Alliance United Insurance Company: Providers of Quality Auto Insurance

The Alliance United Insurance Company provides high-risk drivers in California with affordable car insurance coverage. While the Alliance United Insurance Company can provide you with SR-22 documentation if you need it, you will be charged a fee. Alliance United also charges processing fees for taking payments over the phone, online, or via auto withdrawals. If you need to find a cheap insurance policy, you can shop online to find a policy that suits your needs.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 15, 2022

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The Highlights

  • Alliance United provides car insurance to high-risk drivers
  • Alliance United charges a lot of fees for basic services
  • You can shop online to find cheap insurance

Trying to find car insurance after being charged with a DUI or any other major moving violation can be difficult. Luckily, there are companies dedicated to providing insurance to high-risk drivers, like the Alliance United Insurance Company, that can help you get the coverage you need to legally get back out on the road.

While Alliance United Insurance’s customer service may be lacking, this insurance company will be able to help you with your SR-22 documents and other insurance coverages you need to protect yourself and your car.

Improving your insurance education is key to helping you find the best insurance policy, so keep reading to learn more about Alliance United and all that it can offer you.

While you educate yourself on the Alliance United Insurance Company, you can enter your ZIP code to start comparing free quotes right away.

Who is the Alliance United Insurance Company?

California drivers who have a checkered driving history can turn to Alliance United, which has been bought by Kemper Auto, for coverage. It should be noted that while this company received an A- rating from A.M. Best, it only has a B- rating from the Better Business Bureau. This less-than-stellar rating may indicate that Alliance United clients are not completely satisfied with the services provided by this company.

Alliance is also known to charge an exorbitant amount in fees. So, even if you are initially offered a low rate, you could find that your bank account ends up being drained by the fees Alliance charges for an Alliance United Insurance Company Payment via automatic billing, SR-22 filing, and monthly payment plans. You could even be charged a fee when you call the Alliance Insurance phone number to make a payment.

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What coverages does Alliance United Insurance Company offer?

You can purchase a liability-only or a full coverage policy from Alliance United, and the company does offer add-ons like roadside assistance and rental reimbursement. It’s also worth noting that the company website doesn’t offer much information regarding policy pricing. Still, if you like to get an idea of what you might pay for insurance, you can review this chart, which illustrates the average rates major insurance companies offer for different coverage levels:

CompanyAnnual Rates with Low CoverageAnnual Rates with Medium CoverageAnnual Rates with High Coverage
USAA$2,445.50$2,746.50$2,892.32
Geico$2,612.92$2,918.45$3,127.30
Progressive$2,555.04$2,936.65$3,061.73
Liberty Mutual$2,824.01$3,061.95$3,219.54
State Farm$3793.44$4,273.41$4,541.30
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A great strategy to find cheap, reliable coverage is to request free quotes from at least five different companies. This way, you can compare car insurance quotes from the comfort of your own home. With the data in front of you, you’ll be able to ascertain which insurance company can offer you the most coverage for the lowest rates and which companies provide the best discounts.

Does Alliance United Insurance Company offer drivers discounts?

Alliance United offers discounts for being a good driver as well as for customers listing multiple drivers or multiple cars on the same policy.

This is a paltry amount of discounts when compared to other insurance companies. Below, you can see just how many more discounts other insurance companies have to offer you:

Car Insurance Discounts by Company
Auto Insurance Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAASources:
Adaptive Cruise Controlxxxxhttps://www.21st.com/car-insurance-by-state.htm
Adaptive Headlightsxxxxxxxxhttps://autoclubsouth.aaa.com/Insurance/Auto_Insurance_Quote.aspx
Anti-lock Brakesxxxxxxxxxxxxxxxxxxxxxxhttps://www.allstate.com/auto-insurance/auto-insurance-discounts.aspx
Anti-Theftxxxxxxxxxxxxxxxxxxxxxxhttps://www.amfam.com/resources/discounts
Claim Freexxxxxxxxxxxxxxxxxxxxxxhttps://www.ameriprise.com/auto-home-insurance/Costco/insurance-choices/auto/auto-insurance-discounts.asp
Continuous Coveragexxxxxxxxxxxxxxxhttps://www.amica.com/en/products/auto-insurance/discounts.html
Daytime Running Lightsxxxxxxxxxxxxxxxxxxhttps://www.countryfinancial.com/en/insurance/auto-recreational/auto.html
Defensive Driverxxxxxxxxxxxxxxxxxxxxxxhttps://www.esurance.com/insurance/car/discounts
Distant Studentxxxxxxxxxxxxxxxhttps://www.farmers.com/faq/discounts/#autodefinitions
Driver's Edxxxxxxxxxxxxxxxxxxxxhttps://www.geico.com/save/discounts/car-insurance-discounts/
Driving Device/Appxxxxxxxxxxxxxxhttps://www.libertymutual.com/auto/affordable-car-insurance
Early Signingxxxxxxxxxxxxxxhttps://www.metlife.com/insurance/auto-insurance/car-insurance/
Electronic Stability Controlxxxxxxxxxhttps://www.nationwide.com/car-insurance-discounts.jsp
Emergency Deploymentxhttps://www.progressive.com/auto/car-insurance-discounts/
Engaged Couplexhttps://www.safeauto.com/about/faqs
Family Legacyxxxxxxhttps://www.safeauto.com/car-insurance/car-insurance-for-teens
Family Planxxxxxhttps://www.safeco.com/auto-insurance/discounts
Farm Vehiclexxxxhttps://www.statefarm.com/insurance/auto/discounts
Fast 5xhttps://www.thegeneral.com/car-insurance/basics/cheap-flexible/
Federal Employeexxxxhttps://www.hanover.com/connections-smart-savings.html
Forward Collision Warningxxxxxxxhttps://www.thehartford.com/aarp/car-insurance
Full Paymentxxxxxxxxxxxxxxxxxhttps://www.travelers.com/personal-insurance/auto-insurance/discounts-advantages.aspx
Further Educationxxxxxxxxxhttps://www.usaa.com/inet/wc/advice-auto-lowerautoinsurance
Garaging/Storingxxxxxxhttps://www.usaa.com/inet/wc/faq_Automatic_License_index
Good Creditxxxxhttps://www.usaa.com/inet/wc/auto_insurance_teen_driver_main
Good Studentxxxxxxxxxxxxxxxxxxxxxxhttps://www.usaa.com/inet/pages/auto_event_insurance?akredirect=true
Green Vehiclexxxxxxxhttps://www.usaa.com/inet/pages/auto_insurance_driving_research_discount_main
Homeownerxxxxxxxxxxxxxxxxxxhttps://www.bankrate.com/finance/insurance/car-insurance-discounts.aspx
Lane Departure Warningxxxxhttps://www.naic.org/documents/web_market_share_160301_2015_property_lob.pdf
Life Insurancexx
Low MileagexxxxxxxxxxxxxxxxxxxDisclaimers
Loyaltyxxxxxxxxxxxx*Discounts and their availability vary by state and eligibility requirements
Marriedxxxxxxxxxxxxxx*Safety Features are not always listed as "discounts" but almost always help lower the rate
Membership/Groupxxxxxxxxxxx
Militaryxxxxxxxxxxx
Military Garagingx
Multiple Driversxx
Multiple Policiesxxxxxxxxxxxxxxxxxxxxx
Multiple Vehiclesxxxxxxxxxxxxxxxxxxxxx
New Addressx
New Customer/New Planxxx
New Graduatex
Newer Vehiclexxxxxxxxxxxxxxxx
Newly Licensedx
Newlywedsx
Non-Smoker/Non-Drinkerx
Occasional Operatorx
Occupationxxxxxxxxxxxx
On Time Paymentsxxxx
Online Shopperxx
Paperless Documentsxxxxxxxx
Paperless/Auto Billingxxxxxxxxxxxxxxxxx
Passive Restraintxxxxxxxxxxxxxxxxxxxxxx
Recent Retireesxx
Renterxxx
Roadside Assistancexx
Safe Driverxxxxxxxxxxxxxxxxxxx
Seat Belt Usex
Senior Driverxxxxxxxxx
Stable Residencexxxx
Students & Alumnixxxxxx
Switching Providerxxxxxxxxxxx
Utility Vehiclexxxx
Vehicle Recoveryxxxxxxxxxxxxxxxxxxxxx
VIN Etchingxxxxxxxxxx
Volunteerx
Young Driverxxxxxx
Discounts Provided #21212927182726343432383835362230202022382828
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As you can see, when it comes to helping individuals save money, other insurance companies blow Alliance United out of the water.

What You Need to Know About Alliance United Insurance Company

Alliance United Insurance may be able to help high-risk drivers purchase coverage, but, unfortunately, the fees that come along with these policies may end up costing a driver more than they originally thought. You shouldn’t be hasty when it comes to purchasing car insurance.

Allow yourself some time to review the quotes that you request from different insurance companies. Unfortunately, there is no Alliance Insurance online quote tool, but if you would like a quote from this company, you can find an Alliance United Insurance representative in your area who can provide this for you.

There is a website, however, and current customers can use their Alliance United Insurance Company login to review their policy information, manage claims, and make payments.

Now that you’ve read this detailed Alliance United review, you should feel confident to start shopping for car insurance. Enter your ZIP code to get free insurance quotes from car insurance companies near you.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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