Best Cheap Auto Insurance in Amarillo, Texas (2024)

State Farm offers the cheapest car insurance in Amarillo, with minimum-coverage policies as low as $36 per month.

Bob Phillips
Written byBob Phillips
Bob Phillips
Bob Phillips
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Bob has spent 15+ years helping people plan their financial lives. As a freelance writer, he’s covered insurance, mutual funds, stocks and bonds, and more.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated May 23, 2024

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Cheapest recent rates near Amarillo, Texas

Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $59/mo for full coverage in Amarillo and other Texas cities.

*Quotes generated for Insurify users in and around Amarillo, Texas within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Amarillo, Texas within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Amarillo’s place as the largest city in the Texas panhandle means it’s north of many comparable Texas communities. But fortunately for Amarillo residents, car insurance rates in the area are firmly south of those in other cities. 

If you live in Amarillo, you can expect to pay about $104 for liability-only coverage and $250 for full coverage — and you may be able to lower those rates even more. 

GEICO, Allstate, and State Farm are all known for providing cheap rates in the area, but the best insurer for you will depend on many factors, including your age, marital status, credit, and driving history.

This article will show you how you can find the best insurer for you in Amarillo.

Quick Facts
  • Texas law requires minimum liability coverage of 30/60/25.

  • Full coverage rates are 24% lower in Amarillo than in Houston.

  • Amarillo has the second-lowest liability-only rates in Texas.

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Best car insurance companies in Amarillo

The best car insurance company for you might not be the best for someone else. It’s all about matching an insurer’s offerings to your unique situation and requirements.

For instance, if you only need liability coverage, State Farm is the most affordable option. However, if you’re a teen driver or have a DUI on your record, you may find another insurer to have more favorable rates.

GEICO, Allstate, and State Farm continuously rank among the leaders in Amarillo, and while you may ultimately determine another insurer is the best choice for you, it never hurts to start your search here.

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$40/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$66/mo

Founded in 1936, GEICO incorporated as Government Employees Insurance Company and expanded beyond federal employees to achieve rapid growth in the ’90s and become a major insurer.

Pros
  • Offers a wide variety of discounts to further lower its rates

  • Comprehensive app and website

  • Customer service scores well

Cons
  • Higher than many competitors’ rates for drivers with a DUI

  • Gap insurance not available

  • Limited number of agents available

Read our GEICO review
Kimberly - May 22, 2024
Verified

Never Again

They are horrible at handling claims and make you feel bad.

Anita - May 22, 2024
Verified

Excellent

Good customer service. Megan Burrell is very helpful and professional.

Charles - May 22, 2024
Verified

Good Insurance

Awesome.

Best insurer for drivers with poor credit: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$86/mo

Founded in 1931 as part of Sears, Roebuck and Co., Allstate became a separate entity in 1993. It offers various insurance products, gaining prominence through strong marketing campaigns and a nationwide presence.

Pros
  • Easy to open a new policy, according to customers

  • New-car replacement and accident forgiveness available

  • Rideshare insurance available

Cons
  • Higher-than-average rates for teen drivers

  • Below-average customer satisfaction scores[1]

  • Mobile app ratings are average

Read our Allstate review
Roberta - May 22, 2024
Verified

Good

Allstate is good, however, I was looking for cheaper insurance.

Mikayla - May 22, 2024
Verified

Allstate's Higher Renewal Prices

They are an insurance company like the rest of them. Just like other insurance providers, they offer lower rates to attract your business. However, as always, when it's time for renewal, the prices just get higher, regardless of your driving record.

Wilford - May 21, 2024
Verified

Disappointed

It's expensive, but the same as all others.

Best insurer for drivers with clean records: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$36/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$61/mo

State Farm opened its doors in 1922 on the idea that farmers should pay less for insurance since their risks were different from city drivers’ risks. Today, the company offers a range of products, from auto insurance to home insurance coverage.

Pros
  • Offers rideshare coverage

  • Travel expense and rental car coverage available

  • Safe driver discount available

Cons
  • Doesn’t offer gap insurance

  • Has fewer discounts than many other companies

  • Rates for drivers with poor credit can be higher

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Cheapest liability-only car insurance in Amarillo: State Farm

Texas state law mandates that you must have liability car insurance that meets the state’s minimum required insurance coverage of $30,000 for injuries per person, up to a total of $60,000 per accident and $25,000 for property damage.[2]

Liability car insurance coverage provides two types of protection: property damage and bodily injury.

If you have a liability-only auto insurance policy, the property damage coverage will take care of expenses like:

  • The other driver’s vehicle repairs

  • Repairs to a store’s wall if you crash into it

  • Removal of a tree you knock over

  • Defense and court costs if the other driver or their passengers sue you

Bodily injury coverage takes care of expenses related to injuries that you’re legally responsible for causing, including:

  • Medical expenses

  • Pain and suffering

  • Lost wages

When you have a minimum coverage policy with property damage and bodily injury liability coverage, it’s crucial to keep in mind that it’ll only cover the damages and injuries you cause to others in an accident. It won’t cover any repair costs for your vehicle or any medical bills you may have incurred as a result of the accident.

Here, you can see a list of the lowest liability-only quotes available in Amarillo.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
State Farm36
GEICO40
Allstate52
Mile Auto52
Hugo54
USAA65
Safeco77
Nationwide82
Mercury86
Midvale Home & Auto94
Progressive94
Dairyland100
Clearcover106
Chubb111
National General116
Liberty Mutual121
Elephant122
Direct Auto126
21st Century128
Commonwealth Casualty129
The General136
GAINSCO147
Bristol West152
State Auto170
AssuranceAmerica171
Infinity183
Hallmark203
Foremost209
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Amarillo: State Farm

If you’re financing or leasing your vehicle, your lender may require you obtain a full-coverage policy. While liability-only insurance covers expenses incurred by the other driver, their passengers, and their car, full coverage provides protection for you, your passengers, and your vehicle.

Full-coverage car insurance includes:

  • Collision insurance pays for damage to your vehicle, regardless of who’s at fault.

  • Comprehensive insurance covers damage caused by theft, vandalism, weather events, and accidents involving animals.

  • Towing and labor coverage helps if your car breaks down or is inoperable because of an accident.

  • Rental car expense provides access to a rental car while your car is being repaired after a covered accident.

  • Gap coverage pays the difference between the vehicle’s actual cash value and the balance you owe on the loan or lease.

  • Personal injury protection (PIP) covers your medical expenses and lost wages after an accident, regardless of fault. You can opt out of this coverage if you’d like to.

You can also add many optional features to full-coverage policies, which will vary by insurer.

Here, you can see a collection of average monthly quotes for full coverage from insurers across the area.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
State Farm61
GEICO66
Allstate86
Mile Auto107
USAA108
Clearcover136
Hugo138
Mercury138
Nationwide156
Safeco163
Progressive165
Midvale Home & Auto167
Chubb185
Elephant205
21st Century213
AssuranceAmerica228
Liberty Mutual252
Direct Auto255
National General255
Dairyland257
Infinity285
The General285
Bristol West303
State Auto309
GAINSCO321
Commonwealth Casualty337
Foremost427
Hallmark441
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Texas

In order to drive legally in the state of Texas, your insurance coverage must meet at least the minimum requirements listed below.

CoverageMinimum Requirements
Bodily injury liability
  • $30,000 for injury or death of per person
  • $60,000 for injury or death of two or more people
Property damage liability
  • $25,000
Important Information

These limits will be increasing for policies effective on or after Jan. 1, 2025. The new minimum requirements will be $50,000/$100,000 for bodily injury liability and $25,000 for property damage liability.

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Cheapest car insurance for drivers with an incident

If you’ve received a speeding ticket, caused an accident, driven under the influence, or committed another serious driving violation, your insurance company may increase your rates. In the following sections, you’ll see how different incidents can affect your rates.

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Cheapest car insurance for drivers with a speeding ticket

When you get a speeding ticket, it’s important to know that many auto insurers will increase your rates, but some won’t. However, if you receive two or more speeding tickets within a three-year period, an increase to your rates is all but guaranteed.

Here, you can see examples of what you can expect to pay with a speeding ticket on your record. On average, Amarillo drivers with a speeding ticket pay $358 for full coverage.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm7946
GEICO8652
Allstate11167
USAA14084
Mile Auto14973
Clearcover178139
Hugo18974
Mercury192120
Nationwide204107
Progressive215122
Safeco215102
Midvale Home & Auto224126
Chubb243146
21st Century284171
Elephant293175
AssuranceAmerica303227
Direct Auto335165
Dairyland336131
Liberty Mutual361173
National General365166
The General374179
Infinity385247
Bristol West390196
State Auto436240
GAINSCO460210
Commonwealth Casualty482185
Hallmark574264
Foremost611299
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

If you cause an accident, your insurance rates will likely go up. However, some insurance companies offer accident-forgiveness programs that prevent rate increases for certain types of accidents or offer relief after a specific period of accident-free coverage. You can ask about such policy options when pursuing options from the insurers below.

An at-fault accident in Amarillo could boost your premiums to a monthly average of $159 for liability insurance.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm8449
GEICO9155
Allstate11972
USAA14990
Mile Auto16279
Hugo18572
Clearcover199155
Mercury202126
Nationwide217114
Safeco218103
Progressive232132
Midvale Home & Auto243137
Chubb257154
Elephant279166
21st Century300180
AssuranceAmerica316237
National General350159
Dairyland355138
Direct Auto360178
Liberty Mutual379182
Infinity388249
The General401191
Bristol West412207
GAINSCO430197
Commonwealth Casualty459176
State Auto469258
Hallmark591272
Foremost642314
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Insurers see a DUI as a very serious incident, and a hike in your rates may be a best-case scenario. In some cases, insurance companies may choose to cancel your coverage or decline to provide you with new coverage altogether.

Here, you can see the quotes you can expect for insurance with a DUI on your record. On average, Amarillo drivers with a DUI conviction pay $180 for liability-only coverage.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm10461
GEICO11268
Allstate14689
Mile Auto16681
USAA184111
Mercury213133
Clearcover232181
Hugo23592
Nationwide266140
Safeco278131
Progressive281160
Midvale Home & Auto284160
Chubb315189
Elephant349208
21st Century363218
AssuranceAmerica388291
Liberty Mutual429206
Direct Auto434215
National General434198
Dairyland438170
Infinity485312
The General485232
Bristol West516259
State Auto526290
GAINSCO547250
Commonwealth Casualty574220
Foremost727356
Hallmark751346
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

As a young adult, you likely experienced the burden of high car insurance costs. And as you reached your mid-30s, you likely enjoyed the lower rates that come with experience. Unfortunately, those premiums will rise again as you reach senior status, commonly around age 70 and beyond. This is true even if you have a clean driving record.

Car insurance for senior drivers tends to cost more for a few reasons. First, statistics show that older drivers are more prone to getting into accidents than younger adults.[3] Another important factor is that if a senior does get into an accident, the injuries sustained are usually more severe, resulting in higher medical bills and more expensive costs for the insurance company.[4]

The monthly average car insurance cost for Amarillo seniors is $128. Here’s a collection of the best quotes available for seniors in Amarillo.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm3118
GEICO3722
Allstate4929
Mile Auto5929
USAA6137
Hugo7128
Mercury7446
Nationwide7640
Progressive7643
Clearcover8163
Midvale Home & Auto8749
Chubb8853
Safeco9746
21st Century11167
Elephant11971
AssuranceAmerica12795
Liberty Mutual14067
Direct Auto14371
Dairyland15460
Infinity155100
National General16374
State Auto16993
Bristol West18090
The General18186
GAINSCO21297
Commonwealth Casualty21783
Foremost243119
Hallmark251115
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

It’s a sad reality that teen drivers have a higher frequency of crashes. In fact, they’re almost four times as likely to be involved in a crash as drivers who are 20 years or older, per mile driven.[5]

This higher rate of accidents is likely because many teens and college students have just obtained their driver’s license. As such, they tend to drive recklessly, drive while distracted, and have limited experience in navigating road hazards such as icy winter roads or the heavy rain and hail that come during spring storms in Amarillo. Alcohol also plays a major role in many accidents involving teenagers and young adults.

Fortunately, young people can save money by staying on their parents’ insurance, driving a safe car, and earning good grades. Some insurers also offer discounts for good drivers and accident-free records.

The average monthly cost of car insurance for teen drivers in Amarillo is $304.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
GEICO10161
State Farm10159
Allstate14789
USAA175105
Mile Auto20398
Hugo23592
Mercury245153
Clearcover258201
Nationwide260137
Midvale Home & Auto284160
Progressive291166
Elephant330196
Chubb332199
Safeco334158
21st Century346208
AssuranceAmerica413310
Dairyland420164
The General449214
Direct Auto454225
Liberty Mutual458220
National General464211
Bristol West503252
Infinity510327
State Auto534294
GAINSCO561257
Commonwealth Casualty583223
Foremost738361
Hallmark765352
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Amarillo

Car insurance is not inexpensive, so finding the best coverage for the lowest price is important. You have some effective ways to lessen your car insurance costs in Amarillo, including:

  • Add multiple cars or family members to your policy.

  • Bundle your auto insurance with renters insurance, life insurance, or homeowners insurance.

  • Maintain a clean driving record.

  • Review your deductibles and coverage limits with insurance professionals.

  • Install safety and anti-theft devices on your car.

  • Compare insurers by getting multiple quotes.

Find Car Insurance in Amarillo

Rates start as low as $36/mo. for liability coverage

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Amarillo car insurance quotes by credit tier

In Texas, insurance companies are allowed to consider your credit history when setting your car insurance rates. This is important because research shows that people with lower credit scores are more likely to make claims. Therefore, if your credit score is lower, your insurance rate will likely be higher.

As the table below shows, drivers with excellent or good credit scores typically pay significantly less than drivers with poor credit scores.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Amarillo?

The good news is that car insurance in Amarillo is less expensive than in most other cities in Texas. This is especially true when comparing Amarillo to major metro areas, like Houston and Dallas. This could be due to the increased frequency of crime and accidents in these metro areas, as well as the higher cost of repairing vehicles there.

More cities in Texas

Here, you can see how the average full-coverage quotes in Amarillo compare to those of other cities in Texas.

CityAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Arlington$254$126
Austin$240$128
Dallas$284$137
El Paso$219$93
Fort Worth$245$123
Houston$320$170
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Amarillo car insurance FAQs

Looking for more information on how to secure the best car insurance rates in Amarillo? Check out the answers presented here.

  • How much is car insurance in Amarillo?

    The average price of car insurance in Amarillo is $104 for liability-only coverage and $250 for full coverage. This makes Amarillo less expensive than larger metro areas like Dallas and Houston. However, the premium you pay for car insurance in Amarillo could vary based on your credit history, driving record, age, and other factors.

  • What are the cheapest car insurance companies in Amarillo?

    State Farm has the cheapest car insurance rates in Amarillo, averaging $36 per month for liability-only coverage. Amarillo drivers can also find savings with GEICO and Allstate, which offer average liability rates of $40 and $52, respectively.

  • What are the best car insurance companies in Amarillo?

    GEICO, Allstate, and State Farm rank as three of the top insurers in Amarillo. Each offers competitive rates, with State Farm having the lowest rates in the area. They all also have commendable Insurify Quality Scores, with GEICO at 4.2, Allstate at 4.1, and State Farm at 4.4. Finally, all have been recognized for their financial stability, customer service, and/or mobile offerings.

  • What are the minimum car insurance requirements in Texas?

    Texas state law mandates that you must have liability car insurance that meets the state’s minimum required coverage of $30,000 for bodily injuries per person, up to a total of $60,000 per accident, and $25,000 for property damage.[2]

    These limits will increase for policies effective on or after Jan. 1, 2025. The new minimum requirements will be $50,000/$100,000 for bodily injury liability and $25,000 for property damage liability.

  • Is Texas a no-fault state?

    No. Texas is an at-fault, or tort, state. This means if you’re deemed at fault for an auto accident, you’ll be responsible for paying the claims of the other party involved in the accident.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
  2. Texas Department of Insurance. "Automobile Insurance Guide."
  3. IIHS. "Older Drivers."
  4. CDC. "Older Adult Drivers."
  5. IIHS. "Teenagers."
Bob Phillips
Bob Phillips


Having spent more than 15 years helping people plan their lives financially, Bob
mastered many different financial products to help people achieve their financial
goals, including life insurance, disability insurance, mutual funds, and stocks and
bonds. He earned the Chartered Life Underwriter (CLU) designation and held
numerous securities licenses. Bob is an internationally published poet and is now
a freelance writer living in North Texas with his wife and Doberman puppy.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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