Best Cheap Auto Insurance in Amarillo, Texas (2023)

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 $103 for liability-only coverage and $235 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.

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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

Best insurer for drivers with poor credit: Allstate

Best insurer for drivers with clean records: State Farm

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, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	37
GEICO	40
Mile Auto	47
Allstate	52
USAA	66
Safeco	78
Nationwide	89
Midvale Home & Auto	91
Progressive	91
Mercury	93
Dairyland	99
Clearcover	106
Chubb	112
National General	114
Liberty Mutual	116
Elephant	118
Commonwealth Casualty	119
Direct Auto	126
21st Century	129
GAINSCO	136
The General	141
Bristol West	152
AssuranceAmerica	158
State Auto	169
Infinity	176
Foremost	202
Hallmark	213

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, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	61
GEICO	66
Allstate	86
Mile Auto	88
USAA	109
Clearcover	133
Mercury	145
Travelers	148
Nationwide	152
Progressive	156
Midvale Home & Auto	164
Safeco	166
Stillwater	180
Elephant	184
Chubb	185
AssuranceAmerica	213
21st Century	214
Direct Auto	221
Liberty Mutual	232
Dairyland	244
National General	253
Bristol West	265
Infinity	265
The General	275
Commonwealth Casualty	294
GAINSCO	297
State Auto	310
Foremost	377
Hallmark	414

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.

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 $320 for full coverage.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	83	50
GEICO	90	54
Allstate	117	71
Mile Auto	120	64
USAA	148	90
Clearcover	181	144
Mercury	197	127
Nationwide	207	121
Progressive	212	124
Midvale Home & Auto	223	124
Safeco	226	106
Elephant	250	161
Chubb	252	152
AssuranceAmerica	290	215
21st Century	291	176
Direct Auto	301	171
Liberty Mutual	316	158
Dairyland	332	135
National General	344	155
Bristol West	361	207
Infinity	361	240
The General	374	192
Commonwealth Casualty	400	162
GAINSCO	404	185
State Auto	422	230
Foremost	513	275
Hallmark	563	290

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 $150 for liability insurance.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	89	54
GEICO	96	58
Allstate	126	76
Mile Auto	129	69
USAA	159	96
Clearcover	194	155
Mercury	212	136
Nationwide	222	130
Progressive	228	133
Midvale Home & Auto	240	133
Safeco	242	114
Elephant	269	172
Chubb	270	164
AssuranceAmerica	311	231
21st Century	313	188
Direct Auto	323	184
Liberty Mutual	339	169
Dairyland	356	145
National General	370	166
Bristol West	387	222
Infinity	387	257
The General	402	206
Commonwealth Casualty	429	174
GAINSCO	434	199
State Auto	453	247
Foremost	551	295
Hallmark	605	311

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 $171 for liability-only coverage.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	101	61
GEICO	110	66
Allstate	143	86
Mile Auto	146	78
USAA	181	110
Clearcover	221	176
Mercury	241	154
Nationwide	252	148
Progressive	259	151
Midvale Home & Auto	272	151
Safeco	276	130
Elephant	306	196
Chubb	307	186
AssuranceAmerica	354	262
21st Century	355	214
Direct Auto	367	209
Liberty Mutual	385	193
Dairyland	405	164
National General	420	189
Bristol West	440	252
Infinity	440	292
The General	457	234
Commonwealth Casualty	488	198
GAINSCO	493	226
State Auto	515	281
Foremost	626	335
Hallmark	687	354

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 $118. Here’s a collection of the best quotes available for seniors in Amarillo.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	32	19
GEICO	35	21
Allstate	45	27
Mile Auto	46	25
USAA	57	35
Clearcover	70	56
Mercury	76	49
Nationwide	80	47
Progressive	82	48
Midvale Home & Auto	86	48
Safeco	87	41
Chubb	97	59
Elephant	97	62
AssuranceAmerica	112	83
21st Century	113	68
Direct Auto	116	66
Liberty Mutual	122	61
Dairyland	128	52
National General	133	60
Bristol West	139	80
Infinity	139	93
The General	145	74
Commonwealth Casualty	155	63
GAINSCO	156	72
State Auto	163	89
Foremost	198	106
Hallmark	218	112

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 $290.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	105	63
GEICO	113	69
Allstate	147	89
Mile Auto	151	81
USAA	187	113
Clearcover	228	182
Mercury	248	159
Nationwide	260	153
Progressive	267	156
Midvale Home & Auto	281	156
Safeco	284	134
Elephant	315	202
Chubb	317	192
AssuranceAmerica	365	271
21st Century	367	221
Direct Auto	379	216
Liberty Mutual	398	199
Dairyland	418	170
National General	434	195
Bristol West	454	260
Infinity	454	302
The General	471	242
Commonwealth Casualty	504	204
GAINSCO	509	233
State Auto	531	290
Foremost	646	346
Hallmark	709	365

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 $37/mo. for liability coverage

Enter your ZIP codeSee My Quotes

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Based on 3,806+ reviews

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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.

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.

Amarillo car insurance FAQs