Amarillo, TX Car Insurance

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What's the average car insurance rate in Amarillo?

 

The average car insurance rate in Amarillo, Texas, is $1,516 per year. It's more expensive than the statewide average in Texas ($1,415) and cheaper than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Amarillo.

 
AMARILLO AUTO INSURANCE PREMIUMS
Amarillo Average (annual)Texas AverageUnited States Average
$1,516$1,415$1,548
 
Jump to Amarillo auto insurance premiums by:

 

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.

 
AMARILLO CAR INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
State Farm$1,290
GEICO$1,304
USAA$1,388
Allstate$2,423
 

Check out our guide for help finding the best cheap car insurance.

 

Amarillo car insurance costs by age

The age group that enjoys the lowest auto insurance rates in Amarillo are drivers in their age_50s, who pay an average of $1,297per year. Those in their age_60s don't pay significantly more ($1,321).

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 PREMIUMS BY DRIVER AGE
AgeAverage Annual Rate
Teenagers$3,661
20s$1,955
30s$1,488
40s$1,443
50s$1,297
60s$1,321
70s$1,576
 

Learn more about how age influences auto insurance rates.

 

Amarillo auto insurance rates by gender and marital status

 

Marital status and gender are contributing factors to car insurance rates in many cases. In Amarillo, married drivers pay $117 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Amarillo, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can affect car insurance rates. In Amarillo, the gulf in car insurance costs between genders is $36 per year, with male drivers paying more than female drivers.

 
AMARILLO CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$1,480
Male$1,516
Single$1,399
Married$1,399
Divorced$1,516
Widowed$1,369

 

Learn more about the impact gender and marital status have on insurance rates.

 

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 $764 per year 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.

 
AVERAGE AMARILLO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Yearly Rate
DUI/DWI$2,299
Reckless Driving$2,280
At-fault Accident (damages less than $1,000)$1,879
At-fault Accident (damages > $2,000)$2,249
Speeding Ticket (16-20 mph over speed limit)$1,649
 

Learn more about the impact of driving violations on car insurance rates.

 

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 $1,309 decrease in yearly insurance premiums.

 
AMARILLO CAR INSURANCE RATES BY CREDIT SCORE
Credit LevelAverage Yearly Rate
Very Poor$3,197
Fair$1,888
Good$1,516
Very Good$1,410
Exceptional$1,256
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.