AssuranceAmerica Insurance Review
- With 1.0/5 stars in 2024, AssuranceAmerica is a poor insurance company.
- Read AssuranceAmerica reviews, complaints and prices before you buy.
AssuranceAmerica insurance: Ratings and reviews
AssuranceAmerica is a regional carrier that currently offers auto policies in ten states. The carrier offers all the required state minimums, along with optional coverages depending on your needs. However, ratings are lacking when it comes to claims and customer satisfaction, and they only offer auto insurance coverage, so if you're looking to bundle with one company they won't be the best option. AssuranceAmerica does donate 5% of its profits to homelessness programs, so if you hope to find an insurance company that cares about people, it might be a good fit.
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Good for customers looking for basic coverage options at affordable prices
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Online bill pay available
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Donates 5% of profits to those in need
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Limited availability (10 states)
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Only offers auto insurance coverage
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Not great for customers who prefer a detailed, high-tech website experience
Is AssuranceAmerica a good insurance company?
The majority of The Zebra's review incorporates how well AssuranceAmerica scores in terms of customer service. In order to determine that we looked at the following third-party ratings. Keep in mind that AssuranceAmerica's overall score is impacted by the fact that it lacks ratings from several of our sources.
BBB Customer Reviews: 1/5
- AssuranceAmerica has a 1/5 rating from Better Business Bureau customers[1]
Complaint Index: Above average
- The National Association of Insurance Commissioners (NAIC) receives Above average customer complaints for AssuranceAmerica[2]
Financial Stability: Not rated
The Zebra Customer Satisfaction Survey
In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which auto insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on AssuranceAmerica for it to be included.
How much does AssuranceAmerica insurance cost?
Unfortunately, AssuranceAmerica's pricing data is not widely available, which is an important part of our review process. If you're interested in a quote from AssuranceAmerica for auto insurance coverage, be aware that the following factors (and possibly others) will be taken into consideration when any insurer calculates rates:
- Age
- Driving history
- Credit score (in most states)
- Location
- Annual mileage
- Marital status
- Coverage level
We always suggest getting multiple auto insurance quotes to compare and see who offers the best coverage for your specific needs.
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Discounts offered
If AssuranceAmerica currently offers discounts, the information isn't listed on their website. The best course of action is to reach out to an agent and ask about savings opportunities.
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What types of coverage does AssuranceAmerica offer?
Another key component of AssuranceAmerica's review is the types of coverage options they offer. Their website has an easy-to-follow list of required coverages for the states they write policies for, as well as a description of coverages in plain language.
However, it is not clear what optional add-ons AssuranceAmerica offers, so you'll likely need to reach out to an agent to ask clarifying questions.
The company states, "Our policies are sold to customers who trust their agents to get them the coverage they need at a price they can afford." If you're the kind of driver who prefers to talk to someone about your insurance needs rather than take a more self-directed option, AssuranceAmerica may be a good option to consider.
AssuranceAmerica insurance review: Summary
If you're looking for a no-frills approach to auto insurance and reside in a state where finding coverage can be challenging (such as Florida) then AssuranceAmerica is worth a look. Keep in mind that if you want to bundle auto insurance with other policies, like homeowners or renters, this isn't available through AssuranceAmerica.Â
If you're more inclined to do everything independently through an intuitive website, this may not be the best option, either. However you can make a payment and get a quote online, and they do offer an app so you can download ID cards and get basic notifications.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
AssuranceAmerica insurance: Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.