Amco Auto Insurance
Amco Auto Insurance
in Car Insurance from Amco

Amco Auto Insurance

in Car Insurance from Amco
SuperMoney Net Recommendation Score +60  


This product is strongly recommended by SuperMoney users with a score of +60, equating to 4.2 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

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Community Rating Strongly recommended
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Amco Auto Insurance Review

Amco is a car insurance carrier based in Houston, TX. The insurance company was founded in 1987 and offers car insurance in 1 state in the USA.

If you're considering whether Amco insurance is a good option for you, read on.

Amco insurance Pros & Cons

Pros Cons
  • Locally available agents
  • Emergency roadside assistance
  • No 24/7 phone availability
  • No free policy cancellation
  • Does not offer digital claims reporting
  • No accident forgiveness
  • No rental car coverage
  • No ridesharing coverage
  • No transport trailer coverage
  • No travel expenses or trip interruption coverage
  • Not many policy discounts available
  • Does not offer many vehicle equipment discounts

Amco insurance FAQ

What types of car insurance coverage options does Amco insurance offer?

Although we often talk about car insurance in the singular, it really includes several types of coverage options. Amco insurance offers the following types of car insurance coverage options:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most insurance policies will also cover funeral expenses.
  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

Amco insurance customers can also add the following riders or endorsements to their insurance policies:

  • Non-Owner Liability Coverage: This policy is designed for people who drive a vehicle they don't own. It is also used by businesses who want to provide coverage for their employees when they use their personal vehicles for work. In some cases this endorsement will also cover rental vehicles.
  • Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does Amco insurance have roadside assistance?

Emergency Roadside Service available. Yes, Amco offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does Amco insurance offer ridesharing insurance?

No, Amco insurance does not offer ridesharing coverage as a rider or endorsement.

What benefits does Amco insurance offer?

Amco insurance offers the following benefits to its customers:

  • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

How does Amco calculate insurance rates?

Car insurance companies guard their risk-assessment algorithms as a trade secret, and Amco is no exception. However, you can be confident that Amco insurance will take into consideration your driving record, age, gender, marital status, and address.

Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.

Does Amco insurance use your credit score?

It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.

  1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
  2. There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a Amco insurance insurance quote

  • Visit the Amco website.
  • Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
  • Check the information is accurate and submit your application.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Amco insurance

Amco Auto Insurance is greater Houston’s trusted source for personalized car insurance coverage. Coming to us means coming to an agency that is easy to communicate with and one that will be able to guide you on a personalized path to choosing the right insurance plan. Our job is to prioritize your needs, and we specialize in getting auto insurance that is right for the Houston driver, rather than for the major auto insurance company. Houston is famous for its traffic congestion, which is why you will find advocates in us when you choose us to help you get your auto insurance plan. We understand the benefits drivers need to keep them safe behind the wheel. Our goal is to make sure you get them at the most affordable prices for you.

Message From Our Editor

What We Love About Amco Auto Insurance

Amco is not actually an auto insurance provider but a company that helps people find the best insurance providers in Texas. They work with several different insurers throughout the state that offer various personal and commercial insurance solutions. We love that their focus is on helping consumers get the best insurance for their needs, no matter what company. Having this kind of industry support can make insurance shopping so much easier.

What Could Amco Auto Insurance Do Better?

The only real complaint we have is that the name of the company could be a bit misleading. After all, if they don’t actually sell insurance, their name should include something like “agency” or “independent,” or some other term that lets people know they’re just a third party service that connects people with insurance. In fact, they might earn more business this way because some consumers prefer to work with third-party services like this than to buy direct from insurers.

Amco's Backstory

Amco is part of the Nationwide Mutual Insurance Company. Founded in 1959 in Iowa, the company was designed to help consumers compare their insurance options and find the best coverage locally. Amco has spent years helping consumers find better insurance and has established relationships with insurance providers of all sizes to ensure that they can offer coverage to their consumers.

This branch of Amco specifically serves residents in Texas and can provide a variety of auto insurance solutions for drivers of all risk levels.

The Verdict

Amco offers a lot of options for affordable auto insurance with easy online applications and account access. They also have local agents available and offer local coverage for people who need it. However, the website is a bit dated and could use a refresher.


  Available in 1 state
Availabile in all of Texas

Feature Breakdown

Policy Discounts
  • Good Student
  • Multiple Policy
  • Claims Free
Liability Vehicle Insurance
  • Bodily Injury Coverage
  • Property Damage Coverage
  • Underinsured Motorist
  • Uninsured Motorist
Medical Vehicle Insurance
  • Medical Payments Coverage
  • Personal Injury Protection
Vehicle Coverages
  • Comprehensive
  • Collision
Carrier Features Locally Available Agents

Amco Auto Insurance Community Reviews


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This product is strongly recommended by SuperMoney users with a score of +60, equating to 4.2 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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