Aflac Auto Insurance Review for 2025 (See Rates & Discounts Here)

Aflac auto insurance review points out Aflac Incorporated’s main advantages: accident cash payments and additional coverage. With monthly rates starting at $115, Aflac Group Insurance covers medical expenses and lost income following an accident.

Aflac Auto Insurance Rating

Rating Criteria
Overall Score	3.7
Business Reviews	4
Claim Processing	3.5
Company Reputation	4
Coverage Availability	5
Coverage Value	3.6
Customer Satisfaction	2.5
Digital Experience	4
Discounts Available	3.8
Insurance Cost	3.5
Plan Personalization	3.5
Policy Options	3.5
Savings Potential	3.6

American Family Life Assurance Company of Columbus (Aflac) does not sell conventional auto policies. Still, it provides financial protection for unforeseen costs, making it an excellent option for drivers wondering, “Can my auto insurance policies overlap?” Aflac insurance auto coverage complements existing policies, and Aflac life insurance reviews highlight its reliability for added financial security.

However, Aflac is best used as a supplement, not a standalone policy. Compare several providers before deciding to get the best coverage for your needs. Enter your ZIP code below to compare insurance options and find the best coverage for your budget today.

Aflac Auto Insurance Monthly Rates by Age, Gender, & Driving Record

Insurance premiums usually depend on age and gender, with younger drivers having the highest rates because they are considered at a higher risk. Teenage males, in particular, are likely to pay more than females of the same gender. The level of coverage also affects the premium, with whole coverage policies costing much more than minimum coverage.

Aflac Auto Insurance Monthly Rates by Age, Gender, & Coverage Level

The table indicates that a 16-year-old male pays $410 for minimum coverage, and a 30-year-old female pays just $140. Knowing these variations allows drivers to select coverage that suits their budget.

A driver’s history has a direct impact on their insurance premiums. Those with no record of accidents, DUIs, or tickets pay the most affordable rates, while those who have experienced accidents, DUIs, or received tickets see the rate climb sharply.

For instance, a driver with a DUI pays $230 a month for a full coverage policy compared to $195 for someone with a clean record. The table highlights savings opportunities for those seeking cheap auto insurance for a bad driving record. While Aflac primarily offers supplemental coverage, many wonder, does Aflac have car insurance? This guide explores auto insurance Aflac options and alternatives.

What You Should Know About Aflac

Aflac does not offer standard automobile insurance policies. Instead, it is a Tier One Insurance Company focusing on supplemental health insurance for individuals, families, and businesses. These policies cover costs that may not be fully compensated by primary health insurance.

Continental American Insurance Company (CAIC), an affiliated company of Aflac Incorporated, writes Aflac group supplemental insurance coverage. Moreover, Aflac’s Life, Absence, and Disability Services are offered nationwide, except in Puerto Rico, Guam, and the Virgin Islands, and are also issued by CAIC.

Aflac sells Final Expense coverage for extra money in case of death, which beneficiaries use to pay end-of-life expenses. It sells Aflac Benefits Solutions, Inc., to expand workplace benefits and Dental & Vision Network Access Plans as supplementary health policies to regular medical coverage.

Learn More: Do you need medical payment coverage on auto insurance?

Aflac Insurance Coverage and Benefits for Drivers

Many vehicle owners want to know if the American Family Life Assurance Company, or Aflac, provides auto insurance. Aflac is the country’s largest supplemental insurance provider — does Aflac have auto insurance, too? Unfortunately, Aflac does not sell traditional auto insurance policies. Please read our guide to the best auto insurance companies to find an affordable provider near you.

What kind of insurance is Aflac? It doesn’t sell auto insurance, but Aflac health insurance sometimes covers medical bills related to automobile accidents. Aflac accident insurance can also be helpful for short—or long-term injuries caused by an automobile accident. Our Aflac auto insurance review will break down Aflac costs, the different types of Aflac policies, how they can benefit car insurance policyholders, and where to find Aflac car insurance near you.

Aflac Auto Insurance Reviews

Does Aflac cover car insurance? No, but it does help pay for medical bills and other associated costs with an auto accident that your car insurance won’t cover.

Aflac is it worth it?
by inInsurance

Full coverage auto insurance and Aflac aren’t related policies. The most significant difference between car insurance Aflac provides and traditional auto insurance is that auto policies cover vehicle damage, while Aflac helps pay for injuries and recovery costs. How much Aflac costs depends on coverage, with Aflac cancer insurance reviews highlighting its supplemental benefits.

Aflac Accident Insurance Reviews

Aflac is known for accident insurance and other supplemental policies, so you likely won’t find many Aflac car insurance reviews. Aflac accident insurance covers medical bills, lost wages, and household care while you recover from injuries sustained in an auto accident. 

Aflac health insurance reviews and Aflac dental insurance reviews indicate that policyholders often find coverage doesn’t apply when expected. Understanding factors that affect auto insurance rates is essential before purchasing any policy. If you’re considering coverage, check Aflac insurance near you for local options and review policy details carefully.

Aflac Customer Reviews

Is Aflac good insurance? Unfortunately, Aflac insurance reviews do not highly rate Aflac accident insurance customer service. It receives a 1/5 rating on the Better Business Bureau (BBB).

Customers complain about long wait times and Aflac agents losing claim documents and paperwork. Reviews of Aflac also highlight frequent claim rejections, raising concerns about whether the company clearly explains coverage details. If you’re asking, should I get Aflac? Consider the pros and cons of Aflac and whether having two auto insurance policies could provide better protection.

Aflac App Reviews

The MyAflac mobile app helps customers file and track claims and manage their policies. It receives high customer ratings, earning 4.4/5 in the Apple App Store and 3/5 on Google Play. However, you won’t get an Aflac quote on the app—you must call the Aflac telephone number or compare insurance quotes online.

If you’re financing a car, understanding whether you need full coverage insurance to finance a car is essential to meeting lender requirements. While Aflac offers strong supplemental coverage, some Aflac review complaints mention delays in claims processing. It’s also important to consider the disadvantages of Aflac insurance, such as its lack of traditional auto policies.

Aflac Insurance Coverage Options

Does Aflac do car insurance? No, Aflac does not sell traditional auto insurance policies. It mainly provides supplemental health insurance to individuals, families, and businesses.

Supplemental health insurance is coverage you purchase in addition to your primary health insurance policy. Supplemental insurance is an excellent option if your primary policy does not provide all the necessary coverage.

What is Aflac insurance suitable for? Scroll through the four central supplemental policies available through Aflac to see if it’s something you need:

• Accident insurance: Aflac’s accident insurance helps cover out-of-pocket medical payments your primary insurance does not cover if you’ve had an accident. This means Aflac helps with short-term disability.
• Dental insurance: Though your primary dental insurance policy covers routine visits to the dentist, it may not cover special dental care like orthodontist appointments, wisdom teeth removal, and cosmetic procedures. Aflac’s supplemental dental insurance can help cover these costs.
• Cancer insurance: Medical payments and everyday living expenses can increase if you need long-term medical care. Aflac’s cancer insurance can help cancer patients pay for deductibles, co-payments, and small expenses incurred during cancer treatment.
• Critical illness insurance: Aflac’s critical illness insurance helps cover the cost of severe medical conditions like heart attacks and strokes. This policy can even cover living expenses and non-medical bills incurred while a patient receives care.

Is Aflac worth it? More and more Americans are investing in these policies, especially Aflac Group Insurance. Whether you’re looking for cheap coverage auto insurance or wondering if Aflac dental is worth it, reviewing Aflac insurance customer service and reading supplemental insurance reviews can help you compare the best plans available in your state.

How to File Aflac Insurance Claims

The easiest way to file Aflac insurance claims is through Aflac SmartClaim. SmartClaim is an online application that expedites the claims process on Aflac’s website and mobile app.

To submit a claim through SmartClaim, follow these steps:

• Register or log in to SmartClaim on Aflac’s website or mobile app. Make sure you are enrolled in SmartClaim’s Direct Deposit program.
• Fill out Aflac’s claims forms. Then, submit all required documents.
• Call the Aflac customer service number. If you don’t want to file online, call the Aflac car insurance phone at 1-800-992-3522 to file a claim.
• Submit your claim before 3 p.m. ET on a weekday. Submit online or call the Aflac insurance phone number. This will ensure that you receive your compensation as quickly as possible.

If you cannot use SmartClaim, download claims forms through Aflac’s website and file your claim via fax or mail. The Aflac insurance claims phone number is 1-800-992-3522. You can also send claims to 1932 Wynnton Road, Columbus, GA 31999.

Since Aflac insurance policies only cover car accidents peripherally, there is no direct Aflac auto insurance phone number for claims. If you need help filing an auto insurance claim, the Aflac claims phone number connects you to its customer service department for guidance on eligible coverage.

Aflac Insurance Rates Breakdown

Many people want to know how much Aflac insurance is in a month. What is the average cost of Aflac insurance? That depends on your circumstances. The best way to find out is to get an Aflac insurance quote. Of course, you can’t get an Aflac car insurance quote, but you can consider policies that will supplement your car insurance.

Unlike many of today’s insurance providers, Aflac fully integrates insurance agents into the policyholder’s experience. For example, you must speak with an agent to get Aflac insurance quotes. Aflac agents nationwide can help you understand Aflac benefits, compare the cheapest liability-only auto insurance options, fill out cancellation forms, and update login information.

Aflac Auto Insurance Review: Ratings and Customer Experience

Aflac Incorporated, popular for its supplementary insurance policies, does not offer conventional auto insurance. Aflac Group Insurance, however, provides accident and health coverage that can help with medical costs incurred due to car accidents. The industry ratings of Aflac can assist policyholders in assessing its reliability.

Aflac has an A+ rating with A.M. Best, indicating its strong financial strength and capacity to settle claims. Aflac scores 845/1,000 with J.D. Power, indicating high customer satisfaction with its claim handling and services.

Agency
	Score: 845/1,000 Avg. Satisfaction
	Score: A+ Great Business Practices
	Score: 79/100 Good Customer Feedback
	Score: 1.12 Avg. Complaints
	Score: A+ Superior Financial Strength

Although Aflac Group Insurance is financially sound, its complaint index 1.12 indicates slightly higher consumer complaints than usual. While most policyholders value its dependable benefits, others are dissatisfied with the time it takes to process claims.

Aflac Incorporated offers reliable alternatives for accident-related coverage. However, motorists should use resources on where to compare auto insurance rates to find the best coverage, as Aflac does not provide auto insurance policies.

Pros and Cons of Aflac Insurance

Although Aflac Incorporated does not provide regular auto insurance, its supplementary insurance products benefit clients. Following is a fair analysis of the merits and demerits of choosing Aflac for supplementary coverage.

Pros

• Comprehensive Supplemental Coverage: Aflac’s coverage, such as Aflac Final Expense insurance and Aflac Dental & Vision Network Access Plans, pays for out-of-pocket expenses not covered by primary medical insurance.
• Strong Financial Stability: A+ Rated by A.M. Best, Aflac exhibits superior financial strength and supports consistent claim payments. Read our article “Auto Insurance Deductible” to find out more.
• Group Insurance Benefits: Companies can provide group supplemental insurance coverage for employees through Aflac Benefits Solutions, Inc., which Continental American Insurance Company underwrites

Cons

• No Traditional Auto Insurance: Aflac does not offer standard automobile insurance policies, so motorists must obtain coverage elsewhere.
• Limited Availability for Some Services: Aflac’s Life, Absence, and Disability Services are unavailable in Puerto Rico, Guam, or the Virgin Islands.

Aflac is an excellent choice if you are looking for supplemental insurance to supplement your existing coverage. However, if you require car insurance, you must look elsewhere.

Understanding Aflac Auto Insurance and Supplemental Coverage

Does Aflac do auto insurance? Aflac doesn’t sell car insurance, so you can’t compare Aflac auto quotes, but you can buy supplement policies anywhere.

Aflac is available nationwide, but its plans and benefits vary by state. Call 1-800-992-3522 to speak to an agent about coverage options in your state.

You can also read Aflac insurance reviews online to find out which types of Aflac insurance are available near you, including critical illness and accident insurance. To find the best anti-theft auto insurance discounts, compare quotes from multiple local companies to ensure Aflac accident insurance costs are affordable in your area.

Aflac auto insurance reviews are great resources for rating information and handling customer complaints. If you need cheap auto insurance, use our free comparison tool below to get free quotes from local companies.