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AssuranceAmerica Car Insurance Rates & Cost - 2024

Choosing a car insurance provider can feel overwhelming. If you're considering AssuranceAmerica, reviewing its rates carefully will help you decide if it's the right fit. However, we recommend gathering quotes from several providers to ensure you're getting the best value when you want to save money on your car insurance.

AssuranceAmerica car insurance pricing per month

Full-coverage car insurance from AssuranceAmerica averages $201 per month. Drivers who choose minimum liability-only coverage can expect average costs around $113.

Keep in mind these are average figures. Your individual rate will depend on several factors, including age, location, credit score, and driving history. While your actual AssuranceAmerica rate may be different, these averages provide a useful benchmark for comparing providers.

AssuranceAmerica average monthly cost National average monthly cost Full coverage $201 $187 Liability-only $113 $98

AssuranceAmerica's rates versus other car insurance providers

Each company evaluates risk and applies discounts differently, which means pricing can vary significantly. Comparing quotes is worthwhile to understand how AssuranceAmerica's rates match up for your particular situation.

Provider Average monthly full coverage cost Average monthly liability-only cost State Farm $108 $53 Progressive $152 $86 GEICO $148 $80 Allstate $148 $72 USAA $103 $51 AssuranceAmerica $201 $113

AssuranceAmerica's rates by age

AssuranceAmerica, like most insurers, weighs age heavily when setting prices. Car insurance for teen drivers carries the highest cost, with full-coverage premiums averaging $468 per month.

Rates typically decline as you move into your 20s, with AssuranceAmerica averaging $267. Prices continue falling through your 30s to an average of $179 and your 40s to an average of $156.

Drivers in their 50s and 60s typically benefit from some of the most affordable rates, with averages around $142 and $141 per month.

Premiums may increase once you reach your 70s, with monthly averages climbing to $165. These patterns show how insurers view risk across different life stages.

Age group AssuranceAmerica average monthly full coverage cost National average monthly cost Teens $468 $347 20s $267 $238 30s $179 $198 40s $156 $192 50s $142 $178 60s $141 $163 70s $165 $167

AssuranceAmerica's rates for high-risk drivers

A history of traffic violations or accidents will likely push your average AssuranceAmerica car insurance rate higher. High-risk drivers with a speeding ticket face average rates of $260 per month. Those with an at-fault accident typically pay around $269 monthly.

A DUI results in substantially higher costs, with average monthly rates near $289. These amounts reflect standard pricing for high-risk drivers, though your actual rate will vary based on the incident's recency and other rating factors.

Driving record AssuranceAmerica average monthly full coverage cost National average monthly cost Accident $269 $250 Speeding ticket $260 $241 DUI $289 $269

How does your credit score affect your rate with AssuranceAmerica?

Most states allow your credit score to influence your insurance rates. The four exceptions are California, Hawaii, Massachusetts, and Michigan.

Where credit matters, AssuranceAmerica generally adjusts pricing according to your credit tier. Drivers with excellent credit average $175 per month, while good credit drivers pay slightly more at around $192.

Average credit typically results in monthly premiums near $199. Drivers with poor credit average closer to $244 per month.

These figures demonstrate credit's significant impact on your monthly rate, though your final pricing depends on other personal factors as well.

Credit score AssuranceAmerica average monthly cost of full coverage National average monthly cost Excellent $175 $163 Good $192 $179 Average $199 $195 Poor $244 $227

FAQs

Can I get discounts to lower my AssuranceAmerica premium?

AssuranceAmerica doesn't list available discounts on their website, which makes it difficult to know upfront what savings opportunities exist. An independent agent should be able to explain any discounts you might qualify for when you request a quote.

Does AssuranceAmerica offer coverage in my state?

AssuranceAmerica only operates in 10 states: Alabama, Arizona, Florida, Georgia, Indiana, Missouri, Nebraska, South Carolina, Texas, and Virginia. If you live outside these states, you won't be able to purchase coverage from AssuranceAmerica and will need to explore other non-standard insurers that serve high-risk drivers in your area. The company sells all policies through independent agents rather than directly, so finding a local agent in one of these states is necessary to get a quote.

Bottom line

Should you choose AssuranceAmerica as your car insurance company? Requesting quotes from AssuranceAmerica and several competitors, then comparing them on price and service, is the most reliable way to decide.

Data throughout provided by Insurify.

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AssuranceAmerica Car Insurance Rates & Cost - 2024