The best car insurance in Amarillo, TX

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Published November 2, 2021

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The average cost for a full coverage car insurance policy in the city of Amarillo is $1,929 per year. That’s $89 more than the Texas state average of $1,840 per year.

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To find the lowest rates on your car insurance, you should shop around and get quotes from multiple car insurance companies. Policygenius can help you easily compare coverage and find the best policy for you.

Key Takeaways

  • State Farm offers the lowest average rates for full coverage car insurance in Amarillo at $1,195 per year

  • Your rates are based on everything from your driving record to your marital status

  • The state of Texas requires minimum liability coverage of $25,000 for property damage per accident, $30,000 bodily injury per person, and $60,000 bodily injury per accident

Cheapest car insurance companies in Amarillo, TX

Insurance costs can differ greatly depending on where you live, your age, your driving history, and what kind of car you drive. Each insurance company has its own method for setting rates, so you may get two very different rates from two companies, even for similar coverage. 

The following table shows the five cheapest car insurance companies in Amarillo as well as their J.D. Power scores when they were available.

Company

Average cost

JD Power Rating

State Farm

$1,195

881

Texas Farm Bureau

$1,201

--

Germania Insurance

$1,355

--

GEICO

$1,507

871

Auto Club Group

$1,678

--

Cheapest car insurance rates by ZIP code in Amarillo, TX

Exactly where you live in a city can also impact your rates. Insurance companies consider your ZIP code to figure out the risks of living in your neighborhood. 

They consider a wide range of factors including the rates of theft and vandalism, parking availability, and even the number of accidents and traffic tickets issued where you live. Check the table below to see the car insurance rates for ZIP codes across Amarillo.

ZIP code

Average cost

79101

$1,930

79102

$1,963

79103

$1,943

79104

$1,973

79106

$1,921

79107

$1,956

79108

$1,945

79109

$1,923

Choosing the right car insurance company in Amarillo, TX

Choosing the right car insurance company might seem like a complicated process, but it all comes down to a few key factors.

  • Cost: No one wants to overpay for car insurance. Get quotes from multiple companies so you can compare and see which has the best deal.

  • Coverage: Once you meet the minimum state requirements, how much extra you get is your call. Get enough coverage to be comfortable, but don’t be pressured into buying more add-ons than you need.

  • Service: Don’t just consider cost, make sure the company you choose is also well-rated when it comes to claims satisfaction and customer service

Policygenius makes it simple to compare quotes from top carriers so you can choose the best policy for you.

Car insurance rates for drivers with driving violations in Amarillo, TX

Speeding tickets, particularly a lot of them, will increase your rates. Accidents will increase them even more, especially if you’re determined to be at fault. The more violations on your record, the more you’ll pay for coverage.

The table below shows average annual car insurance rates for drivers in the city of Amarillo.

Violation

State Farm

Texas Farm Bureau

Germania Insurance

GEICO

Auto Club Group

At-fault Accident

$1,440

$1,995

$1,834

$2,346

$2,612

DUI

$1,946

$4,634

$3,027

$2,558

$2,664

Driving with a suspended license

$1,693

$2,021

$2,431

$2,558

$2,280

Driving with an open container

$1,846

$4,634

$1,451

$2,558

$2,443

Driving with expired registration

$1,214

$1,301

$1,451

$1,818

$1,716

Driving without Lights

$1,214

$1,301

$1,451

$1,818

$2,280

Failure to show documents

$1,214

$1,301

$1,451

$1,818

$1,716

Failure to stop at a red light

$1,214

$1,301

$1,451

$1,818

$2,280

Cheapest car insurance for drivers with bad credit in Amarillo, TX

Insurance companies also take a good look at your credit score to figure out your car insurance rate. This table lists the five cheapest car insurance companies in the city of Amarillo for drivers with bad credit.

Company

Rates for drivers with bad credit

State Farm

$2,509

Auto Club Group

$2,656

Germania Insurance

$2,670

Redpoint County Mutual

$2,846

Mercury Insurance

$2,939

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Buying car insurance in Amarillo, TX

Insurance is required for every vehicle registered in the state of Texas. That insurance must include a minimum of:

  • $25,000 for property damage liability per accident

  • $30,000 for bodily injury per person/$60,000 per accident

That insurance coverage must be maintained for the entire time that your vehicle is registered in the state, even if you’re not driving. 

How to get cheap car insurance in Amarillo, TX

There are several ways to get cheap car insurance in Amarillo, including:

  • Keep a clean record: Avoid accidents and traffic tickets to keep your rates down

  • Watch your credit: A good credit score will help you get a better insurance rate

  • Compare quotes: Get quotes from multiple insurance companies to find the best rate.

  • Choose coverage carefully: Look at the details, including deductible amounts and add-ons, to make sure you are getting the coverage you want and need

  • Look for discounts: Ask what’s available for low mileage drivers, safe drivers, good students, and for professional groups including firefighters and teachers

  • Bundle insurance policies: If you take out a renters or homeowners policy through the same company, it could reduce your rates for both policies

Frequently asked questions

How can I save money on my car insurance in Amarillo?

Watch your credit and keep a clean driving record with as few accidents and speeding tickets as possible to save money on car insurance. You should also reshop your coverage regularly.

Is Texas a no-fault state?

Texas is an at-fault state. This means that if one driver is determined to be at-fault for an accident, then that driver’s liability insurance will pay everyone’s medical bills and expenses, up to the at-fault driver’s coverage limits.

Does Texas require car insurance?

Yes, Texas does require car insurance. The minimum amounts required are $25,000 for property damage liability per accident, $30,000 for bodily injury per person, and $60,000 bodily injury per accident.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.