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Cheapest Car Insurance Quotes in Amarillo, TX (2023)
Mile Auto, Travelers, and Apparent offer the cheapest car insurance for full-coverage insurance in Amarillo.
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Written by
Choncé Maddox
Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern IllinoisUniversity with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and homeinsurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how toprotect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius andmore.
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio.
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.
Updated December 22, 2022
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Minimum-coverage car insurance in Amarillo, Texas, costs an average of $176 per month compared to the Texas average insurance rate of $263. Amarillo is home to approximately 200,000 people and located at the center of the Texas Panhandle.[1]
Several factors affect car insurance costs in Amarillo, but you can still find plenty of options for cheap car insurance.
Table of contents
- How much does car insurance cost in Amarillo?
- Cheapest car insurance in Amarillo: Safeco
- How much car insurance do you need in Amarillo?
- Tips for getting cheap car insurance in Amarillo
- How age affects car insurance rates in Amarillo
- Cheapest car insurance for senior drivers in Amarillo
- How credit scores affect cheap car insurance in Amarillo
- The effect of driving habits on car insurance in Amarillo
- Car insurance in other Texas cities
- Find local Amarillo agents
- Amarillo car insurance rates FAQs
How much does car insurance cost in Amarillo?
Car insurance costs in Amarillo can vary widely depending on the insurer and how much coverage you need. It’s best to compare quotes to explore all your options and make sure you’re getting the best deal. Some factors that influence insurance rates include where you live, the type of car you drive, your age, gender, and driving history.[2]
Insurify’s data scientists analyzed the latest insurance rates in the city to identify the cheapest quotes in Amarillo.
Safeco offers the cheapest liability-only insurance coverage in Amarillo, at $83 a month.
Mile Auto offers the cheapest full-coverage insurance in Amarillo, at $172 a month.
Mile Auto also offers the cheapest insurance for new and young drivers in Amarillo, at $173 a month.
Learn More: Cheap Car Insurance in Texas
Cheapest car insurance in Amarillo: Safeco
1
Safeco
Best Cheap Car Insurance Amarillo
Safeco has the cheapest liability-only car insurance in Amarillo, at just $83 per month. Safeco is a member of Liberty Mutual group and partners with licensed agents throughout the country to offer car insurance policies. Safeco also offers discounts, such as accident forgiveness and a diminishing deductible if you don’t file a claim by the time your policy renews.
Here are average monthly quotes for cheap car insurance in Amarillo, Texas.
| Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Safeco | $83 | $187 |
| Mile Auto | $91 | $172 |
| Midvale Home & Auto | $106 | $253 |
| Travelers | $110 | $234 |
| Apparent | $117 | $193 |
| Safe Auto | $123 | $234 |
| Clearcover | $124 | $174 |
| Kemper | $125 | $229 |
| Progressive | $127 | $185 |
| Mercury | $158 | $253 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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How much car insurance do you need in Amarillo?
Most states require drivers to have liability or minimum car insurance coverage. Texas requires drivers to carry a minimum of:
$30,000 per bodily injury per person
$60,000 per accident for bodily injury
$25,000 per accident for property damage
You must carry proof of insurance in your car to show when requested by law enforcement or renewing your vehicle registration.[3]
Texas DMV information
Amarillo is located in both Potter and Randall counties. The Texas Department of Motor Vehicles (DMV) has several locations for Amarillo drivers to receive services, such as renewing their driver’s license, vehicle registration, and buying license plates.
Drivers can even conduct some of these services online through the Texas DMV website.
Tips for getting cheap car insurance in Amarillo
To get cheaper car insurance premiums in Amarillo, focus on factors that you can control and ask about insurer discounts. Insurers may offer discounts for bundling your car insurance with renters or homeowners insurance. You may also get discounts for driving a vehicle with anti-theft technology or not filing a claim for a predetermined time.[4]
Maintaining a clean driving record and shopping around for quotes can also help you save. Try to gather quotes from at least three different insurance companies. This will help you compare coverage options from different insurers to get a better deal.[4]
“The most important factors when it comes to car insurance pricing [are] your driving record and your vehicle because you will pay more if you have driving violations,” says Daniel Roccato, clinical professor of finance at the University of San Diego. “To score a lower insurance bill, boring is always better. Your heart may want a sports car, but your wallet will be happier with a sedan.”
Learn More: Compare Home and Auto Insurance Bundles
How age affects car insurance rates in Amarillo
Age is another important factor that affects car insurance rates. Young drivers have less driving experience, which increases the risk that they’ll need to file a claim. Insurers have also found that older drivers tend to have fewer accidents than younger drivers.[2]
The higher risk can contribute to higher car insurance rates for people younger than 25, but tend to drop past this age. Here are the average monthly car insurance rates in Amarillo, Texas, based on age group.
| Age Group | Average Monthly Quote |
|---|---|
| Teenagers | $452 |
| Under 25 | $322 |
| 25-29 | $236 |
| 30s | $218 |
| 40s | $174 |
| 50s | $157 |
| 60s | $160 |
| 70s | $179 |
| 80s | $190 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for young drivers in Amarillo
Mile Auto has the cheapest car insurance for young drivers in Amarillo who drive less than 10,000 miles a year. If you drive more than 10,000 miles per year, you may still save with another insurer like Travelers. Car insurance companies may also provide discounts for students with good grades or for college students who keep their car at home while away at college.[5]
Below are the average monthly rates for full-coverage car insurance for young drivers in Amarillo.
| Insurance Company | Average Monthly Rate |
|---|---|
| Mile Auto | $173 |
| Travelers | $188 |
| Apparent | $193 |
| Clearcover | $194 |
| Elephant | $197 |
| Safe Auto | $206 |
| Safeco | $219 |
| Mercury | $260 |
| Kemper Specialty | $261 |
| Aggressive | $263 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for middle-aged drivers in Amarillo
Mile Auto has the cheapest car insurance for middle-aged drivers in Amarillo, at $105 a month. You may also see cheap car insurance rates by maintaining a good credit score.[2] Also, see if your insurer offers a discount for bundling car insurance with homeowners insurance as well as keeping a clean driving record.[4]
| Insurance Company | Average Monthly Rate |
|---|---|
| Mile Auto | $105 |
| Assurance America | $115 |
| Progressive | $125 |
| Aggressive | $128 |
| Apparent | $134 |
| Safe Auto | $136 |
| Clearcover | $139 |
| Safeco | $140 |
| Commonwealth Casualty | $143 |
| Kemper Specialty | $151 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for senior drivers in Amarillo
The cheapest car insurance for senior drivers in Amarillo is with Apparent and Assurance America, both offering quotes at an average of $105 a month. Seniors in Amarillo can keep car insurance costs low by keeping a clean driving record and taking advantage of low-mileage discounts for infrequent drivers.[2]
| Insurance Company | Average Monthly Rate |
|---|---|
| Apparent | $105 |
| Assurance America | $105 |
| Safeco | $116 |
| Elephant | $123 |
| Mercury | $133 |
| Travelers | $137 |
| Clearcover | $138 |
| Kemper Specialty | $141 |
| Liberty Mutual | $147 |
| Aggressive | $150 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How credit scores affect cheap car insurance in Amarillo
You could pay a higher or lower car insurance premium based on your credit score. Insurers can factor in both your personal credit score and insurance credit score when determining your rates. While your personal credit score shows delinquent accounts and whether you pay bills on time, your insurance score is based on the likelihood that you’ll file an insurance claim and how much that claim will cost.[6]
A lower credit score could cause your insurance rates to increase. Some states prohibit insurers from factoring your credit score into car insurance rates, but Texas is not one of these states.[7]
A personal credit score of 700 or higher is considered good, according to Experian. To improve your credit score, pay down credit cards and other debts, keep your credit utilization low, and avoid accumulating too many hard inquiries.[8]
The table below shows the average monthly quote for full-coverage car insurance based on your credit score.
| Credit Tier | Average Monthly Quote |
|---|---|
| Excellent | $217 |
| Good | $243 |
| Fair | $237 |
| Poor | $234 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Learn More: Car Insurance Rates by Credit Tier
The effect of driving habits on car insurance in Amarillo
Your driving history has a direct impact on your car insurance rates. Good drivers who don’t have moving violations or at-fault accidents on their record tend to pay lower car insurance rates. If you’ve filed a claim for an accident or got a violation such as a DUI, you can still get coverage with some insurers — but you may pay a lot more.
Accidents can stay on your record for up to three years, but some insurers offer accident forgiveness, which means they won’t raise rates if it’s your first accident.
Cheapest car insurance with an accident in Amarillo: Progressive
Progressive offers the cheapest car insurance for Amarillo drivers with accidents on their records, at an average of $128 a month. An at-fault accident on your record can increase your car insurance rates, so it’s important to shop around for the right coverage that you need and fits your budget.
| Insurance Company | Clean Record | With Accident | Difference |
|---|---|---|---|
| Progressive | $107 | $128 | +$21 |
| Mile Auto | $119 | $145 | +$26 |
| Safeco | $156 | $146 | -$10 |
| Travelers | $163 | $173 | +$10 |
| Clearcover | $154 | $178 | +$24 |
| Assurance America | $165 | $186 | +$21 |
| Apparent | $139 | $193 | +$54 |
| Elephant | $154 | $198 | +$44 |
| Safe Auto | $174 | $229 | +$55 |
| Acuity | $165 | $253 | +$88 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a speeding ticket in Amarillo: Clearcover
Like accidents, speeding tickets can affect your car insurance monthly premium. Speeding is considered risky behavior, and insurers may increase rates to cover the risk speeding drivers pose.[2] Clearcover offers the cheapest car insurance in Amarillo after a speeding ticket, at an average of $209 a month.
| Insurance Company | Clean Record | With Speeding Ticket | Difference |
|---|---|---|---|
| Clearcover | $154 | $209 | +$55 |
| Apparent | $139 | $210 | +$71 |
| Elephant | $154 | $234 | +$80 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance in other Texas cities
Car insurance rates vary greatly from city to city, even within the same state. Here’s a look at car insurance rates in some other Texas cities:
Find local Amarillo agents
INSURICA
300 S. Polk St.,
Ste. 600, Amarillo, TX 79101Cortez Insurance Agency
3611 S Soncy Rd,
Amarillo, TX 79119-6408Fairly Group
P.O. Box 1149,
Amarillo, TX 79105-1149Williams-Boyce Agency, LLP
P.O. Box 1070,
Amarillo, TX 79105Gower & Company
P.O. Box 9156,
Amarillo, TX 79105Reyna Brown Insurance Division of IMI Insurance Inc.
5641 E AMARILLO BLVD STE 200,
Amarillo, TX 79107Automatic Ins Agcy
1619 S Kentucky #508A,
Amarillo, TX 79102-2277TWFG - Karen Kaiser
3131 Bell St. #104,
Amarillo, TX 79106Upshaw Insurance Agency, Inc.
P.O. Box 1299,
Amarillo, TX 79105-1299NCW A Heritage Risk Management Company
P.O. Box 506,
Amarillo, TX 79105
Amarillo car insurance rates FAQs
Here are answers to some commonly asked questions about car insurance in Amarillo.
The average cost of car insurance per month in Texas is $263. This is $142 more than the national average of $121 per month.
In Amarillo, the average monthly cost for liability-only insurance is $157 and the average monthly cost for full-coverage insurance is $305. Several factors affect the cost of insurance, such as where you live, the weather in that area, and how many accident claims are filed in your area each year.[2]
Compare Car Insurance Quotes Instantly
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- U.S. Census Bureau. "U.S. Census Bureau QuickFacts: Amarillo city, Texas." Accessed December 21, 2022
- III. "What determines the price of an auto insurance policy?." Accessed December 21, 2022
- Texas Department of Insurance. "Automobile insurance guide." Accessed December 21, 2022
- III. "How to save money on car insurance." Accessed December 21, 2022
- III. "Auto insurance for teen drivers." Accessed December 21, 2022
- III. "Credit and insurance scores." Accessed December 21, 2022
- Experian. "Which States Prohibit or Restrict the Use of Credit-Based Insurance Scores?." Accessed December 21, 2022
- Experian. "What Is a Good Credit Score?." Accessed December 21, 2022
