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Allianz car insurance review

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

finder.com’s rating: 3 / 5.0

★★★★★

  • 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

optional

Roadside assistance

New car protection

Accident forgiveness

Details

States served All 50 states
Roadside assistance Optional
Pay schedule custom
Claims methods online, email
New car protection No
Accident forgiveness No

Pros

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

Cons

  • 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

Expert review

Gabrielle Pastorek

Review by


Gabrielle Pastorek is a staff writer at finder.com, helping readers round up the best deals, coupons, retailers, products and services to save money and make decisions. She holds an MFA from the University of Pittsburgh, and her essays and short stories can be found in The Collagist, Blue Monday Review, Blotterature and others. When she’s not writing, Gabrielle can be found out in the barn with her horse, Lucy.

Expert review

Allianz stands as a good choice if you have an expensive luxury car that other insurers won’t touch. It’s ideal for travelers, businesses and owners of luxury and classic cars.

However, some customers report poor customer service and a difficult claims process that could make interactions with Allianz a headache. You might find a better experience for luxury cars with its partner company, Chubb.

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.

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 by bundling travel and car insurance when renting a car abroad.
  • Limited customer base. Allianz only offers car insurance to select drivers of luxury or classic cars or business owners with large fleets.
  • Limited coverage. Allianz specializes in car insurance for luxury and classic cars, so you might not be able to get coverage for your midrange daily driver or you might be turned over to Chubb.
  • Poor online reviews. Despite its A+ rating with the BBB, Allianz has lots of negative online reviews.

Compare alternatives to Allianz

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.

Compare up to 4 providers

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 car insurance

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

  • Call 800-227-1700
  • Email AGCSCommunication@agcs.allianz.com

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

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 terry.campbell@allianz.com

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

Frequently asked questions about Allianz car insurance

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.

We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

Learn the details of our methodology and scoring.

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