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Ross Martin

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  • Licensed Insurance Agent — Property and Casualty

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers…

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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 $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 Average (annual) Texas Average United 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.

Insurer Average 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.

Age Average 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.

Gender/Marital Status Average 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.

Incident/Violation Average 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.

Credit Level Average 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.

Compare auto insurance rates today!

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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 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.