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

American Modern Auto Insurance Review emphasizes the business’s specialty of insuring collector and classic automobiles with agreed-value protection and flexible use policies.

With prices starting at $50 a month, American Modern Insurance Group, Inc. offers customized coverage for classic cars. While AMIG excels at specialty coverage, it may not be the best option for those seeking cheap full-coverage auto insurance for everyday vehicles. American Modern Property and Casualty Insurance Company’s modern classic car insurance is ideal for collectors who want complete protection.

American Modern Auto Insurance Rating

Rating Criteria
Insurance Rating	3.8
Business Reviews	4
Claim Processing	3.5
Company Reputation	4
Coverage Availability	5
Coverage Value	3.5
Customer Satisfaction	2.3
Digital Experience	3.5
Discounts Available	4.7
Insurance Cost	4
Plan Personalization	4
Policy Options	2.5
Savings Potential	4.2

Nevertheless, limited standard automobile insurance coverage may be a disadvantage. Owners of distinctive or specialty vehicles should look into AMIG but shop for various quotes to get the optimal prices and coverage.

Suppose you are looking for individual auto insurance. In that case, you can enter your ZIP code below, and you will be able to compare auto insurance quotes for various companies in your area.

American Modern Auto Insurance Coverage, Age, Gender, & Driving Record

American Modern’s auto insurance rates vary based on age and coverage levels. A 25-year-old male pays $175 for minimum coverage, while a 30-year-old female with full coverage pays $215. The lowest rate is for a 45-year-old male at $50 for minimum coverage.

American Modern Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

Middle-aged and older drivers benefit the most from American Modern’s pricing, while younger drivers pay significantly higher premiums.

Your driving record significantly affects American Modern’s rates, and pay-per-mile insurance can be a cost-effective option for low-mileage drivers. A driver with a clean record pays as low as $50 for minimum coverage, while a DUI raises it to $250. Complete coverage for someone with an accident history costs $300.

American Modern Auto Insurance Monthly Rates by Driving Record

Maintaining a clean record helps drivers secure the lowest rates, while violations significantly increase premiums.

Auto Insurance Cost Compared to Competitors by Providers

American Modern Insurance Group offers competitive auto insurance rates, though they tend to be higher than budget insurers like Geico and Mercury. For an 18-year-old male, American Modern’s monthly premium is $461, whereas Geico offers a lower rate at $254. However, for a 45-year-old female, American Modern’s rate of $114 is competitive compared to Allstate’s $162.

Auto insurance Cost Compared to Competitors by Providers

Insurance Company	Age: 18 Female	Age: 18 Male	Age: 30 Female	Age: 30 Male	Age: 45 Female	Age: 45 Male	Age: 65 Female	Age: 65 Male
	$328	$378	$99	$103	$88	86	$86	$84
	$448	$519	$168	$176	$162	$160	$158	$157
	$305	$414	$116	$137	$115	$117	$113	$114
	$405	$461	$125	$128	$114	$111	$111	$109
	$597	$629	$160	$167	$139	$139	$136	$136
	$220	$254	$90	$87	$80	$80	$78	$78
	$626	$626	$174	$200	$171	$174	$167	$170
	$283	$318	$87	$91	$78	$77	$77	$76
	$303	$387	$124	$136	$113	$115	$111	$112
	$591	$662	$131	$136	$112	$105	$109	$103

American Modern remains a competitive choice for mid-aged drivers, though younger drivers may find better deals with Geico or Mercury, especially when considering auto insurance deductibles.

Understand the American Modern Insurance Group

American Modern Insurance Group is extremely financially stable. Since 1998, it has been named one of Ward’s Top 50 Performers, and in 2010, SNL named it a Top 10 property and casualty insurer. A.M. Best Company gave American Modern an A+ rating, which is superior.

American Modern has 1.6 million policyholders and is licensed in all 50 states. It is also part of Munich Re, a large insurance organization. Fortune Magazine ranked it 73rd on its Global 500 list.

American Modern Insurance
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American Modern Insurance Group has been around since 1965 and sells casualty and property insurance policies. Regarding auto insurance, they only offer specialty car coverage for classic and muscle cars.

The company comprises six insurance companies and offers insurance products for personal watercraft, boats, ATVs, motorcycles, collector vehicles, and recreational vehicles. With companies creating self-driving cars shaping the future of transportation, it also provides coverage for vacation homes, vacant homes, and rental properties that don’t require traditional homeowners insurance.

American Modern Auto Insurance Contact Information

American Modern Insurance Group, located at 7000 Midland Blvd, Amelia, OH, 45102-2607, offers coverage options that may be helpful if you’re wondering, “Can I get my car out of impound without insurance?” Their mailing address is PO Box 5323, Cincinnati, OH, 45201-5323.

There are a couple of contact numbers for American Modern Insurance Group:

• Get a Quote: 1-866-884-6167
• Customer Service: 1-800-543-2644
• Report a Claim: 1-800-375-2075

American Modern Auto Insurance Claims

American Modern Insurance Group says it can process auto insurance claims fairly and quickly. One reason for this is that the adjusters for American Modern all take a hands-on, unique training program.

Training includes disassembling and assembling a motorcycle, repairing flooring and drywall, fixing a hole in a boat, and much more. This training helps the adjusters understand exactly what repairs are needed and how long they will take.

The adjusters receive ongoing education and training through phone calls, webinars, and hands-on classes to stay updated on essential topics, such as how a denied claim affects auto insurance rates and other policy considerations.

American Modern Claims That:

• 80 percent of property claims are settled within a month
• Almost 70 percent of their customers get a call from their adjuster the very same day that they report a loss
• 84 percent will get a call by the next day

There are several ways to file a claim, and understanding how to file an auto insurance claim is essential. You can start by calling the toll-free claims number at 1-800-375-207

You can also call your insurance representative directly or send an email. Someone can speak with you seven days a week, 24 hours a day.

American Modern Insurance Group Insurance Coverage Options

One of the specialty insurance products American Modern sells is for collector cars. This includes coverage for collector trucks, restorations in progress, difficult-to-place autos like Cobras, trailers, custom and classic motorcycles, military vehicles, fire engines, tractors, and race cars.

Included coverage includes one liability charge, unlimited miles, spare parts, towing, pet coverage, and trip interruption coverage.

American Modern offers optional coverage such as national roadside assistance, foreign coverage, and full safety glass. There are also multiple deductible options that range from $0 to $10,000.

On its website, American Modern offers tips on saving money on auto insurance, including SR-22 auto insurance. Some ways to lower costs include discounts for anti-theft devices, high-value vehicles, extensive collections, accident prevention courses, and memberships with a car club or association.

American Modern Auto Insurance and Commercial Insurance

American Modern Auto Insurance Group offers insurance products for businesses. The specialty products are designed to meet the requirements of companies that want coverage for physical damage to recreational retail inventory, manufactured housing, and watercraft rental companies.

The coverage is flexible to accommodate your business’s size and growth, ensuring it meets all vehicle insurance requirements. It includes extras that other insurance companies charge for, and the policies help simplify the administration of reporting requirements.

American Modern Insurance Business Ratings & Consumer Reviews

American Modern Insurance Group has strong financial stability and customer feedback ratings. It holds an A+ rating from A.M. Best and the Better Business Bureau. However, its J.D. Power satisfaction score of 825/1000 indicates mixed consumer experiences.

American Modern Insurance Business Ratings & Consumer Reviews

Agency
	Score: 825 / 1,000 Avg. Satisfaction
	Score: A+ Excellent Business Practices
	Score: 75/100 Good Customer Feedback
	Score: 1.10 Avg. Complaints
	Score: A+ Superior Financial Strength

While American Modern demonstrates financial strength, customer satisfaction remains moderate, with mixed claims handling reviews. Therefore, it is vital for those needing non-owner SR-22 auto insurance to explore their options carefully.

Pros and Cons of American Modern Insurance

Pros

• Strong Financial Stability: A.M. Best rates A+, which means consistent claims payment.
• Comprehensive Coverage Options: Provides specialized policies for vintage cars and unusual vehicle types.
• Good Business Reputation: Has an A+ rating with the Better Business Bureau. Gain a deeper understanding through our article entitled “American Manufacturers Auto Insurance.”

Cons

• Higher Premiums for Younger Drivers: Young adults and teenagers might find cheaper alternatives elsewhere.
• Mixed Customer Satisfaction: J.D. Power ratings show a middle-of-the-pack customer experience.

What You Should Know About American Modern Insurance

American Modern Insurance Group is a well-established company specializing in specialty insurance markets, including auto, home, and specialty insurance. The firm,  a subsidiary of Munich Re, has built a reputation for writing specialized policies that meet customers’ unique needs, including coverage for antique vehicles and manufactured homes.

American Modern Insurance Group (AMIG) holds registered trademarks on its name, logo, and specialty policies to reinforce its brand. AMIG provides unique property coverage, while its liability auto insurance coverage offers essential financial protection for drivers. An A+ A.M. Best rating backs its strong capital stability.

American Modern offers top-rated coverage with flexible terms to fit individual insurance needs. Policyholders benefit from expert customer service and efficient claims handling. While premiums may be higher than budget insurers, its customizable coverage and financial stability make it a strong choice. Enter your ZIP code below to compare auto insurance quotes and start saving today.