Established in 1997, Amigo Insurance Agency is headquartered in Houston, TX. The agency is privately owned and prides itself on providing car insurance at an affordable price.

Amigo has grown extensively in the more than 20 years since we first opened our doors. Today, the company boasts over 100 authorized agents in Illinois, who serve as the primary sales outlet for all the company’s products. To stand out in a crowded market, the company offers one-month policies, which can be difficult to find. Additionally, they specialize in non-standard insurance policies intended for high-risk drivers.

Amigos insurance agency

Visiting the Amigo Insurance Agency Website

Amigo is easily identified by its “Happy” logo and its company motto. The website,, reflects that. Currently, the website is not up, so anyone interested in receiving a quote or purchasing a policy will need to call the company or visit one of their locations.

When the website returns online, policyholders will be able to:

  • Make an online payment
  • Verify the terms of your policy
  • Submit a claim and follow up
  • Print an ID card
  • Download the Amigo Insurance Agency app

The app is available for both Android and iOS users. Using the app, policyholders can make payments, set up recurring payments, verify the terms of their policy, and print ID cards.

The company’s regular business hours are 9 am to 6 pm CST. During this time, you can speak with a company agent or representative.

When up, the Amigo website will be available in both English and Spanish. For the company, having a Spanish website gives them a huge advantage in a competitive field and indicates that their target market lives in the southern states. In addition, the company often directs its marketing toward the growing Latino population in the area.

Payment Methods

Amigo offers policyholders a variety of ways to make their payments, including:

  • Personal check
  • Wire transfers
  • Debit card
  • Credit card
  • Electronic checks

Amigo Insurance Agency Facts

  1. Amigo prides itself on making non-standard car insurance policies available. This makes them a specialty insurance carrier.
  2. The company is one of the very few companies that offer one month or 30-day policies. This is particularly beneficial for anyone who needs insurance immediately but doesn’t want to commit to a 6- or 12-month policy.
  3. The company focuses on non-standard coverage meant for drivers who struggle to get car insurance coverage, including those who are considered high risk. This includes drivers with previous reckless driving or DUI convictions.
  4. Amigo is not accredited by the Better Business Bureau (BBB). In fact, they have a low rating with the BBB, as well as many negative online reviews. These are primarily focused on slow claim payouts.

Coverage Offered by Amigo Insurance Agency

As mentioned above, Amigo does offer non-standard policies, which may include:

  • Uninsured Motorist Coverage
  • Bodily Injury Coverage
  • Roadside Assistance
  • Property Damage Coverage

It’s interesting to note that over ½ of Amigo’s policyholders have opted for a 1-month policy. After this time, some opt to renew their policy, while others find better coverage with better rates.

The Cost of Insurance Coverage

Drivers with a non-standard policy may pay as much as $250 a month for coverage. This is especially true for drivers under the age of 25.

Drivers who are over the age of 25 with no DUI convictions may pay much less than $200 a month. However, Amigo’s prices do tend to be higher than other insurance companies. One-month policies are particularly expensive.

Amigo Discounts

Although Amigo doesn’t offer nearly as many discounts as other top insurers, they do have a few available for drivers purchasing a standard policy. They include:

  • Military discounts
  • Low mileage discounts
  • Senior driver discounts
  • Good driver discounts

Free Insurance Quotes

Although quotes are not available online, interested drivers can contact one of their many agents between the hours of 9 am and 6 pm CST.

Amigo Insurance Reviews

Amigo has a less than stellar reputation. Most complaints involve long delays for claim payouts. In some cases, the complaints involve the non-payment of claims. However, other reviews point out the terrible customer service. Most of these complaints detail long response times.

Legal Issues

In October 2020, a Texas judge placed Amigo into receivership. This means that the company is essentially insolvent (unable to pay the debts they owe) and unable to sell new policies. The company has been in the market for a partner with a reliable financial situation to take over its insurance operations. If one is not found, it is unlikely Amigo will be able to fulfill its financial obligations.

Our Thoughts on Amigo Insurance Agency

We strongly encourage potential customers to stay away from Amigo. This is largely due to the company’s current financial situation. In the event of an accident, there is a strong possibility that claims will not be paid out.

Thankfully, there are plenty of other insurance companies to choose from, even for drivers looking for a non-standard policy. This includes top insurance companies, such as