Amarillo Car Insurance

The Zebra
May 30, 2018

Car Insurance in Amarillo

Texas is recognized for its pricey premiums, as its mean rate exceeds the national average by $383. Premiums also run high in the city, so it is vital to save while insuring a vehicle in Amarillo. Why don't we get started on how to save on car insurance in Amarillo?

  • City Average: $1,888
  • State Average: $1,810
  • National Average: $1,427

Amarillo Car Insurance by Age

Looking across all age groups, drivers in their 50s have the lowest insurance premiums. Their rates generally average $1,579/year. People in their 60s ($1,631) also have relatively low premiums. The largest drop in premiums between any age group is from the teenage age range to the 20s, as drivers in Amarillo start saving $3,514 each year. While premiums for drivers in Amarillo will continue to fall through their 50s, they should anticipate an increase when they hit 60. With payments of $5,795 on average, teenage drivers are the ones who pay the most in car insurance premiums.

  • Teenagers: $5,795
  • 20s: $2,281
  • 30s: $1,856
  • 40s: $1,787
  • 50s: $1,579
  • 60s: $1,631
  • 70s: $1,978

Amarillo Car Insurance by Credit Rating

Improving your credit can save you a sizable bundle of money. Those in the bottom credit tier (300-579) pay an average of more than twice as much for car insurance than those in the top credit tier (800-850). Drivers will see the biggest percent drop in premiums when they upgrade their credit from Very Good (740-799) to Exceptional (800-850). That change can save them 20% per year.

  • Very Poor: $3,380
  • Fair: $2,838
  • Good: $2,337
  • Very Good: $1,953
  • Exceptional: $1,572
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      Amarillo Car Insurance by Gender and Marital Status

      Both gender and marital status influence your car insurance premiums in Amarillo. In your city, marital status actually has a substantial impact on premiums. Being single, as opposed to married, can cost you roughly 12% more per year. Rates for those who are widowed are also strikingly cheaper than rates for those who are single. Premiums for men are usually 2% more costly than for women.

      • Female: $1,843
      • Male: $1,888
      • Single: $1,888
      • Married: $1,682
      • Divorced: $1,888
      • Widowed: $1,698

      Amarillo Car Insurance by Accident or Violation History

      Past accidents and violations can cost you in terms of prices on car insurance. Even among safe drivers, accidents happen, so be prepared and learn what can happen to your rates following one. In Amarillo, those who are found at-fault in an accident spend $874 more than the city average on car insurance each year. Drivers with a DUI in Amarillo have rates that surpass the city average ($1,888) by 39%. Reckless driving will also push your premiums up, with average rates of $2,566. That is 36% higher than the city average.

      • DUI: $2,625
      • Reckless Driving: $2,566
      • At-fault Accident (damages less than $1000): $2,762
      • At-fault Accident (damages greater than $2000): $2,762
      • Speeding Ticket (16-20 mph over speed limit): $1,965