Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • Amco Insurance provides commercial car insurance, motorcycle insurance, homeowners insurance, and renters’ insurance
  • Amco is located in Houston, Texas and provides insurance coverage to residents throughout the state of Texas
  • Every state has its own individual car insurance requirements and regulations as well as penalties for failing to comply with those requirements and regulations

What is Amco Auto Insurance? It is an insurance company loosely affiliated with the Allied subdivision of the Nationwide Mutual Insurance conglomerate that offers many types of insurance policies, much like other car insurance companies. This Amco car insurance review will answer all your questions about the company. You can use this information to decide if Amco is the right fit for you.

Whether you’re looking for something specific, like the Amco Insurance claims phone number, or just want general information on the company, we can help. We’ve put together this review so you can be more prepared while shopping around and comparing prices for your car insurance policy.

Before starting this Amco car insurance review, start comparing auto insurance quotes for free right now; just enter your ZIP code above to get started finding affordable car insurance near you.

How Can You Get Amco Auto Insurance Rates?

Are you asking yourself, “what are the best auto insurance companies?” Wondering what insurance company has the best auto rates? You’re not alone.

While cheap car insurance isn’t always the deciding factor when it comes to choosing an auto insurance policy, it’s usually one of the most important. You can look at the table below to get an idea of what you might pay for car insurance depending on how much coverage you decide to buy. The table shows the national average annual rates based on coverage levels. Be sure to compare these national average car insurance rates with Amco auto insurance quotes.

Average Annual Car Insurance Rates by Coverage Type
Types of Car Insurance CoverageAverage Annual Car Insurance Rates
Collision coverage$299.73
Comprehensive coverage$150.36
Full coverage$954.99
Liability coverage$516.39
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These are just guidelines. Actual rates for car insurance will depend on a variety of factors such as age, gender, driving history, and vehicle theft rates in your area, provided by the FBI.

If you’re looking for the lowest rate and want a quote from Amco, the best approach is contacting an insurance agent. They can advise you on different options and run quotes for you. If you don’t live in the state of Texas, agents can help you get quotes from other Allied or Nationwide insurance companies affiliates.

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What is Amco’s Availability by State?

At this time, it appears that Amco Auto Insurance is only available to residents of the state of Texas. It’s affiliated with Allied, which offers a broader range of insurance products in different states. The company’s only office location is in Houston at the following address:

  • Amco – Galleria
    888 W. Sam Houston Parkway S. Suite 188
    Houston, TX 77042
    (713) 771-2626

Most previous Amco Car Insurance Company locations have closed down, including Amco Car Insurance, Corpus Christi’s office, and the Amco Insurance location on Telephone Rd.

So if you’ve come to this article with the question, “Where is there an Amco auto insurance near me?” your only option is the Houston agency (or contacting the company online).

Amco provides insurance coverage in the Houston area as well as the entire state of Texas.

What Amco Auto Insurance Coverages Are Offered?

One of the first items on the agenda when purchasing your car insurance policy is to decide how much coverage you need. A car insurance policy is a contract between a driver and his or her insurance company.

Typically, it states that in exchange for a monthly premium paid by the driver, the insurance company will pay for losses, as defined by the insurance policy, in the event of an accident or some other form of property damage to the driver’s automobile. If you have liability insurance only, it will cover the other party’s damages up to the stated limits in the policy. If you choose more comprehensive coverage, your policy would cover your injuries or auto damage, again up to the policy limits.

Car insurance is mandatory in almost all 50 states and the District of Columbia.

Every state has its own individual car insurance requirements and regulations, and its own penalties for failing to comply with the state’s insurance requirements.

According to NOLO, the minimum state requirements for the state of Texas are as follows:

  • $30,000 for bodily injury liability per person injured in an accident you cause
  • $60,000 for total bodily injury liability when two or more people are injured in an accident you cause, and
  • $25,000 for property damage per accident you cause.

If you’re financing your vehicle, your loan company may require you to carry full coverage insurance. Otherwise, you’ll need at least the minimum amount of liability auto insurance required by the car insurance laws in your state of residence.

If you choose to purchase more than your state’s required minimum liability insurance, you’ll need to choose your coverage and deductible levels based on the amount of protection you want and what you can afford.

Amco Car Insurance provides a full range of personal automobile coverages including non-owners insurance SR-22 policies and high-risk driver policies. You can view them in the table below.

Car Insurance Coverage Offered by Amco
Types of Car Insurance CoveragesPurpose of Coveraged
Bodily injury liability coverageCovers bodily injury or death to third party passengers in the event of an accident for which the Amco policyholder is at fault
Medical paymentsPays for reasonable and necessary medical expenses, including ambulance services, hospitalization, emergency surgery, and diagnostic tests such as x-rays, up to the amount defined by the driver’s insurance policy in the event of an accident for which the Amco policyholder is at fault
Property damage liabilityPays the cost of damages sustained by a third party’s property up to the amount defined by the driver’s insurance policy in the event of an accident for which the Amco policyholder is at fault
Collision coveragePays for damages to the driver’s own vehicle in accidents for which that driver is at fault
Underinsured motorist coverageCovers the cost of property damage and medical payments respectively in the event that the Amco policyholder is involved in an accident caused by someone who is either uninsured or underinsured
Comprehensive coverageCovers the cost of damages to the Amco policyholder’s automobile no matter how that damage is sustained
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Most states require drivers to carry some combination of these coverages, but not all six. What is comprehensive car insurance? It’s insurance that covers the car should damage occur from natural forces. Keep scrolling to learn more about the auto insurance coverage options available to you.

What Are Amco’s Bundling Options?

Many car insurance providers offer different bundling options. Bundling your insurance refers to purchasing multiple policies from the same company. For example, you can purchase your car insurance policy as well as your life insurance from the same company if you choose. Most insurance companies offer a discount of anywhere from 5 to 25 percent if you choose to bundle.

Check out the video below to learn about the pros and cons of bundling your insurance policies.

Many companies offer multi-car discounts, also. You can think of this as a way of bundling as well, but in this case, you’re buying car insurance for multiple vehicles. Car insurance companies offer up to a 25 percent multi-car discount on combined policies.

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What Are Discounts Offered by Amco Car Insurance?

Generally, your car insurance discount options depend on what each provider has to offer, but many discounts are standard throughout the industry.

The table below shows some of the most common car insurance discounts available, an estimate of how much money each can save you, and the major car insurance companies that offer the discount. Be sure to check for these discounts when seeking out affordable Amco auto insurance.

Standard Auto Insurance Discounts Offered by Major Companies
Types of Car Insurance DiscountsSavings PercentagesCompanies Offering Discounts
Defensive driving discount10%–15%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers
Good student discount5%–25%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Homeowner discount3%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers
Low mileage/Low usage discountUp to 20%State Farm, Allstate, Travelers, Nationwide, Progressive
Military and federal employee discount8%–15%Geico, Esurance, USAA
Safe driver discount10%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Senior/Mature driver discount5%–10%Geico, Allstate, Liberty Mutual
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As you can see, it’s always a good idea to check with your insurance provider to see what types of discounts you may qualify for, as they can save you a lot of money on your car insurance.

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What Programs Are Available from Amco Car Insurance?

The company’s chief insurance product is car insurance, but that’s not all they offer. Amco provides commercial car insurance, motorcycle insurance, homeowners insurance, renters insurance, and business and commercial insurance.

Amco services its customers in a variety of ways. Customers have the option of visiting the physical location of the insurance agency, and customers can also request insurance quotes and policy service online on Amco’s website.

Amco was founded in Houston, Texas in 1987. At one time, Amco was the third fastest-growing company in the Houston metro area. It still employs over 800 people and has received an award for job creation in the region.

How to Cancel Your Amco Auto Insurance Policy

What should you do if you need to cancel your policy? You can watch the video below to get an idea of what to expect should you need to cancel your car insurance policy.

Keep reading to learn more.

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Is There a Refund?

Whether you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you choose to cancel a refundable policy in the middle of the policy cycle, you’ll receive roughly half of what you paid, assuming that you only paid for that cycle.

Since refund amounts may vary and depend on a variety of factors, you should always check with your insurance agent to see what factors apply to you.

How Do you Cancel?

You can cancel your policy at any time simply by contacting your insurance agent and letting them know that you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether you’re entitled to a refund of any policy premiums you’ve paid in.

When Can I Cancel?

You can cancel your policy at any time simply by contacting your insurance agent and letting them know that you’d like to cancel your policy. Once you’ve canceled your policy, any excess premiums will be refunded to you promptly.

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How to Make an Amco Car Insurance Claim

Unfortunately, at this time there is no way for an Amco policyholder to file a car insurance claim online. In the event that you need to file a claim, you must contact the company directly by one of the following methods:

  • Amco Car Insurance claims phone number: 1-713-771-2626
  • Amco Car Insurance fax number: 1-713-490-3214
  • Amco Car Insurance claims email: [email protected]
  • Utilizing the contact form on the Amco Car Insurance Website

Watch the video below to get an idea of what you can expect during the claims process.

Keep reading to learn more about Amco car Insurance.

What Are Amco Car Insurance Ratings?

While Amco is not accredited by the Better Business Bureau (BBB), it does not have reviews or complaints on the BBB website, either. The company is also not listed with A.M. Best’s Rating System, but you can find some Amco Insurance reviews and testimonials on the Amco website.

What’s the Bottom Line?

Amco insures motorists for either a six-month or a one-year term. The company will notify its policyholders when it’s time to make a payment or when a policy is about to expire. If you already have Amco car insurance rate quotes, make sure to compare rates from other companies to see what they offer before buying an Amco car insurance policy.

You know everything you need to know about Amco car insurance, and we hope that you’ll feel more confident in purchasing your policy. Which part of this guide was the most helpful for you?

Now that you’ve finished this Amco car insurance review, enter your ZIP code below and start comparing FREE car insurance quotes now.

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Frequently Asked Questions: Amco Car Insurance

In this section, we answer some of the most commonly asked questions about Amco car insurance. Some of the answers may have been covered in part or in full in the guide above.

#1 – Does Amco Insurance offer SR-22 insurance?

If you’ve had more than your fair share of traffic citations, automobile accidents, and/or car insurance claims, you may be considered a high-risk driver.

Normally, high-risk drivers are required to purchase SR-22 insurance, which isn’t available through all companies, so it may take some looking around to find coverage.

Amco Insurance does provide SR-22 insurance, but it can be expensive. The filing fee to get SR-22 insurance is only $15-$35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is steep.

Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541 a month.

#2 – What kinds of questions should I be prepared for when purchasing my car insurance policy?

When you apply for a car insurance policy, you’ll be asked a series of demographic questions such as your name, age, and sex. You’ll also be asked a variety of other questions aimed at assessing your risk as a driver.

Some of the things the insurance company will want to know about are your driving record, the type of vehicle you’re insuring, and whether you’ve had any tickets or accidents in the past.

Once this information is collected, the auto insurance company uses this data to assess your risk as a driver and determine your policy rates.

This is known as the underwriting process. By using this method of risk evaluation, car insurance companies can reduce their chances of losing money on issued policies. They’ll examine your risk factors and decide if they want to insure you, and if so, at what rate.

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#3 – Are there benefits to using an agent to purchase car insurance?

While it’s possible to buy your car insurance policy directly instead of through an agent, there are some possible downsides to doing so.

First of all, if you choose to go with a local agent, you’ll get the advantage of more personalized service. This experience is just not possible when you purchase directly from a large company. With a local agent, it’s possible that you may speak to the same person about your policy every time.

Many people believe that buying directly from the company can save them money by cutting out the figurative “middleman,” but this theory fails to take into account the large budget that these companies use for direct marketing.

This can even out the playing field when it comes to price, meaning that a local agent can often offer you the same prices you’d see when buying directly from a large insurance company.

#4 – How does adding drivers to my car insurance policy affect my rates?

Adding another driver to your car insurance policy means that your car will be spending more time on the road since a second person will be driving it. That alone is enough to raise your rates, but adding someone else to your car insurance policy also means that your rates will be affected by that driver’s perceived risk as well.

For example, adding a teenager to your policy can raise your car insurance rates drastically since teenage drivers are inexperienced, and car insurance companies see them as high-risk.

There are restrictions as to who you can add to your car insurance policy. Most companies will only allow you to add people in the same household.

Always check with your car insurance provider to see who you can add to make sure that whoever is driving your vehicle is covered on the policy.

#5 – Why would my provider cancel my car insurance policy?

Your car insurance provider may cancel your policy if you do any of the following:

  • Get your driver’s license suspended or revoked
  • Lie during the application process
  • Fail to pay your car insurance premium

Your car insurance company may also choose not to renew your policy if they determine you to be a high-risk driver.