Buy Cheap Amarillo, TX Auto Insurance

When it comes to cheap auto insurance in Amarillo, TX, USAA comes out on top with average rates at $237 per month or $2,848 annually. However, only military personnel are eligible to use USAA. State Farm is the next cheapest Amarillo, TX auto insurance company. In Texas, you must buy the state minimum requirements of 30/60/25 in liability coverage.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • 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.

You can save on Amarillo, Texas auto insurance by shopping around, comparing rates, and looking for discounts, and we can help.

Below you’ll find affordable auto insurance rates in Amarillo, Texas, for every age, credit history, and driving record.

Are you trying to find affordable auto insurance in Amarillo, TX? Weather the storm of finding great rates by using our quote tool. Enter your ZIP code above to get started.

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.

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.

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What auto insurance coverage is required in Amarillo, TX?

All Amarillo drivers have to meet the Texas state law minimum requirements to buy auto insurance.

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.

These minimums are very low, and drivers should consider raising these limits and carrying additional auto insurance coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

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?

Cheap Amarillo auto insurance quotes are impacted by the minimal traffic congestion in the city 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 car insurance costs are lower than other major Texan cities.

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.

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