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Amtex Auto Insurance Guide: Coverage, Cost & Claims
Quick Summary
Amtex Auto Insurance is how many Texas drivers search for auto coverage through Amtex Insurance, which describes itself as an insurance agency that shops multiple carriers. That distinction matters: your policy, price and claim rules come from the insurance carrier you are placed with, while Amtex helps you compare options and get covered. This guide explains how Amtex Auto Insurance works, what coverage to ask about, how pricing is set, how claims are handled, and how to contact Amtex. It is an educational overview, not a customer service review.
Table of Contents
Table of Contents
1. Amtex Auto Insurance Overview
Is Amtex an Insurance Company or an Agency?
Amtex calls itself an insurance agency, not an insurer. Its website says it shops multiple carriers for rates, and it points customers to the carrier for claims. When you buy Amtex Auto Insurance, the policy is written by one of those carriers, so read the policy documents to see who the insurer is.
Background and Locations
Amtex’s about page says it was founded in 1999 as a small family business and says it has 85+ locations. Its location page lists offices across Texas, including Houston, Dallas, Fort Worth, Laredo and Alice. The company’s site does not state who owns it today.
undefined| Product | Notes |
|---|---|
| Auto insurance | Quotes start with a ZIP code on the homepage |
| Home and renters insurance | Listed on the site navigation |
| Commercial insurance | Business coverage |
| Motorcycle insurance | Listed on the site navigation |
| Mexico insurance | For driving across the border |
| Life insurance | Listed as “coming soon” |
Source: Amtex Insurance website (amtexinsurance.com), checked November 2026. Products can change, so confirm what is available before you apply.
2. Coverage to Ask About
Because Amtex works with multiple carriers, ask each quote for the same list of coverages so you can compare like with like.
Liability Coverage
Liability pays for injuries and property damage you cause to others. The Texas Department of Insurance says Texas requires at least 30/60/25 limits, meaning $30,000 per person and $60,000 per accident for injuries, and $25,000 for property damage. The same guide says to think about buying more, because the minimums can fall short in a serious accident.
Collision and Comprehensive
Collision pays to repair your own vehicle after a crash, and comprehensive covers events such as theft and weather. Lenders often require both on a financed car, and your deductible decides how much you pay first.
Uninsured Motorist and Medical Coverage
Uninsured and underinsured motorist coverage helps if the other driver has no insurance or too little. Personal injury protection or medical payments coverage helps with medical bills after a crash. Ask whether each is included or optional on every quote.
Other Vehicles
If you also ride a motorcycle, see Custom Motorcycle Insurance: Coverage, Rates & How to Protect a Modified Bike for what to ask about on a separate policy.
3. Cost and Pricing
What Affects Your Rate
Amtex does not publish a flat price for Amtex Auto Insurance, because the premium comes from the carrier and depends on your driving record, vehicle, location, age, coverage limits and deductible. The only reliable way to see your rate is to request a quote.
How to Get a Quote
Amtex’s homepage lets you enter a ZIP code and start a quote, and the site says you can also get covered by phone or in person. Because the agency works with several carriers, ask for at least two options with identical limits and deductibles.
How to Compare Offers
Compare the monthly price, the total cost over the policy term, the deductible and the exclusions. Check the carrier’s financial strength and complaint record too. Our Auto Insurance Guide (2026): How to Lower Your Premiums explains coverage types and how to compare quotes step by step.
4. Claims Process
Who Handles Your Claim
Amtex’s claims page says to contact your insurance carrier directly. You find your carrier in its carrier directory and use that carrier’s “File a Claim” link or phone number. Amtex says its agents can help you understand the process and connect you with your carrier.
Steps After an Accident
Make sure everyone is safe and call emergency services if anyone is hurt. Photograph the scene and the damage, collect the other driver’s details, and report the claim to your carrier as soon as you can. Keep copies of the claim number, repair estimates and anything you send.
If You Have a Problem With a Claim
If you cannot resolve an issue with the carrier, you can contact the Texas Department of Insurance, which handles consumer complaints about insurers and agents.
5. Locations and Customer Support
Phone and Hours
Amtex lists (866) 692-6839, also written as 1-866-MY-AMTEX. Its site shows Monday to Friday 9 a.m. to 6 p.m. and Saturday 10 a.m. to 3 p.m. Central Time. Confirm the hours before you call, since they can change.
Payments and Account Access
Amtex says its online portal offers one-time or recurring payments. Use the links on the official site only, and do not enter payment details on a page you reached through a search ad or a message you did not expect.
Find a Local Office
Its locations page lists offices throughout Texas, with the most in Houston. If you prefer to buy in person, check the page for the branch nearest you and call ahead to confirm its hours.
6. Amtex Auto Insurance FAQs
What is Amtex?
Amtex Insurance is a Texas insurance agency that offers auto, home, renters, commercial, motorcycle and Mexico insurance through multiple carriers.
Is Amtex Auto Insurance an insurance company?
No. Amtex describes itself as an agency. The insurance company that issues your policy is the carrier named on your policy documents.
Who owns Amtex?
Amtex’s website says it was founded in 1999 as a small family business, but it does not state who owns the company today. Contact Amtex if you need to confirm.
How do I file a claim with Amtex?
Contact your insurance carrier directly. Amtex’s claims page lists carrier links and numbers, and Amtex agents can help connect you with your carrier.
How do I pay my Amtex Auto Insurance bill?
Amtex says you can make one-time or recurring payments through its online portal. Your carrier may also offer its own payment options.
How do I change or cancel an Amtex Auto Insurance policy?
Changes and cancellations follow your carrier’s policy terms. Contact your Amtex agent or the carrier, and ask how any refund of unused premium is calculated before you cancel.
What is the minimum auto insurance in Texas?
The Texas Department of Insurance says Texas requires 30/60/25 liability limits: $30,000 per person and $60,000 per accident for bodily injury, and $25,000 for property damage.
Is AmTrust the same as Amtex?
No. AmTrust is a separate company. Check the name on your policy and the phone number you call so you reach the right business.
7. Conclusion
Amtex Auto Insurance is best understood as a way to shop several carriers through a Texas agency. The agency helps you find a policy, but the carrier sets your coverage and handles your claim. Before you buy, ask for matching quotes, confirm which carrier will insure you, and keep the carrier’s claims number with your policy.
Disclaimer: This information is provided for general educational purposes only and does not constitute professional insurance, legal, or financial advice. Insuria Insights is an independent website and is not affiliated with, endorsed by, or sponsored by Amtex Insurance or any insurance carrier. Rates, coverage, hours and availability vary by carrier and change over time. Always confirm current details with Amtex, your carrier, the Texas Department of Insurance, or a licensed insurance professional before making coverage decisions.
