Is Bluefire an insurance company?

No. Bluefire is a managing general agent. It underwrites, prices, and administers policies on behalf of licensed insurance carriers, but the issuing carrier — such as Old American County Mutual — is the company that actually bears the risk.

What is an MGA and why does it matter?

A managing general agent has authority from an insurer to underwrite and administer policies on its behalf. It matters because the MGA's name is on your documents while a different company's balance sheet backs your claim. Check the issuing carrier's financial strength rating, not the MGA's brand.

Does Bluefire offer SR-22 filings?

Yes. SR-22 filing is a core part of its non-standard offering, serving drivers who need proof of financial responsibility after a DUI, at-fault accident, or lapse. The filing is submitted by the issuing carrier.

How do I get connected with an agent for non-standard coverage?

Enter your ZIP above and we'll connect you with licensed agents in your area. Non-standard pricing varies widely between markets, so comparing several carriers and asking about fees is the reliable way to find the cheapest acceptable option.

How does Bluefire compare to Dairyland and Bristol West?

Dairyland and Bristol West are licensed carriers that underwrite their own policies and both hold A+ AM Best ratings. Bluefire is an MGA whose policies are issued by third-party carriers, so its financial backing depends on which insurer writes your specific policy. For a high-risk driver, quoting the A-rated carriers alongside a Bluefire placement is worthwhile.

Rates as low as $38/month

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Editorial research & comparison

Independent comparison — not affiliated with any insurance carrierReliablePolicy is an independent lead generation service that connects consumers with licensed insurance agents and carriers. We are not affiliated with, endorsed by, or acting as an agent for any carrier named on this page. All carrier names and trademarks are the property of their respective owners, referenced solely for informational purposes under nominative fair use.

Bluefire Insurance

What Is Bluefire Insurance? An Independent Review of the MGA (2026)

By ReliablePolicy Editorial Team

Bluefire is a managing general agent — an MGA — not an insurance carrier. Based in Irving, Texas and part of the Confie group, it underwrites and administers non-standard auto policies on behalf of licensed insurers such as Old American County Mutual. Knowing who actually carries the risk matters here. Here's the 2026 picture.

Type

MGA

Administers, does not carry risk

Parent

Confie

Large privately held broker group

Issuing carriers

Multiple

e.g. Old American County Mutual

Availability

~10+ states

South, Southwest, CA, WA, IL, IN

Specialty

Non-standard

High-risk and SR-22 drivers

Interested in Bluefire Insurance? Get connected with agents in your areaEnter your ZIP — it takes under 2 minutes

Bluefire Insurance overview

Bluefire Insurance is a specialist non-standard auto MGA headquartered in Irving, Texas and part of the Confie group. A managing general agent underwrites, prices, and administers policies on behalf of licensed insurance companies rather than carrying the risk itself — Bluefire's policies are issued by carriers including Old American County Mutual. It distributes through independent agents across roughly ten-plus states spanning the South and Southwest plus California, Washington, Illinois, and Indiana, and focuses on drivers with violations, accidents, SR-22 requirements, or no prior insurance.

Bluefire Insurance estimated rates by driver profile (2026)

Independent market estimates for drivers researching Bluefire Insurance — not provided by or endorsed by the carrier. All figures are approximate national averages from public industry data.

Driver profile	Est. annual premium	vs. market avg.	Notes
Clean record, 30-45	Market rate	Non-standard tier	Not its target segment
Single accident (3 yrs)	Above market avg.	Non-standard tier	Core Bluefire segment
DUI on record	Well above avg.	Non-standard tier	SR-22 filing available
Young driver (18-24)	Above market avg.	Non-standard tier	Accepts thin histories
Senior driver (65+)	Market rate	Non-standard tier	No senior specialization
Lapsed coverage	Above market avg.	Non-standard tier	No prior insurance required

Estimates based on NAIC rate filings and state insurance department data. Not quotes from Bluefire Insurance. Actual premiums are determined solely by the carrier based on your individual underwriting profile.

Bluefire Insurance pros and cons

Where Bluefire Insurance excels

✓Writes drivers routinely declined by standard carriers
✓SR-22 filing support for license reinstatement
✓Flexible payment plans and low down payments
✓Distributed through independent agents who can compare alternatives
✓Same-day coverage commonly available

Where Bluefire Insurance falls short

✗An MGA, not a carrier — the issuing insurer bears the risk
✗You must check the issuing carrier's rating, not Bluefire's brand
✗Non-standard pricing is high relative to the standard market
✗Available in a limited set of states
✗Coverage menus are thin, often minimum limits only

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A closer look at Bluefire Insurance

The MGA structure is the thing to understand. Bluefire designs and administers the product, but a separate licensed insurer stands behind the policy, and that insurer's financial strength is what protects you at claim time. County mutual arrangements common in Texas can be perfectly sound, but they are not the same as buying from an A-rated national carrier, and the distinction is easy to miss because the Bluefire name is what appears on your paperwork. Ask your agent which company issues the policy and look up its rating.

Bottom line

A legitimate non-standard MGA for drivers with few options, distributed through independent agents. Ask which carrier actually issues the policy and check that company's financial strength before buying.

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Frequently asked questions about Bluefire Insurance

Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, endorsed by, or in any way officially connected to Bluefire Insurance. All carrier names and trademarks are the property of their respective owners and are used solely for informational and comparison purposes. Rate figures shown are independent market estimates based on publicly available data and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with the carrier or a licensed agent.

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