Affirmative Insurance Services Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Affirmative Insurance Services Score
.5 Stars
We award Affirmative Insurance Services a final rating of 0.5 out of 5 stars. Affirmative offers bare-bones coverage for customers who just want to meet minimum state requirements at affordable rates, but there’s not much else to say in their favor.
Affirmative Insurance Services was founded in 1998 as Instant Insurance Holdings, Inc. Five years later, the carrier acquired a couple of non-standard insurance companies and changed its name to Affirmative Insurance.
The carrier filed for Chapter 11 bankruptcy in 2015, but its liquidation was discharged three years later, so it is alive to this day. Affirmative Insurance only offers coverage in 11 states, mainly in the South and Midwest, including its home state, Texas.
Having recovered from bankruptcy in recent years, customers may rightfully be hesitant to trust Affirmative Insurance with their business. The carrier is also just over 20 years old, making it one of the relatively younger insurance companies on the market today.
Many customer reviews include reports of feeling ignored and dismissed by their insurance provider, which very much works against the carrier’s reputation. The carrier also has a lower-than-average rating from AM Best and has recently come out of bankruptcy, so its financial stability and future outlook are cloudy at best.
Further, Affirmative Insurance’s official website is one of the least intuitive carrier websites around, and fails to offer even some of the most basic, essential information, such as insurance products offered and claims processes. Overall, we highly recommend surveying your other options with the help of an independent insurance agent. It might be best to skip looking into Affirmative Insurance entirely.
Affirmative Insurance Services Pros and Cons
| Pros: | Cons: | ||||
|---|---|---|---|---|---|
|
|
||||
|
|
||||
|
|
||||
|
|
||||
|
|||||
|
|||||
|
|||||
|
|||||
|
|||||
|
To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Affirmative Insurance Services Products by Type
Affirmative Insurance specializes in personal auto coverage. The carrier only writes non-standard car insurance, so many of their policies just cover the liability aspect. Affirmative Insurance’s policies are also said to only meet each respective state’s legal minimums for coverage. The carrier's coverage includes:
Non-standard auto insurance:
- Liability
- Comprehensive
- Physical damage only
- Non-owner policies
What Discounts Does Affirmative Insurance Services Offer?
Affirmative Insurance offers a few select discounts for its auto insurance customers. These discounts include:
- Safety features discounts: Offered to customers who have safety features installed in their vehicles, such as anti-theft devices.
- Driving course discounts: Offered to customers who have completed a qualifying defensive driving course.
- Multi-vehicle discount: Offered to customers who insure two or more vehicles under one policy.
An independent insurance agent can help you find even more discounts available through Affirmative Insurance, helping you get the most bang for your buck out of your coverage.
Affirmative Insurance Services Customer Service
Here's an overview of Affirmative Insurance Services' customer service options and availability.
- Snail mail
- Phone
- The customer service phone department does not post its hours restrictions.
| Days | Hours (CST) | ||
| Monday-Sunday | NOT SPECIFIED |
Affirmative Insurance sells coverage primarily through independent insurance agents. Independent insurance agents are also available to handle claims and insurance concerns for you, making customer service even easier.
Find The Right Company Today.
Shopping for a company? We have the right one for you.
Affirmative Insurance Services FAQs
Affirmative does not offer any information about its claims process or claims response time frame.
Affirmative only offers snail mail and phone options for customers to reach them. The carrier does not publish phone department contact hours.
Affirmative does not detail its claims process on the official website.
Much like its insurance products offered, Affirmative's website is pretty bare-bones. While customers can request quotes and be matched with an independent insurance agent online, the carrier’s official website is sorely lacking in information about the company, its products, its claims process, and more. The carrier does not even list the specific coverage types available on its website.
The carrier also has almost no social media presence, aside from a LinkedIn page that's mostly bare. Unfortunately, Affirmative Insurance does not do much in the way of creating a user-friendly experience for prospective customers or existing policyholders.
Affirmative does offer a few different types of non-standard auto policies, including liability-only, physical damage only, comprehensive, and non-owner policies. However, there's virtually no other information available about the carrier's coverage, so it's impossible to say that the carrier's coverage is a good choice.
Affirmative Insurance Services is a subsidiary of Affirmative Insurance Holdings, Inc., and has a great rating by the BBB, but no accreditation. The carrier also has a much lower rating than average from AM Best when compared to many modern carriers. Affirmative does not offer much in terms of an official website, so it's difficult to gain any information about its coverage options or services for customers. Overall, we're unable to call Affirmative a good insurance company at this time.
Affirmative's insurance products may be right for individuals seeking non-standard auto policies. However, with the lack of information available about this carrier's services and products, we wouldn't recommend their coverage to anyone at this time.
https://www.smartautoinsurance.com/affirmative.php
https://www.expertinsurancereviews.com/affirmative-insurance-review/
https://www.yelp.com/biz/affirmative-insurance-services-addison
https://www.bbb.org/us/nc/zebulon/profile/insurance-agency/affirmative-insurance-services-inc-0593-6021891
https://news.ambest.com/newscontent.aspx?refnum=91020