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Best Cheap Auto Insurance in Amarillo, TX (2021)

Things to Remember

  • The best cheap auto insurance in Amarillo, TX is from USAA.
  • Amarillo auto insurance rates are impacted by minimal traffic congestion and auto theft statistics.
  • Amarillo car insurance rates are cheaper than other major Texan cities like San Antonio, Dallas, Houston, and Austin.

Amarillo, Texas auto insurance costs are cheaper than other major Texan cities. Our guide can help you secure cheap auto insurance in Amarillo, TX, regardless of your age, driving record, or credit history.

Table of Contents

Monthly Amarillo, TX Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Amarillo, TX auto insurance rates by ZIP Code below:

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Amarillo, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Amarillo, TX stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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When you’re ready to buy Amarillo, TX car insurance, enter your ZIP code into our free quote tool above and receive rates from reputable Amarillo providers immediately.

What is the cheapest auto insurance company in Amarillo, TX?

The cheapest Amarillo, TX auto insurance company is USAA. Rates from this provider average $237 per month or $2,848 annually. However, only military personnel are eligible to buy policies through USAA.

Which Amarillo, TX car insurance company has the best rates? And how do those rates compare against the average Texas car insurance company rates? We’ve got the answers below.

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State Farm provides the next cheapest rates in Amarillo and is available to everyone.

See a list of the top insurance companies in Amarillo, TX, from cheapest to most expensive below:

  • USAA – $2,848.92
  • State Farm – $3,043.41
  • GEICO – $3,491.72
  • Nationwide – $4,481.73
  • Progressive – $4,901.79
  • Allstate – $5,619.47
  • American Family – $5,676.09

Your rates from these companies will vary based on the different factors that affect auto insurance. Factors include your age, driving history, and the level of coverage you require.

Amarillo, TX car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Amarillo car insurance rates. Find the cheapest Amarillo, TX car insurance rates by coverage level below:

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Your credit score will play a significant role in your Amarillo car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Amarillo, TX car insurance rates by credit score below.

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Your driving record will play a major role in your Amarillo car insurance rates. For example, other factors aside, a Amarillo, TX DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Amarillo, TX car insurance rates by driving record.

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Factors affecting car insurance rates in Amarillo, TX may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Amarillo, TX car insurance.

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These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. TX does use gender, so check out the average monthly car insurance rates by age and gender in Amarillo, TX.

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What auto insurance coverage is required in Amarillo, TX?

By law, Amarillo residents must carry the Texas minimum auto insurance limits.

Texas requires the following coverage levels:

  • $30,000 per person and $60,000 per accident in bodily injury liability coverage.
  • $25,000 per accident in property damage liability coverage.

Texas is an at-fault state. If you’re found liable for causing an accident, you’re responsible for any property damage or bodily injury claims.

What affects auto insurance rates in Amarillo, TX?

Amarillo auto insurance is impacted by minimal traffic congestion and average auto theft statistics.

A traffic scorecard report from INRIX ranks Amarillo as the 260th most congested city in the country. Drivers only spent one hour in bumper-to-bumper traffic in 2019.

According to City-Data, Amarillo drivers’ average commute length is only 16.9 minutes, much shorter than the national average of 26 minutes.

In 2017, the Federal Bureau of Investigation (FBI) recorded 990 car thefts in Amarillo. That’s a rate of 492.6 thefts per every 100,000 people.

Amarillo, TX Auto Insurance: The Bottom Line

Amarillo insurance costs are lower than other major Texan cities.

Compare Amarillo car insurance costs to the average annual prices from other Texan cities below:

  • Auto insurance in San Antonio, TX costs $208 per month or $2,503 annually.
  • Auto insurance in Dallas, TX costs $236 per month or $2,837 annually.
  • Auto insurance in Houston, TX costs $251 per month or $3,018 annually.
  • Auto insurance in Austin, TX costs $483 per month or $5,737 annually.

You can secure affordable Amarillo, TX auto insurance rates by comparing quotes online and seeking out discounts.

Enter your ZIP code into our free tool below to receive Amarillo, TX auto insurance quotes from reputable providers in your city.

References:

  1. https://inrix.com/scorecard-city/?city=Amarillo%2C%20TX&index=937
  2. http://www.city-data.com/city/Amarillo-Texas.html
  3. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/texas.xls

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