Affordable coverage from 35+ carriers across the Rio Grande Valley, with
same-day SR-22 filings,bilingual agents, and Mexican auto insurance
written in-office for cross-border trips.
✅ Last updated: May 6, 2026
A-MAX serves the Rio Grande Valley through our McAllen and Brownsville offices and 35+ carriers, including non-standard carriers that work with drivers other companies decline. Cross-border to Reynosa, Matamoros, or Nuevo Progreso? We write Mexican auto insurance in-office, often same-day.
Texas minimum required: 30/60/25 liability coverage
Member cities: McAllen, Brownsville
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
Mexican auto insurance: Written in-office for short cross-border trips and longer stays
How to start: Online quote, call 1-800-921-AMAX, or walk into any A-MAX office in the Valley
The Rio Grande Valley is a tight border metro with a wide range of insurance situations. Some drivers are commuting daily on US-83, I-2, I-69E, or US-77 between McAllen, Pharr, Edinburg, Harlingen, and Brownsville. Some drive across the border every weekend for family in Reynosa, Matamoros, or Nuevo Progreso, and they need Mexican auto insurance the same day they head south. Some are picking up a teen driver. Some need an SR-22 yesterday. Some had a lapse last month and are getting back on the road. Whatever brought you to this page, you're probably looking for two things: a price that works on your budget, and someone who will actually pick up the phone.
That's how A-MAX has worked since 2002, and it's how we've grown to 200+ offices across Texas, including locations in McAllen and Brownsville. Our agents compare quotes from 35+ carriers, including non-standard carriers that work with drivers other companies decline, and we write Mexican auto insurance in-office for cross-border trips.
Walk in, call 1-800-921-AMAX, or quote online. Most customers leave covered the same day.
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, written in-office at every Valley location. Learn more →
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.
Rates across the RGV vary by city, ZIP, driver history, vehicle, and credit (where Texas law permits). The fastest way to know your real number is to quote: about 10 minutes online or by phone.
ZIP-level traffic congestion and accident rates. Denser ZIPs along US-83 / I-2 (the RGV expressway), I-69E, and the McAllen-Pharr-Edinburg corridor often carry higher base rates than outlying rural ZIPs.
Hurricane and severe-weather exposure. Gulf-coast proximity drives higher comprehensive premiums in storm-exposed ZIPs.
Cross-border driving patterns. Daily trips into Reynosa, Matamoros, or Nuevo Progreso don't change your US rate, but reminder: US auto policies don't cover driving inside Mexico (separate Mexican auto insurance is required).
Vehicle theft rates by ZIP. Some Valley ZIPs carry higher comprehensive premiums tied to local theft data.
At-fault accidents and tickets in the last 3 to 5 years.
Coverage gaps. A recent lapse adds risk to most carriers.
Credit-based insurance score. Texas permits credit-based scoring, so credit history can affect your rate.
For neighborhood-level color, see the city pages linked below.
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 →
A-MAX has multiple offices across the Valley. Pick your city for the full store list, hours, and directions:
Most Valley customers walk out with active coverage in under 30 minutes. To make it that fast, bring:
Don't have all of these? Come in anyway. Our agents will figure out what they can with what you bring.
Hablamos tu idioma. Todas nuestras oficinas tienen al menos un agente bilingüe.
Yes. RGV A-MAX locations write Mexican auto insurance every day, including same-day coverage for short trips across the border (Reynosa, Matamoros, Nuevo Progreso) and longer stays. Bring your current policy details to make the cross-border quote faster, or start online.
A-MAX has multiple offices serving the Valley, including locations in McAllen and Brownsville. Use the city list above to find the office closest to you.
We currently have city pages for McAllen and Brownsville, with offices serving drivers across Pharr, Edinburg, Mission, Harlingen, and San Benito. Each city page has its full store list, hours, and directions.
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.
Same day in most cases. Walk into any A-MAX office in the Valley, bind a policy, and we file the SR-22 electronically with TxDPS. Most filings go through within an hour.
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 including non-standard carriers that work with drivers other companies decline.
Yes. Most A-MAX policies can be set up on a monthly payment plan, often with a low down payment. The exact down payment depends on the carrier, the coverage, and your driving record.
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.
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 the Rio Grande Valley may differ from those listed on this page. Same-day coverage, SR-22 filing times, and Mexican auto insurance availability depend on carrier underwriting and state processing; your A-MAX agent will give you actual timing during your quote. This page is for general information about car insurance options in the Rio Grande Valley, Texas, and is not insurance advice. For a binding quote, contact an A-MAX agent.