Everest Car Insurance Review [2024]
Everest car insurance is an Alpharetta, GA, based car insurance company. Everest auto insurance is in Michigan and five other states and offers the state minimum requirements for coverage, and these basic policies mean Everest car insurance rates may be lower. Everest car insurance ratings with A.M. Best indicate a strong financial standing with a superior A+ grade.
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Tonya Sisler
Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...
Insurance Content Team Lead
UPDATED: Nov 8, 2023
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- Everest car insurance company offers only state-mandated car insurance requirements.
- They service Alabama, California, Georgia, Michigan, South Carolina, and Tennessee.
- Their prices tend to be lower, but you do not have the option of purchasing extensive coverage.
Our Everest car insurance review looks at the southeast-based car insurance company. You can only get Everest car insurance in Michigan, Tennessee, South Carolina, Georgia, California, and Alabama. So what does the company offer?
Read our Everest car insurance review to learn what the company offers and how you can find cheap car insurance in your area.
Athough you can’t get Everest auto insurance quotes online, we can help you to compare quotes now. Start looking for affordable car insurance by entering your ZIP code in the FREE comparison tool above.
What are the benefits of Everest car insurance?
Everest Insurance Company offers what’s called minimum limits auto insurance to their clients. Minimum limits auto insurance means just that; this is a company that only sells the minimum car insurance requirements. Unlike most of the larger national companies, you cannot buy an auto insurance policy with a wide range of additional coverage options from Everest.
According to the Insurance Information Institute, minimum insurance requirements vary by state, but all minimum requirements are under liability insurance. Liability insurance pays for the medical bills and property repairs for other drivers in accidents you cause.
Everest is an insurance provider that only serves people who live in Alabama, California, Georgia, Michigan, South Carolina, and Tennessee.
The benefit of using an auto insurance company specializing in minimum limits auto insurance is that their prices tend to be quite a bit less than companies that offer a wide variety of insurance options for car insurance.
The reason for this is that the auto insurance company does not have to be responsible for any other types of claims that occur when you have an auto accident.
Of course, this means that you are responsible for any other financial losses in an accident besides what is covered by the state-mandated minimums.
For instance, if you had full-coverage car insurance (collision and comprehensive coverage) with another company, your insurer would be responsible for paying for your damages if you were at fault in an accident, in addition to the other driver’s. They would also have to pay for a claim if something else happened to your vehicle, like it was stolen or vandalized.
With the minimum coverage, your insurer is only paying for the other party’s damages after an accident you caused, which is considerably cheaper.
People who benefit most from this type of auto insurance are people who:
- Own their vehicles outright
- Own older model cars that don’t have a lot of market value
It is often not worth it to purchase any other type of coverage for the vehicle because it isn’t worth enough for your insurance company to consider repairing or replacing.
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How much are average car insurance rates?
We don’t have Everest car insurance rates available, but we can take a look at average rates in the states the company serves.
The National Association of Insurance Commissioners (NAIC) provides an annual report to show consumers the average cost of insurance from different companies and rates in general.
Let’s the current averages for states that have Everest car insurance coverage.
Average Annual Rates of States with Everest Car Insurance
| States | Average Annual Liability Rates | Average Annual Collision Rates | Average Annual Comprehensive Rates | Average Annual Full Coverage Rates |
|---|---|---|---|---|
| Alabama | $417.30 | $322.62 | $157.68 | $897.60 |
| California | $503.62 | $402.01 | $98.60 | $1,004.23 |
| Georgia | $596.93 | $340.54 | $159.58 | $1,097.05 |
| Michigan | $815.86 | $420.22 | $151.98 | $1,388.06 |
| South Carolina | $553.71 | $269.34 | $181.77 | $1,004.82 |
| Tennessee | $427.30 | $313.71 | $148.24 | $889.25 |
Tennessee is the cheapest state for car insurance. Everest car insurance could be more expensive than the average, but we are unable to obtain rates.
What do you need to know about Everest Insurance?
Everest Security Insurance Company is headquartered Alpharetta, GA. The office hours of Monday through Friday from 8:00 to 5:00 EST. Their claims office is open Monday through Friday from 8:00 to 4:00 EST. After hours, they offer an automated line for emergencies. The Everest car insurance phone number is 678-942-2315.
Everest Car Insurance Company is a subsidiary of Everest National auto insurance, an international company that offers a full complement of commercial and personal insurance. Also, they provide financial services for businesses and individuals.
The Everest Insurance Company rating with A.M. Best is an A+, which indicates financial stability.
Everest insurance reviews are mixed. If you’re looking to buy Everest car insurance, you might want to shop around first. You might be able to get a better deal with more coverage from another company.
Now that we’ve covered all there is to know about Everest car insurance, try our free quote tool by entering your ZIP code below.
Frequently Asked Questions
What is Everest?
Everest is an insurance provider that offers coverage for vehicles, providing financial protection in the event of accidents, theft, or damage. They offer various policies and coverage options to meet the needs of different drivers.
How can I contact Everest?
To contact Everest, you can reach out to their customer service department through their official website, phone, or email. The contact information can usually be found on their website or in policy documents.
What types of coverage does Everest car insurance offer?
Everest car insurance includes a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured motorist coverage.
How can I get a quote for car insurance from Everest?
To get a quote for Everest car insurance, you can visit their website and use their online quote tool. You’ll typically need to provide details such as your personal information, vehicle details, driving history, and desired coverage levels. The tool will generate a quote based on the information provided.
Can I manage my Everest car insurance policy online?
Yes, Everest usually provides an online portal or mobile app where policyholders can manage their policies. This includes making payments, updating personal information, adding or removing vehicles, and accessing policy documents.