How to find the cheapest car insurance quotes in Amarillo
Amarillo car insurance costs an average of $75 per month for minimum coverage, and about $132 per month for full coverage. That’s approximately 13% less than the Texas average.
Jerry works with thousands of drivers in Amarillo each month to compare prices from trusted insurance providers. Here are some cheapest car insurance quotes Jerry recently found for our Amarillo customers.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Electric | $358 | 35 | 79109 | Dodge Durango R/T | State Minimum | Yes |
| The General | $1,986 | 35 | 79106 | Kia Forte Lx | State Minimum | Yes |
| Progressive | $224 | 26 | 79111 | Volkswagen Atlas Se | State Minimum | Yes |
| Commonwealth Insurance | $55 | 54 | 79107 | Cadillac Deville | State Minimum | No |
| Progressive | $135 | 39 | 79119 | Chevrolet Tahoe K1500 | State Minimum | Yes |
Best car insurance companies in Amarillo
Jerry conducted the largest insurance survey in the country to help drivers better compare the cheapest car insurance companies. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 4 | 3.8 | 4.3 |
| USAA | 4.2 | 3.3 | 4.4 | 4.3 |
| State Farm | 3.9 | 3.4 | 3.7 | 4 |
| Geico | 3.9 | 3.1 | 4.2 | 4.1 |
| Liberty Mutual | 3.3 | 2.6 | N/A | 3.2 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Do you need more than minimum coverage in Amarillo?
Most drivers in Amarillo need more liability insurance than the 30/60/25 state minimum mandated by Texas car insurance laws.
If you cause an accident, you could be responsible for medical bills and vehicle repairs well past the 30/60/25 limit, especially if you cause severe injuries to another person. You also won’t have any physical damage coverage for your own vehicle.
Full coverage car insurance with a high deductible is the best coverage option to protect yourself from costs associated with repairing or replacing your vehicle. On top of the bodily injury liability and property damage liability coverage required by Texas state law, full coverage includes:
- Collision coverage, which covers the cost of repairing or replacing your car after an accident. In contrast
- Comprehensive insurance, which pays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters.
If you have a loan on the car, your bank will require both collision and comprehensive coverage until the loan is paid.
On top of a full-coverage auto insurance policy, you can choose to purchase uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.
Jerry has helped drivers in Amarillo and beyond find free quotes for full coverage that won’t break the bank.
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Insurance Coverage
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Has Full Coverage
|
Insurance Company
|
|---|---|---|---|---|---|---|
| State Minimum | $358 | 35 | 79109 | Dodge Durango R/T | Yes | Electric |
| State Minimum | $1,986 | 35 | 79106 | Kia Forte Lx | Yes | The General |
| State Minimum | $224 | 26 | 79111 | Volkswagen Atlas Se | Yes | Progressive |
| State Minimum | $135 | 39 | 79119 | Chevrolet Tahoe K1500 | Yes | Progressive |
| State Minimum | $188 | 38 | 79109 | Kia Sorento Sx | Yes | Bluefire |
Average cost of car insurance in Amarillo
After analyzing scores of insurance providers in Amarillo, we have discovered that the average price for minimum liability coverage amounts to be $75 per month or $897 per year. Additionally, residents of Amarillo can expect to pay an average of $132 per month or $1,584 per year for full coverage insurance.
While it’s useful to understand average insurance rates to estimate your personal insurance costs, it’s important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 79102 | $79 | $187 |
| 79103 | $84 | $163 |
| 79104 | $77 | $125 |
| 79106 | $69 | $130 |
| 79107 | $76 | $199 |
| 79108 | $57 | $154 |
| 79109 | $83 | $178 |
| 79110 | $68 | $215 |
| 79118 | $103 | $172 |
| 79119 | $77 | $179 |
| 79121 | $65 | $129 |
| 79124 | $71 | $269 |
Cheapest car insurance in Amarillo after speeding ticket
In Amarillo, a speeding ticket could increase your car insurance rate by about 18%. Thankfully, Jerry helps drivers with speeding tickets save on car insurance.
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Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Major | Progressive | $135 | 39 | 79119 | Chevrolet Tahoe K1500 | State Minimum | Yes |
| Speeding Violation-Minor | Bluefire | $188 | 38 | 79109 | Kia Sorento Sx | State Minimum | Yes |
| Speeding Violation-Major | Progressive | $131 | 59 | 79118 | Dodge Grand Caravan Se | State Minimum | No |
| Speeding 1-5 | Gainsco | $104 | 66 | 79107 | Gmc Terrain Sle | State Minimum | No |
| Speeding Violation-Major | Progressive | $104 | 63 | 79107 | Nissan Rogue Select S | State Minimum | No |
Cheapest car insurance in Amarillo after DUI
A DUI in Amarillo is a serious violation and it will trigger extremely high rates for car insurance and label you as a high-risk driver. Some companies may even refuse you coverage. To find a good rate for car insurance after a DUI, it’s important to shop around and compare rates.
Jerry has assisted many Amarillo drivers with finding affordable rates after a DUI.
Cheapest car insurance in Amarillo after an at-fault accident
One of the most critical factors affecting car insurance rates is your car accident or claim history. Texas is an at-fault state, and an at-fault accident in your recent past could mean significantly higher insurance rates.
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Accident Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | Electric | $358 | 35 | 79109 | Dodge Durango R/T | State Minimum | Yes |
| At Fault With No Injury | The General | $1,986 | 35 | 79106 | Kia Forte Lx | State Minimum | Yes |
| Not At Fault | Progressive | $135 | 39 | 79119 | Chevrolet Tahoe K1500 | State Minimum | Yes |
| At Fault With No Injury | Bluefire | $188 | 38 | 79109 | Kia Sorento Sx | State Minimum | Yes |
| Not At Fault | Progressive | $119 | 37 | 79107 | Chevrolet Tahoe K1500 Spec Srv | State Minimum | No |
Cheap car insurance quotes in Amarillo by age
Young people and seniors generally face the highest insurance rates.
Due to their restricted driving backgrounds, young drivers typically pay more for insurance.
Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.
Cheapest car insurance in Amarillo for young drivers
Teen drivers aged 16 to 19 pay the highest insurance rates out of any age group in Amarillo. Full coverage can provide better financial protection for teen car owners that drive newer cars, as teens tend to get into more accidents.
Staying on a parent’s policy is the best way to keep rates low. Using Jerry to find a policy is also a great option! Take a look at these real quotes teen drivers in Texas found with the Jerry app.
Cheapest car insurance in Amarillo for senior drivers
Car insurance rates for seniors tend to be higher due to several reasons. The main one is that older drivers are more likely to be involved in accidents and more prone to severe injuries in the event of a collision. This translates to significant medical expenses and increased costs for insurance providers.
But with Jerry, senior drivers can continue to save on car insurance. Here’s what real senior motorists in Texas were quoted using the Jerry app:
Cheap car insurance quotes in Amarillo for drivers with poor credit
Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though credit scores don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Take a look at how your rates could change with a lower credit score, and the premiums you could find using Jerry:
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Credit Range
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 550-659 | Electric | $358 | 35 | 79109 | Dodge Durango R/T | State Minimum | Yes |
| 550-659 | The General | $1,986 | 35 | 79106 | Kia Forte Lx | State Minimum | Yes |
| 660-750 | Progressive | $224 | 26 | 79111 | Volkswagen Atlas Se | State Minimum | Yes |
| 750+ | Progressive | $135 | 39 | 79119 | Chevrolet Tahoe K1500 | State Minimum | Yes |
| 660-750 | Bluefire | $188 | 38 | 79109 | Kia Sorento Sx | State Minimum | Yes |
FAQ
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars. Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
