Compare Amarillo, TX Car Insurance Rates (2021)

Car insurance in Amarillo, TX averages $358 a month. Amarillo, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Amarillo car insurance rates, compare quotes from the top car insurance companies in Amarillo, TX.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Amarillo is 79118
  • The cheapest car insurance company in Amarillo is USAA
  • Average car insurance rates in Amarillo, TX are $4,295/year

If you need to buy Amarillo, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Amarillo, TX is right here.

You’ll find Amarillo car insurance rates, the cheapest Amarillo, TX car insurance companies, and information on Texas car insurance laws. You can also compare Amarillo, Texas car insurance rates to Plano car insurance rates, San Antonio car insurance rates, and Austin car insurance rates.

Ready to find affordable Amarillo, TX car insurance today? Enter your ZIP code for fast, free Amarillo car insurance quotes.

Cheapest Amarillo, TX Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Amarillo, TX car insurance rates? Every Amarillo, Texas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Amarillo, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,703 $3,757 $3,662 $3,662 $9,382 $11,392 $4,587 $4,812
American Family $3,796 $4,157 $3,259 $3,683 $8,362 $11,137 $5,149 $5,865
GEICO $2,623 $2,802 $2,466 $2,752 $5,662 $5,910 $2,845 $2,873
Nationwide $2,818 $2,881 $2,475 $2,640 $7,904 $10,245 $3,300 $3,592
Progressive $2,686 $2,586 $2,361 $2,421 $10,710 $11,955 $3,207 $3,288
State Farm $2,121 $2,121 $1,889 $1,889 $5,114 $6,524 $2,309 $2,381
USAA $1,870 $1,918 $1,764 $1,798 $4,811 $5,348 $2,511 $2,772

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Minimum Car Insurance in Amarillo, TX

Every driver must carry the minimum car insurance in Amarillo, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car Insurance Coverage in Amarillo, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Amarillo, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Amarillo, TX. Compare credit history car insurance rates in Amarillo from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Amarillo, Texas

Insurance Company Poor Fair Good
Allstate $7,172 $5,226 $4,461
American Family $8,064 $4,800 $4,164
GEICO $5,397 $3,049 $2,029
Nationwide $5,401 $4,304 $3,741
Progressive $5,563 $4,755 $4,388
State Farm $4,312 $2,682 $2,136
USAA $4,258 $2,388 $1,901

Cheapest Amarillo, TX Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Amarillo, TX to rates for a clean record with top companies.

Annual Amarillo, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,449 $6,669 $6,912 $4,449
American Family $5,210 $6,542 $5,743 $5,210
GEICO $2,960 $3,879 $3,299 $3,828
Nationwide $3,865 $3,865 $5,809 $4,388
Progressive $4,277 $5,479 $5,012 $4,839
State Farm $2,702 $3,102 $3,668 $2,702
USAA $2,151 $3,116 $3,659 $2,471

Cheapest Amarillo, TX Car Insurance for Teen Drivers

Teen car insurance in Amarillo, TX can be expensive. Take a look at rates from the top car insurance companies in Amarillo for teenagers.

Annual Car Insurance Rates for Teen Drivers in Amarillo, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,382 $11,392
American Family $8,362 $11,137
GEICO $5,662 $5,910
Nationwide $7,904 $10,245
Progressive $10,710 $11,955
State Farm $5,114 $6,524
USAA $4,811 $5,348

Cheapest Amarillo, TX Car Insurance for Seniors

Take a look at Amarillo, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Amarillo, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,662 $3,662
American Family $3,259 $3,683
GEICO $2,466 $2,752
Nationwide $2,475 $2,640
Progressive $2,361 $2,421
State Farm $1,889 $1,889
USAA $1,764 $1,798

Cheapest Amarillo, TX Car Insurance Rates After a DUI

A DUI in Amarillo, TX increases car insurance rates. Compare Amarillo, Texas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Amarillo, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,912
American Family $5,743
GEICO $3,299
Nationwide $5,809
Progressive $5,012
State Farm $3,668
USAA $3,659

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Cheapest Amarillo, TX Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Amarillo, TX by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Amarillo, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,491 $5,748
American Family $5,676 $5,676
GEICO $3,422 $3,561
Nationwide $4,482 $4,482
Progressive $4,902 $4,902
State Farm $3,043 $3,043
USAA $2,811 $2,887

Cheapest Amarillo, TX Car Insurance Rates by ZIP Code

Amarillo car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Amarillo, TX.

Annual Car Insurance Rates by ZIP Code in Amarillo, Texas

ZIP Code Average Annual Rates
79101 $6,023
79102 $6,117
79103 $6,165
79104 $6,279
79106 $6,106
79107 $6,382
79108 $6,302
79109 $6,179
79110 $6,104
79111 $6,128
79118 $5,974
79119 $6,012
79121 $6,159
79124 $6,473
79178 $6,130

The Best Cheap Car Insurance Companies in Amarillo, TX

Take a look at a side-by-side comparison of the top car insurance companies in Amarillo, TX to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Amarillo, Texas

Insurance Company Average Annual Rates
Allstate $5,619
American Family $5,676
GEICO $3,492
Nationwide $4,482
Progressive $4,902
State Farm $3,043
USAA $2,849

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Category Winners: Cheapest Car Insurance in Amarillo, Texas

Find the cheapest car insurance companies in Amarillo, TX for each category right here.

Best Annual Car Insurance Rates by Company in Amarillo, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident State Farm
With 1 DUI GEICO
With 1 Speeding Violation USAA

Cheapest Amarillo, TX Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Amarillo car insurance rates. Find the cheapest Amarillo, TX car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Amarillo, Texas

Insurance Company Low Medium High
Allstate $5,495 $5,573 $5,790
American Family $5,422 $5,547 $6,059
GEICO $3,343 $3,461 $3,670
Nationwide $4,876 $4,285 $4,284
Progressive $4,718 $4,882 $5,106
State Farm $2,894 $3,038 $3,197
USAA $2,774 $2,841 $2,932

What affects car insurance rates in Amarillo, Texas?

What factors can have an impact on Amarillo, TX car insurance? There are several reasons why Amarillo car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Amarillo, Texas.

Car Theft in Amarillo

High levels of vehicle theft can make car insurance more expensive. Amarillo, TX car theft statistics from the FBI indicate 910 vehicle thefts a year.

Commute Time in Amarillo

The more time you spend in your car the higher the risk of an accident. The average commute length in Amarillo, TX is 18.2 minutes according to City-Data.

Traffic in Amarillo

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Amarillo, TX traffic data from INRIX ranks Amarillo as the 518th-most congested in the world.

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Compare Car Insurance Quotes in Amarillo, TX

Ready to find affordable Amarillo, Texas car insurance today? Enter your ZIP code for fast, free Amarillo, TX car insurance quotes.

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