Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Mar 22, 2022

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Key Takeaways

  • Alliance United Insurance offers auto coverage for drivers in California
  • Alliance United specializes in auto insurance for high-risk drivers
  • Alliance United Insurance offers many discount options that can help you save on your insurance rates

If you’re considered a high-risk driver, it can be challenging to find car insurance. Luckily, many car insurance companies provide coverage for those who require SR-22s or have a suspended or revoked license.

Alliance United Insurance is a California-based insurer specializing in insurance for high-risk drivers. The company is owned by a regional provider, Kemper Auto, which also provides low-cost insurance for risky drivers. 

Founded in 2004, Alliance United has become the go-to option for those living in California and looking for affordable, non-standard auto insurance. In this post, we’ll cover everything you need to know about Alliance United Insurance.

Alliance United Insurance Car Insurance Coverage

Alliance United offers a basic selection of insurance coverage needed to get you on the roads. Their coverage options include:

  • Liability Coverage. If you’re involved in a car crash and are found liable for damage to another vehicle or have to pay for the other party’s medical bills, liability coverage will help cover those costs.
  • Uninsured/Underinsured Motorist Protection. An uninsured motorist is a person without liability car insurance, while underinsured means there isn’t enough coverage to pay the bills created by an accident. If you’re in an accident caused by an uninsured driver, your auto policy will pay for damages to your car. Uninsured motorist coverage provides you with financial relief if the at-fault driver has no insurance or their coverage is insufficient to cover your damages. Underinsured motorist coverage will pick up where the other driver’s insurance runs out.
  • Collision and Comprehensive Coverage.  Alliance insurance will cover any damage to your vehicle caused by collisions and natural disasters. It will also cover damages your car may sustain due to vandalism, theft, riots, missiles, flood, fire, earthquake, or contacts with an animal, like a bird or deer.  Additionally, you are covered if your car collides with another vehicle or hits an object, like a tree, rock, or wall.

Other Auto Coverages Offered by Alliance United Insurance

Alliance United offers other niche and supplemental insurance coverage that can prove incredibly useful in many scenarios. These car coverages include:

  • Rental Reimbursement Coverage. Alliance’s rental reimbursement coverage will reimburse you for the cost of a rental if you get into an accident and can’t drive to work.
  • Roadside Assistance Coverage. This coverage can help you with car-related problems if you get stuck on the road. For example, if you end up with a flat tire, your Alliance roadside assistance coverage could send a spare to your location.
  • Non-Owner Coverage. If you don’t have a car but frequently rent or borrow someone else’s car, you can get non-owner coverage to ensure you’re protected while on the road.
  • High-Risk Coverage. Alliance United specializes in high-risk coverage. This type of coverage is ideal for people who have DUIs or a recent at-fault record. It can also come in handy for those in need of SR-22 certificates, who, for some reason, can’t get them from standard insurance providers. 

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What auto insurance discounts are available from Alliance United?

In addition to offering diverse coverage options for high-risk drivers, Alliance United offers a few discounts options, including:

  • Good driver discount
  • Defensive driver discount
  • Claims-free renewal discount
  • Multi-vehicle discount
  • Mature driver discount
  • Safety features discount
  • Paid in full discount

These discounts offer policyholders an opportunity to lower their car insurance rates. If you think you may qualify for a specific discount from Alliance, speak to a company representative to find out more.

What states does Alliance United Insurance offer coverage in?

Alliance United Insurance sells car insurance in only one state: California. But because the company was acquired by Kemper Auto in 2015, there is a possibility for more extensive coverage areas in the future. 

How do you file a car insurance claim with Alliance United Insurance?

If you’ve ever been in an accident, then you know how stressful the claim process can be. Alliance United is aware of this and has made the claims process exceptionally easy by eliminating paperwork. 

Customers can choose to file a claim in one of the following ways:

  1. Over the phone
  2. Over the company’s website

Before starting the claims process, you need to have the following information on hand:

  • Alliance insurance policyholder’s name
  • Alliance policy number
  • Insured vehicle information
  • Date and time of the incident
  • Description of the incident, including damages, injuries, and police report

Filing a Claim Over the Phone

If you believe this is the best option for you, follow these steps to raise an Alliance insurance claim over the phone.

  1. Call the company’s customer support at (800) 508-5833
  2. Inform them of your intention to file an insurance claim
  3. Describe the incident, damages, and injuries (if any) thoroughly
  4. Provide the company with your contact details and insurance info

Filing a Claim on the Alliance United Website

The online method isn’t real-time, but it allows you to articulate the incident and provide relevant details. You may have to wait a few days to receive a reply. 

Here’s how to file an Alliance insurance claim online. 

  1. Visit the official Alliance United Insurance website
  2. Navigate to the “report a claim” section and click on the blue “report a claim” button
  3. Fill out the form and provide as many details as possible
  4. Click on the “submit” button

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Does Alliance United Insurance offer any other types of insurance?

Alliance United Insurance is owned and managed by Kemper, and while the parent company offers a broad range of insurance products, Alliance United does not. Currently, the only available products are basic auto policies. 

Alliance United Insurance: The Bottom Line

Alliance United specializes in auto insurance for high-risk drivers. The company offers low-cost coverage for risky drivers and a few discount options drivers can take advantage of to lower their insurance rates. That said, you should always get quotes from different insurance companies to find one that meets your needs.