Monthly payments are often available, but installment fees and options vary by carrier and state. Reviewing the total term cost and monthly amount helps you compare accurately.

Assurance America Insurance Company (2026 Guide)

Q: What does Assurance America Insurance cover?

Coverage commonly includes liability insurance, uninsured/underinsured motorist, medical payments (where available), and full coverage options like comprehensive and collision. Availability varies by state and policy.

Q: Is Assurance America Insurance cheap?

It can be competitive for certain drivers, but the cheapest rate depends on driving record, location, vehicle, coverage selections, and credit-based insurance scoring where allowed. Comparing multiple insurance companies with the same limits is the best approach.

Q: Can you help me get proof of insurance and ID cards fast?

Yes. After binding coverage, you can typically access proof of insurance and ID cards quickly through the carrier or with agent help.

Q: Do you offer SR-22 insurance with Assurance America?

SR-22 is a filing, not a separate insurance policy. Eligibility depends on the carrier and your state. An agent can confirm which options can file SR-22 for your situation.

If you’re comparing insurance companies and want a simple, reality-based breakdown, this article explains what Assurance America typically offers, who it fits best, and how to compare an insurance quote the right way. If you want help fast, we can shop your auto insurance options and send proof of insurance and id cards when you bind a policy.

Get Quote Now 📞 Call 888-445-2793

Tip: Most rate changes happen at renewal (often every 6 month term) or after a driver/vehicle update.

A Plus Insurance is an independent agency. That means we can compare pricing and coverage across multiple carriers, including providers you already know, and help you decide whether an Assurance America policy is the right fit. For a broader shopping page, see our insurance providers list.

Quick reality check: “Cheapest” isn’t always the best long-term value. The best “cheap” plan is the one that still covers the stuff that actually hurts financially: liability, uninsured motorist, and the right deductible for comprehensive/collision if you need full coverage.

What is Assurance America Insurance?

Assurance America is commonly positioned as an “affordable” option for certain driver profiles. Availability and appetite can vary by state, vehicle type, driving history, and prior insurance. Your premium is based on rating factors like driver record (violations, accidents, DUI), vehicle, garaging location, and in many states credit-based insurance scoring.

If you’re shopping in multiple lines, you can also review options for homeowners insurance, business insurance, and motorcycle insurance / RV coverage.

Coverage options you’ll see on an Assurance America quote

Most shoppers are choosing between liability insurance (often called “liability only”) and full coverage (liability + comprehensive + collision). What’s “right” depends on the vehicle value, lienholder rules, and how much risk you can afford.

Liability only (state minimum or higher)

Liability pays for injuries and property damage you cause to others. If your budget is tight, the goal is to keep liability strong enough to protect you from a lawsuit while still keeping insurance rates manageable. (If you need a non-owner option instead of vehicle-based coverage, see non owners coverage details.)

Full coverage (comp + collision)

Comprehensive covers things like theft, glass, hail, fire, and animal strikes. Collision covers your car if you hit something or someone hits you. Your deductible choice is a big lever on price.

SR-22 insurance filing

If you need sr22 insurance, remember: SR-22 is a filing, not a special policy. We can confirm eligibility and file SR-22 through carriers that support it. Start here: SR-22 requirements by state. Examples of local SR-22 pages include St. Petersburg SR-22, Atlanta SR-22, and Houston SR-22.

Who Assurance America tends to fit best

Drivers focused on keeping rates low while staying legal with proper vehicle insurance.
Shoppers who are okay with simple coverage structures (liability only or basic full coverage).
Drivers who want a payment plan and a predictable monthly month-to-month budget.

Why your Assurance America rate can change

It’s normal for insurance auto pricing to move at renewal. Common reasons include: rate filings in your area, claim trends, changes in your credit, new violations/accidents, a changed address/garaging, adding a driver, or a vehicle change. If you’re frustrated with increases, we can compare other carriers quickly. Start with our auto insurance page.

Good move: If you had a lapse or a prior cancellation, don’t guess. We’ll run a real market comparison and explain the tradeoffs. Many “cheap” quotes look good until the fees, coverage gaps, or deductible choices show up.

2026 rate table (example ranges)

These are example ranges to help you sanity-check a quote. Actual pricing depends on your ZIP, vehicle, record, and coverage selections. We’ll confirm with live quotes.

Driver profile	Liability only (monthly)	Full coverage (monthly)	Notes that move the price
Clean record, older paid-off vehicle	$55–$120	$120–$240	Limits, UM/UIM, prior insurance, deductible
1 ticket or minor at-fault	$85–$170	$170–$320	Recent violations, claim frequency in area
Multiple violations / high risk	$140–$280	$260–$480	DUI, accidents, lapse, SR-22 filing
Newer financed vehicle	—	$210–$420	Lienholder requires comp/collision

Price comparison chart (liability vs full coverage)

The chart below shows a simple comparison of monthly ranges. If the chart doesn’t load, the fallback table will appear automatically. For more local comparisons, you can also browse pages like Aurora, CO or Scottsdale, AZ.

Coverage type	Assurance America (example)	Market average (example)
Liability only	$85–$170 / month	$95–$190 / month
Full coverage	$170–$320 / month	$190–$360 / month

How to get an Assurance America quote through A Plus Insurance

Tell us your state, ZIP, vehicle, and drivers (or use the quote link).
We run a real-time compare across carriers and coverage options.
Pick the best fit, then we can help you print id cards and send proof of insurance.

Start now: Get Quote or call 888-445-2793.

Optional reading while you’re shopping: cheap auto examples in Oklahoma, Vermont quotes, and West Virginia quotes.

Alexis saved my life !!! If I didn’t find full coverage car insurance with a decent rate or at least cheaper than $500 per month I was going to not only lose my new car but also lose my job and this is the worse time for me to be taking ANY of those type of loses. Alexis was able to find me a WONDERFUL rate in a matter of 10-15 mins of being on the phone, keeping in mind that I had been calling various insurance companies back to back for 3 days and could not get a full coverage insurance policy for less than $500 per month anywhere. When Alexis told me what my monthly premium and down payment would be I instantly cried joyful tears and rejoiced over the phone. I just couldn’t contain my emotions at that point bc the whole process before speaking with her was extremely stressful. Thank You so much A Plus for having such an amazing employee, she was kind, patient, knowledgeable, and absolutely amazing.
read moreread less

Brionna W.
2/28/2024

Alexis was polite, professional, and very articulate to make sure I was covered on everything I asked!
read moreread less

Kristopher
5/23/2025

Fantastic and fast auto insurance
read moreread less

Cassie D.
1/09/2026
This was made easy compared to many others. Made getting insurance easy and I shopped around. Camron Moss is a gentleman and helped me efficiently with positivity. Thank you
read moreread less

Jeff M.
8/14/2025

Alexis, with A Plus Insurance for South Carolina, was an exceptional service provider. She assisted me in securing a more favorable rate, resulting in significant savings of approximately $200 per month on my coverage. Alexis undoubtedly contributes positively to the company’s success.
read moreread less

Kwame D.
9/10/2025

Great customer service
read moreread less

Kathy D.
10/23/2025

Frequently Asked Questions (Assurance America)

Note: Answers below are general guidance. Your actual policy options and rates depend on underwriting in your state and your driver profile.

What does Assurance America Insurance cover?

Coverage commonly includes car insurance options like liability insurance, uninsured/underinsured motorist, medical payments (where available), plus comprehensive and collision for full coverage. Exact options vary by state.

Is Assurance America Insurance “cheap”?

It can be competitive for certain drivers, but “cheapest” depends on your record, location, vehicle, and credit (in many states). The right move is to compare multiple insurance companies with the same limits and deductible.

Can I pay monthly?

In many cases, yes. Monthly billing is common, but fees and installment options vary. We’ll show your total cost for the term and your per month payment.

Can you help me get proof of insurance and ID cards fast?

Yes. Once you’re bound, we can help you get proof of insurance and Insurance Card / id cards access quickly.

Do you offer SR-22 insurance with Assurance America?

SR-22 is a filing, not a separate policy. If you need an SR-22, we’ll confirm which carriers can file it for your case and your state. Start here: SR-22 by state.

What if I don’t own a car?

You may need non owners coverage. That’s different from standard vehicle insurance. Read more: non-owner policy options.

What should I do if my rate jumped at renewal?

Don’t guess—shop. Many increases are market-wide, but you can often lower cost by adjusting limits, deductible, or switching carriers. Start with: auto insurance options.

Get an Assurance America quote (and compare options)

If you want an apples-to-apples comparison, we’ll quote and explain coverage in plain language so you can choose confidently. Get a fast insurance quote online or by phone.