AmGUARD Insurance Group Car Insurance Review [2021]

"AmGuard car insurance only offers commercial car insurance coverage. They specialize in coverage for small to medium-size businesses. AmGuard currently has an A+ financial rating from A.M. Best.

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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 18, 2021

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Company Details
Address: 44 R West Market St.
City: Wilkes-Barre
State: PA
ZIP Code: 18701
Phone Number: 800-673-2465
Year Founded: 1982
AM Best Rating: A+ (Superior)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • AmGUARD is owned by Guard Insurance Group
  • The company only offers commercial car insurance coverage
  • The company’s ratings are very positive


AmGUARD insurance company is a subsidiary of Guard Insurance Group and was established in 1983. They are licensed to sell insurance products in 45 states and Washington DC. They are a commercial provider, but don’t let that stop you from reading into a well-rounded company. There are some factors you should be aware of anytime you are looking for a way to protect yourself and your personal property from any damage that could happen to you on or off the road.

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What does AmGUARD have to offer customers?

This is a very commonly asked insurance question, because anyone shopping for insurance is going to want to know what a company has to offer. In the case of AmGUARD, they do have a specific set of policies that they offer. AmGUARD is most well known for their commercial products, specifically their workers’ compensation products. However, they also sell:

  • Business owner’s insurance
  • Commercial coverage
  • Umbrella/Excess insurance
  • BizGUARD Plus

AmGUARD sells commercial auto insurance in Pennsylvania, New Jersey and South Carolina. They aren’t licensed to sell auto insurance in any other state.

What’s more, AmGUARD doesn’t sell any individual car insurance.

The Guard Insurance Group has a BBB (Better Business Bureau) rating of C+. There have been four complaints filed against this company for the past 3 years, but they have all been resolved.

AmGUARD has an A.M. Best rating of A+, which is an excellent rating. The long-term outlook for AmGUARD is stable, and the ratings and outlook have not changed over the past 5 years.

Because AmGUARD does not sell personal car insurance–and sells commercial car insurance in only three states–they are not a viable option for the majority of consumers who happen to be looking for personal insurance.

However, the insurance industry is vast. You can easily find other options by using our free quote tool. Just because AmGUARD doesn’t offer any personal policies, it doesn’t mean they’re not a great company. In fact, you may want to look into an insurance provider that is just as stable and helpful as they are. You’ll be able to find an insurance firm that will be able to take care of you. Enter your zip code right now to get car insurance quotes from multiple companies!

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