American Auto Insurance Review [2025]

Whether you’ve been labeled as a high-risk driver or are searching for a company that can provide you with bilingual support, finding the perfect insurance policy from a selection of numerous car insurance companies can be a challenging task. Thankfully, American Auto Insurance can meet your needs and provide you the coverage that will keep you protected whenever you’re on the road.

American Auto Insurance specializes in providing traditional and SR-22 insurance coverage to Illinois drivers. Continue reading to learn more about American Auto Insurance, the coverages it can offer you, and how to file a claim with this insurance company.

While reading this American Auto Insurance review, you can enter your ZIP code to begin receiving free insurance quotes right away.

Who is American Auto Insurance?

For over 60 years, the American Auto Insurance company has been providing nonstandard car insurance to Illinois drivers. Although it doesn’t offer any additional types of insurance, it does grant a high degree of flexibility to its clients.

You can pay for your policy with a credit or debit card, a check, or even cash. American Auto Insurance also offers conveniences like an online payment system and advertises that drivers who refer a friend to the company may win a $50 gift card.

American Auto Insurance’s head office address is 2340 S River Road Suite 420, Des Plaines, IL. In addition, you can reach the customer service line by calling 800-483-4868 if you have any questions or concerns regarding your policy.

Does American Auto Insurance have good ratings?

American Auto Insurance is a Better Business Bureau (BBB) accredited company and has an A+ rating from the BBB. This high rating is a good indication if you only want to work with companies that can provide you with excellent customer service. Unfortunately, there is no A.M. Best rating for American Auto Insurance. Therefore, the lack of a financial grade may deter drivers who only want to work with companies that can prove their financial strength to clients.

What are the benefits of an American Auto Insurance policy?

American Auto Insurance may be an excellent fit for Illinois drivers who struggle to maintain above average credit scores. When you apply for a policy through American Auto Insurance, you won’t have to worry about this company running a credit check.

This disregard for credit scores is particularly exciting because insurance companies use these results to help determine how much your rate will be, as you can detect from the illustration below.

Car Insurance Rates by Company and Credit Score

Company	Poor Credit Rate	Fair Credit Rate	Good Credit Rate
	$6,613	$4,765	$4,168
	$5,064	$3,442	$2,910
	$5,202	$4,370	$4,157
	$4,439	$2,166	$1,687
	$3,210	$2,003	$1,595
	$3,607	$2,909	$2,545
	$4,014	$3,400	$3,140
	$3,385	$2,028	$1,573
	$3,024	$2,433	$1,977
	$3,685	$2,530	$2,085

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Not only does American Auto Insurance make car insurance more accessible to drivers with poor credit, but it also provides bilingual assistance for drivers who are non-native English speakers.

What coverages does American Auto Insurance offer?

American Auto Insurance doesn’t bother with bells and whistles for car insurance coverage. This company provides the necessary coverage to protect you and your vehicle no matter where you go for a spin. These coverages include:

• Bodily injury liability
• Property damage liability
• Uninsured motorist
• Medical payments
• Comprehensive
• Collision
• Rental reimbursement
• SR-22 insurance

You should understand how to utilize your car insurance properly in the event that you ever need to file a claim. Each  coverage type has a specific function, so let’s examine them more closely to discover how each one works to protect you.

Bodily Injury Liability

Your bodily injury liability insurance could help pay for the medical bills accrued by another driver if you harm them in a car accident. You shouldn’t select the lowest limits possible with this coverage because the other driver could take you to court if you don’t have sufficient insurance. It’s typically advisable to estabilsh your bodily injury limits at $100,000 per person and $300,000 per accident.

Property Damage Liability

If you cause an accident and damage someone else’s car, your property damage liability coverage will provide the other driver with funds to repair their vehicle. This coverage can be used to pay for restorations to other types of property as well, like a fence or a garden wall. Therefore, it is advisable to set your property damage liability at a minimum of $100,000.

Uninsured Motorist Coverage

Your uninsured motorist coverage allows you to access funds to cover your medical bills if you are struck by a driver who doesn’t have insurance. In addition, if you sustain injuries that prevent you from working, you can even receive compensation from this coverage as well. (For more information, read our “Access Auto Insurance review“).

Medical Payments

No matter who causes an accident, your medical payments coverage can help you afford treatment if you are injured while driving.

Comprehensive Coverage

Your car can be damaged by all types of events like hail or suddenly appearing deer. With comprehensive coverage, you can restore your vehicle to it pristine condition as long as you pay your deductible.

Collision Coverage

If your car happens to hit another vehicle or another object, you can pay your collision deductible and be reimbursed for the cost of repairing your car. The deductibles for your collision and comprehensive coverage can be raised to lower your rates, but you should always choose a deductible amount that you can afford to pay.

Rental Reimbursement

Becoming involved in a car accident can have repercussions, like leaving you without a way to get to work, doctor’s appointments, or the grocery store. Thankfully, you can use your rental reimbursement coverage to afford the use of a rental vehicle until your car is ready to be picked up from your mechanic’s shop.

SR-22 Insurance

If you’ve had your license revoked and want to retrieve it, you’ll need SR-22 insurance. This provides proof that you have adequate coverage to return to the road.

American Auto Insurance advertises that you can take advantage of all this coverage for as little as $14 per month. Still, you should always obtain free quotes from at least five companies to verify that you are receiving the maximum amount of coverage at the best rate possible.

How can drivers file a claim with American Auto Insurance?

The American Auto Insurance claims filing system is slightly outdated. You can file a claim by contacting an American Auto Insurance representative, or you can call the main American Auto Insurance phone number directly. However, you cannot upload documents, like photos of the aftermath of a crash, to the American Auto Insurance Company claims department with a mobile app or through American Auto Insurance’s website.

Does American Auto Insurance offer discounts?

Drivers can usually take advantage of discounts or telematics systems offered by their insurance companies to maintain low rates after filing a claim. Unfortunately, American Auto Insurance does not mention any available discounts on its website. It also does not have a telematics program which, as is evident below, can help save drivers money.

Telematics Programs and Discounts

Insurance Company	Telematics Program Name	Discount Range	Key Features
	Drivewise	40%	Earn discounts based on safe driving behavior.
	KnowYourDrive	20%	Uses app-based monitoring for discount calculation.
	Signal	15%	Offers discounts for minimal phone usage while driving.
	DriveEasy	25%	Monitors speed, braking, and phone usage.
	RightTrack	30%	Offers immediate savings for enrolling.
	SmartRide	40%	Provides personalized feedback for better driving.
	Snapshot	25%	Rewards cautious drivers with lower premiums.
	Drive Safe & Save	30%	Tracks driving habits through a mobile app or device.
	IntelliDrive	30%	Evaluates driving habits over 90 days.
	SafePilot	30%	Rewards safe driving practices for military families.

Telematics programs reward drivers for following safe driving practices. The effort you put into driving defensively can decrease your chances of causing an accident. This, in turn, will not only help you arrive home safely but can eventually decrease your rates.

American Auto Insurance: The Bottom Line

High-risk drivers can acquire the low-cost coverage that they need with American Auto Insurance. However, if you want a cutting-edge company that can provide you with an abundance of discounts and the ability to file a claim from your phone, this company may not be the best fit for you. Of course, if you would like to work with a company that can provide bilingual support, American Auto Insurance can provide you with the assistance that you need.

You can confidently shop for your next car insurance policy now that you’ve finished this American Auto Insurance review. Enter your ZIP code today to receive quotes from car insurance companies near you.