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AssuranceAmerica at a glance:

  • Good for customers with SR-22s or incomplete insurance histories.
  • Operates primarily over the phone or through local agents, so customers get a personalized experience.
  • Entry-level insurance option for drivers with low credit scores.
  • Limited online information or capabilities.
  • No mobile app.
  • Only offers standard coverage options.

AssuranceAmerica car insurance review

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3.0 Rating from The Zebra

Licensed and active in 10 states, AssuranceAmerica primarily caters to the non-standard market. Driverswith a history of tickets or inconsistent insurance history may find AssuranceAmerica a good fit. Based in AtlantaGeorgia, AssuranceAmerica uses a network of independent insurance agencies to sell policies and also offers online insurance quotes through TrustWay Insurance, a subsidiary.

Continue reading for our comprehensive AssuranceAmerica insurance review, including coverage information, discounts and customer service rating.

  • Customer satisfaction (J.D. Power) — Not rated
  • Claims satisfaction (J.D. Power) — Not rated
  • Financial strength (AM Best) — Not rated
  • NAIC Rating — Poor: The number of customer complaints regarding AssuranceAmerica surpassed the national average, according to the National Association of Insurance Commissioners (NAIC).
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Where is AssuranceAmerica coverage available?

Insurance CompanyAvailable States


AssuranceAmerica car insurance coverage options

All the auto insurance coverage you need to drive legally can be found through AssuranceAmerica — but don’t expect much more. When generating a quote online through the company's subsidiary, TrustWay Insurance, you are given three tiers of coverage to choose from. Coverages can be customized — to an extent — with the option of adding personal injury protection (PIP), towing and accidental death. It’s also worth noting that AssuranceAmerica does not offer anything more than the state minimum amount of liability coverage, with no way of raising your coverage limits.

Minimum coverage
Minimum coverage

If you only need the legal minimum insurance coverage required by your state, this tier offers the state-mandated amount of liability coverage.

full coverage
Full coverage

Including comprehensive and collision coverage for your vehicle in addition to liability, AssuranceAmerica's full coverage offers physical coverage for your own vehicle.

premium coverage
Premium coverage

This tier of coverage includes liability, comprehensive, collision, uninsured motorist and medical payments coverage.

AssuranceAmerica auto insurance discounts and reward programs

Compared to many of the big insurance players on the market, most smaller or non-standard insurers tend to offer fewer discounts for policyholders. AssuranceAmerica only offers four.

Discounts based on your insurance policy

  • Prior insurance: Offer proof of your prior insurance to receive an AssuranceAmerica discount on your next auto policy.

Discounts based on the driver or vehicle

  • Homeowner: Policyholders who own their homes may be eligible for some savings.
  • Military: Those who have served in the armed forces can receive a military discount upon proof of active service.
  • Warehouse club members: Members of Sam’s Club, Costco and BJ’s can qualify for this discount.

How to make policy changes with AssuranceAmerica

AssuranceAmerica focuses on a highly personalized customer experience, operating mostly over the phone or in person to service customers. Policyholders must call into its customer service desk to make changes to their policies, including changing coverage tiers, cancellations and adding or dropping drivers or vehicles. Customers can make payments online, but further modifications will need to be made over the phone, in-person with your local agent or by mail. AssuranceAmerica does not have a mobile app or offer a telematics program. 

Auto insurance is AssuranceAmerica's sole insurance product.

Is AssuranceAmerica a good insurance company?

If you’re looking to drive legally as soon as possible, have past infractions or citations and live in a state in which AssuranceAmerica offers insurance, it could be a great company for non-standard auto insurance. You can either choose to purchase your policy online or consult with an insurance agent at a retail location if you need more personalized assistance. However, it’s important to understand the limits in coverage and how the insurer's questionable financial standing might affect your experience if you need to file a claim or work with the company's claims department. Compared to many other insurance companies, AssuranceAmerica’s coverage and discounts are lackluster if you’re looking for a robust car insurance policy.

Comparing policies from as many auto insurance companies as possible is the most effective way to score a budget-friendly insurance rate and the coverage you want.

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Save an average of $440 a year by comparing your options.

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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.