Cheapest and Best Car Insurance in Amarillo, TX (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 Bureau$315$26
Mercury$381$32
State Farm$397$33
National General$559$47
AAA Texas$595$50
Progressive$639$53
GEICO$685$57
Allstate$686$57
Nationwide$899$75
Chubb$933$78
Foremost$947$79
Dairyland$1,853$154

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 Bureau$820$68
State Farm$981$82
AAA Texas$1,324$110
GEICO$1,412$118
National General$1,449$121
Allstate$1,532$128
Nationwide$1,629$136
Progressive$1,808$151
Chubb$1,893$158
Mercury$1,947$162
Foremost$2,063$172
Dairyland$3,861$322

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 Bureau$820$68
State Farm$981$82
Allstate$1,532$128
GEICO$1,649$137
AAA Texas$1,688$141
Nationwide$1,908$159
National General$1,915$160
Chubb$2,146$179
Progressive$2,382$198
Foremost$2,436$203
Mercury$2,728$227
Dairyland$4,775$398

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
Nationwide$1,730$4,280
State Farm$1,786$2,507
GEICO$2,433$3,368
Foremost$3,247$9,176
Progressive$4,075$12,146
Allstate$6,855$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 Bureau$820$68
State Farm$981$82
USAA$1,118$93
AAA Texas$1,324$110
GEICO$1,412$118
National General$1,449$121
Allstate$1,532$128
Nationwide$1,629$136
Progressive$1,808$151
Chubb$1,893$158
Mercury$1,947$162
Foremost$2,063$172
Dairyland$3,861$322

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:

Dec 06, 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.

Abilene$1,444
Allen$1,710
Amarillo$1,728
Arlington$1,703
Austin$1,690
Beaumont$1,812
Brownsville$1,787
Carrollton$1,827
College Station$1,504
Corpus Christi$1,623
Dallas$1,917
Denton$1,631
El Paso$1,568
Fort Worth$1,691
Frisco$1,708
Garland$1,920
Grand Prairie$1,882
Houston$2,113
Irving$1,845
Killeen$1,515
Laredo$1,748
League City$1,784
Lewisville$1,662
Lubbock$1,567
McAllen$1,929
McKinney$1,708
Mesquite$1,906
Midland$1,494
Odessa$1,623
Pasadena$1,853
Pearland$1,914
Plano$1,775
Richardson$1,836
Round Rock$1,584
San Angelo$1,425
San Antonio$1,752
Sugar Land$1,819
The Woodlands$1,832
Tyler$1,609
Waco$1,485
Wichita Falls$1,374

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.