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Cheap Auto Insurance Quotes in Amarillo, TX (May 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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While Amarillo is somewhat walkable and has some transit options, most residents commute to work in their cars. To make sure the average 17-minute commute is safe and legal, all Amarillo drivers should have auto insurance.
Quick Facts
- The average cost of car insurance in Amarillo is $222 per month, or $2664 annually.
- Car insurance in Amarillo is $7 more than the average cost of car insurance in Texas.
- The cheapest car insurance provider in Amarillo on average is Progressive, but you should always compare quotes to find your best personal rate.
Car Insurance in Amarillo, TX
The average cost of Texas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Amarillo, TX to find you the cheapest quotes in the area.
Quotes by Top Companies
State Farm$144
Direct Auto$190
Mercury$211
American Family$229
Nationwide$236
Cheapest Car Insurance in Amarillo, TX
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Amarillo | Quotes |
|---|---|
| State Farm | $144 /mo |
| Direct Auto | $190 /mo |
| Mercury | $211 /mo |
| American Family | $229 /mo |
| Nationwide | $236 /mo |
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Best Car Insurance in Amarillo, TX
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Amarillo. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| Clearcover | 97 | $127 /mo |
| Nationwide | 89 | $258 /mo |
| American Family | 89 | $272 /mo |
| Safeco | 86 | $155 /mo |
| Liberty Mutual | 82 | $262 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Texas Cities | |
|---|---|
| Houston | $222/mo |
| San Antonio | $225/mo |
| Dallas | $258/mo |
| Austin | $203/mo |
| Amarillo | $226/mo |
| Texas | $227/mo |
Austin$203
Houston$222
San Antonio$225
Amarillo$226
Average for TX$227
Dallas$258
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in TX
All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Texas are as follows:
- $30,000/$60,000 bodily injury liability per person/accident
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Texas state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance providers list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Texas law.
- $25,000 propery damage liability per accident
The state minimum amount of property damage liability coverage required in the state of Texas is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Amarillo Car Insurance Rates by Driver Age
Teenagers in Amarillo pay a hefty price for car insurance at $488 per month. In the Lone Star State, driving experience equals paying a lower cost for monthly premiums. That’s why a few years behind the wheel cuts the bill down by over $175 for twentysomethings. The prices continue to slide down, with everyone but those in their 40s paying less than the state average of $270. People in their 70s pay the least at $183, which is $300 per month or $3,600 a year cheaper than the youngest drivers.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $489 |
| 20s | $294 |
| 30s | $214 |
| 40s | $275 |
| 50s | $265 |
| 60s | $250 |
| 70s | $184 |
| 80s | $192 |
Amarillo Car Insurance Rates by Driving and Accident History
Safe driving is also financially savvy driving in Amarillo. Insurance companies agree and pass their “good driver” and “accident-free” discounts on to people with clean driving records. A glance at the failure-to-stop ticket average monthly rate of $396, and saving $150 per month becomes more than enough reason not to run a red light. A speeding ticket also adds more than a $100 monthly expense. Fortunately, violations and accidents stop hurting drivers’ prices after three years.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $246 |
| Speeding Ticket | $361 |
| At-Fault Accident | $319 |
| Failure to Stop for Red Light / Stop Sign | $396 |
Amarillo Car Insurance Rates by Credit Tier
Many Texans ask what credit has to do with their ability to drive. But the state’s insurance companies think otherwise, and they believe they have the data to prove it. It’s perfectly legal to use drivers’ credit when deciding rates in Texas and most other states in the U.S. If that’s so, why do people with poor credit pay less than those with better credit? People with better credit can afford to finance costlier vehicles and need higher coverage levels to protect their assets. That said, moving from good to excellent credit offers savings of more than $300 per year.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $256 |
| Good | $287 |
| Average | $270 |
| Poor | $241 |
See More: Bad Credit Car Insurance Texas
Find local Amarillo agents
INSURICA
300 S. Polk St.,
Ste. 600, Amarillo, TX 79101Cortez Insurance Agency
3611 S Soncy Rd,
Amarillo, TX 79119-6408Fairly Group
P.O. Box 1149,
Amarillo, TX 79105-1149Williams-Boyce Agency, LLP
P.O. Box 1070,
Amarillo, TX 79105Gower & Company
P.O. Box 9156,
Amarillo, TX 79105Reyna Brown Insurance Division of IMI Insurance Inc.
5641 E AMARILLO BLVD STE 200,
Amarillo, TX 79107Automatic Ins Agcy
1619 S Kentucky #508A,
Amarillo, TX 79102-2277TWFG - Karen Kaiser
3131 Bell St. #104,
Amarillo, TX 79106Upshaw Insurance Agency, Inc.
P.O. Box 1299,
Amarillo, TX 79105-1299NCW A Heritage Risk Management Company
P.O. Box 506,
Amarillo, TX 79105
Amarillo, TX DMV Information
Amarillo has three DMVs: two that handle registration and titling, and one that handles driver’s licenses.
Public Transportation in Amarillo, TX
Amarillo also has about a dozen bus routes, and Amarillo City Transit (ACT) offers the One Ride mobile app to help you plan your trips. Rideshare services such as Uber and Lyft also operate in Amarillo, with Lyft being the cheapest option. Less than 1 percent of Amarillo residents use public transportation, and households have an average of two cars. Since Amarillo residents rely on their cars to get to work, it’s important for households to get a robust car insurance policy that covers both vehicles. But car insurance in Amarillo can set you back; the average premium is $226 per month. That’s about on par with the state and national averages, but it’s possible to get a lower rate if you compare customized quotes from different providers.
How to get the best and cheapest car insurance in Amarillo, TX
Auto insurance in Amarillo doesn’t have to cost an arm and a leg. It’s possible to get the coverage you need at a rate you can afford if you use Insurify to compare premiums across car insurance companies.
An estimated 14 percent of drivers in Texas do not have car insurance. Knowing that’s the case, you may want to add uninsured motorist coverage to your auto policy. To get the cheapest rate on a full coverage policy, use Insurify to compare premiums across providers.
FAQs - Amarillo, TX Car Insurance
Under Texas law, you need to have at least $60,000 in coverage for injuries per accident (at least $30,000 per person). You’ll also need at least $25,000 in liability coverage for property damage. But this minimum coverage won’t be sufficient to keep most Amarillo drivers out of financial hardship after an accident. Consider getting a full coverage policy to ensure damages are covered if you cause an accident. Yes. Most insurers in Texas will want to run a credit check and use your score to determine your premium. That’s because people with higher credit scores tend to file fewer claims. Insurance providers will use your credit-based insurance score, rather than your traditional FICO score, to assess your premium, so the credit check shouldn’t have any effect on your score. First-time offenders face a fine of up to $350 in addition to court costs, and if you’re caught a second time, you could owe up to $1,000 and have your license suspended for two years. And since Texas is not a no-fault state, you’ll also be on the hook for damages and injuries if you get in an accident while uninsured, which can cost thousands.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Amarillo Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Amarillo, Texas below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Amarillo drivers measure up to their fellow motorists across Texas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Amarillo
#47
City with the Most Speeding Tickets Rank in Texas
#67
City with the Most Moving Violations Rank in Texas
#139
City with the Most DUIs Rank in Texas
#87
City with the Most Suspended Licenses in Texas
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Amarillo drivers rank 107 in the number of car accidents per driver across all cities in Texas.
- Rank within state: #107
- Percent of drivers in Amarillo with an accident: 9.48%
- Drivers in Amarillo, TX with an accident in their driving history pay on average 39.2% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, Amarillo drivers rank 47 in the number of speeding infractions per driver.
- Rank within state: #47
- Percent of drivers in Amarillo with a speeding ticket: 9.95%
- Drivers in Amarillo, TX with a speeding ticket in their driving history pay on average 46.23% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Amarillo drivers rank 139 in the number of DUI’s per driver across all cities in Texas.
- Rank within state: #139
- Percent of drivers in Amarillo with a DUI: 0.98%
- Drivers in Amarillo, TX with a DUI in their driving history pay on average 25.13% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Amarillo is the Ford F-Series Pickup.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, Amarillo drivers rank 21 in rude driving infractions.
- Rank within state: #21
- Percent of drivers in Amarillo with a reckless driving violation: 1.91%
- Drivers in Amarillo, TX with a reckless driving violation in their driving history pay on average 64.82% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Amarillo drivers rank 63 in clean driving records across all cities in Texas.
- Rank within state: #63
- Percent of drivers in Amarillo with clean record: 81.78%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Amarillo drivers rank 2 in failure to yield violations per driver across all cities in Texas.
- Rank within state: #2
- Percent of drivers in Amarillo with a failure to yield violation: 0.51%
- Drivers in Amarillo, TX with a failure to yield violation in their driving history pay on average 1000% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, Amarillo drivers rank 16 in the number of reckless driving offenses per driver.
- Rank within state: #16
- Percent of drivers in Amarillo with a reckless driving offense: 0.04%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Amarillo drivers rank 150 in hybrid and electric vehicle ownership across all cities in Texas.
- Rank within state: #150
- Percent of drivers in Amarillo with a hybrid/electric vehicle: 0.39%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.
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