Amax Auto Insurance Reviews

amax auto insurance reviews

Most Amax Auto Insurance reviews are mixed, as their customers have had positive and negative experiences. With that said, mixed reviews are relatively common for most insurance companies. In this one, we’ll discuss the pros and cons of this insurance provider and why they might or might not be the best choice for every driver.

About Amax Auto Insurance

Founded in 2002, Amax Auto Insurance has always operated under the premise that finding the right insurance should be fast, easy, and inexpensive. You’ll find that they frequently advertise their low-cost insurance for residents and business owners across Texas.

With their help, you can browse through different types of coverage from over 20 insurance carriers they work with. Compared to other insurance companies that provide policies themselves, Amax Auto Insurance matches you with prospective providers who have their packages. This helps you to find the cheapest possible insurance that still meets the legal state requirements for drivers in Texas.

Amax Auto Insurance Coverage Options

Instead of offering policies themselves, Amax Auto Insurance matches clients with different insurance providers with an assortment of packages. With that said, your policy may differ from another policyholder, depending on the company you have chosen and the available add-ons that they offer.

You can guarantee that you’ll at least be able to choose from basic coverage options, including:


When found to be at-fault in an accident that causes personal injury or property damage, liability coverage deals with medical expenses and auto repairs.


Damage to your vehicles stemming from an instance out of your control, such as theft, vandalism, or fire, will be covered by comprehensive coverage.


Collision is highly recommended as an add-on as it gives you an additional buffer when dealing with car repairs, medical bills, and other expenses stemming from an accident where you are declared at-fault.

Personal Injury Protection

This type of coverage will come into play regardless of who is found to be at fault, and it covers both you and your passengers. With personal injury protection, hospital bills, doctor fees, and even funeral costs are covered.

Uninsured and Underinsured Motorist

In accidents with another driver who is uninsured or underinsured, you will have to pay for plenty of costs out of pocket. With this type of coverage, your insurance will deal with the costs not covered by the other driver.

Medical Payments

As an added benefit for medical costs associated with an accident, medical payment coverage deals with ambulance rides and potentially lost wages.

Rental Reimbursement

If your vehicle needs to be worked on after an accident and you are without transportation, rental reimbursement is a convenient type of coverage to have. Most insurance providers have a cap for rental reimbursement, so you’ll want to ensure you don’t spend over the allotted amount for a rental car.

Roadside Assistance

In a situation where your vehicle breaks down, or if you need quick repairs done on the side of the road, roadside assistance coverage ensures your vehicle is towed at no cost to you.

Benefits of Amax Auto Insurance Policies

There are a few important advantages to Amax Auto Insurance to consider, as they could be one of the best options for drivers in the state of Texas.

Unconventional Insurance

Particularly important for nontraditional drivers, such as those declared high-risk, the insurance you’ll receive via Amax Auto Insurance will be specifically catered to your every need.

With them, you’re likely to find lower prices than if you opted for a regular provider and you won’t have to worry about jumping through hoops to get insured. As a high-risk driver, finding insurance can be quite a difficult task, but your insurance agent will be able to find you plenty of comparable rates.

You’ll also find that if you need special insurance policies, such as SR-22 insurance, this company will help you to find a provider that accommodates your needs.

Texas-Based Insurance

If you’re a resident of Texas, you’ll likely want insurance that ensures you meet the state minimums. As this company is based solely in Texas, you’ll be able to work with a team of agents who know the ins and outs of local laws, helping you to find the most competitive rates for your area. You’ll also find this to be beneficial when you have to ask specific questions about Texas driving laws.

Multiple Insurance Providers

As earlier mentioned, Amax Auto Insurance works with other insurance providers to give you competitive packages. There are multiple providers you can work with to find competitive rates, including Connect Insurance, Progressive Insurance, Empower Insurance, Infinity Insurance, Lamar Insurance, and more.

Online Services

If you’re someone who enjoys handling tasks online rather than in person, you’ll be glad to know there are basic services you can use online through their website.

For example, you can file a claim with your provider as well as obtain quotes from an agent. Compared to most other smaller insurance companies, their online services are well designed and user-friendly.

Cons of Amax Auto Insurance Policies

When you take a look at independent review websites, you’ll find that customers have less than stellar experiences with Amax Auto Insurance. Below are the most discussed disadvantages of working with them.

Unprofessional Agents

Though this differs from person to person, some of the agents with Amax Auto Insurance are unprofessional in the sense that they don’t do a sufficient amount of research into their policyholder’s information. A few customers expressed concern about receiving inaccurate quotes because their information was read incorrectly.

Another issue with the insurance agents with this company is that they may take a while to respond to an inquiry or request, both on the phone and in-person. It’s best if you can use their online quoting system to save time.

Limited Availability

Though Amax Auto Insurance operates in multiple cities across the state of Texas, they do not insure drivers outside of the state. If you need nontraditional insurance, you will be forced to opt for another company to help you find competitive rates. It appears to be that the company doesn’t intend on expanding their reach shortly as well.

Lacking Convenient Services

When you put Amax Auto Insurance up against other insurance companies, you’ll find they lack a few convenient services, such as a mobile application. You’ll also find their coverage options are lackluster compared to other providers that offer insurance themselves.

Amax Auto Insurance Reviews: Final Thoughts

If you’re a driver who has found it difficult to get insurance with other providers in Texas, Amax Auto Insurance is a great choice to have, according to Amax Auto Insurance reviews. Compared to paying exorbitantly high rates with larger providers, they are a great source for competitive rates for niche insurance.

Although, as a driver with a clean record, you can be better served from a more professional insurance provider. All in all, Amax Auto Insurance is highly recommended for high-risk drivers looking for inexpensive and basic insurance.

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