Amigos Insurance Review (2022)

Amigos insurance is a small provider that works with high-risk drivers who have been denied elsewhere. Information about Amigos auto insurance is limited, but customer reviews tend to be positive. Customers say that the rates are affordable, but it’s difficult to contact agents unless you go in person.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Feb 17, 2022

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Can't-Miss Facts

  • Amigos is a small insurance company that operates in Florida.
  • While Amigos serves everyone, they are most well-known for insuring high-risk drivers with DUIs, suspended licenses, or no passports.
  • The Better Business Bureau gives Amigos an A, and customers are generally happy with their service.

Amigos Insurance is a smaller insurance provider that offers coverage in Florida. This company is a niche insurance provider to people that cannot get auto insurance anywhere else.

While Amigos promises cheap car insurance, you will likely find better coverage at more affordable rates elsewhere. Amigos is a last-resort company for people other companies consider uninsurable.

If you need coverage on your car, you can get basic insurance through Amigos. It also offers a host of other insurance products, all with the same promise of accepting everyone no matter what the risk is.

Amigos insurance might be right for you if you have nowhere else to go. However, there are a lot of high-risk insurance companies out there, and comparing prices might save you money. Enter your ZIP code into our free tool to see what rates might look like for you.

What is Amigos car insurance?

Amigos offers car insurance to everyone, including high-risk drivers, people with suspended or expired licenses, and people without passports or other forms of identification. It is not a traditional insurance provider by any means – rather than writing policies itself, it is partnered with other local insurance companies.

Amigos is not forthcoming about what products it offers, but it is likely that it does not have a wide selection. Since they operate in Florida, they will at least provide insurance to cover the state’s minimum requirement.

If you lease a car or have an auto loan, your lender will likely require that you have full coverage. While you would need to speak with Amigos to make sure, the company probably offers full coverage options.

Check below to see what type of insurance you need for full coverage or Florida state minimum.

  • Personal injury protection (PIP). Florida is a no-fault state, meaning drivers are responsible for their own medical bills no matter who is at fault after an accident. Florida requires all drivers to carry at least $10,000 of PIP to help pay personal bills.
  • Liability. Although it’s usually purchased together, there are two types of liability. Florid only requires you to have one: $10,000 worth of property liability. Bodily liability is not a state requirement, but you will need it for full coverage.
  • Comprehensive. Comprehensive helps pay for repairs if your car is damaged outside of an accident. This includes vandalism, theft, and weather damage. If you need full coverage, you need comprehensive.
  • Collision. Collision helps repair your car no matter who caused the accident. This is an integral piece of full coverage, and lenders almost always require it.
  • Underinsured/uninsured driver. While Florida has insurance requirements, it does not mean everyone follows the law. This insurance protects you from drivers with inadequate insurance and is usually required in full coverage.

Again, you will need to speak with an Amigos auto insurance agent to see exactly what they offer. You can contact an agent through phone, email, or submitting an online form.

While Amigos will insure anyone, it focuses on the Latino community. Amigos agents are bilingual and can help anyone that contacts them.

Does Amigos offer car insurance discounts?

Unfortunately, Amigos has very little information about discounts for its auto insurance policies. That does not mean they do not offer discounts, but you will need to speak with someone to find out.

Small insurance companies tend to have small discount offerings than their large competitors, especially when they work with high-risk drivers.

As per the Amigos homepage, you might be eligible for a discount of 15% if you transfer your coverage from another company. They also list a bundling policy of up to 40% savings if you buy business or home insurance.

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How much does Amigos insurance cost?

It is challenging to determine exactly how much Amigos insurance costs since they do not write their own policies. However, the company advertises that insurance prices start at $0.99 a day, or about $30 a month.

While Amigos advertises $0.99 a day as its starting price, you likely will be charged more, especially if you have DUIs, traffic incidents, or accidents on your record. $0.99 a day would be the price for state minimum requirements. If you need more coverage, you will likely pay more.

You can get an idea of what you might pay by looking at the average price of insurance in Florida.

Driver statusMonthly payment
Clean record$150
DUI/DWI$228
At-fault accident$215
Speeding$202
Reckless driving$226

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Customers tend to say that Amigos is affordable, meaning rates from this company should be around the average cost. It might even be cheaper – many reviews state that Amigos’ prices can’t be beat.

Amigo Car Insurance Reviews

One of the best ways to get to know an insurance company is by looking at the reviews.

Usually, looking at professional ratings is an excellent place to start. However, Amigos is simply too small to have been noticed by J.D. Power or A.M. Best. The Better Business Bureau rates Amigos with an A, and there is only one customer complaint on the site.

As for the way customers think about the company, reviews tend to be positive. Although Amigos has offices in just a few cities, there are numerous happy reviews. Customers appreciate that Amigos gave them coverage when they had nowhere else to go.

Most customers also say they receive excellent customer service. Although there are some complaints about bad experiences, most customers have a positive experience with Amigos agents.

On the negative side, the most common complaint is that it is tough to get a hold of agents unless you go into an office. Amigos has locations in Bonita Springs, Fort Myers, Lehigh Acres, Port Charlotte, and Naples, so it can be difficult for customers to visit in person.

Whether by email or phone, there are many complaints that there was no response to inquiries. There also seems to be confusion about Amigo’s automatic withdrawal process, with some customers saying they felt like the company was trying to rob them.

Does Amigos offer other types of insurance?

Amigos offers a surprising number of insurance products for a small insurance company. You can get just about anything covered through Amigos.

If you need more than car insurance, Amigo can cover most of your insurance needs. These include:

  • Motorcycle insurance. Motorcycle insurance works similarly to auto insurance but usually costs more because drivers are more likely to make a claim.
  • Commercial auto insurance. From ride share drivers to semi-truck owner-operators, anyone that uses a vehicle for work probably needs commercial auto insurance.
  • Shared car insurance. This insurance is for people who plan on renting a car. Since Florida is a great place for family vacations, shared car insurance is a popular option.
  • Homeowners insurance. Amigos’ home insurance protects your personal belongings and the physical structure of your home. If you need specialty homeowners insurance, like flood or earthquake, you’ll need to go elsewhere.
  • Boat insurance. Amigos promises the same starting rate of $0.99 for boat insurance.
  • RV insurance. If you own an RV and plan on driving it, you’ll need specialty insurance to make sure you’re covered.
  • Business insurance. Business owners can get their property protected from fire, theft, vandalism, and other types of common damage.

Amigos offers a variety of insurance products, but you will need to speak with an agent to get more information about each and see prices. As a bonus, you will likely be eligible for a policy bundling discount if you buy more than one plan.

Amigos can also fill out and submit an SR22 form for you if the Florida DMV requires proof that you have insurance.

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Find the Best Car Insurance Rates Today

This small insurance company might be right for you if you live in Florida. If you are a high-risk driver, have an expired or suspended license, or do not have a passport, Amigos will work with you to make sure you have the coverage you need.

Amigos insurance might be the best choice for you, but you should always compare quotes with other companies before you make a decision. Enter your ZIP code into our free tool to see what rates might look like for you.

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