Empower Insurance Insurance Review

Updated October, 2020
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Since 2003, Empower Insurance has served millions of Texans with affordable auto insurance. Explore their different programs to find the coverage and features that suit your specific needs, today!

Empower Insurance overview

Whether you're a new driver, have a foreign ID, or an excellent credit score, there's an Empower Insurance auto program tailored just for you. With a wide array of coverages, discounts, and an A+ rating with the Better Business Bureau (BBB), it's no wonder millions of Texans have chosen Empower has their trusted auto insurer.

Empower Insurance Products

Empower Insurance helps you save by offering a variety of car insurance programs to fit your needs.

  • Empower Select: The broadest coverage of any policy that Empower Insurance offers, it provides liability, comprehensive, and collision coverage in 6-month intervals. To be eligible, you must have a valid U.S. driver's license.
  • Empower Priority: This is a 30-day, liability only policy. This program only requires a foreign ID or driver's license or any photo ID (even expired).
  • Empower Enhanced: This program provides liability, comprehensive, and collision coverage for all household members listed on the policy in 6-month intervals. Anyone with a foreign ID, driver's license, or any photo ID (can be expired) is eligible.
  • Empower Bravo: Good credit gets you a great rate with this program. Empower's credit-based product provides comprehensive, collision, uninsured/under-insured motorists, and rental car coverage. Insured must have a valid U.S. driver's license.
  • Empower Annual Savings Program: Annual Savings is a great way to lock in the lowest rate for 12 full months! This program offers coverage for all listed household members and liability coverage for permissive use for non-household members. Empower Annual Savings will include the Alinsco Named Driver endorsements and offer the best monthly payment options for you.

Filing a claim is simple

  • Phone: Call Empower's claim line 24/7 at 877-437-5007
  • Online: File a claim directly on Empower's website
  • In-App: Download the Alinsco App in the App Store or Google Play to file a claim at the touch of a button

Pros

  1. Over 2,000 independent agents to help guide you find the right coverage
  2. Offers a variety of car insurance programs
  3. Awarded company of the year 4 times by the PIA (Professional Insurance Agents)

Cons

  1. Limited coverage area, only serves Texas residents

Coverage options

  • Bodily Injury Liability Coverage: Protects against claims that result in bodily injury to others caused by you in an at-fault accident.
  • Property Damage Liability Coverage: Protects against claims that result in damage to the property of others caused by you in an at-fault accident.
  • Medical Payments Coverage: Provides coverage for bodily injury to an insured, family member, or a passenger in an insured vehicle regardless of who's responsible for an accident.
  • Collision Coverage: Provides coverage for damage to a policyholder's vehicle that's caused by an accident.
  • Comprehensive Coverage: Provides coverage for damage to a policyholder's vehicle that's caused by fire, theft, flood, or animal collision. This coverage also pays for broken glass to an insured automobile.
  • Uninsured/Under-insured Motorist Coverage: Protection for damages you experience if an uninsured or underinsured or hit and run driver is at-fault for an accident.
  • Personal Injury Protection: Pays towards medical costs for you and your passengers if you're injured in an accident. In some states, it also pays towards lost wages, living expenses, funeral costs, etc.

Empower car insurance discounts

Empower Insurance offers multiple discounts that help lower your premium rate.

  • EFT Discount: Paying online via Electronic Funds Transfer (EFT) with your credit card or checking account gets you a discount.
  • Multi-Car Discount: Save by having 2 or more vehicles on your policy.
  • Safe Driver Discount: Drivers who have been accident-free and violation-free for a specific amount of time, are eligible for this discount.
  • Proof of Prior Insurance Discount: Get a discount for responsibly having auto insurance without any gaps.

Consider Empower Insurance if...

If you're a Texas resident and prefer a multitude of options, Empower Insurance is an excellent choice. Their different programs combined with rate-saving discounts, makes Empower Insurance a quality, affordable option for you and your vehicle.

Consider alternatives to Empower Insurance if...

Unfortunately, you aren't eligible for coverage with Empower Insurance if you live outside the state of Texas.

What's my best insurance option?

When shopping for car insurance it's important to compare several quotes side-by-side. This gives you the best pricing & coverage options.

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Get cheap insurance quotes, today!
Our team will help you find the lowest insurance prices.
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