Amigos Auto Insurance Reviews

High-risk drivers may find it difficult to find affordable, comprehensive insurance with larger providers. This is why Amigos Auto Insurance might appeal to you.

Amigos Auto Insurance reviews have been few and far between. This is likely because they only serve a narrow market and operate in a very small area. The company’s limited information suggests that they offer insurance to high-risk drivers.

What is Amigos Auto Insurance?

It is difficult to gauge where Amigo stands in terms of financial strength as well as customer satisfaction. There are many names for Amigo (Amigo Kingsway Financial Services Mendota etc. The major credit agencies don’t appear to have any information about this company’s financial strength.

There is not much information about customer service reviews. There are only two reviews on the company’s Facebook page. These reviews are negative comments about Amigo agents. Three additional reviews are left by people who did not leave comments to describe the nature of their complaints. They do have an A+ rating from the Better Business Bureau for their business profile.

About Amigos Auto Insurance

Amigos Auto Insurance is not well-known. They seem to focus on clients who visit their physical locations. Amigo Auto Insurance is a company that provides insurance to Hispanic residents.

They currently have a limited area of coverage, which includes Wisconsin and Illinois as well as Indiana and Texas. However, they plan to expand their reach to Arizona, Georgia, and Nevada soon.

Amigos Auto Insurance Options

You will see that most insurance companies will only offer minimum coverage for drivers who are legally allowed to drive a motor vehicle. This is true for many niche providers and allows you to find affordable coverage that will protect you on the road.

You will likely get better options from a bigger insurance company. Amigo Auto Insurance is likely to offer the following types of coverage.

Amigos Auto Insurance

Property Damage Liability

Your property damage liability coverage will cover any damages to property caused by a single-vehicle accident. This may include accidents with other vehicles, such as signs, lamp posts, fences, or signs depending on which policy you have.

Bodily Injury Liability

If you are found at fault in an accident, you will be responsible for paying for damages and medical expenses for the victim. Bodily injury liability provides you with the protection you need to make sure you don’t end up paying out of pocket.

Uninsured and Underinsured Motorists

You will need to have both underinsured and uninsured motorist coverage if you are involved in an accident with a driver without insurance. This will ensure that you are not responsible for any damages resulting from an accident with a driver who is not insured.


While comprehensive coverage is not required in all states, it is an option to add to your policy. This add-on will protect your vehicle against damage other than an accident. This may be mandatory coverage if you recently bought a vehicle. However, it is highly recommended for all drivers.

Amigo Auto Insurance might offer additional types of optional coverage, such as:

  • Rental reimbursement
  • Gap Insurance
  • Towing and Labor

What Insurance Discounts Are Available With Amigos Car Insurance?

Kingsway Amigos Insurance does not provide any information about what discounts, if any. They have previously offered the following discounts in the past:

  • Transfer discount
  • Renewal discount
  • Multi-Car discount
  • Full discount if paid in full
  • Safe-Driver discount
  • Multi-Policy Discount
  • Homeowners discount
  • Passive restraint Discount
  • Anti-theft device Discount
  • Senior Operator Course discount

All such information has been removed from all Amigo, Amigo Kingsway, and Mendota websites. You can find out which discounts they offer and how much you could save by working with them. Contact an agent to discuss your insurance needs.

What Auto Insurance Options are Offered With Amigos Insurance?

Many companies, particularly those that claim to be able “to tailor your specific needs” offer only the minimum amount of auto insurance options. Amigo operates in Florida. These minimum coverage options include:

  • Property Damage Liability
  • Personal Injury Protection
  • Bodily Injury Liability (if there has been a serious accident in your driving record)

Other forms of coverage which Amigo may offer include:

  • Towing and Labor
  • Medical Payments
  • Uninsured Motorist
  • Rental reimbursement
  • Comprehensive and Collision

Their new website suggests that they can assist people who have “difficulty obtaining insurance from any other source”. SR-22 insurance is the most difficult type of coverage for most drivers. You might consider contacting Amigos agents if you need this type of policy.

Amigos Auto Insurance Policies: Benefits

Amigos Auto Insurance offers several benefits. These benefits include:

Multicultural Services

This is a great option for Hispanic residents looking for insurance from a niche provider. A personal insurance agent will be able not only to speak Spanish and English but also to help you create a customized plan.

If you are a frequent traveler to Mexico, your coverage can be extended from the United States to Mexico.

Affordable Options

The company claims that its insurance packages are very competitive compared to those offered by niche providers. This is particularly true if you require SR-22 insurance or other specialized policies that are often more expensive than other providers.

Finding insurance for high-risk drivers can be difficult. However, this company specializes in working with drivers with poor driving records.

Online Resources

These are not the most advanced resources, but they can be very useful when you sign up for insurance with this company.

You can also use their online quote system to estimate the cost of your insurance. After you have submitted your information, an agent will contact you to assist you in creating a policy.

Online payment is also possible. You don’t have to mail a check or visit the main office. It is much easier and more efficient to manage your insurance online.

Numerous Insurance Options

Amigos Auto Insurance offers auto insurance as well as SR-22 insurance. You can also look into their home, motorcycle, commercial, and travel insurance if you are looking for multiple policies.

If you sign up for more than one basic auto insurance policy, it’s possible to get discounts on your premiums.

Cons of Amigos Auto Insurance Policies

This provider has few reviews and the results are mixed. Some customers were happy with the policy’s reach and availability, while others were less impressed.

Below are some of the biggest disadvantages of Amigos Auto Insurance.

Poor Customer Service

The main complaint policyholders have with this company is the poor customer service. Many people have complained that it is difficult to get in touch with an agent and are then faced with intolerant and rude agents. This can make it even more difficult to handle an accident, especially if you are trying to file a claim.

Incorrect charges and unlikely refunds

Customers also noted that they were charged too much for their policies and that they were not entitled to a refund. There could be other special circumstances that are related to their cases. It seems to be a common trend in the company.

Combining this with poor customer service can be extremely frustrating and time-consuming to get a refund.

How Can I Compare Amigo Auto Insurance Quotes?

Amigos does not seem to have an efficient and quick way to get a quote online from their agency. They do have a number you can call to reach a local agent if you need to obtain a quote.

Below is a chart that shows the estimated rates of a few large providers who can offer Miami residents an auto policy. The data can be used to determine if an Amigos agent has given you a fair price. If you get a quote that is too low, it might be too good to be true. You may have to shop around for the best price if you get a quote that is too high.

What are The Pros and Cons of Amigos Car Insurance?

Amigos Auto Insurance, a local insurance company in Miami that serves the Hispanic South Florida community and drivers who are having trouble getting conventional auto insurance, is Amigos Auto Insurance. Some customers may prefer doing business over the phone or in person, as they have almost no online presence. The lack of information about the company’s financial strength or customer satisfaction could be cause for concern.

Do you want to explore Amigos insurance? Enter your zip code below to get several quick, free online quotes. It will only take a few moments and could save you hundreds each year.

Amigos Auto Insurance Reviews: Final Thoughts

It is highly recommended that you choose another insurance provider unless you are a specialist. If you have any questions or concerns, it can be difficult to get in touch with the company due to their poor customer service.

According to Amigos Auto Insurance reviews, policies from these policyholders are significantly less expensive than those from larger providers.

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