Amtex Auto Insurance Review 2021

Amtex Auto Insurance

Auto Insurance Near Me

If you do not live in the Lone Star State then you might have not heard of Amtex Auto Insurance before. Amtex auto insurance only services the state of Texas

They have been serving the community for over 15 years and operate as independent locations. The Beaumont, TX location has an A+ BBB rating

Amtex offers online quotes, local agents and a skew of different coverages and add-ons to meet your needs. 

Amtex is a billungel (Spanish/English) insurance agency for those needing service is Spanish.  They even offer Mexico insurance products along with their Auto, Home, Renter, Motorcycle and commercial insurance. 

Amtex itself is not an insurance company but rather is an agency representing local insurance companies to help you find the best car insurance rates. 


Amtex Auto Insurance Pros

  • Local agents
  • Good insurance rates for the coverage
  • You can get an online quote and online payments
  • Good BBB rating

Amtex Auto Insurance Cons

  • Service fees
  • Customer service can vary in quality based on location
  • They do not have a mobile app

What Coverage Do Amtex Auto Insurance Offer?   

Liability coverage:

Liability insurance covers the cost of damages caused to property or causing injury caused from an at-fault accident. The legal required coverage is the state minimum, which in Texas is 30/60/25. $30,000 for bodily injury per person, $60,000 for bodily injury per accident, $25,000 for property damage liability per accident.

Each state minimums requirements are different and only New Hampshire does not have a state minimum. However in New Hampshire you are required to show proof of financial responsibility.


Collision coverage:

Unlike liability, collision coverage will cover damage to your car from an accident. These can include accidents with another vehicle or if you hit a tree.  

Did you know if you are leasing or financing a car your lender will most likely require you have collision coverage.  If you are leasing or financing your car we recommend taking a look at GAP insurance coverage

If your car is paid off then collision coverage is optional and not required by any state law.  You should consider the value and state of your car before adding any extra coverage which can increase your car insurance rates.  

Comprehensive coverage:

So what covers damages caused by a non-collision? Comprehensive

Comprehensive coverage also protects you against car theft, vandalism, fire, natural disasters.  

If you are driving on the road and you hit an animal and do not have comprehensive insurance then you would be on the hook for the cost of repairs. 

Like collision coverage, if you are leasing or financing your car, then this coverage might be required by your lender.

If you are not then this coverage is optional and you should see your Kelly Blue Book value. Your car value should be higher than 10x the annual cost of comprehensive plus collision coverage to get this coverage.


Uninsured or Underinsured Driver Coverage

Based on where you reside, you could be legally required to carry this coverage on your car insurance policy. The key to this coverage is covering costs due to other drivers not having or not having enough insurance. This is a situation you do not want to find yourself in, as it means you will have to cover all costs out of pocket.


Underinsured motorist coverage operates in the same manner and your insurance will cover cost in the event the other driver’s liability coverage is not sufficient. 

In some states, you could need to have personal injury protection instead of, or in conjunction  to, uninsured and underinsured motorist coverage.

Personal injury protection (PIP)

Personal injury protection, also known as PIP coverage or no-fault insurance, pays for medical expenses regardless who is deemed at fault. 

Some personal injury protection plans will also cover lost wages due to injuries. Based on your state PIP could be an optional available coverage or it might be required.  

Another advantage of PIP coverage is protection against injuries not caused when driving.  Let’s say you are going for a walk with your dog or on a bike ride and you get injured by a car. Based on where you live, you might be covered up to the limit you selected.  

To check if PIP coverage is required in your state, check the  Insurance Information Institute (III).

Amtex Insurance Locations

Amtex started in Houston over 15 years ago but it has expanded their service area.  Currently they are located in over 20 cities in Texas.  You can find 2 local offices in Houston. 


You can find the complete list below:

  • Alvin,TX
  • Alice, TX
  • Baytown, TX
  • Beaumont, TX
  • Bridge City, TX
  • Corpus Christi, TX
  • Dallas, TX
  • Eagle Pass, TX
  • El Paso, TX
  • Free Port, TX
  • Fresno, TX
  • Fort Worth, TX
  • Harlingen, TX
  • Humble, TX
  • Kingsville, TX 
  • Laredo, TX
  • MacAllen, TX
  • New Caney, TX
  • Odessa, TX
  • Pasadena, TX
  • Pharr, TX
  • Port Arthur, TX
  • Rio Grande, TX
  • Roma, TX
  • Rosenberg, TX
  • San Antonio, TX
  • Stafford, TX
  • Tomball, TX
  • Waco, TX
  • Weslaco, TX

How Do I Get A Quote From Amtex Insurance Claims?

There are multiple ways you can get a quote from Amtex.  You can visit it on their physical location.  Agents can help you with your coverage needs and give you a quote. 

You can also call them directly at 1-866-MY-AMTEX to get a quote on the phone.

The most convenient way might be to get a quote using their online tool.


What Do They Need To Give Me An Online Quote? 

The Amtex online tool will use the information provided to get you the best quote and the different coverages.  Rates will vary based on the information provided.  

Be prepared to provide the following information:

  • Name
  • Address
  • DOB
  • Phone Number
  • Driving History
  • Vehicle Information (Year, Make, Model)
  •  Insurance History

How Do I Submit An Amtex Insurance Claims?

Since Amtex is not an insurance company, you cannot submit your claim directly with them.  

According to their website you need to submit any claims directly with your insurance company.  You can visit their site for a complete list of their insurance partners. You can also give them a call if you need help.

Each insurance company handles their claims process a little different but we recommend having the following handy:

  • Date and location of accident
  • Name and contact information of all parties involved in the accident
  • Do not forget to get name and contact information if they are any eyewitness  
  • Pictures of the accident and any damages( if available)
  • Police report (if applicable)
  • Insurance policy number of all parties involved in the accident
  • VIN and license plate number of cars involved

How Do I Pay My Amtex Insurance?

Amtex offers three ways to pay for your policy:

Pay Online

  • If you pay online you will be asked to provide more information. You will need to provide address, VIN and license number


  • You can visit on of your local independent agent offices

By Phone

  • You can call in to get help on payment

Their website also has an interactive chat tool.  Unlike many sites you can chat with a real person and not an automated chatbot.

Does Amtex Auto Insurance Have Good Customer Service?

According to our research the company has a very good BBB rating.  We did not find many complaints.  The ones we did find were resolved helping the company maintain an A+ BBB rating.

They also allow users to leave reviews and feedback.  The majority of the comments and reviews are positive.  

The common complaint we found is customer service can vary from one location to another. This is to be expected as each location is independent.

A quick Google search also shows they have a solid online reputation with a Google rating of 4.8/5.


What Do We think of Amtex Auto Insurance?

If you like dealing with a company that is local and having an agent that understands your neighborhood Amtex is for you.  

Though they are not an insurance company, they represent and work with many insurance companies.  This allows them to try and get you the best rates and coverages.  Just please remember this service is not free and they charge a small agency fee over your insurance premiums.

They also have some cool perks such as offering Mexico Insurance.  This coverage will protect you if you are driving in Mexico and get into an accident. 

Overall Verdict:  We recommend Amtex Auto Insurance.  

If you are interested in finding more options you can get a Free Online Quote with our online tool.