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

Bad credit does not have to keep you off the road in Houston. 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 Houston

Bad credit in Houston does not have to keep you off the road: A-MAX shops 35+ carriers for an affordable rate and a payment plan that fits your budget. As an independent agency, A-MAX counts your credit as one factor among many, never a dealbreaker, and works with drivers other companies turn away. A quote takes about 10 minutes and you can start coverage the same day, online, by phone, or at our office on Airline Drive in Houston.

Credit is one of several things Texas insurers may weigh when they price a policy, along with your driving record, your coverage, and your vehicle. A lower credit-based insurance score can raise your premium, yet it does not shut you out of coverage. Because carriers score credit so differently, one company's price can be far off another's, and that is exactly why shopping carriers pays off when your credit is not perfect.

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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 in Houston

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.

Houston drivers A-MAX helps

As a non-standard specialist, A-MAX works with the 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

Local Houston offices

A-MAX has 200+ offices across Texas, and Houston drivers can quote and start a policy online, by phone at 1-800-921-AMAX, or in person. From Houston itself out to Aldine, Bellaire, Galena Park, South Houston, and Stafford, A-MAX covers drivers across Harris County. A few Houston locations:

5312 Airline Drive, Houston, TX 77022 | (713) 951-9000

5180 Aldine Mail Route Road, Houston, TX 77039 | (281) 590-1500, serving Aldine and Atascocita

5417 Antoine Drive, Houston, TX 77091 | (713) 956-0000

10100 Beechnut Street, Houston, TX 77072 | (281) 879-4000, serving Stafford

14498 Bellaire Boulevard, Houston, TX 77083 | (281) 498-5555, serving Cinco Ranch, Mission Bend, Pecan Grove, and Stafford

5510 Bellaire Boulevard, Houston, TX 77081 | (713) 661-4000, serving Bellaire and West University Place

9301 Bissonnet Street, Houston, TX 77074 | (713) 774-5100, serving Stafford

9828 Blackhawk Blvd, Houston, TX 77075 | (713) 991-1400

A-MAX has additional locations across Harris County as well. Use Find an Office to see the one nearest you, or browse auto insurance in Houston.

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Frequently asked questions

Can I get car insurance in Houston 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 A-MAX check my credit for a car insurance quote?

Carriers may use a credit-based insurance score as one factor when they price a policy. A-MAX cannot promise a carrier will skip that, but we compare companies to find the one that treats your credit most favorably.

Can I get cheap car insurance in Houston 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.

Where can I get covered in Houston with bad credit?

You can start online, by phone at 1-800-921-AMAX, or in person at an A-MAX office in Houston, such as 5312 Airline Drive. A-MAX shops 35+ carriers and treats your credit as one factor, not a dealbreaker, so you can often be covered the same day.