Cheapest and Best Car Insurance in Amarillo, TX (June 2024)


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ByMark Fitzpatrick
Reviewed byMark Friedlander
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ByMark Fitzpatrick
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Reviewed byMark Friedlander
Edited bySarah Mattie
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Updated: May 27, 2024

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In Amarillo, Texas, Texas Farm Bureau offers the cheapest minimum and full coverage, while State Farm is the most cost-effective for families with teens. The best for customer service is Chubb — it’s also the top overall for blending price and service — showing that optimal selection varies by personal needs and coverage.

MoneyGeek Logo IconCheapest + BestCar InsuranceAmarillo
2024

Cheapest and Best Car Insurance in Amarillo

Why Trust MoneyGeek? We analyzed 328,384 quotes in Texas, including Amarillo, from 14 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Amarillo insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Amarillo, TX, as of June 2024.

328,384Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Coverage Car Insurance in Amarillo

Texas Farm Bureau offers the cheapest car insurance in Amarillo for minimum coverage policies.

  • Texas Farm Bureau: $315 per year
  • Mercury: $381 per year

Dairyland offers the most expensive minimum coverage policy in the city at $1,853 annually. This difference of $1,538 underscores the significance of comparing car insurance rates to ensure you're getting the best deal possible.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Texas Farm BureauAnnual Premium$315Monthly Premium$26
MercuryAnnual Premium$381Monthly Premium$32
State FarmAnnual Premium$397Monthly Premium$33
National GeneralAnnual Premium$559Monthly Premium$47
AAA TexasAnnual Premium$595Monthly Premium$50
ProgressiveAnnual Premium$639Monthly Premium$53
GEICOAnnual Premium$685Monthly Premium$57
AllstateAnnual Premium$686Monthly Premium$57

State Minimum Liability Requirements

In every Texan city, Amarillo included, state law dictates the minimum car insurance coverage one must have:

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

For example, if you're at fault in an accident that injures another driver, your minimum coverage policy will cover up to $30,000 for their injuries. If multiple people are hurt, it can cover $60,000 for injuries per accident. However, should costs exceed these limits, you'd be responsible for paying the difference out of pocket.

Cheapest Full Coverage Car Insurance in Amarillo

Texas Farm Bureau offers the cheapest full coverage car insurance in Amarillo.

  • Texas Farm Bureau: $820 per year
  • State Farm: $981 per year

Dairyland has the most expensive full coverage policy in the city at $3,861 annually, a significant $3,041 difference with Texas Farm Bureau. This highlights the importance of comparing full coverage insurance, which tends to be pricier than minimum coverage due to its comprehensive protection.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Texas Farm BureauAnnual Premium$820Monthly Premium$68
State FarmAnnual Premium$981Monthly Premium$82
AAA TexasAnnual Premium$1,324Monthly Premium$110
GEICOAnnual Premium$1,412Monthly Premium$118
National GeneralAnnual Premium$1,449Monthly Premium$121
AllstateAnnual Premium$1,532Monthly Premium$128
NationwideAnnual Premium$1,629Monthly Premium$136
ProgressiveAnnual Premium$1,808Monthly Premium$151

Do You Need Full Coverage in Texas?

Amarillo's full coverage car insurance bolsters liability coverage considerably compared with basic policies. It provides up to $100,000 in bodily injury protection, with a per-accident cap of $300,000 for multiple injured parties and a further $100,000 to cover any property damage attributed to an accident. This robust coverage model is known as as a 100/300/100 plan.

Full coverage policies also include:

  • Collision Insurance: This covers repair costs for your car in the event of a vehicular collision or hitting an inanimate object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This steps in to cover vehicular damage stemming from incidents other than traffic collisions. This includes but is not limited to theft, vandalism and the rigors of extreme weather conditions. It also covers being struck by an animal like a deer.

Opting for full coverage insurance is highly recommended for those with newly acquired cars, acting as a financial shield for your asset. But this is usually required if you're leasing or have a car loan. The value proposition changes with older vehicles where the premium spike that comes with full coverage may overshadow its benefits. Deciding how much car insurance you need pivots on finding equilibrium: that is, offsetting the hike in premiums against the risk of being inadequately insured.

Cheapest Car Insurance in Amarillo After a Driving Offense

In Amarillo, for drivers with a history of traffic violations seeking full coverage policy, the most affordable insurance options vary based on the specific offense:

  • Speeding ticket: Texas Farm Bureau ($820 per year)
  • At-fault accident: State Farm ($1,205 per year)
  • DUI: Texas Farm Bureau ($1,518 per year)

Dairyland tends to have the most expensive rates for all three offenses. More severe violations can lead to higher car insurance rates — the cost difference with Texas Farm Bureau after a speeding ticket and after a DUI in Amarillo is $698.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Texas Farm BureauAnnual Premium$820Monthly Premium$68
State FarmAnnual Premium$981Monthly Premium$82
AllstateAnnual Premium$1,532Monthly Premium$128
GEICOAnnual Premium$1,649Monthly Premium$137
AAA TexasAnnual Premium$1,688Monthly Premium$141
NationwideAnnual Premium$1,908Monthly Premium$159
National GeneralAnnual Premium$1,915Monthly Premium$160
ChubbAnnual Premium$2,146Monthly Premium$179

Insurance rates in Amarillo, as in other cities, escalate with the severity of one's driving violation due to the increased risk perceived by insurers. Drivers with a DUI in Amarillo face an average annual premium of $3,495, while those with a speeding ticket have a lower rate of $2,850. This substantial difference underscores the importance of comparing insurance rates for drivers with offenses.

Cheapest Car Insurance in Amarillo for Teens and Their Families

Nationwide offers the cheapest full coverage car insurance for teens in Amarillo:

  • Nationwide: $1,730 per year for female teens and $1,972 per year for male teens
  • State Farm: $1,786 per year for female teens and $2,160 per year for male teens

These rates provide coverage for a combination of two parents and a teenage driver. Allstate has the highest annual premium for a family with a female teen at $6,855, indicating a significant price difference of $5,125 with Nationwide. Compare your options, particularly when adding a high-risk teen driver to your insurance policy.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,730Individual Plan Monthly Premium$4,280
State FarmFamily Plan Annual Premium$1,786Individual Plan Monthly Premium$2,507
GEICOFamily Plan Annual Premium$2,433Individual Plan Monthly Premium$3,368
ForemostFamily Plan Annual Premium$3,247Individual Plan Monthly Premium$9,176
ProgressiveFamily Plan Annual Premium$4,075Individual Plan Monthly Premium$12,146
AllstateFamily Plan Annual Premium$6,855Individual Plan Monthly Premium$7,972

In Amarillo, teens seeking car insurance may face steep premiums, with individual policies averaging $7,409 annually — nearly double the cost of being added to a family plan at $3,773. This difference is due to the higher risk insurers associate with inexperienced teen drivers, who are statistically more likely to be involved in accidents. Consequently, getting approved for an individual policy can be challenging due to these risk factors. Families can save on premiums and improve approval odds by choosing a joint policy.

Cheapest Car Insurance in Amarillo for Military Drivers

Texas Farm Bureau offers the most affordable full coverage car insurance for individuals with a military background in Amarillo:

  • Texas Farm Bureau: $820 per year
  • State Farm: $981 per year

Although USAA's annual premium of $1,118 makes it the third-cheapest option, USAA specializes in serving those on active duty and tailors its services to fit their unique needs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Texas Farm BureauAnnual Premium$820Monthly Premium$68
State FarmAnnual Premium$981Monthly Premium$82
USAAAnnual Premium$1,118Monthly Premium$93
AAA TexasAnnual Premium$1,324Monthly Premium$110
GEICOAnnual Premium$1,412Monthly Premium$118
National GeneralAnnual Premium$1,449Monthly Premium$121
AllstateAnnual Premium$1,532Monthly Premium$128
NationwideAnnual Premium$1,629Monthly Premium$136

How to Compare Cheap Amarillo Car Insurance Quotes Online

While searching for affordable car insurance rates in Amarillo, you could spend upwards of an hour comparing options at 15 minutes assessing each provider. To expedite this process, MoneyGeek's car insurance calculator offers immediate savings by zeroing in on key factors influencing premiums in the city. Input your age, driving history, credit score, coverage preferences and more to receive an accurate rate estimate swiftly.

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Rates updated:

Jun 17, 2024

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Best Car Insurance in Amarillo: Overview

Choosing the best auto insurance for you hinges on prioritizing what's most important to you — be that service, cost, coverage, or other factors. MoneyGeek's analysis has revealed the top car insurance providers in Amarillo for various needs, with each scored on a unique metric for its category.

  • Best overall: Chubb (MoneyGeek score 89 out of 100)
  • Best for service: Chubb (MoneyGeek score 92 out of 100)
  • Best cheap: Chubb (MoneyGeek score 85 out of 100)

Chubb demonstrates exceptional value in Amarillo, excelling across the board by offering the best overall balance, premiere service and competitive affordability.

Overall Best Car Insurance in Amarillo

Chubb is the best option in Amarillo when seeking the best car insurance.

  • Chubb: MoneyGeek score of 89 out of 100 ($1,893 per year)
  • Foremost: MoneyGeek score of 75 out of 100 ($2,063 per year)

Chubb stands out particularly for customer satisfaction and affordability. These two areas are the largest contributors its high score, reflecting a superior customer experience and reasonable pricing for a full coverage policy.

Company logo for Chubb
Best OverallChubb
MoneyGeek Score:
89/ of 100

Overview

Chubb's MoneyGeek score is influenced by high claims handling and strong customer satisfaction ratings, ensuring a dependable insurance experience. Chubb offers Original Equipment Manufacturer (OEM) Coverage, which many drivers find beneficial for maintaining their vehicle's integrity with authentic parts after a covered repair.

Furthermore, Diminished Value Coverage ensures if your vehicle depreciates due to an accident, you're compensated for the loss in value — an essential safeguard for your investment. Agreed Value Coverage settles claims based on an agreed value rather than current market value. Collectively, these offerings exemplify Chubb's commitment to comprehensive and customer-oriented insurance solutions.

Best Car Insurance in Amarillo for Customer Service

Chubb is the best option in Amarillo for car insurance consumers seeking top-notch customer service. This is affirmed by its exemplary performance in overall customer satisfaction, claims handling and breadth of coverages offered — all considered independently of the associated premium rates.

  • Chubb: MoneyGeek score of 92 out of 100 ($1,893 per year)
  • Foremost: MoneyGeek score of 77 out of 100 ($2,063 per year)

Chubb distinguishes due to its excellent claims handling and robust offering of coverage options. Its stability and consistent customer satisfaction further reinforce their position as the premier choice for car insurance in Amarillo.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
92/ of 100

Overview

Chubb's high MoneyGeek score is bolstered by top marks in satisfaction and claims handling, signifying a leading customer experience. Chubb caters to diverse needs with unique coverages that enhance the value of its policies. Antique/Classic Car Insurance is tailored for collectors, ensuring prized vehicles have protection befitting their value.

For newer cars, Original Equipment Manufacturer (OEM) Coverage is invaluable — it ensures repairs utilize original parts, maintaining vehicle integrity and resale value. Lastly, Diminished Value Coverage allows you to recover the difference in your car's market value pre and post-accident. It offers Rental Car and/or Travel Reimbursement, but lacks Roadside Assistance.

Best Cheap Car Insurance Companies in Amarillo

Chubb is the best option for affordable car insurance in Amarillo, balancing cost-efficiency and quality service. The MoneyGeek score takes into account not just the affordability of policies but also the customer satisfaction and claims handling prowess of the insurer, ensuring consumers get the best overall value.

  • Chubb: MoneyGeek score of 85 out of 100 ($932 per year)
  • Mercury: MoneyGeek score of 78 out of 100 ($381 per year)

Additionally, Chubb's advantageous position in the insurance market is solidified thanks to an outstanding stability score and coverage quality. These elements contribute to its ranking as the top provider for minimum coverage policies.

Company logo for Chubb
Best Cheap CompanyChubb
MoneyGeek Score:
85/ of 100

Overview

Chubb leads the field largely due to its strong claims handling and customer satisfaction ratings. On average, drivers pay about $932 annually for minimum coverage with Chubb. Chubb’s customers can benefit from Defensive Driving and Anti-theft System discounts, as well as very rare discounts such as Honing Device and VIN Etching.

Chubb also offers Bundling, Multiple Car and Safe Driving discounts. Moreover, Chubb allows drivers to save with discounts for having Anti-lock Brakes, which enhances both driver safety and potential savings, and Daytime Running Lights, a very rare discount that contributes to vehicle visibility and safety.

Average Cost of Car Insurance in Amarillo

Regional costs affect car insurance. In Amarillo, Texas, the average car insurance premium stands at $1,728. This figure is slightly less than the overall Texas state average, which is $1,738. Despite being marginally cheaper, Amarillo's average still surpasses the national average car insurance cost of $1,720.

Location is significant in determining car insurance rates because it encompasses elements like accident rates, traffic density and theft statistics — all of which insurers consider when calculating risks and premiums. The city with the most expensive premium in Texas is Houston, at $2,113, while Wichita Falls is the cheapest, at $1,374. This difference of $739 illustrates the disparities in cost across urban environments. In less populated, non-city areas with lower traffic density, rates may be even lower.

AbileneAnnual Premium$1,444
AllenAnnual Premium$1,710
AmarilloAnnual Premium$1,728
ArlingtonAnnual Premium$1,703
AustinAnnual Premium$1,690
BeaumontAnnual Premium$1,812
BrownsvilleAnnual Premium$1,787
CarrolltonAnnual Premium$1,827
College StationAnnual Premium$1,504
Corpus ChristiAnnual Premium$1,623
DallasAnnual Premium$1,917
DentonAnnual Premium$1,631
El PasoAnnual Premium$1,568
Fort WorthAnnual Premium$1,691
FriscoAnnual Premium$1,708
GarlandAnnual Premium$1,920
Grand PrairieAnnual Premium$1,882
HoustonAnnual Premium$2,113
IrvingAnnual Premium$1,845
KilleenAnnual Premium$1,515
LaredoAnnual Premium$1,748
League CityAnnual Premium$1,784
LewisvilleAnnual Premium$1,662
LubbockAnnual Premium$1,567
McAllenAnnual Premium$1,929
McKinneyAnnual Premium$1,708
MesquiteAnnual Premium$1,906
MidlandAnnual Premium$1,494
OdessaAnnual Premium$1,623
PasadenaAnnual Premium$1,853
PearlandAnnual Premium$1,914
PlanoAnnual Premium$1,775
RichardsonAnnual Premium$1,836
Round RockAnnual Premium$1,584
San AngeloAnnual Premium$1,425
San AntonioAnnual Premium$1,752
Sugar LandAnnual Premium$1,819
The WoodlandsAnnual Premium$1,832
TylerAnnual Premium$1,609
WacoAnnual Premium$1,485
Wichita FallsAnnual Premium$1,374

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.