In Amarillo, drivers pay around $146 monthly for full coverage car insurance. Rates vary widely, from $137 to $454, depending on the policy and driver details. The table below outlines average rates for different driver profiles to help drivers understand potential costs.
Amarillo, TX, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Amarillo: Key Takeaways
Texas Farm Bureau and State Farm offer Amarillo's cheapest car insurance.
Texas Farm Bureau provides the most affordable car insurance, with average monthly rates of $26 for minimum coverage and $68 for full coverage.
The average cost of car insurance is $61 monthly for minimum coverage and $146 for full coverage.
Car Insurance Quotes in Amarillo, TX
| Young Drivers | $81 | $189 |
| Teens | No Data | $454 |
| Seniors | $62 | $137 |
| Drivers With an Accident | $102 | $232 |
| Drivers With a Speeding Ticket | $73 | $175 |
| Drivers With a DUI | $95 | $211 |
| Bad Credit | $108 | $265 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Amarillo vs. State Average
Texas
State Average Full Coverage Rate
$1,695
Amarillo, TX
City Average Full Coverage Rate
$1,751Amarillo Car Insurance is Expensive:$56 more
This is 3% more expensive.
What Is the Average Car Insurance Rate in Amarillo?
Amarillo's car insurance costs around $1,751 per year for full coverage and $738 for minimum coverage. The state averages are $1,695 and $810, respectively.
| State Average | $810 | $1,695 |
| Amarillo Average | $738 | $1,751 |
Cheapest Car Insurance Companies in Amarillo
While premiums may climb across Texas, you can still find cheap car insurance in Amarillo. Texas Farm Bureau offers the lowest monthly rate for minimum coverage at $26 and full coverage at $68.
Cheap Car Insurance in Amarillo
Texas Farm Bureau often has the cheapest car insurance, but rates vary by driver. Get quotes from several providers to find the most affordable option. Below is a table with the lowest rates for different driver profiles.
| Texas Farm Bureau | Minimum Coverage | $26 |
| Texas Farm Bureau | Full Coverage | $68 |
| State Farm | Teens | $202 |
| Texas Farm Bureau | Young Adults | $58 |
| Texas Farm Bureau | Seniors | $39 |
| Texas Farm Bureau | Bad Credit | $105 |
| Texas Farm Bureau | Drivers With a DUI | $93 |
| State Farm | Drivers With an Accident | $73 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $47 |
Car Insurance Rates in Amarillo by Company
To find affordable car insurance, compare rates from many companies. Below, we show the cheapest minimum and full coverage plans in Amarillo.
Cheapest Car Insurance Companies for Minimum Coverage in Amarillo
Texas Farm Bureau offers the cheapest minimum auto insurance coverage at $26 per month, followed by Mercury at $31. The table below breaks down the cheapest options.
| Texas Farm Bureau | $26 | $35 |
| Mercury | $31 | $30 |
| State Farm | $34 | $28 |
| Progressive | $46 | $15 |
| National General | $47 | $15 |
| AAA Texas | $50 | $12 |
| GEICO | $61 | $1 |
| Allstate | $61 | $0 |
Cheapest Car Insurance Companies for Full Coverage in Amarillo
Texas Farm Bureau offers the cheapest full coverage car insurance in Amarillo at $68 per month. Below is a list of other providers and their rates.
| Texas Farm Bureau | $68 | $78 |
| State Farm | $84 | $62 |
| AAA Texas | $110 | $36 |
| National General | $121 | $25 |
| Progressive | $125 | $21 |
| GEICO | $129 | $17 |
| Allstate | $135 | $11 |
| Mercury | $143 | $3 |
Car Insurance Companies in Amarillo
Texas Farm Bureau offers the cheapest car insurance in Amarillo at $568 annually. Chubb is the best affordable provider, with a MoneyGeek score of 88 out of 100. Check the table below for more options.
| Chubb | 88 | $1,360 |
| Mercury | 75 | $1,045 |
| Foremost | 74 | $1,573 |
| State Farm | 74 | $705 |
| Texas Farm Bureau | 73 | $568 |
| AAA Texas | 73 | $960 |
| Progressive | 64 | $1,024 |
| GEICO | 62 | $1,138 |
| Nationwide | 60 | $1,699 |
| Allstate | 60 | $1,179 |
| National General | 51 | $1,004 |
| Dairyland | No Data | $2,681 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Amarillo by Age
Middle-aged drivers and younger seniors pay the lowest car insurance rates in Amarillo, averaging $1,751 annually for 40-year-olds and $1,641 for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $3,564 | $-1,129 |
| 17 | $3,439 | $-1,004 |
| 18 | $2,994 | $-559 |
| 19 | $2,514 | $-79 |
| 20 | $2,629 | $-194 |
| 21 | $1,947 | $488 |
| 22 | $1,956 | $479 |
| 23 | $2,030 | $405 |
| 24 | $1,900 | $535 |
| 25 | $2,273 | $-432 |
| 40 | $1,751 | $90 |
| 65 | $1,641 | $200 |
Cheapest Car Insurance for Teens in Amarillo
Nationwide offers the cheapest overall car insurance for teens in Amarillo, with an average monthly rate of $150, saving $110 compared to the state average. The table below lists other affordable providers for this age group.
| Nationwide | $150 | $110 | $375 |
| State Farm | $152 | $109 | $202 |
| GEICO | $190 | $71 | $231 |
| Foremost | $252 | $9 | $541 |
| Progressive | $328 | $-67 | $881 |
| Allstate | $493 | $-232 | $496 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Amarillo
Texas Farm Bureau offers the lowest monthly rates for young drivers in Amarillo: $33 for minimum coverage and $83 for full coverage. The table below highlights the cheapest options for various driver profiles.
| Texas Farm Bureau | Minimum Coverage | $33 |
| Texas Farm Bureau | Full Coverage | $83 |
| Texas Farm Bureau | Bad Credit | $129 |
| Texas Farm Bureau | Drivers With a DUI | $117 |
| State Farm | Drivers With an Accident | $91 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $58 |
Cheapest Car Insurance Companies for Young Drivers in Amarillo
Texas Farm Bureau offers the most affordable auto insurance for young drivers at $58 monthly. The table below shows other companies with competitive rates in Amarillo.
| Texas Farm Bureau | $58 | $77 |
| State Farm | $75 | $60 |
| AAA Texas | $102 | $34 |
| National General | $109 | $26 |
| GEICO | $110 | $25 |
| Progressive | $110 | $25 |
| Mercury | $118 | $17 |
| Allstate | $128 | $7 |
*Rates are for 25-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Best Car Insurance Rates for Seniors in Amarillo
Texas Farm Bureau and State Farm offer the cheapest car insurance for seniors in Amarillo, but rates depend on many factors. Below is a table showing the most affordable options for different driver and coverage profiles.
| Texas Farm Bureau | Minimum Coverage | $23 |
| Texas Farm Bureau | Full Coverage | $56 |
| Texas Farm Bureau | Bad Credit | $86 |
| Texas Farm Bureau | Drivers With a DUI | $78 |
| State Farm | Drivers With an Accident | $67 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $39 |
Cheapest Car Insurance for Seniors in Amarillo
Texas Farm Bureau offers the cheapest monthly premium for seniors, $39, for minimum and full coverage policies. State Farm follows at $53. The table below shows the top car insurance providers for seniors in Amarillo.
| Texas Farm Bureau | $39 | $60 |
| State Farm | $53 | $46 |
| AAA Texas | $80 | $19 |
| Progressive | $86 | $14 |
| Mercury | $88 | $11 |
| National General | $91 | $8 |
| Allstate | $93 | $7 |
| GEICO | $93 | $7 |
*Rates are for 65-year-old drivers with good credit and no driving violations for minimum and full coverage plans.
Car Insurance Cost for High-Risk Drivers in Amarillo
High-risk drivers in Amarillo pay less for minimum coverage but more for full coverage than Texas' averages. Minimum coverage costs around $1,083 annually, while full coverage averages $2,473. Drivers with bad credit and DUIs face the highest rates, while accidents and speeding tickets have a smaller impact.
| State Average | $1,190 | $2,417 |
| Amarillo Average | $1,083 | $2,473 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Insurers in Amarillo typically account for minor driving incidents like a not-at-fault accident or speeding ticket for three years. For serious offenses, such as a DUI, insurers may consider them for up to five years, and you might need to file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Amarillo
Mercury offers the cheapest minimum coverage for drivers with a DUI at $523 per year. Texas Farm Bureau is the most affordable for full coverage at $1,518. Check the table below for more low-cost coverage options.
| Mercury | $44 | $186 |
| Progressive | $49 | $151 |
| National General | $59 | $145 |
| Texas Farm Bureau | $59 | $127 |
| State Farm | $66 | $149 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Amarillo
State Farm, Texas Farm Bureau and Mercury have the cheapest auto insurance after an at-fault accident in Amarillo. The table below shows various providers offering affordable coverage.
| State Farm | $43 | $103 |
| Texas Farm Bureau | $45 | $110 |
| Mercury | $65 | $272 |
| Progressive | $69 | $202 |
| AAA Texas | $74 | $155 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Amarillo
Texas Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket in Amarillo, offering minimum coverage at $26 per month and full coverage at $68. The table below shows how much other providers charge drivers with speeding tickets.
| Texas Farm Bureau | $26 | $68 |
| State Farm | $34 | $84 |
| Mercury | $44 | $201 |
| Progressive | $53 | $165 |
| National General | $57 | $160 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Amarillo
Mercury offers the most affordable rates for drivers with bad credit in Amarillo, with minimum coverage at $44. Texas Farm Bureau is the cheapest for full coverage at $154. See the table below for other low-cost options.
| Mercury | $44 | $220 |
| Texas Farm Bureau | $55 | $154 |
| National General | $71 | $218 |
| Progressive | $71 | $229 |
| AAA Texas | $77 | $171 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Amarillo, TX
In Texas, each city follows statewide mandates for car insurance minimums. Your policy must include at least:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
After an accident, minimum coverage will pay up to $30,000 for injuries per person, $60,000 per accident and $25,000 for property damage, providing financial protection within these limits.
Cheap Car Insurance in Amarillo: Bottom Line
Texas Farm Bureau offers the cheapest car insurance in Amarillo, with minimum coverage at $26 and full coverage at $68 per month. Affordable options are available no matter your age or credit. Ensure your policy includes Texas' required bodily injury and property damage coverages. Compare rates to find the best deal while meeting state requirements.
Amarillo Auto Insurance: FAQ
We answer common questions about finding affordable and best car insurance options in Amarillo.
What is the cheapest car insurance company in Amarillo, TX?
Texas Farm Bureau offers the cheapest car insurance in Amarillo at just $26 per month, potentially saving $35 monthly.
What is the best car insurance company in Amarillo, TX?
Chubb is the best car insurance provider in Amarillo, Texas, with a MoneyGeek score of 88 out of 100 and an average annual premium of $1,360 for full coverage.
How much does car insurance cost on average in Amarillo, TX?
Amarillo's minimum car insurance rates range from $62 to $108 monthly.
Best Cheap Car Insurance in Amarillo: Our Methodology
MoneyGeek analyzed Amarillo auto insurance prices using data from the Texas Department of Insurance and Quadrant Information Services.
Amarillo Driver Profile
To assess the best and most affordable auto insurance options for Amarillo residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Amarillo
In assessing the car insurance quotes for Amarillo, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to Texas' minimum coverage requirements:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Texas providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in Amarillo
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes from 14 insurance companies in Amarillo for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions.
For more details on our evaluation process, visit MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.