AMAX Insurance (A-MAX) is a Texas-based independent insurance agency, not an underwriting carrier, founded in 2002 and headquartered in Dallas. It runs a large network of neighborhood storefronts and specializes in affordable minimum-coverage and nonstandard auto insurance, including SR-22 filings, for drivers who are hard to insure elsewhere. Because AMAX shops your policy across more than 35 carriers rather than issuing coverage itself, here is an independent look at what AMAX does, its estimated rates, and how it compares in 2026.
AMAX Insurance is an independent auto-insurance agency, meaning it sells and services policies underwritten by other companies rather than carrying its own risk. Founded in 2002 in Dallas, it has grown to more than 200 storefront offices, concentrated in Texas markets such as Dallas-Fort Worth, Houston, San Antonio, Austin, El Paso, and the Rio Grande Valley, with a smaller presence in California, Arizona, Illinois, and Indiana. AMAX positions itself around affordable, minimum-coverage auto insurance and nonstandard risks, including drivers with SR-22 requirements, suspended licenses, lapsed coverage, prior accidents, or no prior insurance. It shops each customer across more than 35 carriers, files SR-22s electronically with the Texas DPS, and staffs bilingual English and Spanish agents at every office. Because AMAX is an agency, it does not carry an AM Best financial-strength rating of its own; that rating belongs to whichever carrier ultimately writes your policy.
Independent market estimates based on NAIC rate filings and state insurance department data. Not provided by or endorsed by AMAX. Actual rates vary by state, ZIP, and individual profile.
| Driver profile | Est. annual premium | vs. market avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$1,540/yr | Near TX avg. | Texas premiums run above the U.S. average |
| Single accident (3 yrs) | ~$2,180/yr | Above avg. | Shopped across nonstandard carriers |
| DUI on record | ~$3,150/yr | Above avg. | SR-22 filed same day with TxDPS |
| Young driver (18–24) | ~$3,020/yr | Above avg. | Minimum-liability option keeps cost down |
| Senior driver (65+) | ~$1,470/yr | Near avg. | Liability-only 30/60/25 available |
| Lower credit tier | ~$2,240/yr | Above avg. | Credit scoring applies where legal in TX |
ⓘ Source: NAIC filings and state regulatory data. Not quotes from AMAX. Verify pricing directly with the carrier or a licensed agent.
AMAX's clearest strength is access for hard-to-insure Texas drivers. As an independent agency it shops more than 35 carriers, including nonstandard markets that turn away drivers with SR-22 requirements, suspended licenses, prior accidents, or no coverage history, and it can file an SR-22 with the Texas DPS the same day. Its large network of neighborhood storefronts and bilingual staff makes it easy to walk in, get a minimum-coverage policy, and drive legally quickly. The trade-offs follow from what AMAX is. It is a broker, not an underwriter, so it does not carry its own financial-strength rating and does not pay claims; the carrier behind your policy does. Its focus on low-cost and nonstandard coverage tends to mean lower limits and higher-risk pricing, and its footprint is heavily concentrated in Texas. That makes it worth comparing AMAX's quotes against other agencies and direct carriers before deciding.
AMAX is a practical option for Texas drivers who need affordable minimum coverage, an SR-22, or a policy after being declined elsewhere, and its storefront network and bilingual service make the process straightforward. Because it is an agency shopping other carriers rather than an insurer itself, the coverage and financial strength you get depend on the underwriting company behind the policy. Comparing AMAX against other carriers and agencies in your area is the fastest way to see where it lands for your profile.
Disclaimer: RateWire is an independent lead generation and comparison service and is not affiliated with, authorized by, endorsed by, or in any way officially connected to AMAX. All carrier names and trademarks are the property of their respective owners used solely for informational and comparison purposes. Rate figures are independent market estimates from publicly available NAIC and state regulatory data — not quotes from AMAX. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with the carrier or a licensed agent before purchasing.