AssuranceAmerica Review (2024)
AssuranceAmerica only offers non-standard car insurance. Though it has a mobile app, the website doesn't offer much policy information. Since AssuranceAmerica only provides coverage to 10 states, drivers who live beyond its coverage areas can shop online to find a local insurance company.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Jun 30, 2022
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- 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.
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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:
| State | Liability Coverage Yearly Rates | Liability 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 |
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:
| States | Coverage 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 |
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.
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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.