120+ more*Quotes generated for Insurify users in and around Amarillo, Texas within the last 10 days. Last updated on July 10, 2026. 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 July 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Amarillo drivers pay an average of $98 per month for liability-only coverage and $217 per month for full coverage. Overall, Amarillo’s car insurance costs are similar to the Texas averages of $110 for liability coverage and $205 for full coverage.
When compared to the much larger city of Dallas, which has average car insurance costs of $187 per month, Amarillo’s costs seem more palatable. Amarillo’s costs are on par with its southern neighbor Lubbock, where drivers pay an average of $154 per month for car insurance.
The relatively low costs are in part due to Amarillo’s significantly lower population and its landlocked location, which makes it much less vulnerable to hurricanes.
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In general, Amarillo drivers pay slightly cheaper rates than the Texas average. State Farm offers Amarillo drivers the most affordable car insurance rates, at an average of $43 per month for liability-only coverage. For full-coverage car insurance, State Farm offers the lowest average rate for Amarillo drivers, at $85 per month.
Although Amarillo drivers don’t have to contend with hurricanes, high winds and tornadoes are a real risk.[1] To help protect against wind damage, Amarillo drivers might prefer the extra security that comes with a full-coverage policy.
In order to drive on Amarillo’s roads legally, you’ll need a minimum amount of liability coverage. Texas drivers must carry at least $30,000 in bodily injury coverage per person, $60,000 in bodily injury coverage per accident, and $25,000 in property damage coverage.[2]
The table below highlights the cheapest liability-only and full-coverage rates by insurance companies for Amarillo drivers.
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Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $43 | $85 |
| Allstate | $62 | $120 |
| Mile Auto | $64 | $141 |
| Progressive | $64 | $119 |
| GEICO | $70 | $147 |
| USAA | $78 | $152 |
| Mercury | $86 | $138 |
| First Acceptance | $87 | $213 |
| The General | $90 | $201 |
| Alinsco | $91 | $179 |
| Lone Star | $94 | $221 |
| Commonwealth Casualty | $97 | $211 |
| GAINSCO | $97 | $184 |
| Bristol West | $101 | $194 |
| Clearcover | $101 | $176 |
| Covercube | $101 | $233 |
| Root | $101 | $168 |
| Dairyland | $103 | $241 |
| AssuranceAmerica | $106 | $195 |
| Mendota | $106 | $207 |
| Sun Coast | $111 | $222 |
| Direct Auto | $113 | $179 |
| Safeco | $113 | $169 |
| National General | $117 | $193 |
| Loop | $119 | $220 |
| Elephant | $120 | $186 |
| Chubb | $132 | $259 |
| Trexis One | $137 | $285 |
| 21st Century | $152 | $299 |
| Liberty Mutual | $185 | $270 |
As a smaller city with more than 203,000 residents and a lower population density than major metropolitan areas like Dallas and Houston, Amarillo drivers face lower rates than drivers in either of these major cities.
Instead, Amarillo’s car insurance costs are on par with those of nearby Lubbock, both of which have slightly lower insurance premiums than the Lone Star State average of $158 per month.
You can explore the average car insurance costs by Texas cities in the table below.
City | Average Monthly Quote |
|---|---|
| Abilene | $138 |
| Amarillo | $158 |
| Arlington | $171 |
| Austin | $171 |
| Beaumont | $180 |
| Brownsville | $167 |
| Corpus Christi | $172 |
| Dallas | $187 |
| Denton | $160 |
| El Paso | $145 |
| Fort Worth | $163 |
| Galveston | $174 |
| Garland | $187 |
| Grand Prairie | $176 |
| Houston | $222 |
| Huntsville | $158 |
| Irving | $175 |
| Killeen | $154 |
| Laredo | $159 |
| Lubbock | $154 |
| McAllen | $180 |
| Mesquite | $188 |
| Midland | $151 |
| Odessa | $169 |
| Plano | $166 |
| San Antonio | $173 |
| San Marcos | $158 |
| Spring | $189 |
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For drivers in this Texas Panhandle city, safety is a top priority. But staying safe on its congested roads, like I-40 and I-27, can be challenging, especially when you throw the area’s dangerously high winds into the mix.
If you notice high wind conditions, consider avoiding the roads. If you can’t avoid driving in high winds, make sure to keep both hands on the wheel and watch for debris blowing across the road. Additionally, consider avoiding bridges and overpasses during high winds.
As Amarillo sits at an intersection of two major interstates, a lot of the traffic congestion in town comes from freight trucks rolling through. When driving in heavy trucking traffic, especially near Amarillo Boulevard, be careful and leave extra space when passing.
As an at-fault state, Texas requires drivers to pay for the auto accidents they cause.[3] But after an incident on the road, like a speeding ticket or car accident, the costs don’t end with a fine. Insurers will take driving records into account and charge more for people with incidents on their driving record.
Amarillo drivers with an incident pay an average of $189 per month for coverage.
Insurify data shows that 3.8% of Amarillo drivers have tickets, 0.4% have a driving while intoxicated (DWI) conviction, and 4.3% were found at fault in an accident. In 2024, Amarillo’s Police Department made more than 612 DWI arrests, signaling strict enforcement of drunk driving rules.
Explore average rates for Amarillo drivers by driving record in the table below.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $158 |
| Speeding ticket | $198 |
| At-fault accident | $210 |
| DUI | $220 |
When determining car insurance costs in Amarillo, car insurance companies consider the driver’s age. In the Lone Star State, 16-year-olds can get behind the wheel with a provisional license after completing the required driver education steps.[4]
In 2023, there were 460 teen driver fatalities in Texas.[5] As a result of risky driving behavior and lack of experience, teen drivers in Amarillo will see the highest rates, at an average of $308 per month.
Although car insurance costs tend to fall for Amarillo drivers as they age, rates might start to increase again as senior drivers age. Seniors make up around 15% of Amarillo’s drivers, and they pay an average rate of $134 per month.
The table below highlights the average costs by age for Amarillo drivers.
Age | Average Monthly Quote |
|---|---|
| Teens | $201 |
| 20s | $136 |
| 30s | $110 |
| 40s | $104 |
| 50s | $95 |
| 60s | $86 |
| 70+ | $90 |
*Quotes generated for Insurify users in and around Amarillo, Texas within the last 10 days. Last updated on July 10, 2026. 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 July 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
If you’re looking for more information on how to secure the best car insurance rates in Amarillo, check out the answers below.
Amarillo drivers pay an average of $158 per month for car insurance, according to Insurify data.
State Farm offers Amarillo drivers the cheapest car insurance, with quotes at $43 per month. Allstate and Progressive follow closely behind, with respective liability rates of $62 and $64 per month.
A few factors that affect Amarillo car insurance costs include your driving history, vehicle type, and the risk of severe weather, such as tornadoes, windstorms, and hailstorms in the area.[6]
Progressive tends to offer Amarillo drivers cheaper car insurance than GEICO. Its liability policies average $76 per month in Amarillo, while GEICO’s liability policies average $89.
Amarillo drivers looking for cheap car insurance should shop around to compare rates across multiple insurance companies. You should also seek out discounts wherever possible, improve your credit, and consider bundling car insurance with other insurance policies, like home insurance.[7]
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
Featured in
3+ years in insurance content
Host of Insurify‘s podcast “No Dumb Questions“
25 years teaching risk management and insurance course
Former commercial lines underwriter
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
