Cheapest car insurance in Amarillo, Texas (Nov 2024)

Written by R.E. Fulton and 2 others
Nov 21, 2024
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Cheapest car insurance in Amarillo, Texas (Nov 2024)

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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
Bristol West $355 29 79109 Toyota Corolla Se State Minimum Yes
Progressive $115 49 79121 Ford Mustang Gt State Minimum No
Progressive $47 61 79106 Toyota Corolla L State Minimum No
Bluefire $97 37 79107 Nissan Altima State Minimum No
Progressive $49 43 79109 Chevrolet Equinox Lt State Minimum No
Last Updated Nov, 2024

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 companyOverall ratingPriceClaims experienceCustomer service
Progressive4.443.84.3
USAA4.23.34.44.3
State Farm3.93.43.74
Geico3.93.14.24.1
Liberty Mutual3.32.6N/A3.2

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.

Insurance Coverage
Premium (monthly)
Age
Zip Code
Car
Has Full Coverage
Insurance Company
State Minimum $355 29 79109 Toyota Corolla Se Yes Bristol West
State Minimum $192 35 79118 Nissan Maxima S Yes Progressive
State Minimum $173 43 79108 Toyota Avalon Base Yes Progressive
State Minimum $140 32 79107 Chevrolet Cavalier Yes Bristol West
State Minimum $223 75 79109 Chevrolet Impala Lt Yes Bristol West
Last Updated Nov, 2024

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 CodeAverage State Minimum Coverage RateAverage 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.

Speeding Type
Insurance Company
Premium (monthly)
Age
Zip Code
Car
Insurance Coverage
Has Full Coverage
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
Speeding Violation-Minor Progressive $999 38 79109 Kia Sorento Sx State Minimum Yes
Speeding 21+ Progressive $269 19 79106 Ford F-150 State Minimum No
Speeding 16-20 Progressive $194 21 79109 Nissan Altima State Minimum No
Last Updated Nov, 2024
Please select columns to view data.

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.

Accident Type
Insurance Company
Premium (monthly)
Age
Zip Code
Car
Insurance Coverage
Has Full Coverage
Not At Fault Bristol West $355 29 79109 Toyota Corolla Se State Minimum Yes
At Fault With No Injury Gainsco $104 66 79107 Gmc Terrain Sle State Minimum No
At Fault With No Injury Progressive $192 35 79118 Nissan Maxima S State Minimum Yes
Not At Fault Progressive $104 27 79106 Toyota Camry L State Minimum No
Not At Fault Progressive $54 58 79107 Honda Cr-Z State Minimum No
Last Updated Nov, 2024

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:

Credit Range
Insurance Company
Premium (monthly)
Age
Zip Code
Car
Insurance Coverage
Has Full Coverage
660-750 Bristol West $355 29 79109 Toyota Corolla Se State Minimum Yes
550-659 Progressive $115 49 79121 Ford Mustang Gt State Minimum No
<550 Progressive $47 61 79106 Toyota Corolla L State Minimum No
550-659 Bluefire $97 37 79107 Nissan Altima State Minimum No
550-659 Progressive $49 43 79109 Chevrolet Equinox Lt State Minimum No
Last Updated Nov, 2024

FAQ

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MEET OUR EXPERTS
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R.E. Fulton
  • 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.

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Amy Bobinger

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.

meet-experts-thumbnail
Josh Damico

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.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.