Republic Auto Insurance Review for 2024 (Check Out Their Score!)

Our Republic auto insurance review found that the company no longer sells personal lines insurance like auto, homeowners, and renters insurance.

After being acquired by AmTrust Financial on April 18, 2016, at an approximately $233 million valuation, AmTrust announced its decision to exit the personal lines insurance written through its Republic carriers in March 2020 and decided to transfer it to Safeco Insurance.

Republic Auto Insurance Rating

While Republic Insurance no longer offers personal lines products, this review covers what types of insurance they currently provide and the factors that affect your rates with this company, how to seek out a quote, file a claim, and even cancel an existing policy.

Before buying Republic auto insurance, enter your ZIP code into our free quote comparison tool above and compare rates from reputable providers near you.

Republic Group Insurance Coverage Options

Republic Group Insurance is currently focusing on supporting AmTrust in its commercial and specialty insurance products. Here is a list of what they currently offer:

• Workers’ Compensation Insurance: Provides coverage for employee’s injuries or work-related illnesses.
• Business Owners Policy (BOP): Combines general liability and property insurance for small businesses.
• Commercial Package Policies: Provides customizable policies for property, liability, and other risks.
• General Liability Insurance: Protection against claims involving bodily injury or property damage.
• Employment Practices Liability Insurance (EPLI): Coverage for claims like wrongful termination or workplace discrimination.
• Cyber Insurance: Republic Group provides protection against cyber threats like data breaches and ransomware attacks.
• Specialty Programs: Tailored solutions for niche industries and specific coverage needs.

Additionally, their parent company, AmTrust Financial, offers commercial auto insurance to businesses with other existing policies, like workers’ compensation and general liability insurance. It covers company cars, trucks, fleet vehicles, specialty vehicles like food trucks, and construction vehicles.

AmTrust Commercial Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

It includes liability coverage for accidents, vehicle damage, and protection against uninsured or underinsured motorists. Additional options such as fleet, non-owned, and hired auto coverage are available for businesses with specific needs. Read the recommended auto insurance coverage for more information.

Republic Group Insurance Quote Acquisition

To get a quote from Republic Insurance Group, you must go through AmTrust’s official website, as they have no website since the integration with their parent company.

Another method of getting a quote is to call the company’s corporate office, which is open from 8:00 a.m. to 4:30 p.m. Monday through Friday.

Read More: How to Compare Auto Insurance Quotes

AmTrust Commercial Auto Insurance Rates Breakdown

Since Republic Group Insurance no longer offers auto insurance and other personal lines products, here is a breakdown of AmTrust’s commercial auto insurance monthly rates by driving history compared to other companies instead:

Commercial Auto Insurance Monthly Rates by Provider and Driving History

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$130	$160	$220	$310
	$120	$150	$200	$280
	$127	$157	$215	$295
	$115	$145	$195	$290
	$135	$165	$225	$320
	$122	$152	$205	$285
	$125	$155	$210	$300
	$110	$140	$190	$270
	$118	$148	$198	$275
	$105	$135	$185	$260

For businesses with clean driving records, AmTrust offers commercial auto insurance for just $120, $150 for having one ticket, and $200 for one accident, while having one DUI gets a $280 monthly insurance rate. For more information, read how auto insurance companies check driving records.

Republic Group Discounts Available

Republic Group provides several discounts to make insurance more affordable. You can significantly save money by bundling multiple policies, maintaining a claims-free record, or having safety features in your vehicle or property.

Additional discounts may be available for loyal customers or those with good credit. Contact an agent to learn about all qualifying discounts.

Read More: Auto Insurance Discounts

Republic Insurance Claims Filing

It is essential to know how to file an auto insurance claim with Republic Group to determine if the company is right for you and your needs. You don’t want to wait until you experience an accident before you learn how to do it or whether they have good claims processing.

To file a claim with Republic Insurance, contact your local agent or their parent company, AmTrust, on their official website.

Republic Auto Insurance Policy Cancellation

Before buying insurance from any provider, understanding how to cancel auto insurance is crucial. This knowledge will be useful when you decide to stop your policy or shift to another insurance company.

Contact AmTrust at (877) 528-7878 for general inquiries and policy cancellation.

To cancel your existing policy with Republic Companies Group, Inc., contact the insurance agent who manages it and notify them about your intent to cancel. Alternatively, you can directly go to AmTrust if they manage your policy.

Factors That Affect Commercial Auto Insurance Rate With Republic Group

There are several factors affecting Republic Group’s commercial auto insurance rates. For example, the type and usage of vehicles, employee driving records, and the overall safety record of the business cause insurance premiums to fluctuate.

However, having safety features on the vehicles reduces costs and offers savings for businesses intending to insure their automobiles. Learning which cars have the lowest auto insurance premiums gives you an idea of how to save money on auto insurance.

Pros and Cons of Republic Group Insurance

Republic Companies Group, Inc. is known for providing specialized commercial lines products like commercial auto insurance, and choosing them gives you the same benefits as their parent company, including the following:

• Specialized Coverage Options: Republic Group Insurance provides a variety of specialized coverage like commercial auto and property.
• Strong Regional Focus: Provides personalized solutions with a deep understanding of the local market.
• Financial Stability: Backed by AmTrust Financial, Republic Group benefits from solid financial support, ensuring reliability in claims handling.

These advantages garner trust from the people due to the backing of one of the largest private companies in America, as listed by Forbes. However, there are also drawbacks like any other insurance company. The disadvantages are as follows:

• Limited Personal Lines Products: Republic Group no longer offers personal auto or homeowners insurance, which may not suit customers looking for bundled personal policies.
• Restricted Availability: Their focus on regional markets may limit access to services in certain areas outside their primary service regions.

Due to the limited personal lines products and availability restrictions, some customers may look for other companies instead. If you have already decided to buy auto insurance, enter your zip code into our free quote tool below to get multiple auto insurance quotes.