Save up to 75% on car insurance
Cheapest Rates from
Start Here
Enter your zip code

Affirmative Auto Insurance Review

Sunday, 15 December 2013 18:56

Affirmative Insurance Holdings sells Affirmative branded auto insurance in 11 states to high risk and non-standard drivers who are having trouble finding coverage options. The company has received some negative reviews and the financial stability ratings from A.M. Best are largely negative. The type of insurance products offered varies from one state to another, and the company is more of an insurance marketing service rather than a major provider. Customer reviews mentioned difficulties with claims processing and various other customer support issues, but there are few overall reviews of the company aside from some complaints on the company’s BBB page.

Company Background Information

Affirmative auto insurance is sold by Affirmative Insurance Holdings which was founded in 1998 and began selling insurance through its call center and through the internet. Affirmative has processing centers located in Chicago and Dallas and focuses on offering auto insurance to non-standard and high risk drivers. Affirmative sells insurance in 11 state markets and offers many different insurance options outside of auto insurance. Different insurance products are offered in each state market due to the fact that the company functions primarily as an insurance marketing service. Affirmative Insurance Holdings was given a C- (Weak) rating in the most recent A.M. Best survey due to a continual loss of policyholder surplus funds, solvency issues and other issues. The company’s customer service and satisfaction has not been rated by J.D. Power.

Pros of Affirmative Auto Insurance

  • May offer coverage for insurance seekers who have difficulties getting covered elsewhere

Cons of Affirmative Auto Insurance

  • Some negative customer reviews
  • Weak financial outlook as rated by A.M. Best
  • Coverage options vary dramatically based on the state
  • Has not been rated by J.D. Power


There is no information about discounts listed on Affirmative’s website; interested customers would need to contact an agent in order to get more information.

Types of Insurance Offered

Products vary based on the state but in most states where Affirmative sells insurance it offers minimum liability coverage along with supplementary coverage options for additional equipment, towing coverage, roadside assistance, rental vehicle reimbursement, uninsured motorist coverage, medical payments and other coverage options.


The website is well designed but basic and does not have a large amount of information about the company’s insurance products and discounts. Potential customers can request a quote from the homepage or find a local agency that sells Affirmative insurance. Claims cannot be reported from the website, and there is very little information on the specific insurance products offered for each Affirmative state.

Customer Reviews

There are a number of complaints of Affirmative on the company’s BBB page, and although those issues were resolved by the company there are other negative reviews published on other websites. There were a few negative reviews published on other websites. The negative reviews mentioned some issues with claims processing, difficulties with getting reimbursements for accident expenses, and other issues. Most of the complaints were from people who were hit by vehicles insured by Affirmative.



Based on the limited information regarding the company’s customer service and the more reliable information regarding its financial outlook, it is most likely not worth it for most drivers to consider Affirmative auto insurance. However, the company may be worth a look for some high risk auto insurance shoppers who live in one of the states where it offers auto insurance, and their rates and levels of coverage should always be compared with other high risk providers. If you happen to be searching for high risk auto insurance now, you can get quotes from many insurance providers by entering your zip code in the field on this page.

Compare Quotes and Save Hundreds a Year on Car Insurance

The easiest way to make sure that you are getting the best rates is to ask for quotes from different insurance companies. Get started comparing quotes now!

Zip Code
Need a quote?
Enter your zip code - It's fast, free and easy!