Cheapest Car Insurance in Amarillo, TX (2025)

Amarillo drivers pay an average of $816 per year for minimum coverage and $1,896 per year for full coverage. Amarillo has some of Texas's highest rates due to elevated vehicle theft rates, frequent hailstorms from its location in Tornado Alley and increased accident risks.

• Cheapest minimum liability coverage: State Farm has Amarillo's cheapest minimum coverage at $499 per year ($42 monthly). That's 38% lower than the city average of $816, saving you $317 annually. GEICO ranks second for minimum coverage at $693 per year ($58 monthly), a 15% savings compared to the city average.
• Cheapest full coverage: State Farm offers the lowest full coverage at $1,167 annually ($97 monthly), 38% below the city average of $1,896. That's $729 in annual savings. GEICO's full coverage costs $1,440 per year ($120 monthly), still 24% below the city average but $273 more than State Farm annually.

Young drivers in Amarillo have the steepest car insurance costs, while adults and seniors enjoy more affordable options. Here are the most affordable car insurance companies in Amarillo by age group:

• Adults: State Farm and GEICO lead with the most competitive monthly rates
• Seniors: State Farm and Germania Insurance offer the best value for mature drivers
• Young drivers: State Farm and GEICO provide the most budget-friendly options for new drivers

State Farm helps young drivers save through its Steer Clear program and Good Student discount, which cuts rates up to 25% for students under 25. GEICO's Prime Time Contract gives drivers 50 and older substantial savings, plus additional discounts for completing defensive driving courses.

Car insurance is more expensive if you have driving violations. Here are your cheapest car insurance options in Amarillo by violation type:

• Accident: State Farm at $49 and Germania Insurance at $71 monthly
• Ticket: State Farm at $41 and GEICO at $66 monthly
• DUI: State Farm at $67 and Mercury at $79 monthly

Minor violations in Amarillo remain on your driving record for three years before rates decrease.

Amarillo neighborhoods show differences in car insurance costs by location. ZIP code 79104 has the highest rates at $198 monthly for full coverage, while 79119 offers the most affordable option at $145 monthly.

State Farm earned a 94 out of 100 on MoneyGeek's rating scale, establishing it as the top car insurance choice for Amarillo drivers. Geico follows closely with an 89 out of 100 score, making both companies excellent options for Texas residents.

State Farm dominates in affordability and customer experience categories. Our evaluation examined agent network quality, National Association of Insurance Commissioners (NAIC) complaint records, J.D. Power research and customer reviews across multiple platforms to measure how effectively insurers process claims and assist policyholders.

State Farm's affordability leadership stems from competitive pricing and comprehensive coverage options, including standard protections and unique add-ons. Geico also delivers strong affordability with reliable financial stability ratings matching State Farm's solid standing.

See below for why each insurer is best and which fits your needs.

Amarillo residents have some of the highest auto insurance costs in Texas. Shop around, reduce your premiums and select the right coverage for your needs:

Our insurance experts provide answers to common questions about finding affordable auto coverage in the Panhandle city:

Amarillo drivers pay some of Texas's highest car insurance rates. We built this analysis to help you find reliable coverage without overpaying for your specific situation.

We analyzed hundreds of thousands of quotes from major insurers using data from the Texas Department of Insurance and Quadrant Information Services. Our research covered all Amarillo ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices. The analysis was complicated by Amarillo's frequent hailstorms, higher theft rates and wildlife collision risks that drive up premiums.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Texas's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hail damage claims or handling wildlife collision reports.

Coverage options (10%): More choices mean better odds of matching coverage to Amarillo risks like severe weather damage, uninsured motorists and theft in high-risk areas.