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AssuranceAmerica Car Insurance

Smart Score

54

Industry Average: 75

Smart Score

54
/100

Industry Average: 75

Customer Service

7.7
/10

Industry Average: 7.7

Claims Process

6.4
/10

Industry Average: 8

Value for Price

3.8
/10

Industry Average: 7

AssuranceAmerica Overview

AssuranceAmerica was founded in Atlanta, Georgia, in 1998. It is a small car insurance company that primarily caters to the non-standard market.The non-standard designation refers either to drivers with unusual needs, those that require an SR-22 policy or those who have been placed in a high-risk pool due to multiple accidents, violations, or DWI/DUIs. Assurance America sells its policies through a select group of agents chosen to represent them and their product offerings. AssuranceAmerica currently has an affiliation with more than 2,500 agencies across the country.

Lines of Business:

AssuranceAmerica Ratings Breakdown

Smart Score

54

AssuranceAmeric: 54
Industry Average: 75
AssuranceAmeric: 54
Industry Average: 75

Why our Smart Score matters

AssuranceAmerica’s Smart Score of 54 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering AssuranceAmerica’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 54, AssuranceAmerica falls short of the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

7.7

AssuranceAmeric: 7.7
Industry Average: 7.7
AssuranceAmeric: 7.7
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with AssuranceAmerica’s representatives, and their experience with online tools like quoting and managing a policy via website or app. AssuranceAmerica’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from AssuranceAmerica’s service score of 7.7, they have a decent rating compared to similar auto insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

6.4

AssuranceAmeric: 6.4
Industry Average: 8
AssuranceAmeric: 6.4
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with AssuranceAmerica. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast AssuranceAmerica handles it.


AssuranceAmerica’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with AssuranceAmerica.


What does this mean for you?

Evident from a claims score of 6.4, AssuranceAmerica has a less stellar rating compared to the average claim score of 8 for similar auto insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

3.8

AssuranceAmeric: 3.8
Industry Average: 7
AssuranceAmeric: 3.8
Industry Average: 7

AssuranceAmerica’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How AssuranceAmerica comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

AssuranceAmerica’s value for price score of 3.8 is not great compared to the average of 7 from other auto insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

AssuranceAmerica Auto Official Complaints

Official Complaints

Worse than average

Tracks how many more or less official complaints AssuranceAmerica has than average. With an index of 2.21 AssuranceAmerica is worse than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints AssuranceAmerica has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) AssuranceAmerica has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 2.21 AssuranceAmerica is worse than average.

AssuranceAmerica Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by AssuranceAmerica

Available OptionsWhat it meansSee something wrong?
Comprehensive Coverage

Coverage that helps pay to repair or replace your car if its damaged in an accident that is not a collision.

Bodily Injury Coverage

Coverage that helps pay for bodily injury liabilities from medical treatment, rehabilitation and funeral costs incurred by your passengers, other drivers and their passengers and pedestrians that may have been affected by the incident.

Property Damage Coverage

Covers repair or replacement of other people's cars and property.

Uninsured Motorist Coverage

Covers hit and runs, or someone who is inadequately insured who strikes your car, uninsured motorists and under insured motorists.

Personal Injury Protection

Covers medical, rehabilitation and funeral costs for you and your passengers, as well as some lost wages.

Collision Coverage

Required for most car loans, this insurance pays to replace or repair your car after an accident.

AssuranceAmerica doesn't have availability

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