Cheapest Car Insurance Quotes in Amarillo, TX (2023)

Minimum-coverage car insurance in Amarillo, Texas, costs an average of $176 per month compared to the Texas average insurance rate of $263. Amarillo is home to approximately 200,000 people and located at the center of the Texas Panhandle.^[1] 

Several factors affect car insurance costs in Amarillo, but you can still find plenty of options for cheap car insurance. 

How much does car insurance cost in Amarillo?

Car insurance costs in Amarillo can vary widely depending on the insurer and how much coverage you need. It’s best to compare quotes to explore all your options and make sure you’re getting the best deal. Some factors that influence insurance rates include where you live, the type of car you drive, your age, gender, and driving history.^[2]

Insurify’s data scientists analyzed the latest insurance rates in the city to identify the cheapest quotes in Amarillo. 

• Safeco offers the cheapest liability-only insurance coverage in Amarillo, at $83 a month.

• Mile Auto offers the cheapest full-coverage insurance in Amarillo, at $172 a month.

• Mile Auto also offers the cheapest insurance for new and young drivers in Amarillo, at $173 a month.

Learn More: Cheap Car Insurance in Texas

Cheapest car insurance in Amarillo: Safeco

1

Safeco

Best Cheap Car Insurance Amarillo

Safeco has the cheapest liability-only car insurance in Amarillo, at just $83 per month. Safeco is a member of Liberty Mutual group and partners with licensed agents throughout the country to offer car insurance policies. Safeco also offers discounts, such as accident forgiveness and a diminishing deductible if you don’t file a claim by the time your policy renews.

Here are average monthly quotes for cheap car insurance in Amarillo, Texas. 

How much car insurance do you need in Amarillo?

Most states require drivers to have liability or minimum car insurance coverage. Texas requires drivers to carry a minimum of:

• $30,000 per bodily injury per person

• $60,000 per accident for bodily injury

• $25,000 per accident for property damage

You must carry proof of insurance in your car to show when requested by law enforcement or renewing your vehicle registration.^[3]

Texas DMV information

Amarillo is located in both Potter and Randall counties. The Texas Department of Motor Vehicles (DMV) has several locations for Amarillo drivers to receive services, such as renewing their driver’s license, vehicle registration, and buying license plates. 

Drivers can even conduct some of these services online through the Texas DMV website.

Tips for getting cheap car insurance in Amarillo

To get cheaper car insurance premiums in Amarillo, focus on factors that you can control and ask about insurer discounts. Insurers may offer discounts for bundling your car insurance with renters or homeowners insurance. You may also get discounts for driving a vehicle with anti-theft technology or not filing a claim for a predetermined time.^[4]

Maintaining a clean driving record and shopping around for quotes can also help you save. Try to gather quotes from at least three different insurance companies. This will help you compare coverage options from different insurers to get a better deal.^[4]

“The most important factors when it comes to car insurance pricing [are] your driving record and your vehicle because you will pay more if you have driving violations,” says Daniel Roccato, clinical professor of finance at the University of San Diego. “To score a lower insurance bill, boring is always better. Your heart may want a sports car, but your wallet will be happier with a sedan.”

Learn More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Amarillo 

Age is another important factor that affects car insurance rates. Young drivers have less driving experience, which increases the risk that they’ll need to file a claim. Insurers have also found that older drivers tend to have fewer accidents than younger drivers.^[2]

The higher risk can contribute to higher car insurance rates for people younger than 25, but tend to drop past this age. Here are the average monthly car insurance rates in Amarillo, Texas, based on age group. 

Cheapest car insurance for young drivers in Amarillo

Mile Auto has the cheapest car insurance for young drivers in Amarillo who drive less than 10,000 miles a year. If you drive more than 10,000 miles per year, you may still save with another insurer like Travelers. Car insurance companies may also provide discounts for students with good grades or for college students who keep their car at home while away at college.^[5]  

Below are the average monthly rates for full-coverage car insurance for young drivers in Amarillo.

Cheapest car insurance for middle-aged drivers in Amarillo

Mile Auto has the cheapest car insurance for middle-aged drivers in Amarillo, at $105 a month. You may also see cheap car insurance rates by maintaining a good credit score.^[2] Also, see if your insurer offers a discount for bundling car insurance with homeowners insurance as well as keeping a clean driving record.^[4]

Cheapest car insurance for senior drivers in Amarillo

The cheapest car insurance for senior drivers in Amarillo is with Apparent and Assurance America, both offering quotes at an average of $105 a month. Seniors in Amarillo can keep car insurance costs low by keeping a clean driving record and taking advantage of low-mileage discounts for infrequent drivers.^[2] 

How credit scores affect cheap car insurance in Amarillo

You could pay a higher or lower car insurance premium based on your credit score. Insurers can factor in both your personal credit score and insurance credit score when determining your rates. While your personal credit score shows delinquent accounts and whether you pay bills on time, your insurance score is based on the likelihood that you’ll file an insurance claim and how much that claim will cost.^[6]

A lower credit score could cause your insurance rates to increase. Some states prohibit insurers from factoring your credit score into car insurance rates, but Texas is not one of these states.^[7]

A personal credit score of 700 or higher is considered good, according to Experian. To improve your credit score, pay down credit cards and other debts, keep your credit utilization low, and avoid accumulating too many hard inquiries.^[8]

The table below shows the average monthly quote for full-coverage car insurance based on your credit score. 

Learn More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Amarillo

Your driving history has a direct impact on your car insurance rates. Good drivers who don’t have moving violations or at-fault accidents on their record tend to pay lower car insurance rates. If you’ve filed a claim for an accident or got a violation such as a DUI, you can still get coverage with some insurers — but you may pay a lot more. 

Accidents can stay on your record for up to three years, but some insurers offer accident forgiveness, which means they won’t raise rates if it’s your first accident. 

Cheapest car insurance with an accident in Amarillo: Progressive

Progressive offers the cheapest car insurance for Amarillo drivers with accidents on their records, at an average of $128 a month. An at-fault accident on your record can increase your car insurance rates, so it’s important to shop around for the right coverage that you need and fits your budget.

Cheapest car insurance with a speeding ticket in Amarillo: Clearcover 

Like accidents, speeding tickets can affect your car insurance monthly premium. Speeding is considered risky behavior, and insurers may increase rates to cover the risk speeding drivers pose.^[2] Clearcover offers the cheapest car insurance in Amarillo after a speeding ticket, at an average of $209 a month.

Car insurance in other Texas cities

Car insurance rates vary greatly from city to city, even within the same state. Here’s a look at car insurance rates in some other Texas cities:

• Cheapest Car Insurance Quotes in Dallas, TX

• Cheapest Car Insurance Quotes in Houston, TX

• Cheapest Car Insurance Quotes in San Antonio, TX

• Cheapest Car Insurance Quotes in Austin, TX

• Cheapest Car Insurance Quotes in Corpus Christi, TX

Find local Amarillo agents

Amarillo car insurance rates FAQs