Amtex Car Insurance Review: 2022

If you live in Texas, you may already be familiar with Amtex Auto Insurance. Free online quotes, local agents, and a decent offer of supplemental coverages and policies make this insurance agency a viable option for many Texans, but is it the right choice for you?

Recently, we reviewed the best auto insurance companies in the market to help our readers make informed decisions on auto policies based on financial strength, coverage, availability, cost, and more. Keep reading to learn how car insurance in Texas from Amtex compares to buying coverage directly from an insurance company.

Use our quote comparison tool below to get started. Or, for an even simpler process, call our team at (844) 246-8209 for free, personalized quotes seven days a week.

Amtex Auto Insurance Overview

Houston-based Amtex Auto Insurance sells auto insurance, business insurance, renter’s insurance, home insurance, motorcycle insurance, and Mexican insurance throughout Texas. The bilingual firm has been in business since 2003 and represents over a dozen area insurance companies, including American Access Casualty Company, Acacia Insurance Group, Bristol West Insurance Group, Progressive and United Automobile Insurance Company.

Amtex Car Insurance Coverage

If you are considering purchasing a policy from Amtex Auto Insurance, you should familiarize yourself with the different types of auto insurance coverage available to you. Knowing what is included in each type of coverage as well as its limitations and exclusions will help you avoid surprises later.

Amtex Auto Insurance sells the following basic auto insurance coverage to its customers:

When you purchase auto insurance from Amtex Auto Insurance, the following add-ons are available at an additional cost:

  • Roadside assistance: Provides coverage (up to $100) on the road for certain services such as towing, gas delivery or breakdown
  • Reimbursement of the rental car: Covers car rental costs (up to $25 per day for 30 days) while your vehicle is being repaired
  • Insurance Mexico: Provides protection while driving in Mexico up to defined limits for each peril mentioned in the policy
  • Property Damage Protection: When you are responsible for an accident, covers damage to the injured party’s property for which you are responsible such as fences and buildings

Amtex Insurance Cost and Discounts

As with any other provider, Amtex auto insurance rates are unique to each customer. This is because insurance companies base your individual rates on a combination of factors about you and your vehicle.

Here are some of the factors that can affect your Amtex auto insurance rates:

  • Cover options: You can get by with only the minimum coverage required by the state, but adding additional coverage can protect you from financial disaster. However, additional coverage will add significant costs to your premiums.
  • Coverage amounts: Increasing your coverage amounts can protect you financially, but it will also increase your rates.
  • Driving history: Any recent at-fault accident or moving violation will increase your auto insurance rates.
  • Age: Young drivers and older drivers generally pay more for car insurance than middle-aged drivers. Teenage drivers must pay the higher rates.
  • Location: Even in Texas, your rates may vary depending on your zip code. Drivers in cities like Houston, Dallas, or Austin will likely pay more for their auto insurance than drivers in rural areas.
  • Credit history: Drivers with poor credit ratings will generally have to pay higher car insurance rates than drivers with good credit.

The only way to find out how much an Amtex policy will cost you is to contact an Amtex agent and request a quote. But to help you get an estimate of your rates, here are some sample rates from top providers for drivers of different profiles in Texas.

Amtex auto insurance and other providers will use more than one variable to calculate your premiums. To ensure you get the best rates, be sure to compare car insurance quotes from multiple providers.

Amtex Auto Insurance Reviews

Our research into Amtex Auto Insurance customer satisfaction and reviews first led us to the Better Business Bureau (BBB). Although Amtex is no longer accredited with the organization, it still holds an A- rating. It only has one customer review with a low one out of five star rating.

Three complaints have been filed with the BBB in the last three years for billing and reimbursement issues, one of which has been closed in the last 12 months.

The Amtex Auto Insurance website has a claims page with direct links to online claim forms and the websites of the various insurers it represents. Customers can contact the Amtex Claims Department if they also need further assistance.

If you visit the Amtex website, you’ll notice dozens of mixed customer reviews.

Amtex technology and applications

Since Amtex works with a number of auto insurance companies, the technology available may depend on your specific policy. Progressive, for example, offers several mobile apps and usage-based insurance options.

All Amtex partner insurers have the ability to pay your policy premium online, which can be found on the Amtex website.

Our take on Amtex car insurance: 3.5 stars

Amtex Auto Insurance is a regional insurance agency rather than an insurance company, so there are pros and cons to buying your auto insurance from this company. Amtex represents several auto insurance companies in the area, which could help you get the lowest rates for your coverage.

Since Amtex freelance agents are usually local to the area, you may also have the benefit of working with someone who knows the area well. Also, the agency is not affiliated with any particular insurance company and would be able to offer you several policy or plan recommendations.

However, these services are not free. The agency will charge a small fee on top of your insurance premium for the ease and convenience they provide. Additionally, some of the customer reviews we read seem to suggest that the quality of customer service may vary by location.

Since Amtex represents a number of insurance companies, it is also essential to assess the specific underwriter of your policy and ensure that they have the financial strength to meet their obligations.

If you want to explore more insurance provider options before making your decision, we recommend reading our recent review of the best car insurers on the market. When you buy your insurance directly from a highly rated national provider like Geico or State Farm, you can rest assured that you’re getting solid coverage at a good price.

Fill out the form below or call (844) 246-8209 to start comparing quotes from multiple vendors.

Although we love Amtex Auto Insurance, it’s a good idea to compare your coverage options by getting quotes from more than one insurance company. We recommend the following companies, both of which have a 4.6 out of 5.0 star rating.

Geico is a popular insurance company that we rated as “best overall” in our Geico review. It is known for its wide coverage options, superior financial strength, deep discounts, and good customer service. Geico is available nationwide, offers affordable rates, and has an easy claims process, so we think it’s a reliable option for most drivers.

We named State Farm Best For Students, and the insurer wins our endorsement for its financial strength, customer service, and affordable rates. In addition to the standard coverages and add-ons, our State Farm Insurance review found that the company also offers extras like trip interruption coverage and ride-sharing coverage that might tip the scales for many. clients.


In an effort to provide accurate and unbiased information to consumers, our team of experts collects data from dozens of car insurance providers to compile rankings of the best insurers. Companies receive a score in each of the following categories, along with an overall weighted score of 5.0 stars.

  • Industry Ranking: Insurers with strong financial ratings and customer-focused business practices receive the highest scores in this category.
  • Availablity: We consider availability by state as well as exclusions for specific groups of drivers.
  • Cover: This rating is based on the types of insurance available, maximum coverage limits and supplemental policies.
  • Cost and discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many auto insurance discount opportunities receive the highest scores.
  • Customer service: We scour customer reviews and consumer feedback studies from experts like JD Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.