Assurance America Car Insurance Review 2022
Find out if you're getting ripped off on your car insurance in less than two minutes.
Savings found every month
Drivers who take out an Assurance America with Jerry save an average of $1,171 per year on their car insurance.
Nobody loves filling out endless insurance forms just to compare quotes—and Jerry is the smart care insurance shopping app that will save you time and money.
Just answer a few simple questions and Jerry will get your information from your previous provider. Simply choose your policy from a list of top quotes in your area and Jerry takes care of the rest—switching you over, canceling your old policy, and even handling your renewals. So why do all that extra work when Jerry can do it better?
Here are real quotes from Jerry users:
|Quote Date||Car Make||Car Model||State||City||Name||Age|
|September 29, 2022||Nissan||Rogue Sport S||AL||Florence||Victoria F.||21-24||$150|
|September 18, 2022||Hyundai||Sonata SE||AZ||Phoenix||Steven C.||35-44||$292|
|September 27, 2022||Subaru||Ascent Limited||TX||Fate||Mittie B.||25-34||$2,439|
|September 16, 2022||Hyundai||Santa FE Sport||VA||Hampton||Agnes S.||35-44||$7|
|September 15, 2022||Chevrolet||Silverado C1500||SC||Murrells Inlet||Phoebe D.||45-54||$2,944|
Quick look: Assurance America car insurance
Good for Non-standard or SR-22 drivers who want an affordable minimum-coverage option Drivers who can’t get insured through standard providers Access to local agents and driver discounts
What coverages does Assurance America offer?
Since Assurance America specializes in providing insurance for high-risk drivers, their policy offerings tend to be minimal. But drivers can still choose to upgrade their coverage beyond state minimums by choosing the full or premium coverage package. Here’s a summary of what they offer.
Most common coverages
- Liability insurance: Liability insurance includes both bodily injury liability insurance and property damage liability insurance, both of which cover the other driver’s damages if you cause a car accident.
- Collision insurance: Collision insurance provides protection for collisions with other objects or rollovers.
- Comprehensive insurance: Comprehensive insurance covers your vehicle for damage caused by external events like hail, theft, or fire.
- Uninsured/underinsured motorist protection: Uninsured/underinsured motorist protection will help cover your costs in an accident with a driver who doesn’t carry enough insurance.
- MedPay: MedPay helps cover medical expenses for you and your passengers.
- SR-22 forms may be required to prove to the state that you carry the minimum insurance requirements. You’ll need to ask your insurance provider to include an SR22 or FR44 insurance form—depending on the state you live in. Assurance America is well-versed in dealing with SR22s and FR44s and can be trusted to submit these forms to your state DMV promptly.
How much does Assurance America auto insurance cost?
The average Assurance America car insurance customer will pay about $1,335 annually. Those who want to upgrade to full coverage can expect to pay about -- for the added protection.
There are a variety of factors that go into calculating your insurance rates including your age, location, and the type of car that you drive. But since Assurance America specializes in providing coverage for high-risk drivers, their rates will almost always be higher than the average.
Here are the average monthly payments for minimum and full-coverage insurance with Assurance America:
|Average Monthly Cost for Minimum Coverage||Average Monthly Cost for Full Coverage|
If you’re a younger driver, you can expect to pay about $2,484 per year for your Assurance America policy. Older drivers will pay about $2,222 per year.
Insurance providers tend to put a lot of weight on age when calculating your rates—although every insurer has its own formula. Younger drivers have higher accident rates than older drivers, so they almost always pay more for their premiums.
Here’s what drivers pay with Assurance America based on their age group:
|Age Group||Annual Cost|
Assurance America is a non-standard provider and accepts high-risk drivers that standard providers won’t. An Assurance America policy is a good option for drivers with a high rate of infractions, accidents, DUIs, or anyone who has been asked to provide an SR-22.
Assurance America has no age restrictions on its policies and can provide coverage for younger high-risk drivers—but the coverage limits or limited options offered with their insurance package may not be ideal.
Drivers who are looking for a robust or tailored policy will probably not be satisfied with Assurance America’s lack of optional policy options. They do, however, provide the basic protection that high-risk drivers might struggle to find elsewhere.
Here’s how much drivers will pay with Assurance America, on average, for an infraction on their driving record:
|Driving Infraction||Annual Cost|
|Passing School Bus||$2,639||$1,345|
|Leaving scene of an Accident/Hit and Run||$2,659||$1,204|
|Speeding over 15||$2,442||$1,152|
|Failure to Obey Traffic Sign||$2,382||$1,144|
|Driving on Sus. License||$2,145||$1,274|
|Speeding under 15||$2,272||$1,147|
|Wrong Way/Wrong Lane||$1,932||$1,138|
Key Takeaway Assurance America offers insurance for drivers of all ages, but the coverage options are best-suited to high-risk drivers who can’t find affordable coverage through standard providers.
Assurance America insurance is only available in 10 states:
- South Carolina
No matter what state you live in, if you want to compare cheap car insurance quotes fast, Jerry is the free insurance broker app that will make your life easier. All you need is a minute to answer a few short questions and Jerry automatically generates custom quotes from top providers.
Make your selection and Jerry takes care of the switchover—including canceling your old policy. Jerry will even automatically send you quotes when your policy comes up for renewal, so you know you’re always getting the best price for the coverage you want. You’ll get all the savings with none of the legwork!
Here’s the average annual cost of Assurance America car insurance by state:
Key Takeaway Assurance American only offers car insurance in 10 states, but using Jerry is the easy way to save—no matter where you live.
Assurance America doesn’t offer the same extensive list of discounts as most top providers.
Here are the three standard vehicle- and driver-based discounts you can get with Assurance America:
|Homeowner||If you own a home, you might be able to save money on your Assurance America policy.|
|Warehouse club||BJ’s, Sam’s, or Costco members can use the warehouse club discount to save money on their policy.|
|Military||If you can provide proof of active service, you can qualify for the armed forces military discount.|
There is only one standard policy-based discount available through Assurance America:
|Prior insurance||Provide proof that you were previously insured and haven’t let your coverage lapse and you could be eligible for a discount on your policy.|
Assurance America provides coverage to high-risk drivers or drivers who need insurance fast—but the downside is you will have to sacrifice the additional services that most standard insurance providers offer.
Assurance America does not have a telematics program or mobile app. If you want to manage your policy or file a claim, you’ll have to call a local agent and speak to them directly. You might also have difficulty accessing your insurance information online since the website only offers minimal service—so be sure to carry a paper copy of your insurance card (aka proof of insurance) when you drive.
Assurance America does not offer any other products aside from its three primary car insurance packages.
Things to keep in mind
Customers can use the Assurance America self-service website to manage policy payments efficiently and conveniently. You may also choose to contact an agent in person, over the phone, or by mail.
You can cancel your Assurance America policy by email, certified letter, or phone. If you call an agent to cancel, be sure to provide your policy number and have your insurance information on hand to answer any questions.
Assurance America charges a standard $25 fee for policy cancellations.