Amarillo, TX Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Amarillo.
What's the average car insurance rate in Amarillo?
The average car insurance rate in Amarillo, Texas, is $758 per six-month premium. It's more expensive than the statewide average in Texas ($707) and cheaper than the national average of $880. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Amarillo. Read on to learn more!
| Car insurance in Amarillo vs. Texas | Average 6 Mo. Premium |
|---|---|
| Amarillo average | $758 |
| Texas average | $707 |
The Zebra's key takeaways about car insurance in Amarillo:
- The average cost of a car insurance policy in Amarillo is $852 per six-month policy — $142 per month.
- The cheapest company in Amarillo is State Farm ($645).
- 40% of Zebra customers in Amarillo stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Amarillo auto insurance rates by company
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, State Farm offers Amarillo's most affordable premiums. Reference below the top options for affordable insurance in Amarillo. Don't forget to get car insurance quotes based on your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| State Farm | $645 |
| GEICO | $652 |
| USAA | $694 |
| Allstate | $1,211 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Amarillo.
Amarillo car insurance costs by age
Our data tells us that drivers between the ages of 20-29 make up 26% of Amarillo drivers. The age group that enjoys the lowest auto insurance rates in Amarillo are drivers in their 50s, who pay an average of $648 per six-months. Those in their 60s don't pay significantly more ($660).
The Amarillo drivers who pay the highest insurance rates are teenagers. When drivers hit their 20s in Amarillo and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Amarillo is $1,706, the largest such difference between any two age groups.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $1,830 |
| 20s | $977 |
| 30s | $744 |
| 40s | $721 |
| 50s | $648 |
| 60s | $660 |
| 70s | $788 |
Amarillo auto insurance premiums by credit level
In many cases, a driver's credit level is closely correlated with their auto insurance rates. Amarillo drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 61% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Amarillo, improving your credit to "Fair" could help you earn a $654 decrease in six-month insurance premiums. Our data tells us 38% of drivers in Amarillo have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,598 |
| Fair | $944 |
| Good | $758 |
| Very Good | $705 |
| Exceptional | $628 |
Amarillo auto insurance costs by violation history
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Amarillo drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $382 per six-months versus the city average. A ticket for speeding results in a $133 rate hike while a DWI or DUI violation costs $783per year in extra insurance expenditures.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $1,149 |
| Reckless Driving | $1,140 |
| At-fault Accident (damages less than $1,000) | $939 |
| At-fault Accident (damages > $2,000) | $1,124 |
| Speeding Ticket (16-20 mph over speed limit) | $824 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.