- Covers high-risk drivers and files SR-22s in select states.
- No credit score required to get a quote.
- 90-second online quote with same-day coverage available.
- Digital claims, ID cards, bill pay and policy docs.
- High Trustpilot rating from customers.
- Only available in 13 states.
- No AM Best, JD Power or CRASH Network ratings.
- High NAIC complaint volume.
- Very limited coverage add-ons compared to standard carriers.
- SR-22 filing not available to all customers.
Assurance America car insurance: Jerry’s verdict
Assurance America occupies a similar space as The General and National General: non-standard coverage for drivers who struggle to find it elsewhere, but with a smaller footprint, fewer independent benchmarks and a more limited product.
Founded in 1998 and headquartered in Atlanta, Georgia, Assurance America is a privately held company focused on the non-standard auto insurance market. It operates through a network of independent agents and directly through its website across 13 states. The company does not carry an AM Best Financial Strength Rating, which is the primary independent measure of an insurer’s ability to pay claims. It is not included in JD Power’s shopping or claims satisfaction studies, and it does not appear in the CRASH Network Insurer Report Card. That absence of third-party benchmarking is a genuine gap when it comes to evaluating this carrier.
Accessibility is this carrier’s strong suit. It doesn’t use credit scores in the quoting process, which is important for drivers whose credit makes standard markets more expensive or inaccessible. It files SR-22 forms in select states, covers drivers who have been declined elsewhere and offers same-day coverage. Its mobile app handles ID cards, bill pay and policy documents, and claims can be filed through an online portal any time of day. It has a 4.7 out of 5 rating on Trustpilot, notably strong for a non-standard carrier, with customers consistently citing fast service, helpful agents and competitive pricing.
But there are tradeoffs. Assurance America’s NAIC complaint volume is high, well above the expected level for a company of its size, and the absence of industry ratings means there is no independent verification of its financial strength or claims performance. Coverage add-ons are also thin compared to standard carriers.
For drivers in its available 13 states who need non-standard coverage and have exhausted options at standard carriers, Assurance America is worth a quote alongside other non-standard options like The General and National General.
Who Assurance America is best and worst for
A driver who has been declined by standard carriers. If your driving record, lapse in coverage or other risk factors have made standard coverage difficult to buy, Assurance America is specifically made for you.
Someone who wants to get a quote without a credit check. Assurance America explicitly does not require a credit score to generate a quote. That’s important for drivers whose credit would raise their premiums.
A driver outside its 13-state coverage area. Assurance America only offers auto insurance in 13 states at this time. Drivers in other states will need to look elsewhere.
Someone who wants standard coverage add-ons. Assurance America’s coverage menu is basic. Drivers who want accident forgiveness, new car replacement, gap insurance or similar add-ons should look at carriers with broader product offerings.
A driver who wants independent verification of financial strength. Assurance America does not carry an AM Best rating, so drivers won’t have the confidence that comes with these types of independent industry assessments.
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Learn more: Full coverage vs. liability-only insurance
How much does Assurance America car insurance cost?
The average cost for car insurance coverage through Assurance America is $187 per month among Jerry drivers, about 2% more than the national average.Your premium is determined by a number of factors, including your age, location, the type and age of your vehicle, your driving record, other drivers on your policy and the amount of coverage you want.
Based on our analysis of 407,348 real Assurance America customers who bought through Jerry, here are the typical monthly premiums by driver coverage level:
Minimum
$94 – $218/mo
Meets state minimum liability requirements to keep costs low, but doesn’t cover damage to your own car.
Full
$178 – $393/mo
Adds collision and comprehensive coverage for your vehicle, which is often required if your car is financed or leased.
Standard
$199 – $435/mo
Includes uninsured motorist and medical payments coverage, which is especially valuable since nearly 18% of drivers nationwide are uninsured.
Key takeaway: To figure out the right coverage for you, start with your comfort level around risk and what your car is worth. Then let Jerry show you what each option costs in real time.
Learn more: Best car insurance companies
Industry ratings of Assurance America car insurance
Assurance America does not participate in most major industry rating and satisfaction benchmarks. The available data is limited to NAIC complaint volume.
| Rating | Assurance America’s score |
| NAIC consumer complaint index (2025) | High (1.89). |
| CRASH Network report card (2026) | N/A. |
| JD Power auto insurance shopping study (2025) | N/A. |
| JD Power auto insurance claims study (2025) | N/A. |
| AM Best (2025) | N/A. |
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NAIC details
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CRASH Network details
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JD Power details
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AM Best details
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Assurance America car insurance coverage options
Assurance America offers standard coverage types for the non-standard market, including collision, comprehensive, bodily injury liability, property damage liability, medical payments, personal injury protection (PIP) and uninsured/underinsured motorist coverage. Its product is intentionally basic, designed for access and affordability rather than customization.
Beyond those, additional coverage and services offered include:
- Rental car reimbursement to cover a rental vehicle while your car is being repaired after a covered claim.
- Roadside assistance, available through the Assurance America Motor Club, providing 24/7 towing, flat tire, battery jump-start and fuel delivery anywhere in the U.S.
- Accidental death and dismemberment provides a benefit if you or a covered family member are killed or seriously injured in an accident.
- SR-22 filing on behalf of policyholders in Alabama, Arizona, Florida, Georgia, Indiana, Nebraska, Ohio, South Carolina and Virginia.
Assurance America also offers renters insurance and commercial auto insurance in select states.
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Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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Assurance America car insurance discounts
Assurance America does not publish its full discount list on its website, but some known or commonly cited discounts include:
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Multi-vehicle. Insure more than one vehicle on the same policy
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Prior insurance. Proof of continuous coverage with a previous carrier
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Good student. Full-time student with qualifying grades
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Pay in full. Pay the full premium upfront
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Good driver. Clean driving record for a qualifying period
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MobileMax. Savings available through the AssuranceAmerica+ app
Does Assurance America offer insurance based on driving behavior?
Not in the traditional sense. The MobileMax program, accessible through the AssuranceAmerica+ app, offers savings tied to mobile engagement but is not a true, driving behavior telematics program. Drivers looking for a program that monitors driving habits and adjusts rates accordingly should look at carriers like Progressive (Snapshot), State Farm (Drive Safe & Save) or National General (DynamicDrive).
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Filing a claim with Assurance America
Assurance America makes filing a claim (and managing it once filed) simple.
File online or by phone
Claims can be reported any time through Assurance America’s online portal at fnolportal.assuranceamerica.com or by calling 1-888-580-8134. Customer service representatives are available Monday through Friday, 8 a.m. to 7 p.m. ET.
Work with a claims representative
After filing, a representative will contact you to gather information and guide you through the process. Given the insurer’s high NAIC complaint volume, consider documenting every interaction from the moment you file: dates, names and what was discussed.
Repair and rental
If you have rental reimbursement coverage, Assurance America will reimburse rental or transportation costs while your vehicle is being repaired after a covered claim.
Settlement or payout
For total losses, Assurance America settles based on actual cash value (ACV). There is no new car replacement coverage available.
Customer reviews of Assurance America
Over a thousand Jerry customers have reviewed Assurance America’s auto insurance, giving the company a positive overall score. On Trustpilot, Assurance America also holds a 4.7 out of 5 rating, with customers frequently citing fast service, competitive pricing and helpful agents.
This is notably strong for a non-standard carrier and stands in contrast to what its NAIC complaint data would suggest.
Is Assurance America a good insurance company?
Assurance America serves a real need for drivers in its 13-state footprint who can’t access standard market coverage. Its no-credit-score quoting process, SR-22 filing capability in select states, online claims portal, mobile app and strong Trustpilot scores make it more accessible and more positively received by customers than many non-standard peers.
Its gaps are big, though. This carrier has no AM Best rating, no JD Power score, no CRASH Network grade and a high NAIC complaint volume… which all point to an insurer where the claims experience is harder to predict than most. For drivers who have real options, there are better non-standard carriers, like The General and National General. For drivers in Assurance America’s 13-state footprint who have exhausted those options, it’s definitely worth getting a quote through Jerry and comparing prices.
See coverage options for your car.
How to contact Assurance America
Good catch. Here’s the revised contact section:
How to contact Assurance America
You can compare Assurance America against other carriers and get a quote through Jerry. To manage an existing policy, locate a local agent or report a claim, contact Assurance America directly.
- App: AssuranceAmerica+ (iOS and Android)
- Customer service: 1-800-450-7857 (Monday through Friday from 8 a.m. to 7 p.m. ET)
- Claims (24/7): fnolportal.assuranceamerica.com or 1-888-580-8134
Related guides
FAQ
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What are the pros and cons of Assurance America car insurance?
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Does Assurance America file SR-22s?
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Does Assurance America use credit scores?
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What states does Assurance America operate in?
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Does Assurance America have a mobile app?
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How do I file a claim with Assurance America?
Drivers who switch with Jerry save an average of $54/mo on car insurance.
Methodology
We looked at over 400,000 actual policies quotes from real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation.
How we rate car insurance companies
Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.
We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.
These individual factors roll up into one weighting system as follows:
20% Financial strength.
20% Complaints.
20% Industry ratings.
20% Customer ratings.
20% Cost and discounts.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
