State Farm offers the lowest car insurance rates in Amarillo, with average annual premiums of $499 for minimum coverage and $1,167 for full coverage. GEICO, AAA and Mercury also provide affordable coverage options in the city.
Car Insurance in Amarillo
Updated: August 7, 2025
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Key Takeaways
Amarillo's cheapest car insurance companies are State Farm, GEICO and AAA, with savings up to 42% compared to the city average.
In Amarillo, monthly car insurance costs average $158 for full coverage and $68 for minimum coverage.
To get the best cheap auto insurance in Amarillo, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Amarillo?
| State Farm | $42 | $97 | -42% |
| GEICO | $58 | $120 | -26% |
| AAA | $60 | $126 | -22% |
| Mercury | $59 | $138 | -18% |
| Germania | $70 | $146 | -10% |
Cheapest Amarillo Car Insurance by Category
State Farm wins eight driver categories for car insurance affordability in Amarillo. GEICO offers the cheapest rates for drivers with bad credit.
| Young Drivers | State Farm | $94 |
| Adult Drivers | State Farm | $42 |
| Senior Drivers | State Farm | $48 |
| Drivers With an Accident | State Farm | $49 |
| Drivers With a DUI | State Farm | $67 |
| Drivers With a Speeding Ticket | State Farm | $42 |
| Drivers With Bad Credit | GEICO | $83 |
| Drivers With Newer Cars | State Farm | $57 |
| Drivers With Old Cars | State Farm | $38 |
Compare the Cheapest Amarillo Car Insurance for You
Your car insurance rates depend on your driving history, age, credit score and other personal factors. Check the table below to find which insurance companies offer the best rates for drivers with your profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| State Farm | $42 | $499 | -43% |
| Geico | $58 | $693 | -20% |
| Mercury Insurance | $59 | $708 | -19% |
| AAA | $60 | $722 | -17% |
| Germania Insurance | $70 | $841 | -3% |
Best Car Insurance Companies in Amarillo
In Amarillo, the top car insurance companies are State Farm, GEICO, AAA and Mercury. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| GEICO | 89 | 2 | 6 | 6 |
| AAA | 89 | 3 | 4 | 6 |
| Mercury | 88 | 4 | 5 | 4 |
| Progressive | 83 | 7 | 2 | 2 |
State Farm: Best Overall Value
pros
Lowest rates in Amarillo
Strong customer service ratings
Many driver discounts available
cons
Limited coverage options
Online tools need improvement
COMPANY HIGHLIGHTS
State Farm ranks as Amarillo's top car insurance provider, offering the most affordable rates for most driver categories. The company stands out with high customer satisfaction scores and friendly local agents. State Farm's rates run well below the city average, making it particularly attractive for cost-conscious drivers. The company wins as the cheapest option for young drivers, seniors, and those with accidents or DUIs.
GEICO: Best for Budget-Conscious Drivers
pros
Excellent digital tools
Easy claims process
Strong financial stability
cons
Fewer local agents
Limited coverage customization
COMPANY HIGHLIGHTS
GEICO earns Amarillo's second-place spot with competitive rates and user-friendly digital services. The company offers the city's best rates for drivers with poor credit scores. GEICO's streamlined online platform makes policy management and claims filing straightforward. While the company has fewer local agents than State Farm, its mobile app and website provide convenient alternatives for policy management.
How Much Is Car Insurance in Amarillo?
In Amarillo, minimum coverage costs about $68 per month or $822 per year, ranking 1,274th out of all Texas cities for affordability. Full coverage averages $158 monthly or $1,895 annually, ranking 1,280th among Texas cities.
| Full Coverage | $158 | $1,895 |
| Minimum Coverage | $68 | $822 |
Amarillo Car Insurance Cost by Category
In Amarillo, monthly coverage costs vary from $62 to $365 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $160 | $343 |
| Adult Drivers | $68 | $158 |
| Senior Drivers | $89 | $184 |
| Drivers With an Accident | $97 | $219 |
| Drivers With a DUI | $107 | $232 |
| Drivers With a Speeding Ticket | $81 | $187 |
| Drivers With Bad Credit | $154 | $365 |
| Drivers With Newer Cars | $84 | $195 |
| Drivers With Old Cars | $62 | $144 |
Amarillo Car Insurance Costs by ZIP Code
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.
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ZIP Code:79101
| 79101 | $66 | $153 |
Compare Personalized Amarillo Car Insurance Costs
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.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $72 | $859 | 6% |
How to Get the Best Cheap Amarillo Car Insurance
Finding affordable car insurance in Amarillo can be challenging with the area's high rates and complex coverage options. Our step-by-step guide shows you proven ways to lower your premiums while maintaining good coverage.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need for your vehicle and situation. Use our car insurance coverage needs calculator to get a personalized recommendation based on your car's value, assets, and risk tolerance.
- 2
Explore alternative coverage options
Look into different types of car insurance that might better suit your needs. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Non-owner insurance could be your best choice.
- 3
Know the typical costs
Research average vehicle insurance costs in Amarillo to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying when comparing quotes from different providers.
- 4
Check available discounts
Maximize your savings with car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles.
- 5
Research insurance company reputations
Investigate each insurer's customer service record and claims satisfaction ratings. Check online reviews from other Amarillo drivers and verify each company's financial strength through independent rating agencies.
- 6
Get quotes from multiple providers
Request quotes from at least three different insurance companies. Use both online tools and local agents to ensure you're getting the most competitive rates available in the Amarillo market.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and shop for new quotes. Your circumstances and insurance needs can change, and new discounts or better rates may become available.
Cheapest Car Insurance in Amarillo: Bottom Line
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.
Cheap Amarillo Car Insurance: FAQ
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.
What is the cheapest car insurance company in Amarillo, Texas?
State Farm offers the lowest rates in Amarillo, with average annual premiums of $499 for minimum coverage and $1,167 for full coverage. Rates vary by individual factors, so compare quotes.
Who offers the best car insurance in Amarillo?
State Farm leads Amarillo's car insurance providers with a MoneyGeek score of 95 out of 100, scoring 6 points higher than GEICO. State Farm excels in both affordability and customer service quality.
What is the average cost of car insurance in Amarillo?
In Amarillo, drivers pay $1,895 per year for full coverage and $822 for minimum coverage. Your actual rates will vary based on individual factors.
Is car insurance in Amarillo expensive?
Car insurance in Amarillo is more expensive than average, ranking 1,274th for minimum coverage affordability and 1,280th for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Amarillo, TX
To help Amarillo drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
Amarillo Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 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 certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Amarillo
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.