Cheap Auto Insurance Quotes in Amarillo, TX (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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.

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Cheapest Car Insurance in Amarillo, TX

Here are the cheapest carriers in Amarillo for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Amarillo. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Amarillo, TX Driving Facts

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.

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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 AgeAvg. Monthly Cost
teens$489
20s$294
30s$214
40s$275
50s$265
60s$250
70s$184
80s$192
Driving HistoryAvg. 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 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.

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 TieAvg. Monthly Cost
Excellent$256
Good$287
Average$270
Poor$241

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.

Conclusion: 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Amarillo stacks up for the state of Texas:

ford
Ford F-Series Pickup
Most Popular Car in
Amarillo, TX
suspended licenses
#33
Cities with Most
Suspended Licenses Rank

FAQs - Amarillo, TX Car Insurance

What are the minimum requirements for car insurance in Amarillo?

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.

Will my credit score impact my car insurance rates in Amarillo?

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.

What is the penalty for driving without car insurance in Amarillo?

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.