Amigo Auto Insurance Reviews & Policies 2022

High-risk drivers may find it difficult to find affordable, comprehensive insurance with larger providers. This is why Amigo Auto Insurance might appeal to you.

Amigo Auto Insurance reviews have been few and far between. This is likely because they only serve a narrow market and operate in a very small area. The company’s limited information suggests that they offer insurance to high-risk drivers.

About Amigo Auto Insurance

Amigo Auto Insurance is not well-known. They seem to focus on clients who visit their physical locations. Amigo Auto Insurance is a company that provides insurance to Hispanic residents.

They currently have a limited area of coverage, which includes Wisconsin and Illinois as well as Indiana and Texas. However, they plan to expand their reach to Arizona, Georgia, and Nevada soon.

Amigo Auto Insurance Options

You will see that most insurance companies will only offer minimum coverage for drivers who are legally allowed to drive a motor vehicle. This is true for many niche providers and allows you to find affordable coverage that will protect you on the road.

You will likely get better options from a more giant insurance company. Amigo Auto Insurance is likely to offer the following types of coverage.

Property Damage Liability

Your property damage liability coverage will cover any damages to property caused by a single vehicle accident. This may include accidents with other vehicles, such as signs, lamp posts, fences, or signs depending on which policy you have.

Bodily Injury Liability

If you are found at fault in an accident, you will be responsible to pay for damages and medical expenses for the victim. Bodily injury liability provides you with the protection you need to make sure you don’t end up paying out of pocket.


Motorists who are uninsured or underinsured

You will need both underinsured or uninsured motorist coverage if you are involved in an accident with a driver without insurance, or none at all. This will ensure that you are not personally liable for any damages resulting from an accident with a driver who is not insured.


While comprehensive coverage is not required in all states, it is an option to add to your policy. This add-on will protect your vehicle against damage other than an accident. This may be mandatory coverage if you recently bought a vehicle. However, it is highly recommended for all drivers.

Amigo Auto Insurance might offer additional types of optional coverage, such as:

  • Rental reimbursement
  • Gap Insurance
  • Towing and Labor

Benefits of Amigo Auto Insurance Policies

Amigo Auto Insurance offers several benefits. These benefits include:

Multicultural Services

This is a great option for Hispanic residents looking for insurance from a niche provider. A personal insurance agent will be able not only to speak Spanish and English but also to help you create a customized plan.

If you are a frequent traveler to Mexico, your coverage can be extended from the United States to Mexico.

Affordable Options

The company claims that its insurance packages are very competitive compared to those offered by niche providers. This is particularly true if you require SR-22 insurance or other specialized policies that are often more expensive than other providers.

Finding insurance for high-risk drivers can be difficult. However, this company specializes in working with drivers with poor driving records.

Online Resources

These are not the most advanced resources, but they can be very useful when you sign up for insurance with this company.

You can also use their online quote system to estimate the cost of your insurance. After you have submitted your information, an agent will contact you to assist you in creating a policy.

Online payment is also possible. You don’t have to mail a check or visit the main office. It is much easier and more efficient to manage your insurance online.

Numerous Insurance Options

Amigo Auto Insurance offers auto insurance as well as SR-22 insurance. You can also look into their home, motorcycle, commercial, and travel insurance if you are looking for multiple policies.

If you sign up for more than one basic auto insurance policy, it is possible to get discounts on your premiums.

Cons of Amigo Auto Insurance Policies

This provider has few reviews and the results are mixed. Some customers were happy with the policy’s reach and availability, while others were less impressed.

Below are some of the biggest disadvantages to Amigo Auto Insurance.

Poor Customer Service

The main complaint policyholders have with this company is the poor customer service. Many people have complained that it is difficult to get in touch with an agent and are then faced with intolerant and rude agents. This can make it even more difficult to handle an accident, especially if you are trying to file a claim.

Incorrect charges and unlikely refunds

Customers also noted that they were charged too much for their policies and that they are not entitled to a refund. There could be other special circumstances that are related to their cases. It seems to be a common trend in the company.

Combining this with poor customer service, it can be extremely frustrating and time-consuming to get a refund.


Amigo Auto Insurance Reviews: Final Thoughts

It is highly recommended that you choose another insurance provider unless you are a specialist. It can be difficult to get in touch with the company if you have any questions or concerns due to their poor customer service.

According to Amigo Auto Insurance reviews, policies from these policyholders are significantly less expensive than those from larger providers.

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