Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Written by Chelsey Tucker
Insurance Expert Chelsey Tucker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 28, 2022

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Company Details
President: No President Known
Address: 11612 Bee Caves Rd Ste 2-100
City: Austin
State: Texas
ZIP Code: 78738
Phone Number: 877-764-8679
Toll Free: No Toll Free Number Known
Year Founded: 2016

The Lowdown

  • Apparent Insurance only provides coverage to customers in Texas
  • Apparent Insurance provides the typical auto insurance options
  • Apparent Insurance has been rated an A+ by the BBB

Apparent Insurance provides auto insurance for families in Texas. The young company offers the typical coverages and some additional options. The company has competitive rates, but customers can lower the costs by combining multiple discounts.

Knowing more about Apparent Insurance will help you determine if the company is right for you.

Before jumping into this Apparent Insurance review, enter your ZIP code to find free auto insurance rates in your area.

Does Apparent Insurance have competitive rates?

Apparent Insurance focuses on providing coverage to families, which often includes more than one person on a policy. Currently, the company only provides coverage to customers in Texas but could be expanding to other states in the future.

Comparing affordable Apparent auto insurance rates will help you determine if the price is right for you. The following chart compares the average Apparent monthly cost of a full coverage policy in Texas with other companies in the state:

Apparent Insurance Average Monthly Full Coverage Rates vs. Other Companies in Texas

CompanyAverage Monthly Full Coverage Rates in Texas
Direct Auto$196
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As you can see, Apparent has lower rates than some competitors but is more expensive than others. However, rates depend on various factors, so Apparent might be a cheaper option depending on your circumstances.

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What coverages are available from Apparent Insurance?

Insurance companies sell coverage individually, so there isn’t just one policy to purchase. These individual options allow customers to choose the best combination for their needs. For this reason, customers should know which coverages are available and what each one entails.

Apparent Insurance provides the most common types of auto insurance and some additional options. The following table shows the coverages offered by Apparent and how those coverages protect drivers:

Apparent Insurance Auto Coverages

Auto Insurance TypesPurpose of Coverage
Bodily injury liabilityPays for medical bills if someone else suffers an injury in an accident caused by you.
Property damage liabilityLiability coverage that covers the cost of any property damage you’ve caused in an accident.
CollisionCovers damage to your car after an accident.
ComprehensiveCovers damage to your car when you’re not driving.
Personal injury protectionCovers medical expenses for you and your passengers after an accident.
Uninsured/underinsured motoristCovers the costs if you’re in an accident caused by a driver with little or no car insurance.
Medical expensesCovers medical costs caused by an accident regardless of who is at fault.
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The required amount of insurance in most states is liability coverage. However, purchasing additional coverages will protect your family in all situations. Buying all of these coverages together is known as full coverage.

In addition to these typical options, Apparent Insurance customers can add other coverages to their plans. Some of these additional insurance options include:

  • Rental car coverage: Provides a vehicle when your car is out of use due to an accident.
  • Custom equipment coverage: Pays to replace custom equipment in your vehicle.
  • Accident forgiveness: Rates won’t increase after your first at-fault accident.

The company also offers roadside assistance, which you can add to a policy for a small fee. Customers that choose to include this service will receive the following support:

  • Gas delivery
  • Flat tire repair
  • Towing
  • Locksmith service

Apparent doesn’t provide roadside service itself, but through a partnership with the roadside assistance company, Urgently. Customers can request assistance by calling Urgently at 1-888-871-6410. You can also contact an Apparent Insurance agent at 1-877-764-8679, and they’ll connect you with Urgently.

Adding roadside assistance or any of the company’s less traditional coverages will increase your Apparent auto insurance quotes.

What discounts are available from Apparent Insurance?

Car insurance can be expensive for parents, especially if multiple drivers need coverage. Fortunately, customers can combine various discounts to decrease their monthly rates. Like the best insurance companies, Apparent Insurance offers multiple discounts.

Apparent Insurance lists its most popular discounts and their descriptions on its website. The following table shows the Apparent auto insurance company discounts and driver eligibility:

Apparent Insurance Auto Discounts

Auto DiscountDiscount Eligibility
Good driverDriver has no at-fault accidents or offenses.
Good studentHigh school or college students with at least a 3.0 grade point average.
HomeownerInsured owns a single-family home.
Multi-carInsure more than one car on a single auto insurance policy.
Multi-policyBundling different types of insurance.
Paperless documentsInsured signs up for paperless documents.
Paid in fullPolicy is paid in one payment.
Spin-off policyChild of a customer buys a new policy with Apparent.
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The company offers fewer discounts than many competitors but enough to lower your rates. In addition to auto insurance, the company provides other types of insurance that customers can bundle for further savings, including:

  • Home insurance
  • Renters insurance
  • Motorcycle insurance
  • Life insurance

When inquiring about quotes, ask an agent about available discounts to ensure you get the most savings. Additionally, the agent will help you determine which deals are available for your specific situation.

How is Apparent Insurance rated?

Credit rating agencies regularly rate insurance companies on financial strength, determining the company’s ability to provide a payout. However, none of the most popular rating agencies have completed an Apparent Insurance review.

Fortunately, Apparent Insurance receives financial backing from the Admiral Insurance Group. The most respected credit rating agencies have rated Admiral, including A.M. Best and S&P. The parent company’s ratings indicate Apparent’s financial strength.

The Admiral Insurance Group has been rated an A+ by A.M. Best and S&P. These ratings are superior and show that the company’s subsidiaries will provide a payout when customers file a claim.

The Better Business Bureau (BBB) also rates insurance companies based on business practices and complaints. The BBB has given Apparent an A+ rating after receiving one complaint about the company over the past three years.

Five Apparent customers have left reviews on the BBB website, with the average rating being one out of five stars. However, the BBB’s A+ rating indicates that the company is transparent and has few complaints about a company of its size.

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How can you buy Apparent Insurance?

Customers looking to buy Apparent auto insurance can do so by phone or online. Those that prefer to purchase coverage online must fill out a quick survey to receive an accurate quote. Then they can buy a policy.

Customers can also buy a policy by calling and speaking with an agent. Those preferring to purchase coverage by phone can call the Apparent Insurance phone number at 1-877-764-8679.

How can you make Apparent Insurance payments?

Apparent allows customers to make payments online through the company’s customer portal. When purchasing a policy, customers will create an Apparent Insurance login to get access to this part of the website.

Apparent accepts various types of payment for policies. The multiple ways to pay Apparent auto insurance rates include:

  • Automatic online payment
  • Credit card
  • Direct deposit
  • Debit card
  • Electronic check
  • Money transfer

In addition to making payments, customers can use the Apparent customer portal to make policy changes and view documents.

How can you file claims?

Apparent Insurance customers can file claims by phone, online, or email. Those that wish to file a claim by phone can call 1-877-764-8679 during business hours. The company’s hours of operation include:

  • Monday-Friday 7am-7pm (CST)
  • Saturday 8am-5pm (CST)

Customers can make online claims by accessing the claims section on the website. They can also file claims via email by contacting [email protected]

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How can you cancel an Insurance policy?

While the company allows customers to purchase coverage and make payments online, customers must call an agent to cancel a policy. The website says that an insurance specialist will speak with you about your concerns and cancel your coverage if necessary.

What is the companies history?

Apparent insurance started in early 2016, focusing on providing parents with insurance coverage. The company began with financial backing from the Admiral Insurance Group, which has over six million customers in seven companies. The company remains a subsidiary of the Admiral Insurance Group today.

The Bottom Line

Apparent auto insurance provides coverage for parents and their families. The company offers the typical policies and some additional options. Currently only available in Texas, Apparent offers various other types of insurance that customers can combine into one convenient plan.

Learning more about Apparent Insurance will help you determine if the company is a good fit for you.

Now that you know about Apparent Insurance, enter your ZIP code to get free auto insurance quotes in your area.

Is Apparent Insurance The Right Fit for You? (2022) Additional Information

Is Apparent Auto Insurance The Right Fit for You? [2022] is a company that was incorporated in 2016. Is Apparent Auto Insurance The Right Fit for You? [2022] is a insurance company and has assets of , capital of $, and net surplus of $.

The president of Is Apparent Auto Insurance The Right Fit for You? [2022] is , the treasurer is , and the secretary is . Is Apparent Auto Insurance The Right Fit for You? [2022] insurance plans include

Is Apparent Auto Insurance The Right Fit for You? [2022] is located in Austin, Texas and the phone number for Is Apparent Auto Insurance The Right Fit for You? [2022] claims, customer, service, and additional information is 877-764-8679.

Is Apparent Auto Insurance The Right Fit for You? [2022] Insurance Quotes

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