Our Top Auto Insurance Carriers
Types of Auto Insurance Coverage
Liability Insurance
Coverage
Liability coverage protects you if you are at fault for an accident and you injure someone or damage someone's property. It also provides you with legal defense if the other party files a lawsuit against you.
Comprehensive & Collision
Coverage
These are two separate coverages: comprehensive covers random acts of nature beyond your control (falling trees, hail, theft, fire, floods, glass damage, etc.), and collision covers car accidents.
Medical Payments
Coverage
This insurance option pays for coverage medical expenses up to policy limits for this coverage for anyone injured in your vehicle - regardless of who’s at fault. It also covers you and your family members who might be involved in an accident as a pedestrian.
Personal Injury
Protection
Personal Injury Protection (PIP) Insurance pays for your personal medical expenses or for injuries sustained by your passengers - no matter who is at fault for the accident. Plus 80% of lost income and the cost of hiring a caregiver for an injured person.
Uninsured/Underinsured
Motorist Coverage
These can be two separate coverages: one that covers your injuries (bodily injury) and another that covers your vehicle’s damage (property damage). Both options apply if a driver hits you and doesn’t have insurance or enough to pay for your losses.
Rental Reimbursement
Coverage
Pays a set daily amount for a rental car if your vehicle is stolen or being repaired from a covered loss; that means damage that an insurance company pays for, not general maintenance.
Towing & Labor
Coverage
Pays for towing charges when your vehicle can’t be driven. Also pays labor charges, such as changing a flat tire or jump-starting your battery.
Keep in mind that coverages, limits and deductibles vary. You'll get more information when you get a quote. All coverages are subject to policy terms and conditions.
Nathan Hale
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Fast, reliable, savings year after year. A solid independent agency that works for you.
Grace Vidaurreta
Insurance companies normally ask my age, which increases my price, but my agent was fantastic. She worked with me by taking her time making sure I got a rate that not only suited my needs but was also soft on my pocketbook. Now I’m paying a very low rate, especially compared to the insurance rates that I am use to paying with other insurance companies. I plan on being with this company a long, long, long TIME.”
Mike Krejci
I've used Al Boenker for the last three years and have always had amazing service. My agent found boat insurance for me after my current insurance company dropped me for a very strange reason. He dug in and figured out what happened and found equal coverage for LESS cost with another company. I was super impressed, and he kept me in the loop every step of the way. I'm a big fan of Al Boenker insurance.
Jason Scott
Al Boenker hasn't disappointed once in 7 years! I recently dumped my old insurance company for the giant rate increase I was dealt. Al Boenker Insurance fought hard for me, even working after hours to get me insured! Their staff did an amazing job helping me and getting me insured quickly.”
Rosalind Shelton
I am so glad that I chose Al Boenker Insurance. Their agents are very knowledgeable and very detailed in their answers. I was able to transition into a new Homeowner’s Insurance policy very comfortably and confidently because they were so knowledgeable
Rita Hicks
I’m very happy with Al Boenker Insurance! We switched with them 2 years ago because they saved us $150 a month to cover two cars and then again, when it was time for renewal, they saved us another $100. Their agents are very knowledgeable and answered all our questions happily. They’re very quick to respond and we are satisfied with their customer service
Alejandra Gonzalez
I've been with Al Boenker for 5+ years. Today they did something that really surprised me that speaks volumes of their customer service and dedication to their clients. I received a call from my agent saying that they noticed I made an update with one of their providers and noticed my rate went up by 20%. They asked if I'd allow them to shop for a cheaper rate and of course I complied. My rate went down from $567 to $402. I'm impressed that they did this for me. Thank you so much! I recommend their service to anyone considering it. They'll look out for you and find what's best for you
Yesinia Silva
The agent I worked with was AWESOME!!! She saved me $100 on my car insurance and was one of the most responsive reps I've ever worked with. She was so friendly and super personable and an all-around great person to work with. Thank you so much for your excellent service and your eagerness to help me out!
Justine Chanthamany
I worked with Al Boenker Insurance to find the best price for my auto insurance. They were SO helpful. Since I started driving almost 20 years ago, I never paid much attention to whether I was under or over insured. I just knew I needed insurance and did a lot of guessing about what I might need. They went through EVERY LINE of my coverage, fully explaining the pros and cons of each level of coverage and thorough without dragging on. I never thought I'd be so impressed with an insurance agency! oh! and they found a way to save me about $1000 yearly with the EXACT SAME coverage! GREAT EXPERIENCE!”
Diana Wilson
I was looking to change insurance companies and spoke with Al Boenker Insurance. They were super helpful and a pleasure to chat with. They helped me find the best insurance to fit my needs and budget. They also took the time to ask lots of questions and gave me some great recommendations. The customer service I got was top notch
Ed Caldera
As usual they make purchasing insurance as simple as 1,2,3. I've carried insurance with them for over 2 years now and the service is excellent every time I need to renew. My agent was very knowledgeable and took care of my needs. They helped me get my vehicle covered the same afternoon I called. They do all the work for me and all I need to do is sign. Thank you once again
Glenda Williams
My experience with this company was great! My agent was very helpful and walked me through the steps of my needs on my policy while being mindful of my budget. Thank you
Ken Tywater
My experience with Al Boenker was great. My agent was extremely helpful and walked me through the process very efficiently. I would highly recommend this agency.
Bertha-Alicia Rios
Great company! I don't have any complaints. From the start, I knew exactly what my coverage was. No surprises, easy billing and payment options. Whenever I've contacted customer service, everyone has been very positive, knowledgeable, easy to work with and the online system is great and convenient. Prices are very competitive too.
Carol Gregg
I have been a customer for many years and have come to rely on the Al Boenker Insurance company for all my insurance needs. They have never let me down. And their staff is very friendly, responsive, professional, and competent. They are all you could ask for in an insurance company.
Check What Our Community Has To Say
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What is the basic amount of auto insurance required in Texas?Texas law states that drivers must have auto liability insurance to pay for repairs, medical expenses, and car or part replacements if you’re at fault in an automobile accident. The minimum amount for bodily injury per person is $30,000 (or $60,000 total per accident) and $25,000 for any property damage per accident.
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What key factors affect my auto insurance premium?There are various aspects that determine your car insurance premium, including your driving record, age, credit history, vehicle type, marital status, location and the amount of coverage you choose to acquire.
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Are there any discounts I can utilize to save even more money?Absolutely! Many of the best auto insurance companies in Texas that we represent offer various discounts, including multi-policy discount (bundling home and auto), companion policy discount, education and good student discount, homeowner discount, multi-car discount, and prior insurance discount. The bottom line is: regardless of your background or status, Al Boenker will save you money on your Texas auto insurance!
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Do I qualify to shop for low-cost auto insurance in Texas with Al Boenker?Certainly! All 254 counties in Texas are covered by our services. No drivers license? No problem. You’re eligible to receive cheap full coverage auto insurance in Texas from Al Boenker.
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Exactly how much money can I save on my auto insurance with Al Boenker?Because we are an independent Texas insurance agency, we provide more options and better rates than agencies representing only one or two insurance carriers. Depending on certain factors, individual circumstances, and discount possibilities, you can typically save between 10% to 30% on your premiums compared to going directly to a single insurance provider.
Nathan Hale
Fast, reliable, savings year after year. A solid independent agency that works for you.
Grace Vidaurreta
Insurance companies normally ask my age, which increases my price, but my agent was fantastic. She worked with me by taking her time making sure I got a rate that not only suited my needs but was also soft on my pocketbook. Now I’m paying a very low rate, especially compared to the insurance rates that I am use to paying with other insurance companies. I plan on being with this company a long, long, long TIME.”
Mike Krejci
I've used Al Boenker for the last three years and have always had amazing service. My agent found boat insurance for me after my current insurance company dropped me for a very strange reason. He dug in and figured out what happened and found equal coverage for LESS cost with another company. I was super impressed, and he kept me in the loop every step of the way. I'm a big fan of Al Boenker insurance.
Jason Scott
Al Boenker hasn't disappointed once in 7 years! I recently dumped my old insurance company for the giant rate increase I was dealt. Al Boenker Insurance fought hard for me, even working after hours to get me insured! Their staff did an amazing job helping me and getting me insured quickly.”
Rosalind Shelton
I am so glad that I chose Al Boenker Insurance. Their agents are very knowledgeable and very detailed in their answers. I was able to transition into a new Homeowner’s Insurance policy very comfortably and confidently because they were so knowledgeable
Rita Hicks
I’m very happy with Al Boenker Insurance! We switched with them 2 years ago because they saved us $150 a month to cover two cars and then again, when it was time for renewal, they saved us another $100. Their agents are very knowledgeable and answered all our questions happily. They’re very quick to respond and we are satisfied with their customer service
Alejandra Gonzalez
I've been with Al Boenker for 5+ years. Today they did something that really surprised me that speaks volumes of their customer service and dedication to their clients. I received a call from my agent saying that they noticed I made an update with one of their providers and noticed my rate went up by 20%. They asked if I'd allow them to shop for a cheaper rate and of course I complied. My rate went down from $567 to $402. I'm impressed that they did this for me. Thank you so much! I recommend their service to anyone considering it. They'll look out for you and find what's best for you
Yesinia Silva
The agent I worked with was AWESOME!!! She saved me $100 on my car insurance and was one of the most responsive reps I've ever worked with. She was so friendly and super personable and an all-around great person to work with. Thank you so much for your excellent service and your eagerness to help me out!
Justine Chanthamany
I worked with Al Boenker Insurance to find the best price for my auto insurance. They were SO helpful. Since I started driving almost 20 years ago, I never paid much attention to whether I was under or over insured. I just knew I needed insurance and did a lot of guessing about what I might need. They went through EVERY LINE of my coverage, fully explaining the pros and cons of each level of coverage and thorough without dragging on. I never thought I'd be so impressed with an insurance agency! oh! and they found a way to save me about $1000 yearly with the EXACT SAME coverage! GREAT EXPERIENCE!”
Diana Wilson
I was looking to change insurance companies and spoke with Al Boenker Insurance. They were super helpful and a pleasure to chat with. They helped me find the best insurance to fit my needs and budget. They also took the time to ask lots of questions and gave me some great recommendations. The customer service I got was top notch
Ed Caldera
As usual they make purchasing insurance as simple as 1,2,3. I've carried insurance with them for over 2 years now and the service is excellent every time I need to renew. My agent was very knowledgeable and took care of my needs. They helped me get my vehicle covered the same afternoon I called. They do all the work for me and all I need to do is sign. Thank you once again
Glenda Williams
My experience with this company was great! My agent was very helpful and walked me through the steps of my needs on my policy while being mindful of my budget. Thank you
Ken Tywater
My experience with Al Boenker was great. My agent was extremely helpful and walked me through the process very efficiently. I would highly recommend this agency.
Bertha-Alicia Rios
Great company! I don't have any complaints. From the start, I knew exactly what my coverage was. No surprises, easy billing and payment options. Whenever I've contacted customer service, everyone has been very positive, knowledgeable, easy to work with and the online system is great and convenient. Prices are very competitive too.
Carol Gregg
I have been a customer for many years and have come to rely on the Al Boenker Insurance company for all my insurance needs. They have never let me down. And their staff is very friendly, responsive, professional, and competent. They are all you could ask for in an insurance company.
WHAT OUR CUSTOMERS SAY
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Why Choose Us?
LOCAL EXPERTISE, STATEWIDE COVERAGE
Looking for a cheap Texas auto insurance quote? You’ve come to the right place! We’re professionals at finding our customers the cheapest car insurance rates in Texas that fit within their budget. See how you can save hundreds of dollars while getting the best full-coverage auto insurance with Al Boenker.
No Obligation Quotes
Whether you’re interested in cheap liability auto insurance in Texas for your automobile, truck, or classic car, we can help! We’ll shop and compare auto insurance quotes through national and more localized Texas auto insurance companies to find you the best rate and coverage.
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Our Agents Are Your Neighbors
We advocate and support our community in our insurance efforts. Let us leverage our knowledge of the local market and Texas requirements for auto insurance to shop and compare auto insurance quotes to find you the perfect coverage with no hidden fees or surprise payments.
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Auto Coverage You Can Count On
It’s no secret that Texas drivers are relentless and driving in the lone star state is filled with dangers and risky scenarios. Thankfully, Al Boenker Insurance is here to ensure that you can hit the road knowing you have auto insurance coverage you can count on at the best rate available.