Cheap Auto Insurance in Amarillo, TX

When it comes to cheap auto insurance in Amarillo, TX, USAA comes out on top with average rates at $237 per month or $2,848 annually. However, only military personnel are eligible to use USAA. State Farm is the next cheapest Amarillo, Texas auto insurance company. In Texas, you must buy the state minimum requirements of 30/60/25 in liability coverage.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: May 13, 2021

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Can't-Miss Facts

  • The best cheap auto insurance in Amarillo, TX is from USAA.
  • Amarillo auto insurance rates are impacted by minimal traffic congestion and auto theft statistics.
  • Amarillo car insurance rates are cheaper than other major Texan cities like San Antonio, Dallas, Houston, and Austin.

You can save on Amarillo, Texas auto insurance by shopping around, comparing rates, and looking for discounts, and we can help.

Below you’ll find affordable auto insurance rates in Amarillo, Texas, for every age, credit history, and driving record.

Are you trying to find affordable auto insurance in Amarillo, TX? Weather the storm of finding great rates by using our quote tool. Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Amarillo, TX?

The cheapest Amarillo, TX auto insurance company is USAA. Rates from this provider average $237 per month or $2,848 annually. However, only military personnel are eligible to buy policies through USAA.

State Farm provides the next cheapest rates in Amarillo and is available to everyone.

See a list of the top insurance companies in Amarillo, TX, from cheapest to most expensive below:

  • USAA – $2,848.92
  • State Farm – $3,043.41
  • GEICO – $3,491.72
  • Nationwide – $4,481.73
  • Progressive – $4,901.79
  • Allstate – $5,619.47
  • American Family – $5,676.09

Your rates from these companies will vary based on the different factors that affect auto insurance. Factors include your age, driving history, and the level of coverage you require.

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What auto insurance coverage is required in Amarillo, TX?

All Amarillo drivers have to meet the Texas state law minimum requirements to buy auto insurance.

Texas requires the following coverage levels:

  • $30,000 per person and $60,000 per accident in bodily injury liability coverage.
  • $25,000 per accident in property damage liability coverage.

Texas is an at-fault state. If you’re found liable for causing an accident, you’re responsible for any property damage or bodily injury claims.

What affects auto insurance rates in Amarillo, TX?

Amarillo auto insurance is impacted by minimal traffic congestion and average auto theft statistics.

A traffic scorecard report from INRIX ranks Amarillo as the 260th most congested city in the country. Drivers only spent one hour in bumper-to-bumper traffic in 2019.

According to City-Data, Amarillo drivers’ average commute length is only 16.9 minutes, much shorter than the national average of 26 minutes.

In 2017, the Federal Bureau of Investigation (FBI) recorded 990 car thefts in Amarillo. That’s a rate of 492.6 thefts per every 100,000 people.

Amarillo, TX Auto Insurance: The Bottom Line

Amarillo insurance costs are lower than other major Texan cities. You can secure affordable Amarillo, TX auto insurance rates by comparing quotes online and seeking out discounts.

Enter your ZIP code into our free tool below to receive Amarillo, TX auto insurance quotes from reputable providers in your city.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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