Enter your zip code to compare affordable auto insurance quotes from top-rated carriers like Progressive, Kemper, and Commonwealth. With over 250+ locations across Texas and California, plus virtual offices serving Arizona, Illinois, and Indiana, A-MAX makes it easy to find cheap car insurance near you — in person, online, or by phone. See how much you could save today.
Compare Cheap Auto Insurance Rates — Get a Free Quote
What is Auto Insurance?
Auto insurance is a contract between a driver and an insurance company that provides financial protection in the event of a car accident or damage to your vehicle. As a vehicle owner, you pay an agreed-upon premium to your car insurance carrier so they will cover certain expenses — based on the coverages you select — after a loss involving your insured vehicle. Whether you need liability-only coverage or a full coverage auto insurance policy, the right plan protects you from unexpected costs on the road.
How Does Auto Insurance Work?
Auto insurance protects you and your vehicle against potential financial losses. A car insurance policy can include several types of coverage depending on your needs and your state’s requirements. Here’s what’s typically covered:
WHAT'S COVERED
How Much Does Auto Insurance Cost?
The cost of auto insurance depends on several factors, including your driving record, the type of vehicle you drive, where you live, your age, and the amount of coverage you choose. On average, drivers in the U.S. pay between $1,500 and $2,500 per year for full coverage auto insurance, though rates can vary significantly by state.
In Texas, average car insurance rates tend to be higher than the national average due to factors like weather-related claims and urban traffic density. That’s why comparing quotes from multiple carriers is so important — rates can differ by hundreds of dollars for the same coverage.
A-MAX makes it easy to find cheap auto insurance by comparing rates from multiple insurance companies, including Progressive, Kemper, and Foremost. Enter your zip code above to see how much you could save, or visit one of our 250+ locations in Texas and California for a free, personalized quote.
Affordable Auto Insurance Options Near You
Finding affordable auto insurance shouldn't be complicated. A-MAX Insurance has over 250 offices across Texas and California, and serves Arizona, Illinois, and Indiana through virtual offices — all staffed with licensed agents who can help you compare car insurance quotes from multiple carriers in one call, visit, or online quote.
Whether you’re looking for cheap car insurance with basic liability coverage or a full coverage policy with low deductibles, our agents will walk you through your options and help you find the best rate for your budget. You can also get a free auto insurance quote online or by calling 800-921-AMAX.
A-MAX partners with trusted insurance carriers to offer you competitive rates, so you can compare and choose the coverage that fits your needs without the hassle of calling multiple companies yourself.
Liability vs. Full Coverage Auto Insurance: What’s the Difference?
One of the most common questions drivers ask is whether they need liability or full coverage auto insurance. Understanding the difference can help you make the right choice for your situation and your budget.
Liability insurance covers the injuries and damages you cause to someone else or their property in an accident. Most states require at least minimum liability coverage, which includes bodily injury liability and property damage protection, for any registered vehicle on the road.
Full coverage auto insurance includes everything in a liability policy plus collision and comprehensive coverage for your own vehicle. This means your car can be repaired or replaced after an accident, theft, vandalism, or weather damage — minus your deductible. If your car still holds significant value, or if you’re financing or leasing, you’ll likely need full coverage.
A-MAX Insurance will help you customize your auto insurance coverage, find potential savings through discounts, and make sure you have the right protection for your needs and your budget.
Benefits of Auto Insurance
Financial Protection: Car insurance protects your assets in a car accident in which you hurt someone else or damage their property. It can also provide you with the money you need to fix your car when it has been damaged if you elect to carry physical damage protection on your car.
Peace of Mind: When you purchase auto insurance, you can rest easy knowing that you're covered in case of unexpected events.
Potential Discounts: Many insurance providers offer multi-policy discounts if you bundle your auto insurance with a homeowner's or renter's insurance policy. In addition, you may qualify for additional discounts that will make your car insurance more affordable and attainable.
Protection Against Fines and Penalties: Because most states require that a driver carries at least a minimum-required amount of bodily injury liability and property damage liability coverage, you can drive safely on the roads knowing that you are adhering to your state's laws. Driving without auto insurance can result in steep fines and penalties in all states.
Eligibility Requirements
Anyone who owns a vehicle is eligible for car insurance. You will need to provide the following information to get a quote that suits your budget and provides the protection you need on your policy:
Personal Information: You'll need to provide details such as your full name, address, date of birth, driver's license number as well as the names, dates of birth, and driver's license numbers for any other drivers in the household or who have access to your vehicle. You will also need to specify if you have been required to carry an SR-22, or financial responsibility filing, by a court or your state.
Driving Record Details: When applying for a new car insurance quote, you will need to disclose the dates, details of what happened, and the amount paid for any accident that you or any of the drivers that will be on the policy have had in the last five years. You will also need to disclose any moving violations the drivers have had in the last five years.
Vehicle Information: You will need to provide the year, make, model, and vehicle identification number for each of your vehicles as well as the way that you use the car, and the annual mileage that you put on each car.
Coverage Preferences: If you already have an active auto insurance policy, you can refer to the current coverages on your policy to get an "apples-to-apples" quote and select higher or lower limits based on what you're looking for. If you do not have car insurance, you should have an idea of how much liability coverage you need or want, the deductibles you will be comfortable paying out-of-pocket for physical damage on your own vehicle, and elect any optional coverages you may want or need.
Explore More Insurance Options from A-MAX
A-MAX Insurance offers more than just car insurance. Explore our full range of coverage options to protect what matters most:
Commercial Auto Insurance — Coverage for your business vehicles and fleet. Commercial Insurance→
SR-22 Insurance — Need an SR-22 filing? A-MAX can help you get back on the road quickly and affordably. Sr-22 Insurance→
Mexico Tourist Insurance — Driving across the border? Get covered before you go. Mexico Tourist Insurance→
Motorcycle Insurance — Protect your bike with coverage tailored to riders. Motorcycle Insurance→
Homeowners Insurance — Bundle your home and auto policies and save. Homeowners Insurance→
Renters Insurance — Affordable protection for your belongings. Renters Insurance→
Frequently Asked Questions
Yes. In almost every state, drivers are required to carry at least minimum liability coverage — including bodily injury liability and property damage liability — on any registered vehicle. Requirements vary by state, so check the laws where you live to make sure you’re properly covered.
Monthly car insurance costs depend on your driving history, vehicle type, location, age, and coverage level. On average, U.S. drivers pay between $125 and $210 per month for full coverage. A-MAX helps you compare quotes from multiple carriers so you can find the most affordable option.
Liability insurance pays for injuries and property damage you cause to others in an accident. Full coverage adds collision and comprehensive coverage, which helps pay to repair or replace your own vehicle after an accident, theft, or weather damage. If you’re financing or leasing a car, your lender will typically require full coverage.
If you have a full coverage policy that includes collision and comprehensive coverage, yes — your insurance company will help repair or replace your vehicle after an accident or covered event, once you’ve met your deductible.
The best way to find cheap auto insurance is to compare quotes from multiple carriers. A-MAX Insurance does this for you — we’ll collect your information and provide quotes from several top-rated insurance companies so you can choose the best coverage at a price that fits your budget. Get started online, by phone, or at any of our 200+ locations.
An SR-22 is a certificate of financial responsibility that your insurance company files with the state on your behalf. It’s typically required after certain violations like a DUI or driving without insurance. A-MAX specializes in SR-22 filings and can help you get covered quickly.
Some carriers offer low-deposit or no-deposit auto insurance options. A-MAX compares plans from multiple insurers, so our agents can help you find an affordable policy with flexible payment options that work for your budget.
If you use your personal vehicle for business purposes — such as making deliveries, transporting clients, or traveling between job sites — your standard auto insurance policy may not cover you in the event of an accident. In many cases, you'll need a commercial auto insurance policy or a business use endorsement to make sure you're fully protected. A-MAX offers commercial auto insurance options to help cover your business vehicles and work-related driving. Talk to one of our agents to find out which coverage is right for you.