When it comes to affordable and reliable auto insurance in the United States, Amax Auto Insurance stands out as a popular option for drivers looking for flexible coverage at competitive rates. Founded in 2002 and headquartered in Dallas, Texas, Amax has grown rapidly, serving thousands of customers through more than 200 offices across Texas and beyond. Known for its customer-first approach and focus on providing low-cost insurance options, Amax is a trusted name for drivers seeking basic liability or full coverage policies.
This article explores the company in detail, its coverage types, benefits, cost factors, and a sample calculation to give you a clear understanding of what to expect.
What is Amax Auto Insurance?
Amax Auto Insurance is a Texas-based insurance agency that partners with multiple carriers to provide customers with affordable coverage options. Rather than underwriting policies itself, Amax acts as a broker, helping customers compare prices and find the best plan that meets their needs and budget.
Amax specializes in:
- Auto Insurance (Liability, Comprehensive, Collision, SR-22)
- Motorcycle Insurance
- Commercial Auto Insurance
- Homeowners and Renters Insurance
- Mexico Auto Insurance for cross-border drivers
Why Choose Amax Auto Insurance?
Drivers choose Amax for several reasons:
- Affordable Premiums – Amax targets budget-conscious drivers with lower down payments and flexible payment plans.
- High-Risk Driver Options – Even if you have tickets, accidents, or require an SR-22, Amax can still connect you with coverage.
- Bilingual Services – Many offices offer services in English and Spanish to better serve Texas’s diverse communities.
- Wide Office Network – With over 200 physical offices, customers can easily walk in and speak to an agent.
- Customizable Coverage – Policies can be tailored to fit state minimums or expanded for full protection.
Types of Coverage Offered by Amax Auto Insurance
- Bundle Policies – Combine auto and renters/home insurance for discounts.
- Safe Driver Discounts – Maintain a clean driving record to lower premiums.
- Pay in Full – Paying annually instead of monthly can reduce costs.
- Ask About Multi-Car Discounts – Insure multiple vehicles with Amax.
- Increase Deductibles – Choosing a higher deductible can reduce monthly payments.
Factors That Affect Amax Auto Insurance Rates
The cost of your Amax auto insurance policy depends on several variables, including:
- Driving Record – Accidents, tickets, or DUIs increase premiums.
- Location – Urban areas with higher accident rates typically have higher costs.
- Vehicle Type – Luxury or sports cars cost more to insure than standard sedans.
- Coverage Level – Minimum liability is cheaper than full coverage.
- Age & Gender – Young drivers often pay higher premiums due to inexperience.
- Credit Score – In some states, insurers consider credit when setting rates.
Amax Auto Insurance Cost Calculation Example
Let’s assume a 30-year-old driver in Dallas, TX with a clean driving record, driving a 2018 Toyota Camry.
Scenario 1: State Minimum Liability Only
- Bodily Injury Liability: $30,000 per person / $60,000 per accident
- Property Damage Liability: $25,000 per accident
- Monthly Premium Estimate: $85
- Annual Cost: $1,020
Scenario 2: Full Coverage (Liability + Comprehensive + Collision)
- Liability: $100,000/$300,000/$50,000
- Comprehensive: $500 deductible
- Collision: $500 deductible
- Monthly Premium Estimate: $160
- Annual Cost: $1,920
Scenario 3: High-Risk Driver with SR-22 Filing
- Liability Only + SR-22
- Monthly Premium Estimate: $220
- Annual Cost: $2,640
👉 These numbers are estimates and vary by driver profile, zip code, and insurer Amax partners with.
Advantages of Amax Auto Insurance
- Competitive prices for budget-conscious drivers
- Large network of offices for in-person assistance
- Bilingual customer service
- Special options for high-risk drivers
- Partnerships with multiple carriers for flexible quotes
Disadvantages of Amax Auto Insurance
- Coverage is limited to states where offices exist (mainly Texas)
- No mobile app for managing policies
- Service quality may vary depending on location
- Not always the cheapest option for good drivers with clean records
Tips for Saving on Amax Auto Insurance
- Bundle Policies – Combine auto and renters/home insurance for discounts.
- Safe Driver Discounts – Maintain a clean driving record to lower premiums.
- Pay in Full – Paying annually instead of monthly can reduce costs.
- Ask About Multi-Car Discounts – Insure multiple vehicles with Amax.
- Increase Deductibles – Choosing a higher deductible can reduce monthly payments.
(FAQs)
1. Is Amax Auto Insurance available outside Texas?
Currently, Amax primarily operates in Texas but also serves some neighboring states through partner carriers.
2. Does Amax Auto Insurance offer SR-22 filing?
Yes, Amax helps high-risk drivers with SR-22 filings required by the DMV.
3. Can I get insurance with Amax if I don’t have a driver’s license?
Yes, in some cases Amax can provide coverage to unlicensed drivers or those with international licenses.
4. Does Amax Auto Insurance have a mobile app?
As of now, Amax does not offer a mobile app, but customers can manage policies in person, over the phone, or online.
5. How do I make a payment to Amax?
Payments can be made at local offices, by phone, or online through the Amax website.
6. Does Amax cover Mexico travel?
Yes, Amax offers Mexico auto insurance for drivers who frequently cross the border.
7. How can I get a quote from Amax?
You can request a quote online, by phone, or by visiting one of their local offices.
Conclusion
Amax Auto Insurance is a strong choice for budget-minded drivers in Texas seeking reliable coverage, especially those with imperfect driving records. With competitive rates, bilingual services, and flexible options, Amax continues to expand as a trusted insurance provider. While it may not have the nationwide presence or digital convenience of larger insurers, it makes up for it with affordability and personal customer service.