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America's Trusted Auto Insurer

Auto Insurance That
Actually Protects You

Comprehensive coverage for your vehicle, your passengers, and your peace of mind. Starting at just $29/month with customizable plans that fit your driving life.

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4.9/5 from 15,200+ happy drivers

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No obligation. No spam. Just real numbers.

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Fast ClaimsQuick turnaround
Save Up to 25%Bundle and save
24/7 SupportReal humans, always
No Hidden FeesTransparent pricing
Coverage Options

Protection Built Around Your Drive

From your daily commute to cross-country road trips, we cover what matters most with flexible plans designed for real American drivers.

Collision Coverage

Covers damage to your vehicle from accidents with other cars or objects, regardless of who is at fault. Essential for newer vehicles.

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Comprehensive Coverage

Protection against theft, vandalism, fire, hail, falling objects, and animal collisions. Covers non-accident damage to your car.

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Liability Protection

Covers bodily injury and property damage you cause to others in an accident. Required in most states and critical for financial protection.

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Medical Payments

Pays for medical expenses for you and your passengers after an accident, regardless of fault. Covers hospital bills, doctor visits, and more.

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Uninsured Motorist

Protects you if you are hit by a driver with no insurance or insufficient coverage. Also covers hit-and-run accidents.

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Roadside Assistance

24/7 towing, jump-starts, flat tire changes, lockout service, and fuel delivery. Never be stranded on the side of the road again.

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Trusted
Since Day One
Why Drivers Trust Us

We Do not Just Sell Policies -- We Stand By Them

Apex Auto Coverage has helped thousands of American drivers protect their vehicles and their families. Here is what sets us apart from the rest.

Lightning-Fast Claims

Our average claim is processed and paid quickly. When accidents happen, you cannot afford to wait weeks for help.

Dedicated Agents

Every policyholder gets a personal agent who knows your name, your vehicle, and your coverage inside and out.

Fully Customizable Plans

Only pay for what you need. Add roadside assistance, rental car coverage, gap insurance, or rideshare protection.

Manage Everything Online

File claims, update coverage, pay bills, and chat with support -- all from our easy-to-use mobile app.

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Simple Process

Get Covered in 3 Easy Steps

No paperwork mountains. No endless phone calls. Just straightforward auto coverage in minutes.

1

Tell Us About Your Vehicle

Answer a few quick questions about your car, driving history, and what you want to protect. Takes about 2 minutes.

2

Get Your Custom Quote

Our system instantly compares rates and coverage options to build a plan that is perfect for your budget and needs.

3

Activate and Drive

Sign digitally, pay your first premium, and you are covered. Your insurance cards arrive by email within minutes.

Real Stories

What Our Customers Say

Do not take our word for it. Here is what real drivers across America have to say about their experience with Apex Auto Coverage.

"

When someone rear-ended me on the highway, I called at 10 PM expecting voicemail. A real person answered, and I had an adjuster assigned by morning. My car was in the shop 2 days later and the rental was covered. Incredible service.

DJ
Derek JohnsonDriver in Dallas, TX
"

I have been with three different insurers over the past decade. Apex is the first one that actually feels like they care. My agent, Sarah, checks in every year to make sure my coverage still fits my life and my new car.

LW
Lisa WilliamsDriver in Seattle, WA
"

We saved $647 a year switching to Apex, and somehow got better coverage including roadside assistance. The online quote tool was shockingly easy -- no pushy sales tactics, just honest numbers. My whole family is now insured with them.

BM
Brian MitchellDriver in Atlanta, GA

Ready to Protect What Drives You?

Join thousands of American drivers who trust Apex Auto Coverage. Get your personalized quote in under 60 seconds -- no commitment, no pressure, just real protection at a fair price.

Get My Free Quote Call 605-223-0275

Prefer to talk? Call us at 605-223-0275. Agents available 24/7.

Common Questions

Everything You Need to Know

Got questions? We have got answers. Here is what most drivers ask before getting covered with Apex.

Auto insurance agent inspecting vehicle damage
What does auto insurance actually cover?

Standard auto insurance includes liability coverage (bodily injury and property damage to others), collision coverage (damage to your car from accidents), and comprehensive coverage (theft, vandalism, weather, animal hits). We also offer medical payments, uninsured motorist protection, and roadside assistance as add-ons.

How much does auto insurance cost?

The national average is around $1,700 per year, but your rate depends on factors like your vehicle, location, driving record, age, and coverage level. At Apex, plans start as low as $29/month. The best way to know your exact cost is to get a personalized quote -- it takes 60 seconds and there is zero obligation.

How fast are claims processed?

Our average claim is processed and paid quickly. For accidents and emergencies, we have a 24/7 hotline and can dispatch an adjuster the same day. We know that after an accident, every hour matters -- that is why we built our claims process to be as fast as possible.

Can I bundle auto and home insurance?

Absolutely. Bundling your auto and home insurance with Apex can save you up to 25% on both policies. Plus, you get the convenience of one bill, one agent, and one company to call when you need help. Ask your agent about bundle discounts when you get your quote.

Do you insure high-risk or DUI drivers?

Yes. We work with drivers of all risk levels, including those with accidents, tickets, or DUI history on their record. While rates may be higher for high-risk drivers, we shop multiple carriers to find you the most affordable option. Everyone deserves quality coverage.

What happens if I need to file a claim at 2 AM?

Our claims hotline is staffed 24/7, 365 days a year with real human agents -- not bots. Call 605-223-0275 anytime, and we will walk you through the process, dispatch emergency services if needed, and get an adjuster assigned right away. Accidents do not wait for business hours, and neither do we.