Best Cheap Auto Insurance in Amarillo, Texas (2024)
State Farm offers the cheapest car insurance in Amarillo, with minimum-coverage policies as low as $35 per month.
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Written byBob Phillips
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15+ years in personal finance advising and writing
Holds Chartered Life Underwriter (CLU) designation
Bob has spent 15+ years helping people plan their financial lives. As a freelance writer, he’s covered insurance, mutual funds, stocks and bonds, and more.
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Data reviewed byKonstantin Halachev
)
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.
Updated November 21, 2024
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Table of contents
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 $104 for liability-only coverage and $234 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.
Quick Facts
Texas law requires minimum liability coverage of 30/60/25.
Full coverage rates are 24% lower in Amarillo than in Houston.
Amarillo has the second-lowest liability-only rates in Texas.
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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
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $37/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $70/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Founded in 1936, GEICO incorporated as Government Employees Insurance Company and expanded beyond federal employees to achieve rapid growth in the ’90s and become a major insurer.
Pros
Offers a wide variety of discounts to further lower its rates
Comprehensive app and website
Customer service scores well
Cons
Higher than many competitors’ rates for drivers with a DUI
Gap insurance not available
Limited number of agents available
Best insurer for drivers with poor credit: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $49/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $91/mo |
4.0
Best choiceBased on 5648 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,073)
Rodney
November 20, 2024
Verified Review
Lower Insurance
The insurance is too high.
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Founded in 1931 as part of Sears, Roebuck and Co., Allstate became a separate entity in 1993. It offers various insurance products, gaining prominence through strong marketing campaigns and a nationwide presence.
Pros
Easy to open a new policy, according to customers
New-car replacement and accident forgiveness available
Rideshare insurance available
Cons
Higher-than-average rates for teen drivers
Below-average customer satisfaction scores[1]
Mobile app ratings are average
Best insurer for drivers with clean records: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $35/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $64/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm opened its doors in 1922 on the idea that farmers should pay less for insurance since their risks were different from city drivers’ risks. Today, the company offers a range of products, from auto insurance to home insurance coverage.
Pros
Offers rideshare coverage
Travel expense and rental car coverage available
Safe driver discount available
Cons
Doesn’t offer gap insurance
Has fewer discounts than many other companies
Rates for drivers with poor credit can be higher
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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $35 |
| GEICO | $37 |
| Allstate | $49 |
| Mile Auto | $53 |
| USAA | $62 |
| Nationwide | $78 |
| Mercury | $81 |
| Progressive | $94 |
| Safeco | $95 |
| Dairyland | $101 |
| Chubb | $106 |
| Clearcover | $116 |
| National General | $116 |
| 21st Century | $121 |
| Direct Auto | $122 |
| The General | $122 |
| Bristol West | $127 |
| Commonwealth Casualty | $128 |
| Elephant | $135 |
| GAINSCO | $156 |
| Liberty Mutual | $186 |
| Foremost | $209 |
| State Auto | $233 |
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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $64 |
| GEICO | $70 |
| Allstate | $91 |
| Mile Auto | $108 |
| USAA | $115 |
| Mercury | $139 |
| Nationwide | $144 |
| Progressive | $163 |
| Safeco | $169 |
| Clearcover | $173 |
| Chubb | $194 |
| Elephant | $222 |
| 21st Century | $225 |
| Direct Auto | $234 |
| National General | $239 |
| Dairyland | $261 |
| The General | $267 |
| Bristol West | $271 |
| Liberty Mutual | $306 |
| GAINSCO | $331 |
| Commonwealth Casualty | $353 |
| State Auto | $430 |
| Foremost | $444 |
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.
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability |
|
| Property damage liability |
|
Important Information
These limits will be increasing for policies effective on or after Jan. 1, 2025. The new minimum requirements will be $50,000/$100,000 for bodily injury liability and $25,000 for property damage liability.
Cheapest recent rates near Amarillo, Texas
Drivers in and around Amarillo, Texas have found policies from Clearcover, Bristol West, Liberty Mutual, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Amarillo, Texas within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. 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 November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $319 for full coverage.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $81 | $44 |
| GEICO | $90 | $47 |
| Allstate | $116 | $63 |
| Mile Auto | $139 | $68 |
| USAA | $147 | $79 |
| Nationwide | $186 | $101 |
| Mercury | $191 | $111 |
| Progressive | $207 | $120 |
| Safeco | $219 | $123 |
| Clearcover | $223 | $149 |
| Chubb | $252 | $138 |
| 21st Century | $298 | $160 |
| Direct Auto | $300 | $156 |
| Elephant | $306 | $186 |
| National General | $308 | $149 |
| Dairyland | $334 | $129 |
| The General | $348 | $159 |
| Bristol West | $349 | $164 |
| Liberty Mutual | $422 | $257 |
| GAINSCO | $457 | $215 |
| Commonwealth Casualty | $487 | $177 |
| State Auto | $593 | $322 |
| Foremost | $612 | $288 |
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 $151 for liability insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $86 | $47 |
| GEICO | $95 | $50 |
| Allstate | $124 | $67 |
| Mile Auto | $151 | $74 |
| USAA | $156 | $84 |
| Nationwide | $198 | $107 |
| Mercury | $202 | $118 |
| Progressive | $223 | $129 |
| Safeco | $228 | $128 |
| Clearcover | $253 | $170 |
| Chubb | $265 | $145 |
| Elephant | $296 | $180 |
| 21st Century | $314 | $169 |
| Direct Auto | $325 | $170 |
| National General | $325 | $158 |
| Dairyland | $352 | $136 |
| Bristol West | $368 | $172 |
| The General | $370 | $169 |
| GAINSCO | $431 | $203 |
| Liberty Mutual | $443 | $269 |
| Commonwealth Casualty | $470 | $170 |
| State Auto | $635 | $344 |
| Foremost | $643 | $303 |
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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $105 | $58 |
| GEICO | $115 | $61 |
| Allstate | $150 | $81 |
| Mile Auto | $178 | $87 |
| USAA | $190 | $102 |
| Mercury | $212 | $123 |
| Nationwide | $237 | $129 |
| Safeco | $258 | $145 |
| Progressive | $269 | $155 |
| Clearcover | $285 | $191 |
| Chubb | $320 | $175 |
| Elephant | $366 | $222 |
| 21st Century | $371 | $199 |
| Direct Auto | $386 | $201 |
| National General | $394 | $191 |
| Dairyland | $430 | $166 |
| The General | $440 | $201 |
| Bristol West | $447 | $209 |
| Liberty Mutual | $504 | $307 |
| GAINSCO | $545 | $257 |
| Commonwealth Casualty | $582 | $211 |
| State Auto | $709 | $384 |
| Foremost | $732 | $344 |
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 $134. Here’s a collection of the best quotes available for seniors in Amarillo.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $37 | $20 |
| GEICO | $44 | $23 |
| Allstate | $58 | $31 |
| Mile Auto | $64 | $32 |
| USAA | $75 | $40 |
| Nationwide | $79 | $43 |
| Progressive | $84 | $48 |
| Mercury | $92 | $54 |
| Chubb | $103 | $56 |
| Safeco | $127 | $71 |
| 21st Century | $131 | $70 |
| Clearcover | $134 | $90 |
| Direct Auto | $145 | $76 |
| National General | $146 | $71 |
| Elephant | $154 | $94 |
| Dairyland | $171 | $66 |
| Bristol West | $177 | $83 |
| The General | $181 | $83 |
| Liberty Mutual | $212 | $129 |
| State Auto | $241 | $131 |
| Commonwealth Casualty | $250 | $91 |
| GAINSCO | $251 | $118 |
| Foremost | $295 | $139 |
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 $311.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $115 | $63 |
| GEICO | $117 | $62 |
| Allstate | $169 | $91 |
| USAA | $201 | $108 |
| Mile Auto | $217 | $106 |
| Mercury | $256 | $149 |
| Nationwide | $262 | $142 |
| Progressive | $298 | $172 |
| Clearcover | $331 | $222 |
| Safeco | $338 | $190 |
| Elephant | $376 | $228 |
| Chubb | $385 | $210 |
| 21st Century | $397 | $214 |
| Dairyland | $439 | $170 |
| The General | $443 | $202 |
| Direct Auto | $445 | $232 |
| Bristol West | $476 | $223 |
| National General | $488 | $237 |
| Liberty Mutual | $547 | $333 |
| GAINSCO | $595 | $280 |
| Commonwealth Casualty | $635 | $230 |
| State Auto | $795 | $431 |
| Foremost | $821 | $386 |
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 $35/mo. for liability coverage
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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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
City ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| Arlington | $248 | $126 |
| Austin | $241 | $131 |
| Dallas | $277 | $133 |
| El Paso | $202 | $97 |
| Fort Worth | $237 | $120 |
| Houston | $322 | $174 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Amarillo car insurance FAQs
Looking for more information on how to secure the best car insurance rates in Amarillo? Check out the answers presented here.
How much is car insurance in Amarillo?
The average price of car insurance in Amarillo is $104 for liability-only coverage and $234 for full coverage. This makes Amarillo less expensive than larger metro areas like Dallas and Houston. However, the premium you pay for car insurance in Amarillo could vary based on your credit history, driving record, age, and other factors.
What are the cheapest car insurance companies in Amarillo?
State Farm has the cheapest car insurance rates in Amarillo, averaging $35 per month for liability-only coverage. Amarillo drivers can also find savings with GEICO and Allstate, which offer average liability rates of $37 and $49, respectively.
What are the best car insurance companies in Amarillo?
GEICO, Allstate, and State Farm rank as three of the top insurers in Amarillo. Each offers competitive rates, with State Farm having the lowest rates in the area. They all also have commendable Insurify Quality Scores, with GEICO at 4.2, Allstate at 4.1, and State Farm at 4.4. Finally, all have been recognized for their financial stability, customer service, and/or mobile offerings.
What are the minimum car insurance requirements in Texas?
Texas state law mandates that you must have liability car insurance that meets the state’s minimum required coverage of $30,000 for bodily injuries per person, up to a total of $60,000 per accident, and $25,000 for property damage.[2]
These limits will increase for policies effective on or after Jan. 1, 2025. The new minimum requirements will be $50,000/$100,000 for bodily injury liability and $25,000 for property damage liability.
Is Texas a no-fault state?
No. Texas is an at-fault, or tort, state. This means if you’re deemed at fault for an auto accident, you’ll be responsible for paying the claims of the other party involved in the accident.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Texas
Sources
- J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
- Texas Department of Insurance. "Automobile Insurance Guide."
- IIHS. "Older Drivers."
- CDC. "Older Adult Drivers."
- IIHS. "Teenagers."
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Bob Phillips
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