Amex Auto Insurance Review for 2024 [See Rates & Discounts Here]

This Amex auto insurance review showcases Amex’s diverse offerings, including liability, full coverage, and PIP options for drivers in Texas.

Amex provides its own auto insurance policies, catering to both owners and non-owners. Additionally, Amex offers roadside assistance and business insurance, making it a versatile option.

Amex Auto Insurance Rating

Rating Criteria
Insurance Rating	3.5
Business Reviews	4.0
Claim Processing	4.0
Company Reputation	3.5
Coverage Availability	5.0
Coverage Value	3.7
Customer Satisfaction	2.5
Digital Experience	3.5
Discounts Available	1.3
Insurance Cost	3.1
Plan Personalization	3.5
Policy Options	3.5
Savings Potential	2.5

This review delves into the details of these programs, allowing drivers to compare coverage and benefits. Find out more insights about what are the benefits of auto insurance.

You may wonder, “How do I get Amex car insurance near me?” While you can’t get an American Express auto insurance quote, you can enter your ZIP code into our free tool above to compare your Amex insurance auto quote to top competitors in your area.

What You Should Know About Amex

Information on Amex insurance for car owners is complex; the primary source of information is the company website. That would be the best place to find information about rates if you ask yourself, “How do I buy Amex insurance near me?” Find more information on how to buy auto insurance online instantly.

Amex Insurance Rates by Age Group

The table highlights how Amex auto insurance rates vary based on coverage level, age, and gender. It shows the differences in minimum and full coverage premiums for drivers in different age groups.

Amex Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

For 16-year-old drivers, both male and female, rates are significantly higher, with full coverage costing around $354 for females and $367 for males. As drivers age, their premiums decrease, with 45-year-old drivers seeing the lowest rates, with females paying $228 and males $244 for full coverage.

The gap between male and female rates remains consistent across age groups, with males paying slightly more than females for minimum and full coverage. Notably, 25-year-old and 30-year-old drivers experience a noticeable drop in costs compared to younger drivers. This table shows how age and gender affect auto insurance premiums under Amex policies.

Amex auto insurance rates vary significantly based on your driving record. The table above outlines how different records, from clean to having a DUI, affect both minimum and total coverage rates.

Learn more by checking out our guide: Minimum Auto Insurance Requirements by State

Amex Insurance Coverage Options

There are many different types of auto insurance coverage. According to its website, Amex insurance offers owner and non-owner coverage, state-mandated liability, full coverage, collision, comprehensive, uninsured motorist, and PIP (personal injury protection). An explanation of these coverage options follows:

• Liability Coverage: Protects you when you cause an accident. Bodily injury liability covers any medical expenses when you are injured, while property damage liability covers any damage to physical property.
• Personal Injury Protection: Pays for medical expenses and will also cover the costs of lost earnings, rehabilitation, funeral expenses, and replacement costs for certain things like child care.
• Collision and Comprehensive Coverage: Collision coverage will be paid for when your car is damaged by a collision with another car or an object or if your vehicle is damaged by rolling over. Comprehensive coverage protects your car when it is damaged by theft, fire, hail, flood, wind, and vandalism.
• Uninsured and Underinsured Coverage: Even if you purchase adequate insurance for your car, if you are in an auto accident, the other person involved might not have sufficient auto insurance. This situation is where having uninsured and underinsured motorist coverage is helpful.

Curious if you can get Amex roadside assistance? Speak with an Amex automotive insurance representative to see if the coverage is available.

In addition, if you need travel coverage and find out Amex has it, check out Amex travel insurance reviews to see if it offers what you need.

Amex Auto Insurance and Other Coverage Types

Your home is typically the biggest purchase you will make. That is why homeowners insurance is so important. Amex home insurance typically covers acts of nature like lightning, hail, and windstorms or natural disasters like tornadoes and hurricanes.

Home insurance also covers things like theft and any major damage like when pipes freeze over in the winter.

Business insurance offers coverage for workers’ compensation, business property and business liability insurance, business auto insurance, surety and fidelity bonds, and even mobile property and inland marine insurance.

Commercial insurance is the best line of protection for business owners. Worker’s compensation insurance is another way for business owners to protect their business and employees. Lastly, Does American Express have car insurance? American Express offers car insurance options through partnerships with various insurance providers.

Car Insurance With American Express Doesn’t Exist

Does Amex have car insurance? If you’re wondering how to get American Express insurance for car owners, you’ll be disappointed to learn that American Express car insurance coverage isn’t available. However, you can get other American Express insurance coverage from Amex Assurance Company.

So, what is the Amex Assurance Co.? The American Express Assurance Company underwrites the company’s other insurance services, such as travel insurance, extended warranties, and Amex rental insurance coverage. The American Express Assurance Company’s phone number is 1-800-243-0198 to file an American Express insurance claim.

Do you need all the auto 🚗insurance coverage or just the bare minimum? Probably somewhere in between, but where❓? Check out our guide to help you make the best decision for you👉: https://t.co/PlHvBUHasO pic.twitter.com/y6wRKU7Xb1

— AutoInsurance.org (@AutoInsurance) June 24, 2024

Can I get American Express home insurance? American Express homeowners insurance is available in some regions through the American Express Home Plus Insurance plan, underwritten by Zurich Insurance. See our Zurich auto insurance review to learn more about the company.

You can also get term life insurance with the Amex Life Assurance Company, underwritten by MetLife. However, Amex Life Insurance Company coverage is only available in India (Read our “MetLife Auto Insurance Review” to learn more).

While no “American Express Insurance Company” exists with auto insurance, you can still use the other American Express insurance services listed above. Check out American Express insurance reviews to see if Amex Assurance Company insurance coverage fits your needs.

Consumer Reports Insights on Amex Auto Insurance

Amex auto insurance received an impressive score of 840/1000 from J.D. Power, indicating above-average customer satisfaction. The BBB awarded it an A+ rating, reflecting excellent financial strength and business practices. Consumer Reports scored 75/100, mainly suggesting positive customer feedback.

Amex Insurance Business Ratings & Consumer Reviews

Agency
	Score: 840/1000 Above Avg. Satisfaction
	Score: 75/100 Positive Customer Feedback
	Score: 0.75 Low Complaint Level
	Score: A Excellent Financial Strength

Amex also earned a low complaint score of 0.75 from the NAIC, demonstrating that it resolves issues effectively. A.M. Best was awarded an “A” for its strong financial stability, further reinforcing its reputation for reliability.

Amex Auto Insurance: Pros and Cons Overview

Amex auto insurance offers a variety of coverage options and flexibility, making it appealing to both personal and business customers. Their services include protections that suit various needs, from standard auto coverage to additional business-related insurance policies.

• Extensive Coverage Options: Amex liability insurance, full coverage, collision, and comprehensive plans.
• Uninsured Motorist and PIP Protection: Includes coverage for uninsured drivers and personal injury protection.
• Add-On Services: Offers roadside assistance as an optional add-on for added convenience.
• Business Insurance Variety: Also provides a range of personal and business insurance options.

Amex’s well-rounded selection of insurance options and added services like roadside assistance plans make it suitable for drivers looking for flexible, robust coverage.

However, Amex faces some notable issues, including poor customer service ratings. Additionally, limited online resources and a lack of customer feedback create transparency challenges for potential buyers.

• BBB Rating Issues: Amex received an “F” rating from the BBB for failing to address a customer complaint.
• Limited Online Info: The company’s auto insurance information is sparse and hard to find online.
• Lack of Customer Feedback: There is minimal public feedback or reviews on their auto insurance services.

While Amex provides versatile coverage, its customer service and lack of online transparency concern potential policyholders.

Read More: Auto Insurance Discount for American Express Employees

Evaluating Amex Auto Insurance Coverage

Amex Auto Insurance offers various coverage options, including full coverage, liability, and personal injury protection, making it an appealing choice for those seeking flexibility in their insurance needs.

Where do you start when you need auto 🚗insurance? Start with deciding how much 📊coverage you need. Not sure what that is? Check out this guide and shop with confidence👉: https://t.co/F4he3XKI34 pic.twitter.com/d630yHVca5

— AutoInsurance.org (@AutoInsurance) June 23, 2024

While it provides valuable add-ons like roadside assistance and business insurance, the company faces challenges in customer service, which is evident in its “F” rating from the BBB and lack of available customer feedback online.

Amex presents a substantial selection of services for drivers in Texas and beyond, but potential customers should weigh its pros and cons carefully before deciding. Compare the auto insurance rates and get Amex auto insurance quotes and quotes from other companies in your area today. Enter your ZIP code below now.