Affirmative Car Insurance Review [2020]

Affirmative car insurance in a small company based in Texas. Affirmative car insurance currently has an A+ rating from the BBB for the quality of its customer service.

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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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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®

UPDATED: Oct 13, 2021

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Company Details
Address: 4450 Sojourn Drive Suite 500
City: Addison
State: TX
ZIP Code: 75001
Phone Number: (800) 877-0226
Year Founded: 1998
Company Rating 0 (0 reviews)

Here's what you need to know...

  • Affirmative Car Insurance is only available in certain states
  • The company has several coverage options
  • Non-standard insurance typically works for individuals with blemished driving records

Affirmative Insurance Holdings, Inc. is available in 11 different states, with Indiana and Illinois being their largest clients. The company is based in Texas and is rated highly by the Better Business Bureau. Like many other small insurance companies, they offer their products on the idea that they can provide local service and a friendly feel. They may offer an insurance policy they claim is more customized to you.

The company offers many discounts including good student discounts, multiple car discounts, and a driving safety course discounts. Available discounts may vary by state, so it is best to speak to an agent to see what is available in your area.

Just enter your zip code above to compare rates from multiple insurance companies today!

What does Affirmative Insurance offer customers?

Affirmative Car Insurance Corp. offers car insurance for many non-standard drivers. For those with a blemished driving record from fender benders or speeding tickets, non-standard insurance may be their best option for a fair monthly rate.

Sometimes certain types of vehicles may also fall into the non-standard category, such as custom built cars or certain performance cars. Lack of prior coverage–as well as the age of the driver–can also put one into the non-standard category.

This is a departure from the common small company that is more risk averse. Many companies like Affirmative Insurance avoid non-standard drivers because they come with a higher risk of claims. Affirmative Insurance premiums may be higher than your average. But their niche is not offering the lowest price to appeal to everyone. Their goal is to provide insurance coverage with less competition to those who may have trouble finding products somewhere else.

Basically, if you are considered a high-risk, then you are often categorized as non-standard.

The company offers full coverage policies and liability-only policies to suit drivers’ various needs. Liability-only coverage offers protection if bodily injury occurs to others in an accident. It also provides a lawyer in cases of a lawsuit.

Full coverage makes sure that all insured losses will be paid in full.

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