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Ross Martin

Insurance Writer

Credentials
  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renata Balasco

Senior Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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!

AMARILLO AUTO INSURANCE PREMIUMS
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?

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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.

Cheapest car insurance companies in Amarillo, Texas
Company Avg. 6 Mo. Premium
State Farm $645
GEICO $652
USAA $694
Allstate $1,211

The Zebra’s auto insurance data methodology

The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data 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.

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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.

Amarillo auto insurance costs by age
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). 

credit score
Amarillo auto insurance costs by credit level
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.

Amarillo auto insurance rates after a violation
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

Compare over 100 insurance companies at once!

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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.