American Automobile Car Insurance Review [2020]

American Automobile car insurance insures high-risk drivers with speeding tickets, DUIs, and multiple claims. American Automobile has an "A2" financial rating from A.M. Best.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Jan 25, 2021

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Company Details
Address: 225 W. Washington Street Suite 1800
City: Chicago
State: IL
ZIP Code: 60606-3484
Phone Number: 415-899-2000
Year Founded: 1863
AM Best Rating: A+ (Superior)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • American Automobile Insurance is a small subsidiary of the Fireman’s Fund
  • The company offers options for car insurance to individuals living in a specific region
  • If you are looking to purchase auto insurance, get quotes from multiple companies before making a decision


This car insurance review is for the American Automobile Insurance Company which is a small, regional auto insurance provider based in Dallas, Texas. They specialize in personal auto insurance for high risk drivers.

American Automobile is a subsidiary of nationally-known insurance provider Fireman’s Fund, which itself has been part of Germany’s largest insurance operation, Allianz SE, since 1991.

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More About American Automobile Insurance

Specific details about American Automobile are not readily available due to the fact that Fireman’s Fund prefers to be the only visible connection to its subsidiaries.

However, it is known that the Fireman’s Fund group of companies provides an extensive list of insurance services to both retail consumers and commercial customers alike. For individuals, the product list includes policies of car insurance, as well as:

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Moody’s, one of several internationally-known financial services ratings firms, reaffirmed the stability of Fireman’s Fund and its family of companies in 2015. The company received a financial strength rating of A2 and a future outlook rating of “stable.”

The ratings were based on the continued health of the company as compared to that of the previous year.

The one concern with Fireman’s Fund and American Automobile Insurance is the volatility of its reserve funds. The companies underwent some serious financial challenges in recent years due to natural disasters in California and other states.

Underwriting from Allianz has helped to stabilize the position of Fireman’s Fund and its subsidiaries, allowing Moody’s to continue giving good ratings.

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