Amigo Auto Insurance Reviews

amigo auto insurance reviews

As a high-risk driver, finding affordable and thorough insurance can be difficult with larger providers, which is why you might be tempted to sign with Amigo Auto Insurance.

Amigo Auto Insurance reviews are few and far between, and that’s likely because they operate in a small area and are accessible only to a niche market. According to the very limited information about the company, they are seemingly designed to offer insurance to high-risk drivers.

About Amigo Auto Insurance

As mentioned, there is very little information about Amigo Auto Insurance, and it appears to be that they focus primarily on their clients that visit their in-person locations. However, it’s easy to see that this is an insurance company that specializes in providing insurance to Hispanic residents.

With a limited coverage area, which includes Wisconsin, Illinois, Indiana, Texas, and Mexico, they are said to expand their reach to Georgia, Nevada, and Arizona soon.

Amigo Auto Insurance Coverage Options

When you start looking into coverage from this insurance company, you’ll find they are likely to offer the bare minimums for drivers to legally be able to operate a motor vehicle. This is the case for most niche providers, and it gives you the ability to find affordable coverage to protect you while you are on the road.

However, you can likely find better offerings from a larger insurance provider. It’s highly likely Amigo Auto Insurance offers the following types of coverage.

Property Damage Liability

If you are in a single-vehicle accident where you damage another person’s property, such as their home, your property damage liability coverage will deal with any costs associated with the event. Depending on the policy you sign up for, this may also include accidents with another vehicle where you damage property, such as lamp posts, signs, and fences.

Bodily Injury Liability

For accidents where you are found to be at-fault, you will be responsible for paying for repairs and medical costs for the other party. With bodily injury liability, you have the coverage you need to ensure you don’t have to pay out of your pocket.

Underinsured and Uninsured Motorist

If you are in an accident with another driver who has lacking insurance or none at all, you’ll want underinsured and uninsured motorist coverage. This helps to make sure you are not personally responsible for any costs stemming from an accident with a poorly insured driver.


Although comprehensive coverage isn’t required in many states, it’s a convenient thing to add to your policy. With this add-on, you’ll be able to protect your vehicle from damage outside of an accident, such as fire, vandalism, or theft. If you have recently purchased a new vehicle, this may be a type of mandatory coverage, although it is still highly recommended for all drivers.

Other types of optional coverage Amigo Auto Insurance may offer include:

  • Rental Reimbursement
  • Gap Coverage
  • Towing and Labor

Benefits of Amigo Auto Insurance Policies

There are a few important benefits to signing up for a policy with Amigo Auto Insurance. These are:

Multicultural Services

If you’re a Hispanic resident looking for insurance from a niche provider, this is one of the better options to choose. You’ll be able to work with a personal insurance agent that is not only fluent in Spanish and English but will also give you the ability to create a highly customized plan.

For example, if you frequently travel to Mexico, you can have your coverage extend from the United States to Mexico.

Affordable Options

According to the company, their insurance packages are highly competitive when compared to other niche providers. This is especially true if you need SR-22 insurance or other specialized policies that are typically expensive from other providers.

As a high-risk driver, finding insurance can be relatively impossible, but this company specializes in working with drivers who may have spotty driving histories.

Online Resources

Although they are basic, there are a couple of online resources you can put to good use when signing up for insurance with this company.

For example, you can use their online quoting system to get an idea of the cost of your insurance. Once you submit your information on their website, you will then be contacted by an agent to help you create a custom policy.

You’ll also have the ability to make a payment online instead of having to send a check into their main office or make an in-person visit. Managing your insurance online is far more convenient and useful.

Multiple Insurance Options

Not only does Amigo Auto Insurance offer auto insurance, but they also provide SR-22 insurance. If you’re looking for multiple policies, you can also consider their motorcycle, home, commercial, and travel insurance.

It’s very likely that you may be able to receive discounts on your premiums if you sign up for more than a basic auto insurance policy.

Cons of Amigo Auto Insurance Policies

There are few customer reviews about this provider, and they are relatively mixed. Some customers were pleased with the availability and reach of their policy, whereas others were less than impressed.

A few of the largest disadvantages to Amigo Auto Insurance are listed below.

Poor Customer Service

Above all else, the main complaint policyholders have had with this company is their poor customer service. Many have noted that getting in touch with an insurance agent is difficult, and then they are faced with rude and intolerant agents. This can make an accident even more difficult to deal with, especially if you’re trying to put through a claim.

Incorrect Charges and Unlikely Refunds

Another issue customers noted is overcharging on their policies and the inability to receive refunds for the amounts that are overcharged. With that said, there could be special circumstances revolving around their cases. However, it seems to be a trend with the company.

Combined with the poor customer service, obtaining a refund can be incredibly time consuming and frustrating.

Amigo Auto Insurance Reviews: Final Thoughts

Unless you’re someone who needs specialized insurance, it’s highly recommended you opt for a different insurance provider. Their poor customer service can make it difficult to work with the company if you have questions or concerns.

Then again, their policies are substantially less expensive than what you would expect from larger providers, according to most Amigo Auto Insurance reviews from their current policyholders.


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