Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 27, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Just the Basics

  • AssuranceAmerica only provides coverage in 10 states
  • AssuranceAmerica sells non-standard car insurance
  • Most states require drivers to own car insurance

Most states require you to have car insurance, but finding insurance coverage can be challenging if you have a checkered driving history. Thankfully, plenty of insurance companies specialize in providing insurance to high-risk drivers.

Free car insurance guides and AssuranceAmerica reviews can help you find the best insurance company for your needs.

Keep reading to learn more about AssuranceAmerica and the coverages it can offer you.

What is AssuranceAmerica?

Founded in 1998, AssuranceAmerica provides non-standard car insurance to drivers in these states:

  • Alabama
  • Arizona
  • Florida
  • Georgia
  • Indiana
  • Missouri
  • Nebraska
  • South Carolina
  • Texas
  • Virginia

AssuranceAmerica’s headquarters is in Atlanta, Georgia, but the company also has offices in Alabama, Florida, and Texas. You can call the AssuranceAmerica customer service phone number 833-808-7878 between Monday and Saturday to learn more about this company.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

What coverages does AssuranceAmerica provide?

Unfortunately, if you want to learn about what AssuranceAmerica’s auto insurance can offer you, you won’t be able to get any information from the company’s website. AssuranceAmerica’s website doesn’t share if there are any optional coverages available, but you will most likely be able to get these basic coverages:

  • Liability
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Medical payments

To get more information about an AssuranceAmerica policy, you’ll need to get a quote to discover available coverage options. If you buy a policy through AssuranceAmerica, you can use the AssuranceAmerica app to make payments, view policy information, and access digital copies of your ID card.

Are AssuranceAmerica rates affordable?

Sample rates aren’t available on the AssuranceAmerica website, but since this company sells non-standard insurance, it may provide higher than average rates. If you’re trying to plan your budget, you can use this list to see how much car insurance may cost in your state:

Minimum Car Insurance Rates by State
StateLiability Coverage Yearly RatesLiability Coverage Monthly Rates
Alabama$394.21$32.85
Alaska$539.68$44.97
Arizona$508.76$42.40
Arkansas$394.13$32.84
California$489.66$40.81
Colorado$520.04$43.34
Connecticut$650.94$54.25
Delaware$799.30$66.61
District of Columbia$628.82$52.40
Florida$857.64$71.47
Georgia$557.38$46.45
Hawaii$458.54$38.21
Idaho$344.29$28.69
Illinois$446.72$37.23
Indiana$382.68$31.89
Iowa$299.18$24.93
Kansas$358.24$29.85
Kentucky$529.21$44.10
Louisiana$775.83$64.65
Maine$338.87$28.24
Maryland$609.74$50.81
Massachusetts$606.04$50.50
Michigan$795.32$66.28
Minnesota$456.82$38.07
Mississippi$460.50$38.38
Missouri$415.88$34.66
Montana$386.29$32.19
Nebraska$364.64$30.39
Nevada$681.56$56.80
New Hampshire$400.56$33.38
New Jersey$869.57$72.46
New Mexico$488.03$40.67
New York$804.51$67.04
North Carolina$359.42$29.95
North Dakota$298.18$24.85
Ohio$397.11$33.09
Oklahoma$461.01$38.42
Oregon$584.13$48.68
Pennsylvania$499.06$41.59
Rhode Island$759.80$63.32
South Carolina$527.09$43.92
South Dakota$300.22$25.02
Tennessee$413.91$34.49
Texas$528.75$44.06
Utah$497.53$41.46
Vermont$343.12$28.59
Virginia$425.61$35.47
Washington$596.67$49.72
West Virginia$491.83$40.99
Wisconsin$374.37$31.20
Wyoming$321.04$26.75
Get Your Rates Quote Now

Compare RatesStart Now →

If you think your rates are too high and want to learn how to reduce the cost of auto insurance, here’s a tip: try to increase your credit score and improve your safe driving practices. These are both great ways to lower your rates.

Do drivers need to have car insurance?

Nearly every state requires drivers to have insurance. Driving without an active insurance policy can have dire consequences, so it’s in your best interest to have the minimum amount of insurance required by your state. If you’re not sure what the coverage requirements are where you live, you can use this chart as a guide:

StatesCoverage Requirements
Florida$10k property damage liability per accident
$10k personal injury protection
California$15k bodily injury liability per person
$30k bodily injury liability per accident
$5k property damage liability per accident
Delaware$15k bodily injury liability per person
$30k bodily injury liability per accident
$10k property damage liability per accident
Pennsylvania$15k bodily injury liability per person
$30k bodily injury liability per accident
$5k property damage liability per accident
$5k medical benefits
Arkansas, Delaware, Nevada$15k bodily injury liability per person
$30k bodily injury liability per accident
$10k property damage liability per accident
New Jersey$15k bodily injury liability per person
$30k bodily injury liability per accident
$5k property damage liability per accident
$15k personal injury protection
Louisiana$15k bodily injury liability per person
$30k bodily injury liability per accident
$25k property damage liability per accident
Michigan$20k bodily injury liability per person
$40k bodily injury liability per accident
$10k property damage liability per accident
Iowa$20k bodily injury liability per person
$40k bodily injury liability per accident
$15k property damage liability per accident
Hawaii$20k bodily injury liability per person
$40k bodily injury liability per accident
$10k property damage liability per accident
$10k personal injury protection
Indiana, Montana, New Mexico, Washington$25k bodily injury liability per person
$50k bodily injury liability per person
$10k property damage liability per accident
Colorado, Idaho, Tennessee$25k bodily injury liability per person
$50k bodily injury liability per accident
$15k property damage liability per accident
Kentucky$25k bodily injury liability per person
$50k bodily injury liability per accident
$10k property damage liability per accident
$10k personal injury protection
Wyoming$25k bodily injury liability per person
$50k bodily injury liability per accident
$20k property damage liability per accident
Alabama, Arizona, Georgia, Mississippi, Ohio, Oklahoma, Rhode Island$25k bodily injury liability per person
$50k bodily injury liability per accident
$25k property damage liability per accident
Maryland$30k bodily injury liability per person
$60k bodily injury liability per accident
$15k property damage liability per accident
Utah$25k bodily injury liability per person
$65k bodily injury liability per accident
$15k property damage liability per accident
$3k personal injury protection
Texas, North Carolina$30k bodily injury liability per person
$60k bodily injury liability per accident
$25k property damage liability per accident
Connecticut$20k bodily injury liability per person
$40k bodily injury liability per accident
$10k property damage liability per accident
$20k uninsured/underinsured motorist coverage per person
$40k uninsured/underinsured motorist coverage per accident
Kansas, Wisconsin$25k bodily injury liability per person
$50k bodily injury liability per accident
$10k property damage liability per accident
$25k uninsured/underinsured motorist coverage per person
$50k uninsured/underinsured motorist coverage per accident
WA, District of Columbia$25k bodily injury liability per person
$50k bodily injury liability per accident
$10k property damage liability per accident
$25k uninsured/underinsured motorist coverage per person
$50k uninsured/underinsured motorist coverage per accident
$5k uninsured/underinsured
Illinois$25k bodily injury liability per person
$50k bodily injury liability per accident
$20k property damage liability per accident
$25k uninsured motorist coverage per person
$50k uninsured motorist coverage per accident
Massachusetts$30k bodily injury liability per person
$60k bodily injury liability per accident
$15k property damage liability per accident
$20k uninsured motorist coverage per person
$40k uninsured motorist coverage per accident
$8k personal injury protection
Missouri$30k bodily injury liability per person
$60k bodily injury liability per accident
$10k property damage liability per accident
$25k uninsured motorist coverage per person
$50k uninsured motorist coverage per accident
Nebraska, South Dakota$25k bodily injury liability per person
$50k bodily injury liability per accident
$25k property damage liability per accident
$25k uninsured motorist coverage per person
$50k uninsured motorist coverage per accident
Alaska$50k bodily injury liability per person
$100k bodily injury liability per accident
$25k property damage liability per accident
Oregon$25k bodily injury liability per person
$50k bodily injury liability per accident
$20k property damage liability per accident
$25k uninsured motorist coverage per person
$50k uninsured motorist coverage per accident
$15k personal injury protection
Minnesota$25k bodily injury liability per person
$50k bodily injury liability per accident
$10k property damage liability per accident
$25k uninsured motorist coverage per person
$50k uninsured motorist coverage per accident
$40k personal injury protection
South Carolina, West Virginia$25k bodily injury liability per person
$50k bodily injury liability per accident
$25k property damage liability per accident
$25k uninsured motorist coverage per person
$50k uninsured motorist coverage per accident
$25k uninsured motorist property damage coverage
North Dakota$25k bodily injury liability per person
$50k bodily injury liability per accident
$25k property damage liability per accident
$25k uninsured/underinsured motorist coverage per person
$50k uninsured/underinsured motorist coverage per accident
$30k personal injury protection
Vermont$25k bodily injury liability per person
$50k bodily injury liability per accident
$10k property damage liability per accident
$50k uninsured motorist coverage per person
$100k uninsured motorist coverage per accident
$10k uninsured motorist property damage coverage per accident
Maine$50k bodily injury liability per person
$100k bodily injury liability per accident
$25k property damage liability per accident
$50k uninsured motorist coverage per person
$100k uninsured motorist coverage per accident
$2k medical payments coverage
New York$25k bodily injury liability per person
$50k bodily injury liability per accident
$50k liability for death per person
$100k liability for death per accident
$10k property damage liability per accident
$50k personal injury protection
$25k uninsured motorist coverage per person
$50k underinsured motorist coverage per accident
Get Your Rates Quote Now

Compare RatesStart Now →

If you need insurance and live outside of AssuranceAmerica’s coverage areas, you can shop online to find a company that can give you the coverage you need to be street-legal.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

What You Need to Know About AssuranceAmerica Car Insurance

AssuranceAmerica only sells non-standard insurance in 10 states. Though this company has been in business for over 15 years, it doesn’t share much online information about its rates or discounts.

If you live beyond the company’s coverage areas or need more comprehensive coverage, you should consider shopping online for insurance. Shopping for coverage online is crucial for drivers to find insurance companies that offer great rates and excellent coverage.