Assurance America Car Insurance Review 2025

Assurance America is a smaller insurance company that serves 10 states. The company says it donates 5% of its profits to helping those in need in the communities where they operate. Assurance America is a reliable pick among smaller or regional insurance companies, according to Jerry’s research team. The insurer offers mobile and online payment options and some discounts.

Pros: 

• Options to pay online or on a mobile app.
• Works with drivers who have violations or a spotty driving history.

Cons: 

• Available in a limited number of states.
• No renter’s or homeowner’s insurance.
• Website doesn’t provide much detail about coverage and discounts.

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 may be a good fit for:

• High-risk drivers.
• Drivers looking for the minimum insurance coverage.
• Drivers living in one of the states where Assurance America writes policies (AL, AZ, FL, GA, IN, MO, NE, SC, TX and VA).

What Assurance America lacks in coverage options it makes up for in customer service. Drivers who want simple insurance coverage and prefer a local agent, Assurance America might be the right provider for you.

This insurer has an A+ rating from the Better Business Bureau but is not rated by AM Best for their financial strength or by the CRASH Network, which evaluates how well companies handle claims. Assurance America also has a below-average score from Clearsurance, which rates insurance companies based on actual customer experiences.

How Jerry customers rate Assurance America

Here’s how Jerry’s verified Assurance America policyholders rated the company.

Is Assurance America car insurance expensive?

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

Keep in mind: Car insurance quotes can vary widely between drivers.

Although each auto insurance company has a unique 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.

Find real Assurance America car insurance quotes

These are recent quotes that Jerry customers have received for Assurance America auto insurance.

Assurance America car insurance discounts

Assurance America doesn’t show its selection of insurance discounts online, but customers report that the company offers discounts for:

• Drivers who own their home.
• Drivers who maintain continuous insurance coverage.
• Warehouse club memberships.
• 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 periodically rate shop, because discounts can change over time.

Assurance America coverage options

If you visit Assurance America’s website, you can’t see the company’s available coverages, but 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 damages you cause when you’re driving.
• Uninsured motorist and underinsured motorist coverage (UM/UIM): This coverage protects you if another driver causes an accident and doesn’t have any or enough insurance to pay for damages.

Drivers can 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 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 does not define 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 it has limited information on its website, but you can log in to their accounts or use a mobile app to make payments and keep track of claims.

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.