Auto Insurance from $28/mo

There are many ways to reduce your auto insurance costs without sacrificing coverage:

• Bundle auto with home or renters insurance (many carriers offer a bundle discount)
• Maintain a clean driving record and avoid tickets
• Complete a defensive driving course (6-hour course = discount)
• Install anti-theft devices and tracking systems
• Choose a higher deductible if you have emergency savings
• Ask about good student discounts (3.0+ GPA)
• Pay your premium in full annually instead of monthly

If you're involved in an accident, follow these steps:

1. Ensure everyone's safety first. Call 911 if there are injuries or significant damage.
2. Exchange information with other drivers (names, phone numbers, insurance details, license plates).
3. Document the scene with photos and videos from multiple angles.
4. Get contact information from witnesses if possible.
5. Contact A-LA Auto Insurance at (866) 252-6116 during office hours (Mon–Fri 10 AM–7 PM, Sat 10 AM–5 PM); after hours, report the claim to your carrier using the claims number on your insurance ID card.
6. Your A-LA agent will help you open the claim with your carrier, explain what to expect, and stay with you until it is resolved.

Yes. Many of the 35+ carriers A-LA compares offer safe-driver discounts for clean records, which can meaningfully lower your premium. Other discounts carriers commonly offer include defensive driving course completion, multi-vehicle, bundling with home or renters insurance, loyalty, and military/veteran discounts. Some carriers also offer accident forgiveness for a first at-fault accident on eligible policies. Contact us to learn about all available discounts you may qualify for.

Collision coverage pays for damage to your vehicle from accidents involving other vehicles or objects (like hitting a tree or guardrail), regardless of fault. Comprehensive coverage protects against non-collision events like theft, vandalism, fire, hail, flooding, falling objects, and animal strikes. Both are optional but highly recommended, especially if you have a car loan or lease. Together they provide complete physical damage protection for your vehicle. Most drivers choose both for total peace of mind.

You can get same-day coverage with A-LA Auto Insurance. Our online quote process takes less than 5 minutes, and once you purchase your policy, you'll receive instant proof of insurance via email that you can access on your phone. You can also call us at (866) 252-6116 to speak with an agent and get covered over the phone in minutes. We understand that sometimes you need insurance immediately, and we're here to help.

At A-LA Auto Insurance, rates start at $28/month for liability-only, SR-22, and non-owner SR-22 policies. Typical ranges: clean-record suburban DFW drivers pay $65 to $90/month liability-only and $120 to $180/month full coverage. Urban DFW ZIPs (75211, 76104, 75227) typically run about $140 to $230/month full coverage on a clean record ($180 to $320 with violations). SR-22 liability from $28, typically $85 to $145/month by violation (about $125 to $175 after a DWI). Non-owner SR-22 from $28/month. Ranges are typical estimates, not quotes.

There is no single cheapest carrier in Texas — rates can vary widely between insurers for the exact same driver, which is why comparing multiple carriers matters more than any specific brand. At A-LA Auto Insurance, liability-only auto insurance starts at $28 per month. Because we are an independent agency comparing 35+ Texas-licensed carriers — including non-standard specialty insurers standalone agencies do not access — every quote we generate is already a multi-carrier price comparison. Drivers who switch to A-LA from a single-carrier policy can often find a lower rate for the same coverage.

Yes. A-LA Auto Insurance does not run credit checks to quote or bind auto policies. Texas Insurance Code Chapter 559 restricts how credit-based insurance scores can be used in auto rating, and A-LA's 35+ carrier network includes non-standard specialty insurers that rate primarily on driving record, vehicle, and coverage selection — not credit. This helps new immigrants, first-time buyers, and drivers with damaged credit avoid the higher premiums that credit-heavy standard carriers can charge. Walk into any of our 20+ offices across Texas or call (866) 252-6116 — no SSN required.

Yes. A-LA Auto Insurance writes auto insurance for Texas drivers who do not hold a US driver's license using alternative identification. Accepted documents include the Mexican Matricula Consular, ITIN (Individual Taxpayer Identification Number), foreign passport, foreign government-issued driver's license, international driving permit, and DACA Employment Authorization Document (EAD). No SSN required. Coverage options include Texas minimum liability (30/60/25), full coverage, and SR-22 filing when required. Every A-LA office has bilingual English and Spanish agents — walk in at any of our 20+ locations across Texas.

Yes. A-LA specializes in high-risk Texas auto insurance — including drivers with DUI/DWI convictions, multiple at-fault accidents, excessive violations, license suspensions, or no prior insurance history. Standard carriers commonly decline or non-renew these profiles, but A-LA's 35+ carrier network includes non-standard specialty insurers that accept them. High-risk liability-only policies typically range $85 to $175/month (about $125 to $175 after a first DWI, up to about $285 after a second DWI); full coverage typically about $180 to $320/month. Same-day coverage and SR-22 filing are included when required. Zero judgment.

There is no single cheapest carrier for full coverage in Texas. Your price depends on your driving record, your vehicle, your ZIP code, the deductibles you choose and the liability limits you carry, and each carrier prices those factors differently. That is why A-LA compares 35+ carriers for the same coverage before you buy, with no credit check.

Yes. Liability-only coverage at the Texas minimum of 30/60/25 (Tex. Transp. Code §601.072) is the least coverage the law allows, so it is the cheapest way to drive legally. At A-LA, liability-only starts from $28/mo for qualifying drivers. It pays for injuries and damage you cause to other people, not for your own car, so a lender will usually require full coverage on a financed or leased vehicle.

There is no single best car insurance company for every Texas driver. The best policy for you is one that meets the Texas 30/60/25 minimum and fits your driving record, your car and your budget. For an older, paid-off car that may be liability-only; for a financed or leased car it usually means full coverage. A-LA compares 35+ carriers so you can see which one prices your coverage lowest.

In Texas, full coverage means liability insurance at or above the 30/60/25 minimum (Tex. Transp. Code §601.072) plus collision and comprehensive. Liability pays for injuries and damage you cause to others; collision pays to repair your own car after a crash; comprehensive covers theft, hail, flood, fire and vandalism. Many drivers also keep PIP and uninsured/underinsured motorist coverage on the same policy. See what full coverage car insurance covers in Texas.

Not by state law. Texas only requires 30/60/25 liability. But if your car is financed or leased, the lender or leasing company will almost always require collision and comprehensive until the loan is paid off. To keep full coverage affordable, choose a higher deductible you could still pay after a claim, compare carriers, and ask about paying in full. A-LA compares 35+ carriers with no credit check.

Compare several carriers for the same coverage, decide between liability-only and full coverage based on whether a lender is involved, choose a deductible you could pay after a claim, ask which discounts apply to you, and compare paying monthly with paying in full. A-LA compares 35+ carriers in one quote with no credit check, and liability-only starts from $28/mo for qualifying drivers.

It depends on your driving record, vehicle, ZIP code and deductible. Clean-record suburban DFW drivers typically pay about $120 to $180/month for full coverage, and urban DFW ZIPs (75211, 76104, 75227) typically run about $140 to $230/month on a clean record. Ranges are typical estimates prepared by A-LA's licensed agents, not quotes.

Have a form of identification (a Texas driver's license, foreign driver's license, Matrícula Consular, passport, ITIN, or DACA EAD), your vehicle's VIN or registration, the address where the car is kept, and the names of the drivers you want on the policy. A prior declarations page helps if you have one. No SSN and no credit check are required.

Yes. Use the quote form on this page, call (866) 252-6116, or walk into an A-LA office with no appointment. A quote typically takes about five minutes, and once you buy, proof of insurance is sent to your phone the same day.

Usually, yes. The deductible applies to collision and comprehensive, so raising it typically lowers that part of the premium. It does not change the price of your liability coverage. Pick a deductible you could pay right after a claim, because you pay it before the carrier pays the rest of a covered repair.