Commercial Alliance Insurance Company Review & Complaints: Personal & Commercial Auto Insurance

Commercial Alliance Insurance Company works mainly with cross-border commercial drivers in Mexico, but they offer limited personal insurance coverage in Texas and California. Compare car insurance rates in your area by typing your ZIP code into our free online tool.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 18, 2022

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Commercial Alliance Insurance Company

Financial Strength

Commercial Alliance Insurance Company (CAIC) Overview
CAIC Key InfoCAIC Statistics
Year Founded1998
Current ExecutivesPresident – Luis Rafael Bordes
Number of Employees51–200
Total Sales/
Total Assets
Headquarters415 Lockhaven Drive
Houston, TX 77073
Phone Number1-713-960-1214
Premiums Written$14,977,081
Loss Ratio67.32% (IAT Group)
Best ForPersonal and Commercial Auto Insurance
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Commercial Alliance Insurance Company (CAIC) is a Houston-based insurer catering to the needs of the cross-border market between Mexico and the United States. This includes both personal and commercial insurance for vehicles traveling from Mexico to the U.S. This Commercial Alliance Insurance Company review will discuss the ins and outs of its services.

To find Commercial Alliance Insurance Company loss runs, you would have to look at its parent company. We will cover not just what the company’s parent company is but also who it offers services to and what products it offers. Unfortunately, we are not able to provide Commercial Alliance Insurance Company loss runs.

We understand that the process of finding the right insurer can be a complicated one. This is especially true with a smaller company such as Commercial Alliance Insurance Company. We want you to find the best insurance companies for you, which is why we will cover everything step by step.

Before jumping into this Commercial Alliance Insurance review, find the best rates in your local area by typing your ZIP code above.

Commercial Alliance Insurance Company Car Insurance Rates

Online quotes are not available for this company, and no rate information is listed. Rates can be expected to vary based on the length of time for which the coverage is needed and the type of coverage required. Since this insurance is intended only for vehicles that are registered in Mexico, the rates cannot be compared to insurance companies offered to the U.S. market.

Owned by Mexican company Seguros, CAIC operates in the United States as a part of IAT Insurance Group, with headquarters in Houston, Texas. It also has nine offices located in Mexico.

The company writes insurance policies for vehicles that are registered and insured in Mexico crossing the border into the U.S., where Mexican insurance policies do not apply and are not acceptable to meet legal requirements.

Its policies include personal car insurance and commercial auto insurance coverage for the commercial trucking industry.

CAIC Seguros USA has a website that is only available in Spanish, with information offered to the English-speaking market found on the IAT Insurance Group website, which focuses solely on commercial insurance.

What is CAIC availability by state?

Commercial Alliance Insurance Company is available only in California and Texas. Because it is a smaller company with a niche market, its state availability is limited. Again, even though CAIC does not offer auto insurance in the United States, the table below shows the average rates in California and Texas.

Average Annual Auto Insurance Rates In California & Texas
CompaniesCalifornia Average RatesTexas Average Rates
Liberty Mutual$3,034.42 NA
State Farm$4,202.28$2,879.94
Allstate$4,532.96 $5,485.44
American FamilyNA$4,848.72
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Let’s move on now to what coverages are offered by CAIC.

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CAIC Car Insurance Coverages Offered

CAIC’s insurance is aimed specifically at vehicles that will be driven in the United States but are registered in Mexico and have Mexican license plates.

CAIC writes liability policies for cars and motorcycle insurance policies that are designed to meet the local laws in the U.S. The program also offers coverage for medical expenses and roadside assistance, otherwise known as emergency roadside assistance auto insurance.

The following video explains why you need roadside assistance.

Policies are offered both for short visits to the United States as well as for vehicles that will be kept there for longer periods of time but will still have Mexican plates. These short-term policies are similar to those offered to residents of the U.S. during visits to Mexico by car. These policies include coverage for physical damage to the vehicle while driving in the U.S.

This makes it similar to collision and comprehensive insurance. Let’s take a look at a table showing collision rates averages in each state. While rates for CAIC are not readily available, this can serve as a comparison should you choose to shop with them.

Average Annual Collision Auto Insurance Rates in Mexican Border States
StatesAverage Annual Collision Rates
New Mexico$462.21
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Before we move on to comprehensive coverage, let’s take a look at a video that will provide more information on collision coverage.

Now let’s look at a comparable table for comprehensive insurance.

Average Annual Comprehensive Auto Insurance Rates in Mexican Border States
StatesAverage Annual Comprehensive Rates
New Mexico$166.89
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If you have dealt with CAIC, how did their proposed rates measure up to these tables? Let’s take a look at a video that will give some further insight into comprehensive coverage.

That covers personal insurance, let’s move to commercial insurance.

CAIC writes full coverage policies for commercial vehicles including trucks that cross the border regularly for business purposes. Coverage under these policies includes:

Let’s get some details on what these coverages are. First off, Third-Party Liability covers expenses due to a negligent third party’s actions. Medical Payments coverage provides financial compensation for medical expenses and lost wages for yourself and your passengers. Here is a video further explaining Medical Payments, or, MedPay.

Cargo Coverage provides coverage on the freight that is hauled by a for-hire trucker. Cargo that is lost or damaged due to collision or fire is covered. Trailer Interchange Insurance does the same, but for trailers.

General Liability Insurance is frequently known as business Liability Insurance. This covers one’s company and oneself for claims involving bodily injury and property damage.

What are CAIC’s bundling options?

As of this writing, CAIC does not offer a bundling option. Let’s move on to discounts.

What discounts are offered by CAIC?

As of this writing, CAIC also does not offer discounts, at least in terms of information available.

What programs are available from CAIC?

Extra programs like accident forgiveness are pretty standard with bigger companies like State Farm and Allstate but are nonexistent with Commercial Alliance Insurance Company.

Canceling your CAIC Car Insurance Policy

There is no information regarding CAIC’s cancellation policy including whether or not there is a fee if there is a refund, how one goes about it, or when once can cancel. However, should you feel the need to cancel, CAIC’s number is 1-713-960-1214.

How to Make a CAIC Car Insurance Claim

CAIC offers an online claim reporting option on the main Spanish page of the website. The link leads to a form where a claim can be submitted.

The IAT Insurance Group website also lists a toll-free Commercial Alliance Insurance Company claims number for the office in Houston, as well as a mailing address. Beyond the contact information, there is no information offered regarding claims processing.

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CAIC: Car Insurance Ratings

CAIC is not accredited by the Better Business Bureau (BBB), nor is it rated at the time of this review. The No Rating (NR) score is given as the result of a lack of information required to give the company a grade. There are no complaints or reviews listed on the site.

We found just one review on Google, citing the inability to get a response from the company. This gives CAIC a one-star rating but really does not provide a lot of information. The one review on Yelp is not helpful as it’s from a person who isn’t a customer of the company but merely found them to be friendly when stopping in to ask a question.

We were unable to find a whole lot to go on in terms of this company’s reputation — this is likely because most of its customers are Mexican residents who may not use the same review systems like those we use for our research.

However, here is a video on working life at its parent company IAT.

Here is another video about how IAT, as a company, is creating an environment of inclusion.

According to Glassdoor, IAT employees give the company 4.6 out of 5 stars. When a company is able to keep its employees happy, usually its customers are, too.

Commercial Alliance Insurance Review: The Bottom Line

While we do not really have enough information to provide a clear look at this company, it does offer a niche type of insurance that is not offered everywhere.

That makes Commercial Alliance worth a look if you need coverage for a Mexican vehicle in the U.S., whether personal or commercial. Should you be in the commercial line and planning on traveling over the border, it again may be worth a look.

Now that you’ve finished this Commercial Alliance Insurance review, type your ZIP code below to get rates from top insurance companies.

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Frequently Asked Questions: Commercial Alliance Insurance Company Review

Hopefully, we answered all of your questions, but if not, check out our frequently asked questions below.

#1 – How do customers rate Commercial Alliance Insurance?

A Google search will show that 0 percent of the company’s policyholders stated they would be likely to renew their policy, whether life or homeowners insurance.

#2 – What states does Commercial Alliance Insurance do business in?

Texas and California.

#3 – Where can I find the top car insurance companies?

We have reviews of the car insurance companies large and small, as well as the best home insurance companies and life insurance companies as well right here.

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