The best car insurance in Amarillo, TX

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.

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.

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.

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
79110	$1,927
79111	$1,939
79118	$1,889
79119	$1,888
79121	$1,885
79124	$1,941
79178	$1,916

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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
Suspended license	$1,693	$2,021	$2,431	$2,558	$2,280
Open container	$1,846	$4,634	$1,451	$2,558	$2,443
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
Not showing documents	$1,214	$1,301	$1,451	$1,818	$1,716
Running a red light	$1,214	$1,301	$1,451	$1,818	$2,280
Failure to yield	$1,214	$1,301	$1,451	$1,818	$2,280
Following too closely	$1,214	$1,301	$1,451	$1,818	$2,280
Hit and run	$1,946	$2,436	$1,451	$2,407	$2,516
Illegal turn	$1,214	$1,301	$1,451	$1,818	$2,280
Improper passing	$1,214	$1,301	$1,451	$1,818	$2,280
Not-at-fault accident	$1,214	$1,301	$1,510	$1,521	$1,716
Passing a school bus	$1,214	$1,301	$1,451	$2,558	$2,280
Racing	$1,946	$2,436	$1,451	$2,558	$2,664
Reckless driving	$1,946	$2,436	$1,451	$2,558	$2,664
Speeding	$1,214	$1,301	$1,451	$2,558	$2,280

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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.

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

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.