Car Insurance in Amarillo, TX
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Car insurance in Amarillo, TX, is legally mandated for all Texas drivers. It protects you financially if you’re ever in an accident or if your car gets damaged or stolen. Under the current Texas car insurance requirements, your policy needs to include at least liability coverage. Most drivers also choose to add collision, comprehensive, or uninsured motorist coverage.
This article covers everything you need to know about buying car insurance in Amarillo, including average rates, top insurance providers, local prices, and tips to help you save money.
Average Car Insurance Rates in Amarillo, TX
Auto insurance in Amarillo, TX, costs an average of $758 for a six-month premium. That’s roughly $126 per month or $1,516 per year.
Car insurance rates in Amarillo are slightly higher than the statewide six-month premium average, which is estimated at $707. But it’s still lower than the national average of $1,084.
Keep in mind that these numbers are approximate, and estimates vary depending on methodology.
[SOURCE: The Zebra: "Amarillo, TX Car Insurance."]
Top Car Insurance Companies in Amarillo
There are many excellent auto insurance providers that serve the Amarillo area. While the ideal insurer and policy for you will depend on your specific needs and driving history, having a basic understanding of your options can be helpful when searching for coverage.
Best for Budget Coverage
If your goal is to get basic coverage at the lowest possible price, then the top providers to consider include:
- Progressive: Provides excellent digital tools with flexible pricing options
- USAA: Good choice for military families in need of comprehensive coverage at a reasonable price
- GAINSCO: Dallas-based provider that’s considered an affordable option for high-risk drivers who struggle to find inexpensive coverage
- Texas Farm Bureau: Known for offering the cheapest minimum liability coverage, according to some estimates
Best for Full Coverage Plans
If you're looking for full coverage and you're willing to pay a bit more for comprehensive or specialized protection, here are some good options:
- VIVA Insurance: Independent local agency that provides tailored policy options and is recognized for excellent customer service
- Cortez Insurance Agency: Known for going above and beyond to provide individualized policies and post-accident support
- Allstate: Good option for those in need of specialized coverage, such as accident forgiveness
- Liberty Mutual: Offers robust bundling options and full-spectrum coverage, but is more expensive than other options
What Affects Car Insurance Rates in Amarillo
Insurance companies set your rates based on a risk-benefit analysis. To determine how risky it is to cover you, they look at the following factors.
Your Driving Record
A clean record helps get you the best rates. You may face higher premiums if you have a history of accidents, speeding tickets, or other traffic violations. The impact is usually more severe for those with repeat offenses, DUIs, or at-fault collisions on their record. Your insurance history also matters. Recent gaps in coverage can lead to higher premiums.
Local Conditions
The cost of car insurance in Texas varies by ZIP code. Insurers will take into account local traffic conditions, weather risks, crime rates, and accident statistics when they set your rates.
Amarillo has a higher percentage of uninsured drivers compared to other areas, which can increase uninsured motorist premiums. You may also face higher comprehensive insurance premiums due to the risk of hail and tornado damage.
Your Age, Gender, and Marital Status
Younger drivers usually have to pay higher premiums because they’re considered riskier to insure. Those under the age of 25 face the highest rates. Men pay higher premiums than women on average, while married drivers are often offered lower rates.
Your Car
Expensive and specialty cars cost insurers more to cover, so they usually come with higher premiums. Cars that have high theft rates (like Chevy and Ford trucks) also tend to raise monthly costs for auto insurance in Amarillo. You may be charged more if you tend to drive a lot or use your car for rideshare or delivery purposes.
Coverage and Deductibles
Opting for higher coverage limits usually means paying higher premiums. If you get full coverage (liability, collision, and comprehensive) or choose lower deductibles, you’ll pay more for your policy, but you’ll also be better protected if you get in an accident.
Your Credit Score
Texas allows insurers to use your credit score to help determine your car insurance rates. Even if you have a clean driving record and are otherwise considered low-risk, a poor credit score can raise your premiums.
Tips for Getting Cheap Car Insurance in Amarillo
Here are some tried and true strategies to help you secure cheap car insurance in Texas without sacrificing essential coverage:
- Shop around and get multiple competing quotes.
- Compare national and regional insurers to find the best offers.
- Try bundling your auto insurance with homeowners or renters insurance for better rates.
- Ask about discounts you may qualify for (e.g., military/veteran, low-mileage, safe driver, or student discounts).
- Maintain a clean driving record by avoiding speeding tickets and DUIs.
- Follow the Texas car registration renewal and replacement rules.
- Consider accepting higher deductibles for a lower monthly premium.
- Work on improving your credit score.
- Ask if there are discounts for paying in advance or setting up automatic payments.
Compare Car Insurance Quotes in Amarillo Today
There’s no one-size-fits-all policy when it comes to car insurance. That’s why you need customized support to find coverage that works for your specific situation.
Getting the best Amarillo, TX, auto insurance is all about weighing your coverage needs with your budget. EverQuote can help. Simply provide some basic information about yourself, and we’ll offer you fast and accurate quotes from top insurers so you don’t have to overpay for the coverage you need.
FAQs
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Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.