Answer Financial Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
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.
Trusted Choice's Answer Financial Score
3.5 Stars
Answer Financial is one of the largest auto and home insurance agencies in the U.S., with over 3.8 million vehicles and homes insured. Insurance shoppers in all 50 states can compare insurance prices from some of the more than 40 top-rated insurers that Answer Financial represents. Products offered through Answer Financial include auto insurance, homeowners insurance, condo insurance, renters insurance, motorcycle insurance, RV insurance, and boat insurance.
Answer Financial is part of The Allstate Corporation, the nation's largest publicly held personal lines insurer. It has an A+ rating from AM Best, the credit agency that monitors the financial health of insurance companies. In short, it’s one of the most established and stable insurance companies around.
We award Answer Financial a final rating of 3.5 out of 5 stars. The company’s large network of coverage and carrier options make it an excellent choice for customers who want an online marketplace experience when purchasing personal insurance.
Unfortunately, it’s difficult to evaluate the company’s products and customer service performance since online reviews are entirely lacking. We can project that with the backing of Allstate, Answer Financial is a financially strong and stable company with decent customer service.
Additionally, the company’s online portal and free mobile app offer numerous ways for customers to access policy information and perform certain policy changes quickly and easily. Some customers, however, may appreciate personalized local service, and Answer Financial may not be the right answer for these more traditional consumers.
If you’re looking for personalized, local service, an independent insurance agent in your town might be your best bet.
Answer Financial Pros and Cons
Check out these pros and cons of Answer Financial.
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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.
Answer Financial Products
Answer Financial functions mainly as an online personal insurance marketplace. It offers the following types of coverage via its insurance company partners:
- Auto insurance
- Homeowners insurance
- Condo insurance
- Renters insurance
- Motorcycle insurance
- RV insurance
- Boat insurance
- Health insurance
- Pet insurance
- Dental insurance
These types of insurance are also available from most local independent insurance agents, especially those who specialize in personal insurance. A local agent can get to know you and your family and can provide personal service and advice when you purchase coverage and throughout the life of your policy.
What Discounts Does Answer Financial Offer?
Through its partner insurance companies, Answer Financial offers almost every conceivable coverage and discount option available for qualifying customers. Some of the auto insurance discounts offered by participating carriers include:
- Multiple vehicle discount
- Safe driver discount
- Anti-theft discount
- Low mileage discount
- Good student discount
- Senior discount
- Paid in full discount
- Green discount/electric vehicle discount
Not all discounts are offered by every carrier associated with Answer Financial. What’s more, discount details and requirements vary by carrier. Local independent insurance agents are best at making sure you get all of the discounts that you qualify for.
Answer Financial Customer Service
Answer Financial’s customer service reputation is unknown. Here's what to know about the company’s customer service options.
- Phone, email, and online contact options
- Online claim reporting and policy changes
- Online portal for most customer service needs
The customer service phone contact option has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 8:00 am - 11:00 pm | ||
| Saturday | 10:00 am - 10:00 pm | ||
| Sunday | 10:00 am - 10:00 pm |
Personal service is always available when you work with a local independent insurance agent.
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Answer Financial FAQs
Because Answer Financial functions as a marketplace for numerous carriers and lines of coverage, the company cannot promise an average claims response time. Claims response times will vary by carrier and type of coverage.
Answer Financial offers an online customer service portal that allows customers to access coverage purchased from any of the company’s carrier partners. From the portal, customers can add or remove insureds, add or remove vehicles, raise or lower coverage limits, change deductibles, and more.
In addition, customers can contact Answer Financial by phone and email or via Facebook and X.
Answer Financial allows customers to initiate the claims process online for all of its carrier partners. The company offers a convenient drop-down box within its online customer portal from which to select the applicable insurance company. After selecting the insurance company, you’ll be shown how to best connect with your insurer and given all the information you need to handle a claim and make changes to your policy.
You can also call customer service representatives directly to begin the claims process.
Getting quotes from Answer Financial is a fairly easy online process. If you purchase coverage through Answer Financial, you’ll receive access to an online customer portal as well as Answer Mobile, a free app that offers access to your insurance ID card and other policy information.
The company’s website clearly answers many common questions that customers might have about the app.
Answer Financial functions as a marketplace for customers to compare quotes from over 40 insurance companies. The company promises to work with “top-rated” companies, and customers have the ability to choose the carrier, coverage, premiums, and options that work best for them.
Answer Financial functions as an online insurance agency rather than a carrier. It offers numerous types of personal insurance options from a variety of carriers. Customers can evaluate multiple quotes and choose the options that work best for them.
Answer Financial has the backing of Allstate, the largest publicly held insurance carrier in the U.S. That alone offers a level of financial strength that speaks to the company’s long-term stability. If you’re looking for an online insurance marketplace, Answer Financial is a good option.
https://www.answerfinancial.com
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