A Plus Insurance is a regional carrier that sells standard auto coverage, not a special product

A Plus Insurance is a property and casualty insurance company that operates in multiple states and sells the same types of auto insurance that most carriers offer: liability, collision, comprehensive, and uninsured motorist coverage. It is not a discount brand, a specialty program, or a coverage type — it is straightforward one company among dozens you might compare when shopping for a quote.

The company has been in business since 1999 and is licensed to sell insurance in states including Texas, Oklahoma, Kansas, Missouri, and others, though availability varies by location. Like any insurer, A Plus sets its own rates based on your driving record, age, vehicle type, and claims history, so your quote from A Plus will differ from quotes you receive from State Farm, GEICO, or Allstate.

Because A Plus is a smaller regional carrier, you will not see it advertised as heavily as the national brands. That does not make it better or worse — it means you have to actively request a quote to see whether their price works for your situation.

Key Takeaways

  • A Plus Insurance sells standard auto coverage types (liability, collision, comprehensive, uninsured motorist) in a limited number of states, primarily in the South and Midwest.
  • Rates from A Plus will differ from national carriers because the company uses its own underwriting and pricing models, so you need to request a quote to compare.
  • A Plus is a regional carrier, not a discount brand, so whether it saves you money depends entirely on your driving record, location, and vehicle type.
  • You can request a quote from A Plus through their website or by phone, and you should compare it side-by-side with at least two or three other carriers before deciding.

How A Plus Insurance rates compare to national carriers

A Plus does not publish average rates or price comparisons, and neither does any other insurer — what you pay depends on your specific situation. A driver with a clean record in rural Oklahoma might find A Plus cheaper than State Farm, while a driver with one accident in Dallas might find the opposite. The only way to know is to request quotes from multiple companies and compare the actual numbers side by side.

When you request a quote from A Plus, you will be asked for your driving history, the vehicle you want to insure, your desired coverage limits, and your deductible choices. The company will then calculate a rate based on its own risk models. That rate may be higher or lower than what you see from other carriers — there is no pattern that holds across all customers or all states.

Regional carriers like A Plus sometimes have lower overhead than national brands, which can translate to lower premiums in their service areas. Other times, national carriers have more customers and can spread costs differently. The only reliable way to find out which applies to you is to get quotes from at least three carriers and compare the total annual or six-month cost.

What coverage types A Plus offers

A Plus sells the standard auto insurance products: liability coverage (which pays for damage or injury you cause to others), collision coverage (which pays for damage to your own car from a crash), and comprehensive coverage (which covers theft, weather, and other non-collision damage). Most states require you to carry liability; collision and comprehensive are optional but required by lenders if you have a loan or lease.

A Plus also offers uninsured motorist coverage, which protects you if you are hit by a driver who has no insurance. In some states, this is required; in others, you can decline it. The company may also offer additional options like roadside information or rental car reimbursement, though these vary by state and policy.

The coverage types themselves are not unique to A Plus — every auto insurer sells liability, collision, and comprehensive. What differs is the price, the deductible options available, and the customer service experience. You should compare not just the premium but also the deductible amounts A Plus offers and whether their service options (like roadside information) matter to you.

States where A Plus Insurance operates

A Plus is licensed to sell auto insurance in Texas, Oklahoma, Kansas, Missouri, and a handful of other states, but not nationwide. If you live in California, New York, Florida, or many other states, A Plus may not be available to you at all. Before spending time on a quote, check whether A Plus operates in your state — you can do this by visiting their website or calling their customer service line.

Because A Plus is regional, it may have stronger market presence and better rates in some of its core states than in others. A customer in Oklahoma City might find more competitive pricing from A Plus than a customer in a newer market where the company has fewer customers and less data.

How to request a quote from A Plus Insurance

You can request a quote from A Plus through their website or by calling their phone line. Online quotes typically take 10 to 15 minutes and ask for your driver's license number, vehicle identification number (VIN), driving history, and desired coverage limits. You will need to provide information about any accidents or violations from the past three to five years.

If you call instead, a representative will walk you through the same questions and can answer questions about coverage options or discounts as you go. Some people find this slower but more helpful if they are unsure about coverage limits or deductible choices.

After you receive a quote from A Plus, save it and compare it directly to quotes from at least two other carriers. Look at the total cost for the same coverage limits and deductibles across all quotes — do not compare a $500 deductible from A Plus to a $1,000 deductible from another carrier, because they are not the same product.

Discounts and ways to lower your A Plus Insurance premium

Like other insurers, A Plus offers discounts for things like bundling home and auto insurance, maintaining a clean driving record, completing a defensive driving course, or paying your premium in full upfront rather than monthly. The specific discounts available and their size vary by state and by individual circumstances.

Some discounts are automatic — for example, if you have no accidents or violations, you may get a safe driver discount without asking. Others require you to take action, like completing an online safety course. When you request a quote, ask which discounts you may be may have access to to and whether any require paperwork or proof.

The discounts A Plus offers are not necessarily larger or smaller than those from other carriers. A 10 percent safe driver discount from A Plus is the same as a 10 percent discount from anyone else — what matters is the starting price before discounts are applied.

Customer service and claims handling with A Plus Insurance

A Plus handles claims through its own adjusters and processes. You can file a claim online, by phone, or through their mobile app, depending on what is available in your state. The company does not publish average claim settlement times, so you cannot know in advance how long it will take to resolve a claim.

Customer reviews of A Plus are mixed, like reviews of most insurance companies. Some customers report smooth claims experiences; others report delays or disputes over coverage. Before choosing A Plus, read recent reviews on independent sites like the National Association of Insurance Commissioners (NAIC) complaint database or consumer review platforms, which show how often customers file complaints and what those complaints are about.

The NAIC database is publicly available and shows complaint ratios by company and state — this gives you a sense of whether A Plus has more or fewer complaints than competitors in your area. A high complaint ratio does not mean the company is bad, but it is useful information when comparing options.

Frequently Asked Questions

Is A Plus Insurance cheaper than GEICO or State Farm?

Not necessarily. A Plus rates depend on your driving record, location, and vehicle, just like every other insurer. The only way to know is to request quotes from A Plus and at least two other carriers and compare the total cost for the same coverage limits and deductibles.

Does A Plus Insurance operate in my state?

A Plus is licensed in Texas, Oklahoma, Kansas, Missouri, and a few other states, but not nationwide. Check their website or call their customer service line to confirm whether they operate where you live before requesting a quote.

What should I compare when looking at A Plus quotes versus other companies?

Compare the total annual or six-month premium for the same liability limits, collision deductible, and comprehensive deductible across all quotes. Do not compare different deductible amounts — a $500 deductible is a different product than a $1,000 deductible, even from the same company.

Can I bundle home and auto insurance with A Plus?

A Plus may offer bundling discounts if you purchase both home and auto insurance from them, but availability and discount size vary by state. Ask about bundling when you request a quote, and compare the bundled price to the cost of buying auto insurance from A Plus and home insurance from a different company.

How do I file a claim with A Plus Insurance?

You can file a claim online, by phone, or through their mobile app, depending on what is available in your state. Contact A Plus directly after an accident or incident to start the claims process, and ask how long they estimate it will take to resolve your claim.