Cheap Auto Insurance in Texas
Affordable coverage from 35+ carriers, same-day SR-22 filings,
and bilingual agents at A-MAX offices across Texas.
- 200+ A-MAX locations in Texas
- Bilingual service
- Same-day coverage available
✅ Last updated: May 6, 2026
Cheap car insurance in Texas: what to know
A-MAX Insurance serves Texas drivers through 200+ offices and 35+ carriers, including non-standard carriers that work with drivers other companies decline.
Texas minimum required: 30/60/25 liability coverage
Best for non-standard drivers: SR-22, suspended license, after-accident, after-DUI, lapsed coverage, high-risk
Same-day coverage: Available in most cases
SR-22 filings: Filed electronically with TxDPS, often within an hour
Bilingual service: English and Spanish at every location
How to start: Online quote, call 1-800-921-AMAX, or walk into any A-MAX office
Why Texas drivers choose A-MAX
Texas is a big state with a lot of different drivers and a lot of different insurance situations. Commuters, teen drivers, SR-22 cases, drivers coming back from a lapse, drivers who got dropped, drivers who never had a policy in their name. A-MAX is built for all of them.
We've been doing this since 2002. Today A-MAX partners with 35+ carriers, including non-standard carriers that work with drivers other companies decline. You don't have to be a perfect driver to get covered. You just have to walk in, call, or quote online.
Whatever brought you to this page, the path forward is the same: get a real quote in about 10 minutes, then decide.
Coverage we offer across Texas
Liability-only coverage. Texas state minimum (30/60/25). The most affordable option, often best for older or paid-off vehicles. Learn more →
Full coverage. Liability + collision + comprehensive. Required if you're financing or leasing. Learn more →
SR-22 filings. Court-ordered, DUI, license reinstatement. We file electronically with TxDPS, often within an hour of binding the policy. Learn more →
Insurance for unlicensed drivers. You can still get auto insurance in Texas without a current license. Learn more →
Non-owner insurance. Coverage when you don't own a car but still drive someone else's. Learn more →
Mexican auto insurance. Cross-border coverage for trips into Mexico. Learn more →
For Texas drivers dealing with...
If a court or TxDPS told you that you need an SR-22 to keep driving, we can file it the same day. Most filings go through within an hour of binding your policy.
You can still get auto insurance in Texas without a current license. Many drivers do, and it's usually a step toward getting your license back.
A suspended license doesn't have to mean no coverage. We work with carriers that insure drivers in this exact situation, often the same day.
Coverage lapsed last week, last month, or last year? Walk in, give us 20 minutes, and you can leave with a policy bound today. No judgment, no lecture.
An at-fault accident on your record makes most companies hike your rate or drop you. We work with carriers that don't.
A DUI on your record changes your insurance options, but it doesn't end them. Most A-MAX carriers will work with drivers in this situation, and we can often file the SR-22 the same day.
Credit history affects insurance rates in Texas where state law permits. We compare carriers that look beyond credit, so a rough patch doesn't have to mean an expensive policy.
If multiple companies have already declined or non-renewed you, A-MAX has carriers built for exactly this situation.
Adding a teen to your policy is one of the bigger rate increases most families face. We'll compare it across 35+ carriers to find the most affordable option.
First time getting your own auto insurance? An A-MAX agent will walk you through every choice. No insurance jargon.
Walk into any A-MAX location and most customers leave covered the same day. Bring your license, your VIN, and proof of any prior insurance if you have it.
Low down payment options and flexible monthly plans available across our locations. We'll find the carrier that fits what you can pay today.
How much does car insurance cost in Texas?
Rates in Texas vary by city, ZIP, driver history, vehicle, and credit (where allowed). The fastest way to know your real number is to quote: about 10 minutes online or by phone.
For neighborhood-level color, see the city pages linked below.
Texas minimum coverage vs. full coverage
Texas requires every driver to carry at least 30/60/25 in liability coverage:
$30,000 for injury or death of one person per accident
$60,000 for injury or death of two or more people per accident
$25,000 for property damage per accident
That's the legal minimum, but it doesn't cover damage to your car. If you owe money on your car, your lender almost always requires full coverage (which adds collision and comprehensive).
We can run both quotes side by side so you see the actual price difference for your situation. More on Texas minimum coverage →
Metros and cities we serve in Texas
Metro hubs
Top cities
¿Hablas español?
Hablamos tu idioma. Todas nuestras oficinas tienen al menos un agente bilingüe.
Texas Auto Insurance FAQ
Texas requires 30/60/25 liability coverage. $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 per accident for property damage. That's the legal minimum to drive.
Same day in most cases. Walk into any A-MAX office, bind a policy, and we file the SR-22 electronically with TxDPS. Most filings go through within an hour.
Yes. Most A-MAX customers in Texas leave with active coverage the same day they walk in or call. Bring your driver's license (or ID), your vehicle's VIN, and proof of any prior insurance if you have it.
Yes, Texas allows credit-based insurance scoring.
A-MAX serves Texas through multiple offices. Use the metro and city pages below to find the closest one.
Yes. A-MAX is built for non-standard auto: SR-22, suspended license, no prior insurance, lapsed coverage, after-DUI, after-accident, and high-risk. We compare 35+ carriers.
Sí. Cada oficina de A-MAX tiene al menos un agente bilingüe. Llama al 1-800-921-AMAX ahora y habla con alguien en español.
You can verify Texas minimum coverage and insurance regulations with the [Texas Department of Insurance](https://www.tdi.texas.gov/). For A-MAX licensing details, contact us.
Get a quote today
Online quote: Get my quote (about 10 minutes) . Call: 1-800-921-AMAX . Walk in to any A-MAX location. Most customers are in and out in under 30 minutes with active coverage.
Disclaimer. Specific carriers, products, and discounts available in Texas may differ from those listed on this page. Coverage is subject to underwriting approval and is not guaranteed. This page is for general information about car insurance options in Texas and is not insurance advice. For a binding quote, contact an A-MAX agent.