American Road Insurance Company (Michigan): Overview, Contacts, Products, Financials, Claims, Reviews and Benefits

The American Road Insurance Company leads the way in offering property and casualty insurance to Michigan residents.

They started back in 1961 and have been dedicated to great customer service and budget-friendly coverage ever since.

They’ve got a bunch of different products to meet the needs of people, families, and businesses all over the state.

American Road Insurance Company (Michigan)
American Road Insurance Company (Michigan) offers a comprehensive suite of insurance products for individuals, families, and businesses across Michigan. [Image: Upper Michigan’s Source] 

American Road Insurance Company (Michigan)

Based in Dearborn, Michigan, the American Road Insurance Company deals with property and casualty insurance. Since 1961, they’ve been licensed to operate in 23 states.

They’ve got a bunch of insurance products—auto, home, business, and farm insurance.

American Road Insurance Company knows that your car is super important. That’s why they’ve got different auto insurance options for you.

Whether you need comprehensive and collision coverage, liability, or protection from uninsured or underinsured motorists, they’ve got your back.

They’ve got the right coverage to keep you and your vehicle safe.

Contact Information

Phone Number: 800-234-2722


Address: One American Road, Dearborn, MI 48126


Services and Products

American Road Insurance Company (Michigan) offers a comprehensive suite of insurance products for individuals, families, and businesses across Michigan.

Auto Insurance

  • Comprehensive and collision coverage
  • Liability and uninsured/underinsured motorist coverage
  • Medical payments coverage
  • Personal injury protection (PIP)
  • Rental car reimbursement
  • Towing and roadside assistance

Home Insurance

  • Dwelling coverage
  • Personal property coverage
  • Liability coverage
  • Medical payments coverage
  • Replacement cost coverage
  • Loss assessment coverage

Business Insurance

Farm Insurance

Additional Services

  • Insurance reviews
  • Risk management consulting
  • Claims assistance
  • Policyholder education

Financial Details

American Road Insurance Company stands strong financially, consistently raking in profits.

AM Best and Demotech, Inc. rate them A (excellent), recognizing their robust financial standing, careful underwriting, and top-notch risk management.

Here’s a quick snapshot of their financial performance over the past three years:

  • 2022: Revenue – $2,217,142; Net Income – $1,344,623
  • 2021: Revenue – $2,307,764; Net Income – $1,593,152
  • 2020: Revenue – $4,297,182; Net Income – $2,954,340

They’ve been on a steady growth streak, and their profitability shines through with net income margins of 59.8%, 70.5%, and 68.1% in 2022, 2021, and 2020, respectively.

Backing up their financial prowess is a robust capital position.

As of December 31, 2022, their Risk-Based Capital Ratio stands at a whopping 407%, comfortably exceeding the minimum requirement of 250%.

Legal Compliance

American Road Insurance Company, just like every other insurance outfit in Michigan, abides by the Michigan Insurance Code (MCL 500.100 et seq.) and the rules set forth by the Michigan Department of Insurance and Financial Services (DIFS).

These regulations cover a bunch of stuff, such as:

DIFS comes packing a toolbox of tricks to make sure everyone’s playing by the rules:

  • Investigations: DIFS can snoop around insurance companies to check if they’re on the straight and narrow.
  • Examinations: They’re authorized to give insurance companies the once-over, checking out their financial status, underwriting style, and claims handling tactics.
  • Enforcement actions: If an insurance company is off the rails, DIFS can hit them with fines, suspensions, or even yank their license.

And don’t forget, the Michigan Attorney General’s Office can also get in on the action, investigating and going after insurance companies that break the law.

Customer Reviews

Customers have mixed feelings about American Road Insurance Company. Some sing praises for positive experiences, while others gripe about not-so-great encounters.

Checking in with the Better Business Bureau (BBB), American Road Insurance Company holds a B+ rating.

Over the last 3 years, they’ve dealt with 18 complaints, successfully resolving 10 to the customer’s satisfaction.

On Yelp, the company scores a modest 2 stars based on 2 reviews. One customer had a positive interaction, while another had a less-than-stellar experience.

For a broader perspective, gives American Road Insurance Company an impressive 4.5-star rating out of 5.

They highlight the company’s reputation for excellent customer service and competitive rates.

Buying a policy from American Road Insurance Company (Michigan) comes with a bunch of perks:

  1. Competitive Rates: They’re known for their killer rates, offering discounts for good driving records, multi-policy deals, and even a little bonus if you pay your premiums upfront.
  2. Financial Stability: You’re in safe hands with a financially stable company. Rated A (Excellent) by AM Best and Demotech, Inc., they’ve got a solid track record of turning a profit.
  3. Wide Coverage Options: From auto and home to business and farm insurance, they’ve got it all. Customize your coverage with various riders and endorsements to fit your unique needs.
  4. Good Customer Service: Count on a good customer service experience. The reps are knowledgeable and ready to help you out.
  5. Easy Online Quotes: Quick and easy online quotes make getting a policy a breeze.
  6. Convenient Payment Options: Paying up is a cinch with online, phone, and mail payment options.
  7. 24/7 Claims Support: Need to file a claim? No worries. American Road Insurance Company has your back 24/7, day or night.

Quick Facts

Additional Facts about American Road Insurance Company (Michigan)