Cheap Auto Insurance Quotes in Amarillo, TX (2021)

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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.

$144
$190
$211
$229
$236
State FarmDirect AutoMercuryAmerican FamilyNationwide

Cheapest Car Insurance in Amarillo

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

$227
$222
$225
$258
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$226
TexasHoustonSan AntonioDallasAustinAmarillo

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Amarillo, TX Driving Facts

texas

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.

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.

Driving History
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.

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.

Find local Amarillo agents

INSURICA 
300 S. Polk St., Ste. 600, Amarillo, TX 79101
Cortez Insurance Agency 
3611 S Soncy Rd, Amarillo, TX 79119-6408
Fairly Group 
P.O. Box 1149, Amarillo, TX 79105-1149
Williams-Boyce Agency, LLP 
P.O. Box 1070, Amarillo, TX 79105
Gower & Company 
P.O. Box 9156, Amarillo, TX 79105
Reyna Brown Insurance Division of IMI Insurance Inc. 
5641 E AMARILLO BLVD STE 200, Amarillo, TX 79107
Automatic Ins Agcy 
1619 S Kentucky #508A, Amarillo, TX 79102-2277
TWFG - Karen Kaiser
3131 Bell St. #104, Amarillo, TX 79106
Upshaw Insurance Agency, Inc. 
P.O. Box 1299, Amarillo, TX 79105-1299
NCW A Heritage Risk Management Company 
P.O. Box 506, Amarillo, TX 79105

Insurify Insights: How Amarillo Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Amarillo, TX
suspended licenses
#54
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Amarillo drivers measure up to their fellow Texas motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Amarillo

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Amarillo drivers rank 107 in the number of car accidents per driver across all cities in Texas.

  • Rank within state: #107
  • Percent of drivers in Amarillo with an accident: 9.48%
  • Drivers in Amarillo, TX with an accident in their driving history paid on average 39.2% more than drivers with a clean record

Speeding Amarillo

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, Amarillo drivers rank 47 in the number of speeding infractions per driver.

  • Rank within state: #47
  • Percent of drivers in Amarillo with a speeding ticket: 9.95%
  • Drivers in Amarillo, TX with a speeding ticket in their driving history paid on average 46.23% more than drivers with a clean record

DUI/DWIs Amarillo

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Amarillo drivers rank 139 in the number of DUI’s per driver across all cities in Texas.

  • Rank within state: #139
  • Percent of drivers in Amarillo with a DUI: 0.98%
  • Drivers in Amarillo, TX with a DUI in their driving history paid on average 25.13% more than drivers with a clean record

Most Popular Vehicle Amarillo

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Amarillo is the Ford F-Series Pickup.

Rude Amarillo

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, Amarillo drivers rank 21 in rude driving infractions.

  • Rank within state: #21
  • Percent of drivers in Amarillo with a reckless driving violation: 1.91%
  • Drivers in Amarillo, TX with a reckless driving violation in their driving history paid on average 64.82% more than drivers with a clean record.

Safest Drivers Amarillo

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Amarillo drivers rank 63 in clean driving records across all cities in Texas.

  • Rank within state: #63
  • Percent of drivers in Amarillo with clean record: 81.78%

Failure to Yield the Right of Way Amarillo

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Amarillo drivers rank 2 in failure to yield violations per driver across all cities in Texas.

  • Rank within state: #2
  • Percent of drivers in Amarillo with a failure to yield violation: 0.51%
  • Drivers in Amarillo, TX with a failure to yield violation in their driving history paid on average 1000% more than drivers with a clean record

Reckless Drivers Amarillo

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, Amarillo drivers rank 16 in the number of reckless driving offenses per driver.

  • Rank within state: #16
  • Percent of drivers in Amarillo with a reckless driving offense: 0.04%

Hybrid/Electric Vehicle Ownership Amarillo

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Amarillo drivers rank 150 in hybrid and electric vehicle ownership across all cities in Texas.

  • Rank within state: #150
  • Percent of drivers in Amarillo with a hybrid/electric vehicle: 0.39%

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.