Amica offers the best home insurance in Amarillo, with a solid mix of affordability, customer service and coverage options. If you prefer opting for affordable home insurance, State Farm provides the lowest premiums starting at $496 per month.
Cheap Home Insurance in Amarillo
Updated: November 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
Amica provides the best overall value for homeowners in Amarillo. State Farm has the most affordable coverage at $5,955 annually.
On average, home insurance in Amarillo costs $848 per month, adding up to $10,171 per year.
To find the best and most affordable home insurance in Amarillo, determine your coverage needs, research providers and compare quotes thoroughly.
Best Cheap Home Insurance Companies in Amarillo
| Amica | 90 | $800 | $9,594 |
| State Farm | 90 | $496 | $5,955 |
| Nationwide | 89 | $635 | $7,619 |
| Farmers | 83 | $618 | $7,421 |
| Chubb | 67 | $1,689 | $20,264 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Amarillo Home Insurance Cost?
Home insurance rates in Amarillo depend on factors like your home's age, your chosen coverage and personal profile. Costs range from $234 to $2,314 per month. Explore the table below for rates tailored to your situation.
Data filtered by:
Newer Home
$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $234 | $2,809 |
How to Get the Best Cheap Home Insurance in Amarillo
In Amarillo, finding affordable home insurance can be tough. We've put together a step-by-step guide to help you find the best cheap homeowners insurance for your needs.
- 1Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2Research Cost and Discounts
Average home insurance costs in Texas vary. Review the best home insurance in Texas to identify which companies consistently offer affordable premiums and dependable coverage statewide, then use that as your starting point for Amarillo providers.
- 3Compare Company Offerings and Reputations
In addition to cost research, learn what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit and user review sites like Trustpilot.
- 4Compare Many Quotes Through Multiple Means
Comparing multiple quotes apples-to-apples will help you identify the cheaper option for you. Pricing also will vary depending on where you get your quote, so we recommend getting quotes online and from independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Amarillo: Bottom Line
The top three best and cheapest home insurance providers in Amarillo are Amica, State Farm and Nationwide. While these are our recommendations for Amarillo, rates vary significantly across the state. Costs differ across major Texas cities like Houston and Dallas, where coastal risks and higher home values can drive premiums up compared to Amarillo.
If you’re comparing options beyond the Panhandle, our guide to cheap homeowners insurance in Texas highlights which insurers consistently offer low rates and flexible coverage in other major cities.
Amarillo Home Insurance: FAQ
We answer common questions about Amarillo home insurance below:
Who offers the best home insurance in Amarillo?
Amica is the best home insurance provider in Amarillo for its competitive pricing, excellent service and comprehensive selection of add-ons. We also recommend getting quotes from State Farm, Nationwide, Farmers and Chubb.
Who has the cheapest home insurance in Amarillo?
State Farm offers the most affordable home insurance for the average homeowner, costing about $496 per month or $5,955 per year. However, rates can differ depending on your coverage level and home characteristics.
What does home insurance cost in Amarillo?
Home insurance costs in Amarillo range from $2,809 to $27,771 per year, depending on the age of your home and your chosen coverage level.
How We Decided the Best Cheap Home Insurance Companies in Amarillo
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Amarillo. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500 square foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.