A-Max Auto Insurance Review

With competitive rates and impressive customer satisfaction, A-Max Auto Insurance is a strong choice for Texans who want cheap car insurance. However, the company has a few downsides that could give drivers pause if they’re considering getting policies.

After reviewing the country’s best car insurance companies, our team found that A-Max Auto Insurance doesn’t provide much information about the insurers it works with online. To get details on the insurance companies and coverage available through A-Max, drivers must reach out for free quotes.

Key Points

• A-Max is an insurance broker, helping connect Texas drivers to the right policy.
• The company doesn’t have a very large variety of insurance coverage options.
• The best way to get a quote from A-Max is to call one of its agents.

A-Max Auto Insurance Review

We evaluated A-Max Auto Insurance on its overall costs for different driving profiles, its coverage options, its service towards customers and its reliability, according to company evaluators like the Better Business Bureau (BBB).

A-Max Insurance Ratings

We give A-Max Auto Insurance 4.0 stars out of 5.0 overall. The company’s low premiums and caring insurance agents make it a solid choice for finding car insurance in the state of Texas.

*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.

Is A-Max Auto Insurance Good? 

A-Max is a relatively good insurance agency, but doesn’t have many customer reviews due to its smaller size as a company. Since A-Max acts as a connector between drivers and other insurance providers, the company helps drivers find the best prices for car insurance policies. That’s largely why our reviews team gives A-Max Auto 4.0 out of 5.0 stars.

Pros And Cons Of A-Max Insurance

Available in: Texas

Founded in: 2002

Coverage: Auto, motorcycle, boat, RV, home, renters, commercial

A-Max Company Overview

A-Max Auto Insurance is an insurance agency that helps pair drivers with auto insurance companies that are more affordable and accessible. A-Max offers auto coverage, home insurance, renters insurance, commercial coverage, surety bonds, and more.

About A-Max Auto Insurance

A-Max Auto Insurance has been connecting Texans with insurance carriers for almost two decades. The Dallas-based insurance agency enjoys a reputation for quality service and below-average premiums, but it’s challenged by limited financial resources and few coverage choices.

A-Max Auto Insurance doesn’t have a financial strength rating from AM Best. This is likely due to the company’s small size and the fact that it isn’t a direct provider.

How Does A-Max Auto Insurance Stand Out?

A-Max Auto Insurance is different from the majority of car insurance companies because it’s a broker. It matches drivers up with the best possible auto insurer to meet those drivers’ needs, whether that be finding the right kinds of coverage to finding the cheapest insurance costs possible. A-Max is good for drivers who would have a harder time finding affordable car insurance, like those with DUIs or too many at-fault accidents on their records.

A-Max Auto Insurance Reviews

BBB Rating: A+
J.D. Power customer satisfaction index: N/A
Trustpilot rating: N/A

A-Max Auto Insurance receives overwhelmingly positive reviews. However, average customer ratings for the company’s branches range from 3.3 to 4.9 out of 5.0 stars on Google, so your experience could depend on your location. The company holds an A+ rating from the BBB.

Positive A-Max Auto Insurance Reviews

Satisfied customers praise A-Max Auto Insurance for its professional representatives and for offering some of the cheapest car insurance in Texas.

“A-max people are very helpful and kind. Helped me save money and are very understanding.”

– Gene F. via Google

“People are friendly and try to get you the best rates possible. I highly recommend them if you are on a budget and need good insurance.”

– Mohammed K. via Google

Negative A-Max Auto Insurance Reviews

Relatively few customers speak negatively about A-Max Auto Insurance, but those who do usually mention long waits when calling the company’s phone number and inadequate pricing.

“You are better off getting insurance elsewhere if you can. It’s also best to go in person or you’ll be put on hold for a long time. I never felt like I was getting a good deal.”

– Ysenia S. via Google

“Finance company could not get anyone [from A-Max] to call back [to validate my car insurance], needless to say they sent my contract back to the dealership, and had to return the car.”

– Jerry H. via Google

A-Max Car Insurance Coverage

A-Max Auto Insurance doesn’t offer many coverage options, so if you’re hoping for insurance types beyond the basics, the company likely won’t fit your needs. A-Max offers the standard types of insurance that constitute a full-coverage policy, as well as a couple of optional add-ons like towing coverage and roadside assistance. 

You may want to look elsewhere if you’d like an insurance policy that includes guaranteed asset protection (also called gap insurance) or other additional policy types. The table below shows the types of coverage available through A-Max and what each covers.

Type of Coverage	Description
Liability	Bodily injury (BI) liability insurance pays the medical expenses for other drivers and their passengers after an accident where you’re at fault. Property damage (PD) liability insurance covers the damages to other drivers’ vehicles after an accident where you’re at fault
Collision	Collision insurance pays for damages to your vehicle from a collision with another vehicle or a road hazard.
Comprehensive	Comprehensive insurance pays for damages to your vehicle from animals or natural disasters. It also covers theft and vandalism.
Medical payments coverage (MedPay)	MedPay covers medical bills for you and your passengers after an accident.
Personal injury protection (PIP)	PIP also covers medical bills for you and your passengers after an accident. Additionally, PIP can cover lost wages.
Underinsured/uninsured motorist coverage (UIM/UM)	Uninsured/underinsured motorist coverage covers your property damages (UMPD/UIMPD) and bodily injuries (UMBI/UIMBI) for you and your passengers when you’re in an accident with a driver who is underinsured or doesn’t have any insurance.

A-Max Car Insurance Cost

A-Max Auto Insurance works as a middleman of sorts, getting auto insurance quotes from more than 20 providers to help drivers find the lowest possible premiums. Because of this, you can expect to find affordable rates through A-Max.

If you work with A-Max, your actual provider will be a different car insurance company. If that’s fine with you, you may be able to get lower rates through A-Max.

A-Max Car Insurance Discounts

Because A-Max Auto Insurance acts as a broker, its website doesn’t mention specific discounts available from the insurers it works with. 

Some of the most common across the industry include safe driver discounts, safety feature discounts, multi-car discounts, homeowners discounts, and discounts for bundling policies such as auto with homeowners insurance or renters insurance. However, there’s no guarantee A-Max Auto Insurance offers these.

Factors That Affect Car Insurance Rates

No matter what provider you choose, certain factors will impact how much car insurance is going to cost you. Some of the most significant ones are below:

• Location: Those living in major cities–like Houston, Dallas-Fort Worth, and San Antonio–will likely pay more than residents of rural areas.
• Age and gender: Young men face expensive car insurance rates, though prices start to decrease when drivers hit age 25.
• Marital status: Singles get into more car accidents than married motorists, so they’re charged higher premiums.
• Credit score: The lower your credit score, the higher your car insurance premium.
• Driving history: Drivers with car accidents and DUIs on their records receive far higher auto insurance premiums than most others.
• Vehicle type: New cars, models popular with car thieves, and unsafe vehicles cost more to insure.

A-Max Home Insurance

A-Max provides protection for a multitude of housing types, such as mobile homes, modular homes, town homes, condos, single family homes, and multi-family homes. Policyholders can get access to the following types of coverage through A-Max homeowners insurance:

• Dwelling coverage: Covers the repairs or rebuilding of your home, including repairs for plumbing, heating, air conditioning, and electrical wiring
• Personal property coverage: Covers personal items in your home, like furniture, clothing, sporting goods, and electronics
• Loss of use coverage: If you have to move out of your home while repairs are being done, this covers your temporary housing and living expenses
• Other structures coverage: Covers damages to detached structures like garages, fences, sheds, and cottages
• Liability insurance: Covers legal defense costs and your assets if you or your family members cause injuries or property damages to other people or their property

A-Max Car Insurance: Conclusion

A-Max is a good choice for those looking for cheaper auto insurance costs. Before choosing A-Max Auto Insurance or another provider, compare car insurance options to make sure you’re getting the best rates and coverage.

Other Recommendations For Car Insurance

Below, we’ll look at two companies that offer strong reputations and stable financial records.

Geico: Best For Discounts

Geico is one of the most popular auto insurance providers thanks to its wide variety of coverage options and below-average rates. In addition to the standard types of insurance coverage, Geico also offers add-on options like mechanical breakdown insurance, roadside assistance, and rideshare insurance. Thanks to Geico’s numerous car insurance discounts, drivers can save even more on coverage.

USAA: Best For Military Members

San Antonio-based USAA is one of the most affordable auto insurance companies on the market. The company offers full-coverage policies well below the national average and has a reputation for an easy claims process. However, only military members, veterans, and their families can get insurance services from the provider. Still, USAA is hard to beat for those who qualify for its coverage.

A-Max Auto Insurance Reviews: FAQ

Here are the most frequently asked questions on A-Max Auto Insurance:

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

• Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.