Is AssuranceAmerica Good for Auto Insurance?

Last Updated on January 7, 2026

Choosing a car insurance company can be tricky—there are a lot of options, and the “best” insurer often depends on your driving record, budget, and where you live. The smartest approach is to compare quotes from both national and regional insurers so you don’t miss a good fit.

AssuranceAmerica is a regional insurer known for non-standard coverage—policies designed for drivers who may pay more elsewhere due to tickets, accidents, lapses in coverage, or other underwriting “red flags.” In this updated review, we’ll break down where AssuranceAmerica operates, what coverage they typically offer, what to expect for discounts and service, and how to decide if it’s right for you.

AssuranceAmerica at a Glance

• Best for: Drivers who need non-standard coverage (including many drivers who need an SR-22) and prefer working with an independent agent
• Not ideal for: Drivers seeking lots of customization, premium add-ons, or “top-tier” third-party ratings
• How you buy: Typically through independent agents (you can also start online and then finalize with an agent)

Where Is AssuranceAmerica Available?

AssuranceAmerica’s availability is regional. Based on the company’s published state information, they are active in the following states:

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

Because underwriting rules and coverages can vary by state, the fastest way to confirm availability and options is to request a quote and ask an agent what limits and add-ons are offered in your ZIP code.

What Kind of Auto Insurance Does AssuranceAmerica Offer?

AssuranceAmerica is built around the core coverages most drivers need to stay legal and protect themselves financially. At a minimum, you’ll see the legally required liability coverage for your state. Depending on your situation (loan/lease, vehicle value, and budget), you may also be able to add protections like:

• Collision and comprehensive (often referred to as full coverage when combined with liability)
• Uninsured/underinsured motorist coverage (where available)
• Medical payments coverage and/or PIP (varies by state)
• Towing and roadside assistance

AssuranceAmerica generally focuses on practical coverage structures for higher-risk drivers. If you want higher liability limits, specialty endorsements, or a long menu of optional coverages, ask your agent what’s available in your state—or compare quotes with multiple carriers to see who offers the best mix of price and protection.

If you’re curious about other common extras insurers may offer, see: a few add-ons.

Does AssuranceAmerica Offer Discounts?

AssuranceAmerica does not clearly publish a single, official “master list” of discounts online, and discounts can vary by state and agent. That said, it’s still worth asking for every savings opportunity you qualify for—especially if you’re shopping on a tight budget.

Common discount categories many drivers should ask about include:

• Continuous coverage (prior insurance history)
• Multi-car discount
• Defensive driver certification discount (where approved/available)
• Paid in full discount (paying the term upfront)
• Good student discount (if you have a qualifying student driver on the policy)

If you want a broader overview of discount types (and what paperwork you may need), start here: as many discounts.

Customer Service, Payments, and Managing Your Policy

AssuranceAmerica operates through independent agents, but they also support policy management tools for customers—especially for payments and documents. Many customers can pay online, access ID cards, and manage basic account functions digitally. If you prefer hands-on help (or your policy situation is more complex), an agent can walk you through coverage choices and required filings.

If you like working with a human (and want help comparing multiple insurers), here’s why some drivers prefer this route: local agent.

Claims: What to Expect

AssuranceAmerica allows 24/7 claim reporting by phone, which is important if you’re in an accident outside business hours. After the initial report, claim handling typically follows standard insurance workflows—an adjuster is assigned, damages are evaluated, and repairs/total loss decisions are made based on your coverage and deductibles.

If your car is declared a total loss, it helps to understand how settlement and payoff situations usually work: declared a total loss.

Financial Strength and Complaint Data

AssuranceAmerica is a smaller, regional carrier, so you may not see the same level of third-party scoring you’ll find with large national insurers. The company is commonly described as not rated by AM Best, and it is not typically included in large national customer satisfaction studies. For context on what insurer financial ratings mean, see: financial stability rating from AM Best.

For consumer experience, one of the more practical data points you can check is the NAIC complaint index (how many complaints an insurer receives compared to what would be expected given its size). In state regulator complaint reports where AssuranceAmerica appears, its complaint index has been above 1.0—meaning more complaints than expected. This doesn’t guarantee you’ll have a bad experience, but it’s a reason to read your policy carefully and keep documentation organized.

AssuranceAmerica also has a Better Business Bureau profile with a rating listed (and it is not accredited).

Pros and Cons of AssuranceAmerica

Pros

• Good option for higher-risk drivers: Can be a realistic path to coverage if you’ve had recent issues like accidents, violations, or coverage lapses.
• Agent-based support: Helpful if you want someone to explain limits, deductibles, and required filings.
• 24/7 claim reporting: Useful if you need to start a claim outside normal business hours.

Cons

• Limited transparency on discounts: You may need to ask directly (and discount availability can vary by state).
• Fewer third-party ratings: You may not find the same breadth of independent scoring as larger insurers.
• Regional availability: Not offered nationwide, and options vary by state.

Who Should Consider AssuranceAmerica?

AssuranceAmerica is most likely to be a fit if you’ve been turned down by standard insurers or you’re paying very high rates due to your record. Drivers who need proof-of-insurance filings (like SR-22s) may also find it useful to compare. If you’re unsure how long your filing requirement lasts, see: require SR-22s.

If you have a clean record, you should still quote multiple standard insurers—especially because tickets and accidents can impact pricing differently by carrier. Helpful references while you shop:

• who have accidents (how long they affect rates)
• driving violations (how they raise premiums)

FAQs on AssuranceAmerica Car Insurance

Final Verdict: Is AssuranceAmerica a Good Company?

AssuranceAmerica can be a practical solution if you need non-standard coverage to stay insured and legal—especially if you want an agent to guide you. But it likely won’t be the first choice for drivers seeking premium features, extensive discounts, or widely published third-party ratings.

Bottom line: Get at least 3 quotes (including one or two standard insurers) and compare the same limits and deductibles. The “cheapest” policy isn’t a bargain if it leaves you underinsured.

AssuranceAmerica Contact Information

Customer Solutions (Policy Questions & Billing): 1-800-450-7857
Hours: Monday–Friday 8:00am–7:00pm ET; Saturday 9:00am–5:30pm ET
Email: customer_service@aainsco.com

Claims (24/7 Reporting): 1-888-580-8134
Claims Fax: 1-888-579-8801
Email: claims@aainsco.com

Mailing Address (Customer Solutions): PO Box 723128, Atlanta, GA 31139-0128
Mailing Address (Claims): PO Box 725009, Atlanta, GA 31139-0009