Cheapest and Best Car Insurance Companies in Amarillo, TX

The cheapest full coverage and minimum coverage insurance in Amarillo is from State Farm. This provider is also the cheapest option for those with speeding tickets and an at-fault accident history, as well as military-affiliated drivers. Drivers with a DUI will get the best rates from Esurance, while Nationwide offers the cheapest policy for teens. However, your driving profile and needs will determine which company is cheapest for you. Texas Farm Bureau is MoneyGeek's pick for best overall company, Chubb for customer service and State Farm for Amarillo's best cheap auto insurance.

The cheapest insurers for a policy with minimum coverage in Amarillo are the following:

• State Farm: $304 per year
• Texas Farm Bureau: $315 per year

Dairyland offers the most expensive minimum coverage insurance at $983 per year. In addition to being the most affordable provider in Amarillo, State Farm is also the most affordable car insurance in Texas at $300 per year as of October 2022, almost the same rate as Amarillo.

Liability limits for minimum coverage are set by state law. The following are the minimum requirements in Texas:

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

Liability-only insurance only covers damages to the other motorist and their passengers if you cause an accident. If you are at fault for an accident and have the required minimum coverage, your insurance company will cover each victim's medical costs up to $30,000, for a total of $60,000 per accident. You will be responsible for paying any remaining balance.

The following insurance companies offer the most affordable full coverage auto insurance to drivers in Amarillo:

• State Farm: $693 per year
• Texas Farm Bureau: $820 per year

Dairyland is the costliest full coverage insurance provider, averaging $2,171 annually. The cheapest full coverage car insurance in Texas is also offered by State Farm at $711 as of October 2022 and is only somewhat more expensive in Amarillo.

In addition to higher liability limits, full coverage policies include comprehensive and collision coverage.

• Comprehensive Insurance: Covers damage to your car resulting from incidents other than collisions, such as theft or severe weather.
• Collision Insurance: Protects against damage to your car resulting from collisions with other vehicles or objects.

Full coverage insurance can be a good option to protect your investment in a new car. For older vehicles, the additional protection may not be worth the hundreds of additional dollars in annual premiums.

The cheapest full coverage policies in Amarillo for motorists with driving violations are offered by the following companies:

• Speeding ticket: State Farm ($683 per year)
• At-fault accident: State Farm ($854 per year)
• DUI: Esurance ($1,055 per year)

Drivers with a history of at-fault accidents will pay the highest rate with Foremost — around $3,219 per year. The most expensive providers for those with a DUI or speeding ticket are Chubb ($2,804 per year) and Dairyland ($2,628 per year), respectively. Even the cheapest rates available to drivers with violations on their records will be much higher than those available for clean driving records.

Insurance rates often increase depending on the severity of the driving offense. In Amarillo, drivers convicted of a DUI can expect to pay at least $372 more per year for car insurance than those who have received speeding tickets and $523 more than those with clean records. However, finding affordable car insurance with a bad driving record is still possible.

The following insurance providers offer the best rates in Amarillo for teen drivers on a family policy:

• 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

Allstate has the highest rates for teens on a family policy, averaging $6,855 for female teens and $8,067 for male teens.

Insurance premiums for male teens are often higher — sometimes significantly — than those for female teens, as male teens pose a higher risk to insurers.

Auto insurance rates are significantly higher if teens purchase their own policy. A 16-year-old male obtaining insurance in Amarillo will pay an average of $3,267 more per year for an individual policy than for a family plan. Families can save thousands of dollars annually by comparing rates from several providers to find the cheapest auto insurance for teens.

Military personnel and their families can find the cheapest military auto insurance in Amarillo from the following providers:

• State Farm: $693 per year
• Texas Farm Bureau: $820 per year

USAA can also be a great option for drivers with a military background, as its services are geared towards military personnel and their families. USAA charges an average of $955 a year for a policy in Amarillo.

The rates above apply to full coverage policies, but the same companies also offer the cheapest minimum coverage — State Farm charges $304 annually, while Texas Farm Bureau charges $315.

Getting an auto insurance estimate online requires inputting extensive personal information and can take up to 15 minutes per company. MoneyGeek's auto insurance calculator quickly calculates your estimated premiums from various insurers based on your age, vehicle type, driving history and coverage amount required.

The best insurance depends on the significance given to factors like service and affordability. The top auto insurers in Amarillo are:

• Best overall: Texas Farm Bureau (MoneyGeek score 78 out of 100)
• Best for service: Chubb (MoneyGeek score 76 out of 100)
• Best cheap: Texas Farm Bureau (MoneyGeek score 81 out of 100)

Companies can earn different scores in different categories based on how MoneyGeek's weighting of various factors changes for each category. In addition to being the best provider in Amarillo, Texas Farm Bureau is also the best car insurance in Texas. USAA scored a 79, making it the best car insurance for veterans in Amarillo.

MoneyGeek found that the following providers offer the best overall auto insurance in Amarillo:

• Texas Farm Bureau: MoneyGeek score 78 out of 100 ($820 per year)
• State Farm: MoneyGeek score 76 out of 100 ($693 per year)

Texas Farm Bureau beat out 11 other providers in Amarillo thanks to its high customer satisfaction and affordability ratings, offering customers the best balance of both.

If you're a military member (active or veteran), be sure to check out USAA's car insurance policies. It received a MoneyGeek score of 79 out of 100 and charges an average of $955 annually for a full coverage policy in Amarillo.

Taking cost out of the equation, the best car insurance companies in Amarillo for customer satisfaction are:

• Chubb: MoneyGeek score 76 out of 100 ($1,432 per year)
• Foremost: MoneyGeek score 67 out of 100 ($1,418 per year)

Chubb excels in claims processing and customer satisfaction, but these benefits come at a price — the company has higher rates than most of the other providers we evaluated in Amarillo.

Based on our analysis of Amarillo car insurance providers, the following companies offer the best balance of cost and service quality for minimum coverage policies:

• Texas Farm Bureau: MoneyGeek score 81 out of 100 ($315 per year)
• State Farm: MoneyGeek score 78 out of 100 ($304 per year)

Keep in mind that the cheapest rates typically come with the policies with the lowest amount of coverage, leaving you at risk of paying more out of pocket for medical expenses and auto repairs.

As of October 2022, the annual average cost of auto insurance in Amarillo is $1,209, which is only $8 more than the average car insurance cost in Texas and $56 less than the national average car insurance cost. Car insurance rates can vary significantly depending on where you live. These rates are evaluated for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.