Amarillo, TX Auto Insurance (2024)

Texas auto insurance rates are cheaper in Amarillo than in other major Texan cities. Our guide can help you secure cheap Amarillo, TX auto insurance by comparing rates by age, driving record, and credit history.

Amarillo, TX Auto Insurance Requirements

By law, Amarillo residents must carry the Texas minimum auto insurance limits.

Texas requires the following coverage levels:

• $30,000 per person and $60,000 per accident in bodily injury liability coverage.
• $25,000 per accident in property damage liability coverage.

Texas is an at-fault state. If you’re found liable for causing an accident, you’re responsible for any property damage or bodily injury claims.

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What Affects Auto Insurance Rates in Amarillo, TX

Factors affecting car insurance rates in Amarillo, TX may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Amarillo, TX car insurance.

Fortunately, Amarillo auto insurance is impacted by minimal traffic congestion and average auto theft statistics.

Cheapest Auto Insurance Companies in Amarillo, TX

Which Amarillo, TX car insurance company has the best rates? And how do those rates compare against the average rate of another Texas car insurance company? We’ve got the answers below.

The cheapest Amarillo, TX auto insurance company is USAA. Rates from this provider average $237 per month or $2,848 annually. However, only military personnel are eligible to buy policies through USAA. Learn more by checking out our USAA insurance review.

State Farm provides the next cheapest rates in Amarillo and is available to everyone. Our State Farm insurance review provides more information.

See a list of the top insurance companies in Amarillo, TX by annual rate, from cheapest to most expensive below:

• USAA – $2,848.92
• State Farm – $3,043.41
• Geico – $3,491.72
• Nationwide – $4,481.73
• Progressive – $4,901.79
• Allstate – $5,619.47
• American Family – $5,676.09

Your rates from these companies will vary based on personal variables. Factors that affect auto insurance rates include your age, ZIP code, driving history, and the level of coverage you require.

Monthly Amarillo, TX Auto Insurance Rates by Age

Amarillo, TX car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best for another age group.

Rates for teen drivers are higher overall, but State Farm and USAA remain the most affordable car insurance companies in Amarillo.

Monthly Amarillo, TX Auto Insurance Rates by ZIP Code

Calculating auto insurance rates by ZIP code will give you an average of what other drivers pay in your neighborhood. Check out the monthly Amarillo, TX insurance rates below:

ZIP code impacts your car insurance rates because factors like crime and traffic will increase your risk.

Monthly Amarillo, TX Auto Insurance Rates by Coverage

Your coverage level will play a major role in your Amarillo car insurance rates. Find the cheapest Amarillo, TX auto insurance rates by coverage level below:

Monthly Amarillo, TX Auto Insurance Rates by Credit Score

Find the cheapest Amarillo, TX car insurance rates by credit score below.

Your credit score will play a significant role in car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Learn how credit score impacts insurance rates.

Monthly Amarillo, TX Auto Insurance Rates by Driving Record

Your driving record has the biggest effect on your Amarillo car insurance rates. For example, a DUI may increase your car insurance rates by 40%-50%. This may lead you to wonder, is cheap auto insurance with a DUI possible? Find the cheapest Amarillo, TX car insurance rates by driving record.

Monthly Amarillo, TX Auto Insurance Rates by Gender

Texas auto insurance companies use gender when determining rates, and teen male drivers often pay the highest Amarillo, TX car insurance rates.

More states are passing laws making it illegal to use gender in auto insurance, including Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.

Compare Amarillo, TX Auto Insurance Rates to Other Major Cities

Some Texas cities have the least expensive commutes in the U.S., but how do Amarillo insurance rates stack up against other metro areas?

Amarillo car insurance is slightly more expensive than the state average but still more affordable than New York City or Los Angeles, two of the most congested cities in the country.

Compare Amarillo car insurance costs to the average annual prices from other Texan cities below:

• Auto insurance in San Antonio, TX costs $208 per month or $2,503 annually.
• Auto insurance in Dallas, TX costs $236 per month or $2,837 annually.
• Auto insurance in Houston, TX costs $251 per month or $3,018 annually.
• Auto insurance in Austin, TX costs $483 per month or $5,737 annually.

You can secure affordable Amarillo, TX auto insurance rates by comparing quotes online and seeking out discounts.

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Amarillo, TX Auto Insurance: The Bottom Line

Amarillo insurance costs are lower than other major Texan cities, but your rates will depend on your age, driving history, and where you live in the city. State Farm offers the cheapest auto insurance in Amarillo, with rates averaging 30% less than other companies. Military families in Amarillo will get the best rates from USAA.

Comparing auto insurance quotes online will give you the chance to see costs from multiple companies at once. Enter your ZIP code above to get free Amarillo, TX insurance quotes today.

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