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: Apr 13, 2022

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Key Takeaways

  • Amigo is a small insurance company that operates in Illinois, Texas, Wisconsin, Indiana, and Mexico
  • While Amigo has a diverse customer base, it takes a particular interest in the Latino community
  • Amigo is too small to have professional ratings, but customers are generally happy with their service

Amigo Insurance is a smaller insurance provider that offers coverage in a few states with plans on growing. While it’s not as recognizable as larger car insurance companies, Amigo commands a loyal following of happy customers.

Amigo offers car insurance in Mexico, Wisconsin, Texas, Illinois, and Indiana. The company’s immediate plans are to spread into Arizona, Nevada, and Georgia.

From state-required minimum liability to full coverage, Amigo car insurance might be right for you. However, you should always compare prices with other companies to get the best deal. Enter your ZIP code into our free tool to see what rates might look like for you.

What is Amigo car insurance?

While Amigo operates in several states, it’s most popular in its home state of Illinois. Amigo started with the goal of providing an easy, honest insurance experience for its drivers.

As with most of its competitors, Amigo offers the three primary forms of car insurance:

  • Liability. Most states require a minimum amount of liability coverage (including all the states Amigo operates in). Liability pays for damage you cause in an accident to both people and property.
  • Comprehensive. If your car is damaged outside an accident, comprehensive will help repair it. This includes damage from weather, animal contact, vandalism, fire, and theft.
  • Collision. No matter who causes the accident, this type of coverage will help repair your car after an accident.

Amigo also offers a few additional coverages you can add to your policy, though not as many as competitors. These include:

  • Underinsured/uninsured motorist. While drivers are legally required to carry insurance, not every driver follows the law. Underinsured/uninsured motorist protects you from drivers with inadequate insurance.
  • Medical payments. Medical bills add up quickly, especially after an accident. Amigo offers coverage for injuries, rehabilitation, lost wages, and funeral expenses.
  • Mexico car insurance. As one of the only insurance companies in America to offer coverage in Mexico, you can buy coverage if you have plans to drive in Mexico anytime soon. Amigo offers both short and long-term coverage.

While it doesn’t have the most extensive list of products out there, Amigo has everything you need for broad protection on your car.

Amigo makes it easy to manage your plan online once you’re a customer. An Amigo car insurance login gives you full access to your entire account.

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Does Amigo offer car insurance discounts?

Smaller car insurance companies are often lacking when it comes to available discounts. Despite its size, Amigo does not suffer from this problem. Amigo offers the following discounts:

  • Good driver. You might be eligible for this discount if you have a clean record, meaning you have no accidents, speeding tickets, or other traffic violations on your record. Amigo doesn’t say how long your record needs to be clean, but most companies start at three years.
  • Good student. This discount is for full-time students who meet Amigo’s criteria. Again, Amigo doesn’t list the specifics on its site. However, students are usually eligible for this discount when they are under 25 and maintain at least a “B” average.
  • Bundling. Amigo offers a lot of insurance products, and you can save money if you buy more than one.
  • Multi-car. If you have more than one car in your household and get your insurance through Amigo for all of them, you’ll earn a discount.
  • Safety or security features. If your car has a qualified safety or security feature, such as an anti-theft device, you might be eligible for a discount.

This discount list might not be as long as other companies, but there are still plenty of opportunities to save money with Amigo insurance.

How much does Amigo insurance cost?

Unfortunately, Amigo is not forthcoming with its prices. You can make Amigo insurance payments online, but there is no online option to get a quote.

Even if you fill out the online form, you might not see what Amigo can do for you. In all likelihood, you’ll see insurance companies Amigo is partnered with rather than Amigo quotes.

However, you can get an idea of how much Amigo insurance will cost by looking at the average insurance price in the states it operates in.

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Customers tend to say that Amigo is affordable, meaning rates from this company should be around the average cost in your state. It might even be cheaper. However, if you want to see exactly what a quote would look like for you, you’ll need to call the Amigo car insurance phone number.

Amigo Car Insurance Reviews

One of the best ways to get to know an insurance company is by looking at the reviews.

Usually, looking at professional ratings is a good place to start. However, Amigo is simply too small to have been noticed by the Better Business Bureau, J.D. Power, or A.M. Best.

As for customers’ opinions on the company, reviews tend to be positive. And although Amigo is focused on a small area, it has a lot of happy customers. For starters, Amigo supports the Latino community and is bilingual. And its Mexico trip insurance can help you travel out of the states with ease.

Drivers also like that Amigo is willing to work with high-risk drivers at affordable rates. While it’s easiest to get a plan in person, customers enjoy the easy Amigo car insurance online payment options.

On the negative side, the most common complaint is about the customer service experience. There have been numerous complaints that agents are hard to get in touch with, and they can sometimes be rude when you do reach them.

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Does Amigo offer other types of insurance?

If you need more than car insurance, Amigo can cover most of your insurance needs. These include:

  • Motorcycle insurance. Like car insurance, you can buy liability, comprehensive, and collision coverage.
  • Commercial insurance. Amigo offers liability insurance and other protections if you own a business, including worker’s compensation and services that cater to small businesses.
  • Renters insurance. When you don’t own your home, you can still get insurance coverage to protect your belongings.
  • Homeowners insurance. Amigo’s home insurance protects your personal belongings and the physical structure of your home. If you need specialty home insurance, like flood or earthquake, you’ll need to go elsewhere.
  • SR-22 insurance. If you’ve lost your insurance coverage or had your license suspended due to traffic incidents, your state might require proof of insurance before you can drive. Amigo can submit an SR-22 certificate for you.
  • Rideshare insurance. With the growing popularity of rideshare services like Uber and Lyft, it’s more important than ever for rideshare drivers to have the coverage they need. Amigo can fill in the gaps in Uber and Lyft’s coverages to ensure rideshare drivers are always protected.

As you can see, Amigo offers a variety of insurance products to fit almost any need. As a bonus, you’ll likely be eligible for a policy bundling discount if you buy more than one plan.

Find the Best Car Insurance Rates Today

If you live in Illinois or any of the other states Amigo operates in, this small insurance company might be right for you. With a particular interest in the Latino community, you should consider Amigo insurance for your needs.

Amigo car insurance might be the best choice for you, but you should always compare quotes with other companies before you make a decision. Enter your ZIP code into our free tool to see what rates might look like for you.