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American Road Insurance Company Overview


If you are looking for an insurance company that isn’t solely based out of Canada, you could consider going with an American Road insurance company. The company has its headquarters in Michigan, United States. However, they are licensed to be able to sell insurance throughout all of Canada. The company is quite large in size and even though they are licensed to sell insurance in every province, they make a lot more money in some provinces than in others. American Road insurance company is reliable and they do pay claims to their customers. In 2015, American Road Insurance Company had a bit of a rough year. They posted a $17,000 loss. However, this can be seen as a good sign, in a way, as this just proves that the company is willing to pay out claims to its customers no matter whether they are making money or not.

Products Offered by American Road Insurance Company

Due to the large size of this company and the fact it is located in both Canada and the United States, you will find that there are a lot of different products that this company has to offer. American Road insurance company generally sells automotive and property insurance. One thing about American Road insurance Company that might make you a little worried about getting insurance with them is the fact that they have no website available. This can make it difficult to be able to compare rates and learn about the various policies that they have to offer, but they are definitely a quality insurance company. Here are some of the products that they currently offer:


  • Boating
  • Car
  • Liability
  • Theft
  • Medical coverage/rehabilitation coverage


  • Liability
  • Accidents and accident benefits
  • Theft
  • Environmental damage
  • Casualty

American Road Insurance Company Car Insurance Review

If an American Road insurance company has insurance that you’re interested in, you might be interested in finding out how popular they are and how much business they are doing. One of the best ways to be able to tell how much business a company is doing is to look at their total written auto premium. This number stands for the total amount of money that the company has collected before any claims are paid out. The higher this number is, the more money that the company has collected from clients. The total written auto premium for American Road insurance companies was $8,581,000 in 2015. This just goes to show how large of a company American Road insurance company is and helps to show you how successful they are as a company throughout Canada, even though they aren’t even large enough of a company to have their own website.

American Road Insurance Company Car Insurance Products:


Service plans:

One problem you might have with buying a new car is that the warranty is long enough for your liking. A short warranty could end up costing you a whole lot of money if you end up having winter problems with your vehicle. You’d be surprised how many times people end up having problems with their vehicles as soon as their warranty expires. If you decide to get insurance with an American Road insurance company, you have the option of getting a service plan which will provide you with an additional warranty on your vehicle. These warranty coverage plans vary in price, but they do cover a lot of car maintenance. If you’re worried you’re going to have car trouble down the road, you might want to consider picking up one of these plans.

Physical damage:

If you are worried you might get into an accident causing your car to become physically damaged, you might want to consider getting physical damage coverage. American Road insurance company offers plans that cover you in the case of theft, fire, and even in the event of you being responsible for an accident. Obviously, your insurance rates will go up if you happen to be the cause of an accident, but it can definitely give you peace of mind knowing that your investment (your vehicle) is covered.

Liability reinsurance:

If someone were to sue you as a result of causing an accident without having liability insurance, you would be forced to pay out-of-pocket for lawsuits. Multimillion-dollar lawsuits happen all the time. It does not take much for punitive damages and suffering to add up to a multimillion-dollar lawsuit. In order to protect yourself and to make sure that you don’t have to break the bank, you should make sure that you get liability insurance coverage. It is important to keep in mind that American Road insurance company does offer different amounts of liability insurance coverage to give you peace of mind. You might pay a little bit more money each month in order to be able to get liability insurance coverage, but if you happen to get sued, having a high amount of liability coverage could potentially save you a fortune.

American Road Insurance Company Total Sales/ ranking by province


Rather than just looking at the total written auto premium for an American Road insurance company, you might want to see how popular they are in your area. The best way to do this is to break down their direct written premiums by province. This will show you how popular they are in your area so that you can better decide if they are a company that you want to go with. Generally, if a company offers good plans and they have good availability, they will be popular and get a lot of business. Keeping this in mind, we have created a table displaying the direct written premiums by province, in 2015, for the American Road insurance companies. We also compared their premiums with another top 30 insurance companies in each province. Here are the results that we found:

Province:Direct Written Premiums 2015Ranking on Top 30
Prince Edward IslandN/AN/A
Nova Scotia255,00026
New Brunswick121,00028
British Columbia687,00015
Yukon Territory16,00022
Northwest Territories28,00024

About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.