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Cheapest car insurance in Amarillo, Texas (Nov 2024)
Cheapest car insurance in Amarillo, Texas (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Amarillo, Texas.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- How to find the cheapest car insurance quotes in Amarillo
- Best car insurance companies in Amarillo
- Average cost of car insurance in Amarillo
- How do different factors impact your car insurance costs in Amarillo?
- Cheap car insurance quotes in Amarillo by age
- Cheap car insurance quotes in Amarillo for drivers with poor credit
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Amarillo
Amarillo car insurance costs an average of $89 per month for minimum coverage, and about $188 per month for full coverage. That’s approximately -- 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) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $213 | Lottie, 19 Zip: 79104 | Lincoln MKZ Hybrid | • State Minimum Liability |
| Nationwide | $176 | Helena, 26 Zip: 79109 | Nissan Versa Note S | • 50,000/100,000 Liability • Comp / Collision |
| Travelers | $165 | Virginia, 59 Zip: 79103 | Dodge Durango SLT Plus | • State Minimum Liability • Comp / Collision |
| Allstate | $172 | Ida, 33 Zip: 79118 | Ford Edge Sport | • 50,000/100,000 Liability • Comp / Collision |
Clearcover | $91 | Christopher, 28 Zip: 79102 | KIA Borrego LX | • State Minimum Liability |
Last Updated Nov 23, 2024Best 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.
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 | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $141 | Grace, 31 Zip: 79107 | KIA Sportage LX |
• State Minimum Liability • Comp / Collision | Safeco | $169 | Oscar, 72 Zip: 79119 | Toyota Sienna LE |
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $176 | Helena, 26 Zip: 79109 | Nissan Versa Note S |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $172 | Ida, 33 Zip: 79118 | Ford Edge Sport |
• State Minimum Liability • Comp / Collision | Gainsco | $143 | Jeffery, 38 Zip: 79110 | Mitsubishi Outlander SE |
Last Updated Nov 23, 2024Average 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 $89 per month or $1,066 per year. Additionally, residents of Amarillo can expect to pay an average of $188 per month or $2,255 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 |
How do different factors impact your car insurance costs in Amarillo?
How do different factors impact your car insurance costs in Amarillo?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Texas currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Amarillo:
Cheapest car insurance in Amarillo after speeding ticket
In Amarillo, a speeding ticket could increase your car insurance rate by about --. Thankfully, Jerry helps drivers with speeding tickets save on car insurance.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Progressive | $338 | Hattie, 49 Zip: 79109 | Ford Explorer Limited | • State Minimum Liability • Comp / Collision |
Speeding 16-20 | State Auto | $117 | Claudia, 55 Zip: 79108 | KIA Soul GT Line | • State Minimum Liability • Comp / Collision |
Last Updated Nov 23, 2024 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.
Jonathan (30 years old)
$249
per month
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) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Clearcover | $136 | Helena, 39 Zip: 79106 | Jeep Cherokee Trailhawk | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Progressive | $116 | Jeremy, 36 Zip: 79119 | Ford Explorer Sport | • State Minimum Liability |
Not At Fault | Nationwide | $320 | Essie, 25 Zip: 79107 | GMC Yukon XL K1500 SLT | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $165 | Peter, 58 Zip: 79103 | Dodge Durango SLT Plus | • State Minimum Liability • Comp / Collision |
Last Updated Nov 18, 2024Cheap 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.
Lottie (19 years old)
CoverageState Minimum
Amarillo, TX (Zip Code: 79104)
Lincoln MKZ Hybrid$213
per month
Lucy (19 years old)
$485
per month
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:
Mitchell (70 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Amarillo, TX (Zip Code: 79102)
$148
per month
Milton (67 years old)
$102
per month
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) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $70 | Birdie, 59 Zip: 79110 | Ford Escape SE | • State Minimum Liability • Comp / Collision |
660 - 750 | Allstate | $84 | Lucy, 48 Zip: 79109 | Chevrolet Tahoe K1500 | • 250,000/500,000 Liability |
660 - 750 | Safeco | $120 | Claudia, 33 Zip: 79119 | Volkswagen Passat SE | • State Minimum Liability • Comp / Collision |
550 - 659 | Travelers | $151 | Mattie, 28 Zip: 79109 | Mazda CX-5 Sport | • 100,000/300,000 Liability • Comp / Collision |
< 550 | Gainsco | $119 | Maude, 41 Zip: 79109 | Lincoln MKZ | • State Minimum Liability |
Last Updated Nov 23, 2024FAQ
How much is car insurance in Amarillo?
People living in Amarillo pay on average $89 per month – or $1,066 per year – on state-minimum liability coverage. Full coverage in Amarillo costs on average $188 per month or $2,255 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Amarillo?
Based on thousands of Amarillo drivers Jerry has worked with, car insurance in Amarillo costs an average of $89 per month for state-minimum coverage and $188 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Amarillo?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica and Direct Auto receive good ratings from Amarillo drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the minimum car insurance in Amarillo, Texas?
The state-minimum car insurance in Amarillo, Texas is $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 30/60/25 coverage.
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.
Meet our experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
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.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.