Affirmative Insurance 8-K Changes in Registrant's Certifying Accountant

Exhibit 16.1

KPMG LLP

Suite3100

717 NorthHarwoodStreet

Dallas,TX75201-6585

July17, 2015

Securitiesand Exchange Commission

Washington, D.C. 20549

Ladies and Gentlemen:

WewerepreviouslyprincipalaccountantsforAffirmative Insurance Holdings,Inc.and,underthe dateofMarch31,2015, wereportedontheconsolidatedfinancialstatementsofAffirmative InsuranceHoldings,Inc.asofandfortheyearsendedDecember 31,2014and2013.On July15,2015,weweredismissed.WehavereadAffirmativeInsuranceHoldings,Inc.'sstatements includedunder Item4.01ofitsForm8-KdatedJuly17,2015,andweagreewithsuchstatements, exceptthatwearenotin aposition toagreeordisagreewithAffirmativeInsuranceHoldings, Inc.’sstatementthatthechangewasapprovedbytheauditcommitteeoftheboardofdirectorsand wearenotinapositiontoagreeordisagreewithAffirmative InsuranceHoldings,Inc.’sstatement thatBDOUSALLPwasnotengagedregardingtheapplicationofaccountingprinciplestoa specified transactionorthe typeofauditopinion that theymighthaverenderedonAffirmative Insurance Holdings, Inc.’sconsolidated financialstatements.

Verytruly yours,

KPMGLLPis aDelaware limited liability partnership,

theU.S.memberfirmofKPMGInternationalCooperative

(“KPMGInternational”),aSwissentity.