Car Insurance in Amarillo

State Farm charges adult drivers $499 annually for minimum coverage in Amarillo, establishing the baseline for this Texas Panhandle city. Young drivers pay $1,128 per year with State Farm, 126% higher than adult rates.

Senior drivers face premiums of $580 annually with State Farm. Drivers with a DWI pay $809 per year with State Farm, representing a 62% increase over clean-record adults.

The consistent pattern across driver categories reflects how insurers assess risk differently for young drivers, seniors and those with violations in Amarillo.

For drivers in Amarillo, State Farm provides minimum coverage at $499 per year, 39% below the city average of $822. State Farm also charges $1,167 per year for full coverage.

GEICO presents an alternative at $693 annually for minimum coverage. This option costs more than State Farm but appeals to drivers who prefer GEICO's digital tools and streamlined claims process.

Young drivers in Amarillo pay $1,128 annually with State Farm for minimum coverage. Adult drivers enjoy the lowest rates at $499 per year with State Farm, a 56% discount compared to younger policyholders.

State Farm charges seniors $580 annually, representing a 16% increase over adult rates. Amarillo's age-based rate structure mirrors patterns seen across Texas markets.

State Farm maintains $499 annual rates for speeding violations in Amarillo, applying no penalty. At-fault accidents result in moderate increases to $589 annually with State Farm.

DWIs trigger the highest costs at $809 per year with State Farm. This 62% increase adds $310 annually, reflecting Texas's strict approach to impaired driving violations.

State Farm leads Amarillo's market with the lowest premiums and strong customer satisfaction scores. GEICO offers competitive rates alongside robust digital tools for policy management.

Both companies serve Amarillo drivers effectively, with State Farm excelling in affordability and GEICO providing technology-driven insurance solutions.

Amarillo averages $822 per year for minimum coverage and $1,895 per year for full coverage. These rates sit slightly above Texas's state average of $807 for minimum coverage.

State Farm's $499 minimum coverage rate falls well below Amarillo's average. This Texas Panhandle city offers relatively affordable insurance compared to major metros, with ample opportunity to find competitive rates.

In Amarillo, car insurance rates by ZIP code range from $63 to $198 per month. ZIP code 79104 is the most expensive, while 79118 is the cheapest. Check the average rates for your ZIP code below.

While basic rate breakdowns help, use the table below to find average car insurance costs in Amarillo based on your age, driving record and coverage choices.

Getting affordable car insurance in Amarillo isn’t always easy because of high rates and varying coverage options. This step-by-step guide walks you through practical ways to reduce your premiums without sacrificing the protection you need.

Car insurance rates in Amarillo depend on your driving record, credit score and coverage choices. State Farm and GEICO offer the lowest average premiums in the city, but compare quotes from multiple providers to find your best rate.

Get straightforward answers about finding affordable car insurance in Amarillo. We'll help you understand your coverage options and show you how to save on your policy while staying protected.

To help Amarillo drivers find the most affordable auto insurance companies, MoneyGeek analyzed rates using data from the Texas Department of Insurance and Quadrant Information Services. Our study covered all ZIP codes in the city and reviewed hundreds of thousands of quotes from 12 insurers offering auto coverage in Texas to provide the most accurate options possible.

Amarillo Driver Profile

We based our analysis on a sample driver profile:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

We adjusted some factors, including age, driving record, credit score and military affiliation, to identify the most suitable insurers for different driver types.

Coverage Levels in Amarillo

MoneyGeek compared the most affordable insurers for both minimum and full coverage auto insurance policies.

Texas minimum coverage requirements:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

Full coverage policy limits used in this analysis:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision coverage, each with a $1,000 deductible

Our Best Company Rating Methodology

We evaluated all companies using the following rating factors:

• Affordability (60%): We reviewed quotes for common driver profiles and compared pricing across competitors in Amarillo.
• Customer experience (30%): We analyzed feedback from sources such as Google reviews, J.D. Power, AM Best and Reddit to understand overall customer sentiment and experience.
• Coverage options (10%): We examined the number of coverage types each provider offers, as well as any unique benefits included.