If you’re a driver in Texas or California in the market for car insurance, you may have heard of Amco Auto Insurance. The third-party insurer has been in business for more than 30 years. Based in Houston, Amco provides insurance options for cars, homes, businesses, boats, and motorcycles.

We’ve researched over 30 of the nation’s best auto insurance companies and evaluated these companies based on coverage, financial strength, customer service, cost, and technology. In this article, we’ll dive into the cost, discounts, and customer service Amco Auto Insurance provides to give you all the information you need to decide if Amco is a good fit for your lifestyle and vehicle.

To start, we recommend comparing the best quotes in your area. Use this easy tool to see your personalized picks:

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Amco Auto Insurance Review

Our team rated Amco auto insurance 3.0 out of 5.0 stars due to their lack of availability and few discounts. Amco insurance company claims to have fair rates for car insurance and higher levels of privacy and security than other, larger insurance providers. While it does have a great reputation, Amco car insurance is not available in 48 states and is only available in Texas and California. Below we go into more detail about our rating and the pros and cons of Amco insurance.

Overall Rating3.0
Industry Standing4.0
Cost and Discounts3.0
Customer Service3.0

Amco Auto Insurance Pros & Cons

Pros Amco is an independent insurance provider. The company has generally affordable auto insurance rates. Customers can manage policies online and with an app. Local insurance agents are available over the phone 24/7. Amco has big-name partners in-network, like Progressive.
Cons Amco insurance is only available in Texas and California. Customer reviews complain about the quality of customer service. Amco has an outdated website. Amco doesn’t offer ridesharing coverage.

About Amco Insurance Company

Amco Insurance Company is a third-party insurance provider that acts as the “middleman” between motorists and direct providers. This takes the work out of comparing rates from multiple companies, but you’ll probably want to look at insurance providers outside of Amco’s network as well to paint a more complete picture of what’s out there.

Amco Insurance Rating

The company’s BBB rating is an A+, and AM Best gives Amco an A+ financial strength rating as well. Amco auto insurance has positive reviews from industry experts like the Better Business Bureau (BBB) and AM Best, which take into account everything from customer reviews to the transparency of the company’s business practices.

Amco Auto Insurance Coverage

Amco offers full coverage and just liability for Texas and California drivers. The types of auto insurance coverage options offered by the company include:

Coverage TypeDetails
Liability (BI/PD)The state minimum liability auto insurance required in Texas is 30/60/25. That breaks down to: -$30,000 bodily injury liability required per person -$60,000 bodily injury liability required per accident -$25,000 property damage liability required
CollisionThis coverage will help you pay for repairs to your car after an accident. Collision insurance could even help you get a new vehicle if yours is a total loss. With Amco Auto Insurance, you can choose between: -Actual cash value coverage: This will pay the depreciated cost of a vehicle. -Replacement cost coverage: This will pay for you to buy a new car similar to the value of your vehicle that was a total loss.
ComprehensiveWith this coverage, Amco Auto Insurance will pay for damages to your vehicle that are not due to an accident, like fire, theft, vandalism, and animal damage (for example, if you hit a deer).
Uninsured/Underinsured Motorist (UM/UIM) CoverageThis coverage protects you after an accident with a driver who doesn’t have adequate insurance.
Personal Injury Protection (PIP)PIP covers the medical costs of injuries that you or your passengers receive due to an accident.

Amco customers can also add the following to auto insurance policies:

  • Non-owner liability coverage: This option is a great add-on for people who frequently drive a vehicle that they do not own.
  • Emergency roadside assistance: Coverage varies by carrier, but Amco offers roadside assistance to policyholders that could cover the cost of jumping a dead battery, changing a flat tire, and getting lockout services.
  • Rental car reimbursement: Coverage for rental reimbursement varies by provider. Some policies will help motorists pay for a rental car when their everyday vehicle is in the shop for repairs.

Amco Auto Insurance Cost

According to our rate estimates from Quadrant Information Services, the national average rate for a car insurance premium is $1,732 annually, with rates from national providers ranging from $1,000 to $3,000, but the cost of car insurance with Amco depends on many factors, like:

  • Your exact location
  • Desired level of coverage
  • What discounts you may qualify for
  • Your driving history
  • Vehicle type
  • Age, gender, and marital status
  • Credit score

Amco Auto Insurance Discounts

Amco offers insurance policies from many companies like ACC Insurance, Endeavor Insurance, Hallmark Insurance, Progressive, and Western General Insurance to name a few. The discounts these companies provide vary but generally include:

  • Safe driver discount
  • Multiple policies discount
  • Good student discount
  • Discounts for your car’s safety features like anti-lock brakes and anti-theft devices

Amco Auto Insurance Quotes

Amco provides a fast, free online tool called the “Auto Insurance Wizard,” where you enter your zip code to get a list of the best car insurance rates available to you. You can use this tool to see how Amco’s rates compare to other insurance companies:

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Amco Insurance Company Claims

When you go to make a claim through Amco’s website, you’ll be redirected to Alinsco Insurance’s site that has customer service representatives available by phone 24/7. You could also complete a claim online, but the response time may be longer than on the phone. Some customers express concerns regarding the wait time for insurance agents to respond to claims.

To make a claim, all you need is your name, phone number, loss date, loss time, and your policy number to start. Amco also has an app that allows you to manage your claims and policies even when you’re on the go.

Amco Auto Insurance Customer Reviews

Amco auto insurance doesn’t have many customer reviews online. There are no reviews on the BBB or Trustpilot, and the few reviews we could find were mixed. Satisfied customers are pleased with the polite and helpful attitudes of the insurance agents in offices. Some complaints express dissatisfaction with the time that it takes for insurance agents to help or respond to claims.

“This company hires some of the nicest people. They’re always in a cheerful mood when I come in. I had gotten kicked out [of] my previous insurance company when they found out my truck had a lift kit (which I didn’t know was a problem), and the ladies at Amco were able to find me a better rate. Super happy!”

-Jason M., via SuperMoney.com

On the other hand, an anonymous dissatisfied reviewer on Insurance.FreeAdvice.com stated that their claim was unfairly denied by an insurance agent.

Amco Car Insurance: Conclusion

If affordable car insurance is what you’re looking for, Amco Auto Insurance could be a great company to help you find fair rates. But if you’re more concerned with up-to-date technology and positive customer service, Amco may fall slightly short of your expectations. We recommend that you search around and compare options before committing to a car insurance provider.

To find an insurance provider that fits your expectations, use the tool below:

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Enter your zip code to shop for the best rates in your area:

Amco Car Insurance Competitors: Top Picks

We recently reviewed the top auto insurance companies in the nation, and Geico and Progressive were two providers that came out ahead. We gave each a rating of 4.5 out of 5 stars – considering factors such as coverage, availability of discounts, reputation, and technology. We recommend getting a quote from both companies and comparing the results.

Geico: Best Overall

Geico auto insurance is a great insurance company option for students and military personnel. In our Geico review, we found that it has competitive rates and numerous discounts for car insurance. Geico also maintains top marks from industry leaders like BBB, AM Best, and J.D. Power:

  • BBB: A+
  • AM Best: A++ in financial strength (Superior)
  • J.D. Power 2021 U.S. Auto Claims Satisfaction Study: 881/1,000

Geico provides standard and comprehensive coverage options with customizable policies that can fit the needs of most motorists.

Progressive: Best For High-Risk Drivers

When shopping for car insurance, we also recommend Progressive car insurance as an alternative to Amco Auto Insurance. Our Progressive insurance review shows that it is one of the biggest insurance companies in the nation for a reason, with positive online reviews from satisfied customers and praise from reputable sources like Fortune 500.

  • BBB: NR
  • AM Best: A+ in financial strength (Superior)
  • J.D. Power 2021 U.S. Auto Claims Satisfaction Study: 862/1,000


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services, and telematics are more likely to meet consumer needs.