Car Insurance for Bad Credit in Texas: Credit Is Not a Dealbreaker

Bad credit does not stop you from getting covered in Texas. A-MAX shops 35+ carriers to find a rate that works and a payment plan that fits. Enter your zip code below to compare quotes in about 10 minutes.

How credit affects your car insurance in Texas

A-MAX helps Texas drivers with bad or poor credit get covered, shopping 35+ carriers to find an affordable rate and a payment plan that fits your budget. As an independent agency, A-MAX treats your credit as one factor among many, not a dealbreaker, and works with drivers other companies turn away. You can get a quote in about 10 minutes and start coverage the same day, online, by phone, or at a local office.

In Texas, insurers may use a credit-based insurance score as one of several factors when setting your rate, alongside your driving record, coverage, and vehicle. A lower score can raise your premium, but it does not stop you from getting covered. Because each carrier weighs credit differently, the same driver can get very different prices from different companies, so comparing carriers is the single best way to keep your rate down when your credit is not perfect.

Get Covered In Texas

Amy V. ⭐⭐⭐⭐⭐

We are super satisfied with the service we get from Stephanie every time we need a quote, make a payment or even just a simple question…She is super friendly very professional and did I mention very thorough about any information she gives us. I feel like she always goes above and beyond no matter what service we need.Thank you Stephanie we need more people like you in the customer service world!

Nate P. ⭐⭐⭐⭐⭐

Lindsey was absolutely amazing, she stayed on the phone with me until the whole process was complete and was very polite! Also, the rates are unbeatable!!! I would put 10 stars if I could but I guess I'll just highly recommend them!

Abelia C. ⭐⭐⭐⭐⭐

Vanessa had helped me with a quote and getting started on insurance, she was extremely helpful and gave me an awesome deal!! She was super polite and beyond helpful!!

Miguel C. ⭐⭐⭐⭐⭐

Great customer service! Immediate quote with the best prices in town. I had have them for about six years now and they are always eager to help and give you the best deal.

Richard L. ⭐⭐⭐⭐⭐

I have been with them for more than 8 years I have not had any problems very good company!

Lejoan B. ⭐⭐⭐⭐⭐

Angelica helped with my full coverage insurance in under 20 mins I was all set. Thanks again I’ll be recommending.

Ametrus B. ⭐⭐⭐⭐⭐

If you just need liability insurance, this is the go to place. Lowest prices in town. Friendly agents to work with.

How to get a better rate with bad credit

Compare carriers. Each company weighs credit differently. A-MAX shops 35+ carriers so one company's view of your credit does not decide your price.

Choose the coverage you need. A liability policy that meets the Texas minimum of 30/60/25 costs less than full coverage. You can add collision and comprehensive when it makes sense.

Stack your discounts. Multi-vehicle, safe-driver, and defensive-driving-course discounts can help offset a credit-related increase.

Use monthly payments. A-MAX offers monthly plans with a low down payment so you can start without paying the full term up front.

Revisit your rate over time. As your credit improves, A-MAX can re-shop your policy for a better price.

Texas drivers A-MAX helps

A-MAX is a non-standard specialist, which means we work with drivers other companies turn away:

Drivers with bad or poor credit, or no credit history

Drivers with tickets, at-fault accidents, or a DUI

Drivers with a lapse in coverage or no prior insurance

Drivers who need an SR-22 filed with TxDPS

Why get covered with A-MAX in Texas?

A-MAX has been an independent agency since 2002, comparing 35+ carriers and 400+ plans so one company's view of your credit does not set your price. With 200+ offices across Texas, you can handle it in person, by phone, or online, with no judgment. Compare auto insurance options or start below.

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Call 1-800-921-AMAX

Frequently asked questions

Can I get car insurance in Texas with bad credit?

Yes. A-MAX works with drivers who have bad or poor credit and shops 35+ carriers to find an affordable rate. Credit is one factor in your price, not a reason you cannot get covered.

Does bad credit raise car insurance rates in Texas?

It can. Texas insurers may use a credit-based insurance score as one of several rating factors, so a lower score can raise your premium. A-MAX compares carriers to find the one that treats your credit most favorably.

Can I get cheap car insurance with bad credit?

A-MAX shops 35+ carriers to find an affordable rate on price and offers monthly plans with a low down payment. Your exact rate depends on your credit, driving record, and coverage.

Will my rate improve as my credit gets better?

Often, yes. As your credit-based insurance score improves, A-MAX can re-shop your policy and look for a lower rate.

How fast can I get covered?

In most cases the same day. You can complete a quote and start your policy online, by phone, or at a local office in about 10 minutes.