Allianz car insurance review April 2019 |

Allianz car insurance review

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

  • Specialized insurance plans for luxury and classic cars
  • Strong history in the financial services industry
  • Integrated travel insurance options

Compare providers

Get quotes from companies like Allianz.

Compare now

Get insurance for classic cars, business fleets or international roadtrips.

  • Get a quote if you have a luxury, classic or business car or want international coverage.
  • Pick something else if you want the best rates and discounts.
  • Ideal for fleet managers and bundling policies
States served All 50 states
Roadside assistance Optional
Pay schedule custom
Claims methods online, email
New car protection No
Accident forgiveness No


  • Specialized insurance plans
  • Strong history in financial services
  • Integrated travel insurance options


  • Limited customer base
  • Complaints of poor customer service
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount Yes
Loyalty discount Yes
Homeowner discount No
Military discount No
Safety device discount Yes
Special employment discount No
Usage-based discount No
Other discounts No
Rideshare coverage No
SR-22 coverage No
Temporary & short term coverage No

Who is Allianz insurance best for?

Allianz car insurance is best for travelers, businesses and owners of luxury and classic cars. In the past few years, Allianz has downsized the number of auto insurance policies it holds, selling some of its luxury car policies to Chubb, another insurance company known for insuring high-end vehicles. However, Allianz does still write some auto insurance policies.

What is Allianz?

Allianz was founded in Berlin, Germany in 1890 as a financial services group providing marine and accident insurance policies to residents of Germany. Just three years later, the company opened its first international office in London, where it offered insurance to Germans traveling or living abroad.

Since then, the company has expanded throughout the world and now offers fire, home, auto, life and liability insurance to customers around the world.

What car insurance coverage does Allianz offer?

Allianz now primarily insures luxury or classic cars and fleets of business vehicles, providing plenty of coverage options for these niche drivers.

  • Bodily injury liability. Required in most states, covers medical and funeral expenses for an accident you’re legally responsible for.
  • Property damage liability. Covers the costs of property damages, including vehicles, that you’re legally responsible for — required in most states.
  • Collision. If your car is damaged in an accident, collision coverage pays for the cost of repairs. If you have a car loan, your bank probably requires this coverage.
  • Comprehensive. Coverage for anything other than collision damage, such as theft, fire or vandalism. Some banks may require comprehensive coverage if you’re making car loan payments.
  • Travel insurance coverage. This add-on coverage keeps you covered while traveling abroad.
  • Agreed value coverage. If you have a classic car that’s worth more to a collector than its value, you and your agent can agree upon its insurance value and create your policy.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Allianz car insurance rates

As with any insurance company, your car insurance rate with Allianz varies based on your insurance score, which looks at factors like your credit score, accident history and make and model of the vehicle you want to insure. Because Allianz focuses on insuring luxury vehicles and classic cars, expect to pay higher rates with this company.

What discounts can I get with Allianz?

Since Allianz caters toward a specific group of policyholders, it may not offer the same discounts as many other insurance companies, such as safe driver and student discounts. However, you could get a discounted rate if you bundle your auto insurance with Allianz home or life insurance policies. Contact a US Allianz insurance agent directly by calling 800-227-1700 to find out if you’re eligible for any discounts.

Does Allianz offer any special programs?

Yes, Allianz offers specialized car insurance programs for motorcycles, luxury vehicles, classic and collectible cars and business fleets. Allianz also specializes in car insurance for overseas travelers who plan to drive or rent a car abroad.

What’s not covered by Allianz?

Allianz specializes in car insurance for luxury and classic cars, so you might not be able to get an insurance policy through this company for your midrange daily driver. Even for some luxury cars, Allianz may turn your insurance application over to Chubb. Make sure you understand the terms and details of your policy before making a final decision about the best option for your needs.

Pros and cons of Allianz insurance

  • Specialized insurance plans. Allianz offers special insurance coverage options for luxury and classic cars that other companies might offer.
  • Worldwide experience. Allianz has a long history of providing financial services to customers around the world.
  • Travel insurance options. Stay covered when you travel abroad.
  • Limited customer base. Allianz only offers car insurance to select drivers of luxury or classic cars or business owners with large fleets.
  • Poor online reviews. Despite its A+ rating with the BBB, Allianz has lots of negative online reviews.

What do customers say about Allianz?

Allianz is an accredited business with the Better Business Bureau (BBB) and holds an A+ rating. However, as of July 2018, 95 out of its 111 comments are negative. Some of the top complaints about Allianz insurance have to do with poor customer service, slow claims service and hassles and issues when filing a claim. On the other hand, many Allianz customers have been very happy with their travel insurance options.

When reading online reviews, consider that many customers won’t leave a review unless they had an exceptionally poor experience.

How to apply for Allianz insurance coverage

Contact a US-based Allianz insurance agent to apply for insurance coverage or find an agent near you.

  • Call 800-227-1700
  • Email

What info do I need to apply?

Usually, you’ll need to have the following information ready.

  • Contact information, such as your name and address
  • Your car’s VIN or the make, model and trim of the car you’d like to insure
  • Information for any drivers you’d like to add to your policy

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

How to make a claim with Allianz

To file a car insurance claim with Allianz, log into your account through its online portal or get in touch with Terry Campbell, the US claims team leader:

  • Call 646-472-1481
  • Email

Have the following information on hand when filing your claim.

  • Your policy number
  • The date, time and location of the accident or incident
  • The names, addresses and telephone numbers of registered owners, injured people, occupants of other cars and witnesses
  • Description and license numbers of the other cars involved
  • Photos taken after the accident or incident
  • Police report number, if applicable

Does Allianz offer other types of insurance?

Yes, in addition to traditional auto insurance, Allianz offers US customers:

  • Business insurance, including coverage for clients in the energy, entertainment, aviation, marine, aerospace and engineering industries
  • Life insurance
  • Travel insurance
  • Investment services

What are some alternatives to Allianz car insurance?

If you have an expensive luxury car, you might consider going directly through Chubb if Allianz doesn’t seem like the best fit for you. If you drive a midrange vehicle that’s not considered a collectible, consider options like Geico, Allstate or Nationwide, which provide more affordable coverage options for non-luxury vehicles.

Compare car insurance companies like Allianz

Name Product Roadside assistance New car protection Accident forgiveness Available states
Yes, 3 years accident free
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Yes, 5 years accident free or bought
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Yes, history based
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

Bottom line

Allianz offers auto insurance for a select group of drivers and vehicles, but it could be a good option if you have an expensive car you’d like to insure that other companies won’t touch. However, some customers have reported problems with poor customer service and a difficult claims process.

If Allianz doesn’t seem like the right fit for you, compare other car insurance companies to find the best option for your needs.

Frequently asked questions

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site