Best Cheap Auto Insurance in Amarillo, Texas (2025)

Amarillo’s place as the largest city in the Texas panhandle means it’s north of many comparable Texas communities. But fortunately for Amarillo residents, car insurance rates in the area are firmly south of those in other cities. 

If you live in Amarillo, you can expect to pay about $108 for liability-only coverage and $223 for full coverage — and you may be able to lower those rates even more. 

GEICO, Allstate, and State Farm are all known for providing cheap rates in the area, but the best insurer for you will depend on many factors, including your age, marital status, credit, and driving history.

This article will show you how you can find the best insurer for you in Amarillo.

Best car insurance companies in Amarillo

The best car insurance company for you might not be the best for someone else. It’s all about matching an insurer’s offerings to your unique situation and requirements.

For instance, if you only need liability coverage, State Farm is the most affordable option. However, if you’re a teen driver or have a DUI on your record, you may find another insurer to have more favorable rates.

GEICO, Allstate, and State Farm continuously rank among the leaders in Amarillo, and while you may ultimately determine another insurer is the best choice for you, it never hurts to start your search here.

Best insurer for discounts: GEICO

Best insurer for drivers with poor credit: Allstate

Best insurer for drivers with clean records: State Farm

Cheapest liability-only car insurance in Amarillo: State Farm

Texas state law mandates that you must have liability car insurance that meets the state’s minimum required insurance coverage of $30,000 for injuries per person, up to a total of $60,000 per accident and $25,000 for property damage.2

Liability car insurance coverage provides two types of protection: property damage and bodily injury.

If you have a liability-only auto insurance policy, the property damage coverage will take care of expenses like:

• The other driver’s vehicle repairs

• Repairs to a store’s wall if you crash into it

• Removal of a tree you knock over

• Defense and court costs if the other driver or their passengers sue you

Bodily injury coverage takes care of expenses related to injuries that you’re legally responsible for causing, including:

• Medical expenses

• Pain and suffering

• Lost wages

When you have a minimum coverage policy with property damage and bodily injury liability coverage, it’s crucial to keep in mind that it’ll only cover the damages and injuries you cause to others in an accident. It won’t cover any repair costs for your vehicle or any medical bills you may have incurred as a result of the accident.

Here, you can see a list of the lowest liability-only quotes available in Amarillo.

Cheapest full-coverage car insurance in Amarillo: State Farm

If you’re financing or leasing your vehicle, your lender may require you obtain a full-coverage policy. While liability-only insurance covers expenses incurred by the other driver, their passengers, and their car, full coverage provides protection for you, your passengers, and your vehicle.

Full-coverage car insurance includes:

• Collision insurance pays for damage to your vehicle, regardless of who’s at fault.

• Comprehensive insurance covers damage caused by theft, vandalism, weather events, and accidents involving animals.

• Towing and labor coverage helps if your car breaks down or is inoperable because of an accident.

• Rental car expense provides access to a rental car while your car is being repaired after a covered accident.

• Gap coverage pays the difference between the vehicle’s actual cash value and the balance you owe on the loan or lease.

• Personal injury protection (PIP) covers your medical expenses and lost wages after an accident, regardless of fault. You can opt out of this coverage if you’d like to.

You can also add many optional features to full-coverage policies, which will vary by insurer.

Here, you can see a collection of average monthly quotes for full coverage from insurers across the area.

Car insurance requirements in Texas

In order to drive legally in the state of Texas, your insurance coverage must meet at least the minimum requirements listed below.

Cheapest car insurance for drivers with an incident

If you’ve received a speeding ticket, caused an accident, driven under the influence, or committed another serious driving violation, your insurance company may increase your rates. In the following sections, you’ll see how different incidents can affect your rates.

Cheapest car insurance for drivers with a speeding ticket

When you get a speeding ticket, it’s important to know that many auto insurers will increase your rates, but some won’t. However, if you receive two or more speeding tickets within a three-year period, an increase to your rates is all but guaranteed.

Here, you can see examples of what you can expect to pay with a speeding ticket on your record. On average, Amarillo drivers with a speeding ticket pay $267 for full coverage.

Cheapest car insurance for drivers with an at-fault accident

If you cause an accident, your insurance rates will likely go up. However, some insurance companies offer accident-forgiveness programs that prevent rate increases for certain types of accidents or offer relief after a specific period of accident-free coverage. You can ask about such policy options when pursuing options from the insurers below.

An at-fault accident in Amarillo could boost your premiums to a monthly average of $138 for liability insurance.

Cheapest car insurance for drivers with a DUI

Insurers see a DUI as a very serious incident, and a hike in your rates may be a best-case scenario. In some cases, insurance companies may choose to cancel your coverage or decline to provide you with new coverage altogether.

Here, you can see the quotes you can expect for insurance with a DUI on your record. On average, Amarillo drivers with a DUI conviction pay $174 for liability-only coverage.

Cheapest car insurance for seniors

As a young adult, you likely experienced the burden of high car insurance costs. And as you reached your mid-30s, you likely enjoyed the lower rates that come with experience. Unfortunately, those premiums will rise again as you reach senior status, commonly around age 70 and beyond. This is true even if you have a clean driving record.

Car insurance for senior drivers tends to cost more for a few reasons. First, statistics show that older drivers are more prone to getting into accidents than younger adults.3 Another important factor is that if a senior does get into an accident, the injuries sustained are usually more severe, resulting in higher medical bills and more expensive costs for the insurance company.4

The monthly average car insurance cost for Amarillo seniors is $141. Here’s a collection of the best quotes available for seniors in Amarillo.

Cheapest car insurance for teens

It’s a sad reality that teen drivers have a higher frequency of crashes. In fact, they’re almost four times as likely to be involved in a crash as drivers who are 20 years or older, per mile driven.5

This higher rate of accidents is likely because many teens and college students have just obtained their driver’s license. As such, they tend to drive recklessly, drive while distracted, and have limited experience in navigating road hazards such as icy winter roads or the heavy rain and hail that come during spring storms in Amarillo. Alcohol also plays a major role in many accidents involving teenagers and young adults.

Fortunately, young people can save money by staying on their parents’ insurance, driving a safe car, and earning good grades. Some insurers also offer discounts for good drivers and accident-free records.

The average monthly cost of car insurance for teen drivers in Amarillo is $325.

How to get the cheapest car insurance in Amarillo

Car insurance is not inexpensive, so finding the best coverage for the lowest price is important. You have some effective ways to lessen your car insurance costs in Amarillo, including:

• Add multiple cars or family members to your policy.

• Bundle your auto insurance with renters insurance, life insurance, or homeowners insurance.

• Maintain a clean driving record.

• Review your deductibles and coverage limits with insurance professionals.

• Install safety and anti-theft devices on your car.

• Compare insurers by getting multiple quotes.

Amarillo car insurance quotes by credit tier

In Texas, insurance companies are allowed to consider your credit history when setting your car insurance rates. This is important because research shows that people with lower credit scores are more likely to make claims. Therefore, if your credit score is lower, your insurance rate will likely be higher.

As the table below shows, drivers with excellent or good credit scores typically pay significantly less than drivers with poor credit scores.

Is car insurance more expensive in Amarillo?

The good news is that car insurance in Amarillo is less expensive than in most other cities in Texas. This is especially true when comparing Amarillo to major metro areas, like Houston and Dallas. This could be due to the increased frequency of crime and accidents in these metro areas, as well as the higher cost of repairing vehicles there.

More cities in Texas

Here, you can see how the average full-coverage quotes in Amarillo compare to those of other cities in Texas.

Amarillo car insurance FAQs