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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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The average monthly cost of car insurance in Amarillo, Texas, is $170. Compared to other Texas cities, Amarillo has fewer vehicle thefts,[1] lower-than-average vehicle repair costs,[2] and a lower population density,[3] likely contributing to cheaper auto insurance premiums.
Fortunately, many insurance companies offer rates well below the city average, including State Farm. Its average monthly rate is just $38. But the cheapest company for you will depend on factors like your age, coverage choices, and driving profile, which we cover in detail below.
State Farm, GEICO, and Allstate are the cheapest car insurance companies in Amarillo, on average.
The average Amarillo driver pays $38 per month for basic liability and $70 for full coverage.
Texas law requires all drivers to have liability insurance to legally drive.
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No matter the average rates in Amarillo, you can still find ways to save on auto insurance.
Check out the table below for Amarillo’s cheapest car insurance companies, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $38 |
| GEICO | $41 |
| Allstate | $55 |
| Mile Auto | $59 |
| USAA | $68 |
| Nationwide | $86 |
| Mercury | $88 |
| Root | $102 |
| Progressive | $106 |
| Dairyland | $111 |
| Safeco | $115 |
| Chubb | $116 |
| Clearcover | $126 |
| National General | $128 |
| The General | $128 |
| Direct Auto | $129 |
| AssuranceAmerica | $130 |
| Bristol West | $131 |
| 21st Century | $134 |
| Commonwealth Casualty | $134 |
| Elephant | $147 |
| GAINSCO | $163 |
| Foremost | $216 |
| Liberty Mutual | $228 |
| State Auto | $258 |
State Farm offers the cheapest car insurance in Amarillo, with an average rate of $38.
But the cheapest insurance company isn’t the same for everyone. It varies based on several factors, including your age, driving record, ZIP code, and coverage type.[4]
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Though the companies listed above are a great starting point for comparing car insurance quotes, you may find cheaper rates with other companies.
The table below highlights the cheapest company based on various driver profiles and coverage types, according to our data.
Driver/Coverage Type ▲▼ | Cheapest Insurer ▲▼ | Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|
| State-minimum coverage | State Farm | $38 |
| Full coverage | State Farm | $70 |
| Teens | State Farm | $71 |
| Seniors | State Farm | $29 |
| Drivers with a speeding ticket | State Farm | $48 |
| Drivers with an at-fault accident | State Farm | $51 |
| Drivers with a DUI | State Farm | $62 |
| Drivers with excellent credit | State Farm | $33 |
| Drivers with poor credit | GEICO | $49 |
Comparing quotes from several insurance companies or using a comparison website is the best way to get the most accurate quote.
The following sections detail the cheapest insurers for various coverage types and driver profiles.
Compare personalized quotes and get cheaper rates in minutes.
The average rate in Amarillo for minimum liability insurance is $107 per month, according to Compare.com data. That said, most insurance experts recommend buying more coverage than the state minimum.[5] If you don’t have enough liability coverage to pay for the injuries or property damage you cause, you may have to pay out of pocket for damages beyond what your insurance covers.
The chart below shows the five cheapest Amarillo auto insurance companies for state-minimum coverage, according to our data.
The cheapest state-minimum coverage insurance company in Amarillo is State Farm, with an average rate of $38 per month.
If you finance your car, your lender will usually require you to have full coverage, which protects your vehicle. Comprehensive and collision insurance pay for damage to your car from things like accidents, weather, animals, and theft or vandalism, no matter who’s at fault.
A full-coverage policy in Texas will also include liability coverage personal injury protection (PIP) unless you decline the latter in writing. PIP — and medical payments (MedPay) coverage — provides protection for you and your passengers, which helps cover medical bills after an accident.[6]
A full-coverage insurance policy in Amarillo costs an average of $70 per month, according to Compare.com data. But the following companies may offer even cheaper full-coverage premiums.
The company in Amarillo with the cheapest full-coverage policies is State Farm, averaging $70 per month.
Teens pay the most for car insurance of all age groups because of inexperience and risky driving habits, according to the Centers for Disease Control and Prevention (CDC).[7] The average insurance rate for Amarillo teen drivers is $204 per month, according to Compare.com data.
The chart below shows the cheapest car insurance companies for teens, according to our data.
Amarillo’s cheapest auto insurance company for teens is State Farm, with an average monthly premium of $71 for liability-only coverage.
Seniors — who tend to have the most experience and caution behind the wheel — enjoy the cheapest insurance rates of any age group.[8] On average, seniors pay $134 per month for car insurance in Amarillo, according to Compare.com data.
If you’re looking for the cheapest insurance premium as a senior, consider getting quotes from one of the following companies.
The cheapest car insurance company for seniors in Amarillo is State Farm, averaging $29 per month.
Our research shows that even one speeding ticket can cause average rates to increase by 27% nationwide. If you’re an Amarillo driver with a recent ticket, the average insurance rate is $233.
The chart below shows the five cheapest auto insurers in Amarillo for drivers with a recent speeding ticket, according to Compare.com data.
State Farm is Amarillo’s cheapest car insurance company for drivers with a recent ticket. Its average rate is just $48 per month for this group.
A single at-fault accident can profoundly affect the cost of your car insurance, increasing average rates by 33% nationally. The average premium in Amarillo after you have an at-fault accident is $241, according to our data.
If you’re looking for cheap car insurance in Amarillo after an at-fault accident, the following companies may offer the cheapest rates.
The cheapest auto insurance company for Amarillo drivers with a recent at-fault accident is State Farm, averaging $51 per month.
A DUI conviction is a severe infraction, resulting in a national average rate increase of 59%, according to our research. We found that the average Amarillo driver pays $275 after a DUI conviction.
But the following five car insurance companies offer the cheapest rates for drivers with a DUI conviction, according to Compare.com data.
The cheapest insurance company in Amarillo after a DUI conviction is State Farm, with an average monthly rate of $62.
Having poor credit can be costly, and our research shows drivers with poor credit pay 40% more than people with excellent credit scores. The average rate for car insurance for Amarillo drivers who have bad credit is $213, according to Compare.com data.
Paying your bills on time can increase your credit score, which may lower your insurance rate.[9] But in the meantime, the following companies offer the cheapest average premiums if you have poor credit, according to our data.
GEICO offers the cheapest insurance rate for Amarillo drivers with poor credit, averaging $49 per month.
Compare quotes side-by-side and lock in cheaper rates.
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All Amarillo drivers must have car insurance to comply with Texas law.[10] The Texas Department of Insurance (TDI) requires drivers to have liability limits of at least:
$30,000 per person for bodily injury liability
$60,000 per accident for bodily injury liability
$25,000 for property damage liability
Despite insurance verification requirements through TexasSure, about 20% of drivers still hit the road without insurance.[11] You can protect yourself and your finances by including uninsured motorist (UM) coverage or underinsured motorist (UIM) coverage in your car insurance policy. UM coverage will pay if someone damages your vehicle but doesn’t have insurance.[12] On the other hand, underinsured motorist coverage pays for damages to your car if you’re hit by a driver who doesn’t have enough insurance.[13]
Most insurance experts recommend buying coverage that exceeds the Texas minimum requirements if your needs call for it, given the state’s minimum liability limits of 30/60/25. Your lender may also require you to have comprehensive and collision insurance to protect its financial investment in your vehicle until you pay it off.
Gap insurance may also be worth the extra cost if you make a small down payment or your vehicle’s value is less than what you owe, which pays the difference if you total your car.
We answered common questions about Amarillo auto insurance to help you get the cheapest rates possible.
The cheapest auto insurance company in Amarillo is State Farm, averaging $38 per month, according to our data. Factors like your age, ZIP code, driving record, and coverage needs determine which company is the cheapest for you.
Car insurance in Amarillo averages $170 per month, according to our research. The average monthly premium for liability-only coverage is $107. Full coverage averages $233 per month.
With insurance costs nationwide averaging $151 per month, $100 per month isn’t expensive for car insurance. Comparing auto insurance quotes from multiple companies can help you find the cheapest rate for your coverage needs and driver profile.
Comparing quotes, avoiding tickets and causing accidents, raising your deductibles, paying your premiums up front, and taking advantage of discounts are ways to get cheaper car insurance. If you’re a safe driver, you may also get cheaper rates by allowing your insurer to track your driving habits through its telematics program.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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