Assurant Car Insurance Review [2022]

This Assurant car insurance review will cover Assurant car insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Assurant car insurance A.M. Best rating is A. Compare Assurant car insurance quotes against the best companies in your area to get the best rates for you.

UPDATED: Oct 20, 2022Fact Checked

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Oct 20, 2022

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Company Details
Address: One Chase Manhattan Plaza, 41st Floor
City: New York
State: NY
ZIP Code: 10005
Phone Number: 212-859-7000
Year Founded: 1892
AM Best Rating: A



Here's what you need to know...

  • Assurant Insurance does business internationally.
  • The company offers car insurance for personal cars, business fleets, and more.
  • One major goal of the company is to provide competitive rates for insurance.

Does Assurant Insurance Company offer car insurance? Yes, you can get Assurant car insurance across the nation. The company currently holds 1.06 percent of the car insurance market share.

Whether you’re looking for basic and affordable liability car insurance coverage or a full coverage policy, Assurant Insurance can provide you with a policy. However, potential customers won’t be able to see how much they could pay for coverage.

Looking for Assurant classic car insurance reviews? Continue reading to learn more about this and how you can get cheap car insurance with Assurant Insurance Company.

Our Assurant car insurance review will help you decide if this company is for you. Find affordable car insurance rates for you. Just enter your ZIP code into the free quote comparison tool above and compare multiple companies’ rates now.

What are Assurant’s car insurance rates?

Assurant is an underwriting entity for various insurance providers of different types. Therefore, Assurant Insurance Company doesn’t talk about their car insurance rates online.

You won’t get a quote since the company only allows potential customers to subscribe or contact an agent about getting services.

How does Assurant car insurance compare to other companies? Compared to the top car insurance companies in the United States, Assurant Insurance Company is much smaller.

There’s also no way to tell if you’ll pay less or more than more prominent companies. However, we can give you general average annual rates to provide you with an idea of how much you can pay per year.

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What is Assurant Insurance Company’s availability by the state?

Assurant car insurance is available in all fifty American states. The company is also located in different parts of the world, such as Latin America, Europe, and the Asia Pacific.

The company’s broad availability across the world makes it easy if you are wondering how to find a car insurance policy with Assurant car insurance.

The company performs underwriting for different providers, so you might receive services from this group under another name.

Where is Assurant car insurance headquartered?

Assurant Insurance Company is headquartered in New York but they have offices all across the U.S. and in many countries around the world. As far as Assurant car insurance’s history, they started out as LaCrosse Mutual Aid Association in 1892 offering disability insurance.

Since Assurant Insurance Company is an underwriting entity and does not list rates for policies, we’ll give you the average annual rates from some of the best car insurance companies by state so you get a better idea of what a policy might cost you.

Average Annual Car Insurance Rates by State
StateAverage Annual Rates
Alabama$3,567
Alaska$3,422
Arizona$3,771
Arkansas$4,125
California$3,689
Colorado$3,876
Connecticut$4,619
Delaware$5,986
Florida$4,680
Georgia$4,967
Hawaii$2,556
Idaho$2,979
Illinois$3,305
Indiana$3,415
Iowa$2,981
Kansas$3,280
Kentucky$5,195
Louisiana$5,711
Maine$2,953
Maryland$4,583
Massachusetts$2,679
Michigan$10,499
Minnesota$4,403
Mississippi$3,665
Missouri$3,329
Montana$3,221
Nebraska$3,284
Nevada$4,862
New Hampshire$3,152
New Jersey$5,515
New Mexico$3,464
New York$4,290
North Carolina$3,393
North Dakota$4,166
Ohio$2,710
Oklahoma$4,142
Oregon$3,468
Pennsylvania$4,035
Rhode Island$5,003
South Carolina$3,781
South Dakota$3,982
Tennessee$3,661
Texas$4,043
Utah$3,612
Vermont$3,234
Virginia$2,358
Washington$3,059
West Virginia$2,595
Wisconsin$3,606
Wyoming$3,200
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The rates above are a composite of car insurance rates from companies in each state. The rates represent the average amount drivers of all ages pay for car insurance from every company offered in each specific state.

Where you live drastically impacts the amount you’ll pay for car insurance policies. This means buying a policy from an Assurant affiliate will cost less in Maine than it will in, say, Texas.

Virginia, Hawaii, and West Virginia are some of the cheapest states for car insurance policies. The most expensive states for car insurance policies are Louisiana, Delaware, and Michigan. Expect rates from Assurant affiliates to reflect these averages.

What insurance coverage does Assurant offer?

What type of car insurance coverage does Assurant offer? All car insurance companies offer core coverage options. Core coverages include liability, collision, and comprehensive policies.

The level of coverage that you need depends on your state’s legal minimum level of car insurance requirements, and the type of car you drive.

In the table below, you can find the minimum car insurance requirements by state, with data from the Insurance Information Institute.

Minimum Car Insurance Requirements by State
StateMinimum BI & PD Liability LimitsRequired Insurance Policies
Alabama25/50/25BI + PD Liability
Alaska50/100/25BI + PD Liability
Arizona15/30/10BI + PD Liability
Arkansas25/50/25BI + PD Liability, PIP
California15/30/5BI + PD Liability
Colorado25/50/15BI + PD Liability
Connecticut25/50/20BI + PD Liability, UM, UIM
Delaware25/50/10BI + PD Liability, PIP
District of Columbia25/50/10BI + PD Liability, UM
Florida10/20/10BI + PD Liability, PIP
Georgia25/50/25BI + PD Liability
Hawaii20/40/10BI + PD Liability, PIP
Idaho25/50/15BI + PD Liability
Illinois25/50/20BI + PD Liability, UM, UIM
Indiana25/50/25BI + PD Liability
Iowa20/40/15BI + PD Liability
Kansas25/50/25BI + PD Liability, PIP
Kentucky25/50/25BI + PD Liability, PIP, UM, UIM
Louisiana15/30/25BI + PD Liability
Maine50/100/25BI + PD Liability, UM, UIM, Medpay
Maryland30/60/15BI + PD Liability, PIP, UM, UIM
Massachusetts20/40/5BI + PD Liability, PIP
Michigan20/40/10BI + PD Liability, PIP
Minnesota30/60/10BI + PD Liability, PIP, UM, UIM
Mississippi25/50/25BI + PD Liability
Missouri25/50/25BI + PD Liability, UM
Montana25/50/20BI + PD Liability
Nebraska25/50/25BI + PD Liability, UM, UIM
Nevada25/50/20BI + PD Liability
New Hampshire25/50/25Financial Responsibility only
New Jersey15/30/5BI + PD Liability, PIP, UM, UIM
New Mexico25/50/10BI + PD Liability
New York25/50/10BI + PD Liability, PIP, UM, UIM
North Carolina30/60/25BI + PD Liability, UM, UIM
North Dakota25/50/25BI + PD Liability, PIP, UM, UIM
Ohio25/50/25BI + PD Liability
Oklahoma25/50/25BI + PD Liability
Oregon25/50/20BI + PD Liability, PIP, UM, UIM
Pennsylvania15/30/5BI + PD Liability, PIP
Rhode Island25/50/25BI + PD Liability
South Carolina25/50/25BI + PD Liability, UM, UIM
South Dakota25/50/25BI + PD Liability, UM, UIM
Tennessee25/50/15BI + PD Liability
Texas30/60/25BI + PD Liability, PIP
Utah25/65/15BI + PD Liability, PIP
Vermont25/50/10BI & PD Liab, UM, UIM
Virginia25/50/20BI + PD Liability, UM, UIM
Washington25/50/10BI + PD Liability
West Virginia25/50/25BI + PD Liability, UM, UIM
Wisconsin25/50/10BI + PD Liability, UM, Medpay
Wyoming25/50/20BI + PD Liability
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To help you better understand the data in the table, let’s briefly explain what some of the acronyms stand for. BI refers to bodily injury liability, and PD stands for property damage liability.

UM and UIM refers to uninsured motorist and underinsured motorist protection, respectively. MedPay stands for medical payments. Finally, PIP means personal injury protection.

If you lease or finance your vehicles, or if you drive newer cars, you likely will want to invest in full coverage car insurance policies through Assurant.

While there is no one universal full coverage definition, through Assurant full coverage policies will include your state’s minimum liability requirements as well as collision and comprehensive coverage.

Assurant does not provide costs for collision or comprehensive policies. However, the National Association of Insurance Commissioners reports average annual core coverage policy rates for car insurance each year.

These rates differ from average annual company rates because they focus on a particular coverage type, rather than car insurance cost as a whole.

Using the data referenced above, take a look at how much the different types of policies might cost you in your state.

Average Annual Core Coverage Car Insurance Rates by State
StatesAverage Liability RatesAverage Collision RatesAverage Comprehensive Rates
Countrywide$555$326$148
Alabama$417$323$158
Alaska$567$361$140
Arizona$543$281$189
Arkansas$412$328$197
California$504$402$99
Colorado$542$289$185
Connecticut$685$374$132
Delaware$808$319$122
District of Columbia$663$471$231
Florida$885$288$119
Georgia$597$341$160
Hawaii$462$315$102
Idaho$368$222$118
Illinois$460$308$127
Indiana$393$252$122
Iowa$310$223$188
Kansas$365$263$244
Kentucky$541$273$141
Louisiana$814$421$217
Maine$353$267$101
Maryland$633$357$154
Massachusetts$612$392$136
Michigan$816$420$152
Minnesota$461$234$185
Mississippi$471$328$210
Missouri$436$278$183
Montana$400$266$225
Nebraska$377$240$229
Nevada$716$308$115
New Hampshire$406$300$109
New Jersey$896$383$127
New Mexico$510$279$175
New York$823$393$169
North Carolina$359$295$127
North Dakota$296$249$237
Ohio$406$273$121
Oklahoma$470$318$227
Oregon$609$230$93
Pennsylvania$509$331$146
Rhode Island$790$416$131
South Carolina$554$269$182
South Dakota$306$215$264
Tennessee$427$314$148
Texas$550$380$207
Utah$510$269$112
Vermont$357$303$131
Virginia$437$284$139
Washington$610$268$108
West Virginia$508$332$204
Wisconsin$381$227$138
Wyoming$341$277$253
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The total countrywide average annual rate is about $1,029 per year. Under certain conditions, you could pay close to this amount for car insurance if you choose to purchase a policy from an Assurant-affiliate.

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What are the Assurant Insurance Company’s bundling options?

The company has assets of over $27 billion and employs more than 14,000 people in the United States, Brazil, China, Ireland, Canada, Mexico, the United Kingdom, and other countries around the world.

Here is a list of coverages you can receive under Assurant Insurance Company:

  • Property liability insurance
  • Renters insurance
  • Manufactured housing insurance
  • Health insurance
  • Employee benefits
  • Group disability insurance
  • Cell phone protection plans

The Assurant Company offers vehicle insurance policies for personal cars, business fleets, recreational vehicles, and even boats and motorcycles.

Assurant helps clients protect their vehicle investments, which is one of the most important directives of their company.

Assurant health insurance and life insurance work differently than car insurance when you sign up and purchase policies. However, it will be much simpler to purchase an Assurant renters insurance policy and auto insurance policy together.

Assurant offers two renters insurance policies — a basic plan that is designed to fulfill your lease requirements and a more comprehensive plan that covers your belongings in addition to your apartment.

The basic policy includes property damage liability and personal liability coverage only. The former covers accidental damages to the property you’re living in, and the latter covers medical bills if someone is injured on your property.

Assurant condo insurance is available as well.

The company’s mobile device insurance policy details will vary based on the type of phone you have and the type of insurance plan you choose.

Options for these affordable plans include the My Wireless plan, Best Buy Geek Squad plan, Samsung Protection Plus, and Costco Max Protection.

What are the discounts offered by Assurant Insurance Company?

Combining coverage is one way to save on car insurance on the company’s already low prices.

Assurant offers discounts for all of its services, but it may be difficult to locate the percentage for each one. The company also has senior discounts, so you can save money on car insurance policies if you’re a senior driver.

What programs are available from Assurant Insurance Company?

Assurant offers an extension to homeowners called the First Protector Plan. It’s sort of like an Assurant warranty.

First Protector Plan is a mortgage insurance program that provides supplemental benefits in case of property damage caused by natural disasters.

It protects against all perils, including fire, flood, windstorms, radiation, earthquakes, mudslides, volcano eruptions, and gas leaks. Assurant has policies that cover appliances, tools, and even mobile devices.

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Can I cancel my Assurant car insurance policy?

Sometimes car insurance doesn’t have what you need, or maybe the monthly rates are too expensive. If you’re unhappy with your coverage option with your car insurance company, you may need to cancel.

Assurant Insurance Company doesn’t go into detail about how you can cancel policies, but we will walk you through the basics of canceling your car insurance policy with any general insurance company.

Is there a cancellation fee through Assurant car insurance?

Whenever you cancel a car insurance policy before the termination date, you could face a penalty through a cancellation fee. Fees can be as low as $25.

Some car insurance companies will issue something called a short-rate fee. A short-rate fee is a percentage of the remaining balance of a car insurance policy.

It is unclear if Assurant or its affiliates will charge a cancellation fee or not. Be sure to discuss these details with an agent before signing your name on the dotted line.

Is there a refund through Assurant car insurance?

If you paid your car insurance balance in full at the start of the policy but cancel before the term ends, you’re entitled to a refund. However, your refund will depend on how many months you used the car insurance services.

Car insurance use means the time you’ve had car insurance since the start of your policy.

Therefore, you will receive a partial refund if you canceled several months after you purchased your car insurance policy. Any potential cancellation fees may be deducted from your refund.

How do you cancel Assurant car insurance?

The surest way to cancel car insurance policies is to contact the Assurant customer service team and tell them you want to cancel. They may offer you discounts or go over other discounts. If you need to cancel your policies, stick to your decision.

Can I cancel my Assurant policy at any time?

Can you change your car insurance plan in the middle of the year?

Yes, you can cancel your car insurance policy with Assurant at any time. But the best time to cancel any car insurance policy is when your term naturally ends, so you can avoid any potential cancellation fees.

You might also consider picking a specific date in the near future and communicating that with your Assurant agent. Car insurance companies sometimes waive penalties like this if you choose a specific date to cancel.

Try to set your cancel date 15 to 60 days after you announce you want to cancel.

How do I make an Assurant car insurance claim?

You could make an Assurant car insurance claim by using your My Assurant car insurance login. Because Assurant is an underwriting entity, we couldn’t access Assurant’s car insurance claim policies.

That being said, you may be able to file a claim through the website’s login portal at myassurantpolicy.com. Try contacting an Assurant customer service agent at 1-888-260-7736 to file a claim by phone or to check your Assurant claim status.

Are Assurant Insurance company ratings positive?

Is Assurant Insurance Company a good company? The best way to answer that question is to look at their overall performance in financial strength, credit strength, and customer satisfaction.

Some Assurant car insurance reviews have little to no information on Assurant’s car insurance ratings, but we’ve provided a summary of their rates for you.

Assurant Insurance Company Ratings
Ratings AgencyAssurant Insurance Company Rating
A.M. BestA
Better Business BureauA+
S&P GlobalA
Moody'sA2
NAIC Complaint Index0.68
Consumer Affair3.5 out of 5 stars
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Under A.M. Best, Assurant Insurance Company shows an excellent ability to meet its ongoing obligations to customers. The company has maintained an “A+” rating with Better Business Bureau.

S&P Global and Moody’s have reported top grades for Assurant Insurance Company stating the company has strong financial security.

Assurant Insurance Company has also kept complaints lower than average, according to the NAIC Complaint Index, but the company has 3.5 stars out of five stars on Consumer Affairs.

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The Bottom Line: Is Assurant car insurance any good?

Assurant car insurance may not broadcast rates over the internet, but it appears to be doing well with financial strength and customer satisfaction.

Although it’s a bit lower on the car insurance market share, it maintains a top 20 spot on a list of profitable car insurance companies.

Are there Assurant solutions to your coverage needs? It depends on what you need. Make sure to shop around to find the right insurance provider for you.

Frequently Asked Questions: Assurant Car Insurance Review

You are now an expert on all there is to know about buying a car insurance policy from Assurant. Refer back to this guide as much as needed while you compare quotes and choose the right policy for you.

Did you think of some things we missed? Check out our frequently asked questions below for even more information.

#1 – Is Assurant part of Geico?

No. If you’ve heard about Assurant renters car insurance, it’s because Geico appears to sell renters insurance through some sort of partnership with Assurant.

#2 – Who has the cheapest car insurance?

USAA, State Farm, and Geico are often the cheapest car insurance companies, but it depends on where you live, your age, your driving record, and more. The best way to know you’re getting your best car insurance rates is by comparison shopping.

#3 – How do I contact Assurant insurance?

The Assurant car insurance phone number is 1-800-358-0600. Assurant’s claim service is available 24 hours a day, seven days per week.

#4 – Does Assurant cover a cracked screen?

Assurant does offer mobile device insurance. A damaged mobile phone screen can be covered through Assurant’s mobile device program. When you file a claim, an insurance adjuster will evaluate the issue and determine if it can be fixed or if you need a replacement phone, and whether or not the repair or replacement will be covered under your policy.

#5 – What is accident forgiveness?

Accident forgiveness is a program where a company will not increase your car insurance policy rate after an accident or minor traffic violation.

Some car insurance companies will give you accident forgiveness when you sign up, while other companies will ask that its customers pay for accident forgiveness. Sometimes accident forgiveness is only available through a loyalty discount.

Ready to buy car insurance? For affordable car insurance, enter your ZIP code into our free online comparison tool below to receive multiple quotes from companies near you.

Reviews
for Assurant

3.28 (209 reviews)
5
April 28, 2020

Helljayyy

Awesome

Great an awesome place to go and depend on them to have coverage so you don’t have to pay out of pocket fees
4
January 27, 2020

Jeramie

Review

They are a great company to work with. I had a accident and they were fast and concerned. I got my check in less than a month.
5
June 21, 2019

nadine07

great

great i love it it was so great great great great and i thank them for everything truly appreciated
4
April 13, 2018

user18

Auto

Great company that is involved with many aspects of life. The customer service is good but can use some improvements.
5
February 7, 2018

Piggylove

Great service

Great company awesome reasonable price and availability to meet my goals. Happy picked this company.
5
December 4, 2017

slippyb

Amazing experience

Good experience.. Good rates, tied with Geico for further discounts. I have a discount for good driving record, multi lines of business, assurant tied with Geico, and being a shareholder in Berkshire Hathaway. It is a family business and they treat their stakeholders extremely well.
5
November 10, 2017

billychoey

Good Service

They seem to have common sense, and have very good response to any issues I face (despite me usually having very minimal or simple issues). I have never truly tested or had a complex issue, which could mean that this is a slightly premature review.
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