- High rating from Jerry customers.
- A+ BBB rating.
- Available in only 10 states.
- Rates may be high.
Assurance America car insurance review
Jerry rates Assurance America 4 stars out of 5. This score is slightly above average compared to other Jerry-rated providers and takes into account the insurer’s pricing, industry and consumer ratings, and national complaint data.
Assurance America may be an option for “high-risk” drivers who struggle to find affordable coverage elsewhere. The insurer boasts positive reviews from Jerry customers and an A+ rating from the Better Business Bureau.
As with some other insurers that focus on “high-risk” drivers, Assurance America’s options are limited, so this provider may be best for drivers who don’t require extra coverage.
Though the insurer is rated well by Jerry customers, it doesn’t appear in some industry reports that assess how stable and well-liked a company is. However, the insurer has a higher-than-expected consumer compliant index with the National Association of Insurance Commissioners, or NAIC, meaning it has received many complaints for a company its size.
Assurance America provides coverage in 10 states: Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas and Virginia. Drivers can get a quote online or with a local agent.
Who is Assurance America best for?
With a reputation for insuring “high-risk” drivers, including those who require an SR-22, Assurance America may be best for drivers who struggle to find coverage elsewhere.
For some, this insurer may offer less coverage than you’d prefer at the rate you can afford. That’s why it’s wise to compare quotes from multiple insurers to find the best coverage at the right price.
How much does Assurance America car insurance cost?
The average cost for the state-mandated minimum car insurance coverage with Assurance America is about 15% higher than the national average, according to our analysis of over 400,000 policies from 24 insurers quoted to real Jerry customers.
Your premium is determined by a number of factors, including your age, location, the type and age of vehicle you drive, your driving record, other drivers on your policy, and the amount of coverage you get.
Assurance America car insurance rates
Here’s a look at Assurance America’s car insurance rates quoted for real Jerry customers:
|
Avg Monthly Quote
|
Car Make Model Trim
|
Has Full Coverage
|
Date of Policy
|
|---|---|---|---|
| $171 | Chrysler 200 Limited | No | March 22, 2025 |
| $150 | Ford Crown Victoria | No | March 22, 2025 |
| $195 | Chevrolet Trailblazer Ls | No | March 22, 2025 |
| $279 | Buick Enclave Cxl | No | March 22, 2025 |
| $176 | Dodge Caravan Se | No | March 22, 2025 |
| $54 | Dodge Grand Caravan Sxt | No | March 22, 2025 |
| $495 | Chevrolet Malibu Ltz | No | March 22, 2025 |
| $227 | Chevrolet Malibu Ls | No | March 22, 2025 |
| $232 | Acura Rl | No | March 22, 2025 |
| $184 | Ford Expedition Eddie Bau | No | March 22, 2025 |
Assurance America car insurance coverage options
Like most insurers, Assurance America offers collision, comprehensive, bodily injury liability, property damage liability, personal injury protection and uninsured/underinsured motorist coverage.
-
Common coverages
The insurer may also offer these additional coverages:
- Rental car reimbursement pays for replacement transportation fees or rental car charges while your vehicle is being repaired for a covered claim.
- Roadside assistance covers on-the-road help such as towing, flat tire change, battery jump and fuel delivery.
- Accidental death and dismemberment provides funds to a policyholder or covered family member if they are killed or dismembered in an accident.
Industry ratings of Assurance America car insurance
Assurance America is not rated in the CRASH Network’s insurer report card or J.D. Power’s auto claims and shopping satisfaction surveys. These reports exclude smaller insurers and those for which there is insufficient data.
Assurance America is also not rated by AM Best, which scores insurers’ financial stability and gives valuable insights into whether an insurer can pay out claims. A lack of an AM Best rating isn’t an indication of financial instability, it just means the financial stability of the company has not been assessed.
NAIC
Assurance America maintained a higher-than-expected consumer complaint index with the NAIC for its private passenger policies from 2022 to 2024.
| Qualitative rating | 3-year consumer complaint index |
|---|---|
| High | Above 1.5. |
| Moderately high | 1 to 1.5. |
| About average | Near 1. |
| Moderately low | 1 to 0.5. |
| Low | 0.5 to 0. |
The NAIC is the member group for state insurance commissioners in the United States. It makes recommendations, analyzes insurer financial filings, maintains reporting and more for insurance regulators.
Assurance America auto insurance customer reviews
Hundreds of Jerry customers who have used and reviewed Assurance America’s auto insurance have rated the company well.
How to contact Assurance America
Assurance America customers can get a quote online or with a local agent. Policyholders can make payments online or over the phone, but claims can only be filed on the phone.
Customer service representatives are available Monday to Friday, 8 a.m. to 7 p.m. EST and Saturday 9 a.m. to 5:30 p.m.. Claims can be filed 24/7, but representatives are only available Monday to Friday, 8 a.m. to 5 p.m.
Here are Assurance America’s phone numbers.
Customer service: 800-450-7857.
File a claim: 888-580-8134.
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.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
