An astounding 91% of our Assurance America respondents gave positive feedback. Only 2% gave negative reviews. Overall, Assurance America scored 4.5 out of 5.0.

How is Assurance America auto insurance so cheap?

Assurance America operates in a limited area, which helps the company save on costs. Plus, they offer the best rates to drivers with a safe driving record. This motivates its customers to improve their driving habits so they don’t file as many claims.

Does Assurance America auto insurance go up after 6 months?

Every insurance company has the opportunity to raise its rates at renewal time, which is every six months.

Read all Assurance America Car Insurance Reviews

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.