American Road Car Insurance Review [2023]

American Road car insurance is a Michigan-based subsidiary of the Ford Motor Credit Company. American Road has assets in excess of $590 million.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

UPDATED: Jun 21, 2023

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Here's what you need to know...

  • American Road Insurance is based out of Dearborn, Michigan
  • American Road offers several types of insurance services including physical damage and liability reinsurance
  • Research about American Road may be difficult to do because there is no official company website

Who are they as a company?

The American Road Car Insurance Company is a Michigan-based stock company incorporated in December of 1959.

American Road Insurance operates out of the 52-year-old headquarters in Dearborn, Michigan. This could certainly prove that they have solid bones as a company. Most people could take heart in knowing that they’ve had the same headquarters, and have been such a long term company. The insurance industry is heavily competitive; the fact that they’ve been around so long says great things about their business choices.

American Road insurance provides multiple types of vehicle insurance products including the following:

  • Contractual liability insurance
  • Physical damage insurance
  • Physical damage and liability reinsurance
  • Extended service plan contracts

In terms of what they have to offer, they have just as many options as most other providers, they just seem to be a little less present within the online community. They have a rich history, and a longstanding company presence.

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American Road Insurance of Dearborn Michigan operates as a subsidiary of the Ford Motor Credit Company.

American Road Insurance is a fire and casualty insurance company that has assets in excess of $590 million, capital of $3 million, and a net surplus of more than $260 million.

American Road Insurance offers multiple types of insurance policies including auto, boat, and business.

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What are your options when contacting them?

Unfortunately, there is no official website for the American Road insurance company which can make learning more about their varied auto, boat, and business insurance policies and their rates very difficult. They are one of the insurance providers out there who offers numerous sorts of policies though, so they would be worth looking into. This may mean calling to speak with someone, which can sometimes be seen as a hassle. However, speaking with an agent who knows the business and is able to provide you with quality information should not be looked at as a terrible option.

If you’re averse to speaking with agents over the phone or in person, one suggestion would be to look into car insurance companies that are more prevalent online to make comparing rates easier.

The easiest way to compare car insurance rates is by using our free tool to compare the car insurance quotes of the American Road Insurance online today against the car insurance rates of many top companies.

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Frequently Asked Questions

What are the assets and net surplus of American Road Insurance?

American Road Insurance has assets in excess of $590 million, capital of $3 million, and a net surplus of over $260 million. These figures indicate their financial strength and ability to handle claims.

Is American Road Insurance a subsidiary of Ford Motor Credit Company?

Yes, American Road Insurance operates as a subsidiary of the Ford Motor Credit Company. This affiliation adds to their credibility and financial backing.

What is American Road Insurance?

American Road Insurance is a Michigan-based stock company that offers various insurance services, including physical damage and liability reinsurance.

Where is American Road Insurance based?

American Road Insurance operates out of Dearborn, Michigan. They have a longstanding presence in the area, which speaks to their stability and business choices.

Can I bundle my insurance policies with American Road car insurance?

Yes, American Road car insurance offers the option to bundle insurance policies. This means you can combine multiple types of coverage, such as auto, home, or business insurance, under a single insurance policy. Bundling can often lead to cost savings and simplified management of your insurance needs.

Does American Road car insurance offer any discounts or special programs?

American Road car insurance may offer discounts and special programs to help policyholders save on their premiums. These discounts can vary based on factors such as safe driving records, vehicle safety features, multi-policy discounts, and more. Ask American Road Car Insurance what discounts and programs you may qualify for.

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