Best Auto Insurance Rates in Amarillo, Texas

On average, your neighbors pay $77 a month.

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Monday, January 7 2019 By Shantae Young

With a population of 197,254 Amarillo, Texas is the largest city in the Texas Panhandle. As the economy grows, so does the number of newcomers. More drivers on the roads means more possibilities for traffic congestion and collisions - and higher car insurance rates.

Average Amarillo Car Insurance Rates

How much is car insurance in Amarillo, TX? Residents shouldn't be surprised that average rates in Amarillo are higher than the national average. The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01.

Prices may vary depending on your driving record and the number of claims filed in your zip code.

Texas Average Annual Car Insurance Rates
Coverage Rates
Liability $516.26
Collision $357.61
Comprehensive $192.33
Total Cost Per Year $934.22
Price Per Month $77.85
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.

Texas average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Amarillo, Texas and save up to 40% on your premium.

Last year, 5,126 people used QuoteWizard to compare car insurance quotes in Amarillo, TX from multiple companies and find the cheapest rates.

Best Car Insurance Companies in Amarillo, TX

These were the most common car insurance companies reported by QuoteWizard users living in Amarillo, Texas last year. Of these users, 298 were uninsured.

  1. Allstate
  2. Progressive
  3. GEICO
  4. Farmers
  5. Liberty Mutual
  6. Esurance
  7. 21st Century
  8. AAA
  9. Nationwide
  10. Hartford

Top 10 Vehicles

These are the most common car makes and models owned by Amarillo, TX drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Chevrolet C1500 Silverado
  3. GMC Sierra C1500
  4. Ford Mustang
  5. Honda Accord EX
  6. Chevrolet Impala LS
  7. Dodge Ram 1500
  8. Cadillac Deville
  9. Chevrolet Blazer
  10. Chevrolet C1500 Tahoe

Minimum Car Insurance Requirements in Amarillo, TX

Amarillo, Texas has a minimum coverage requirement known as the 30/60/25 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $30,000.
    The maximum your insurance carrier will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000.
    The total amount your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The maximum your insurance company will pay for property damage caused by a car accident.

Amarillo Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Amarillo, Texas ranked 28th out of 200 cities in the US. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 10.4 years. Of the 5,126 Amarillo drivers that used QuoteWizard last year to request insurance quotes, 107 had incidents on their driving records.

Driving Conditions

Factors that can influence insurance rates in a city are weather and road conditions.

Weather

Amarillo, TX is classified as having a semi-arid climate. Summers are very hot, but overnight temperatures can drop sharply, especially in the winter. In fact, Amarillo gets an average of 17.9 inches of snowfall annually. While it does rain, there isn't much of it. Most of the annual average of 19 inches of rain falls between April and September.

Road Conditions

The winter cycle of freezing and thawing roads creates numerous potholes which can appear anytime and anywhere throughout the city. The potholes can be large enough to cause serious damage to your car should you drive over a large one. If you see a pothole, please report it to the city immediately so road crews can repair it.

Moving Violations

Moving violations like drunk driving, speeding tickets, and accidents will ruin your driving record and drive up your insurance rates. If you get too many citations on your driving history, your insurer could change your status to non-preferred. This could mean that you'd have to get a non-standard, high-risk policy to mainatain coverage.

Traffic Tickets

The City of Amarillo’s website allows you to pay traffic citations, tells drivers how to contest tickets, and provides helpful traffic court information.

The Amarillo Police Department issued 43,406 traffic citations in 2014, a 7% decrease from the 46,648 citations issued in 2013.

DWI Arrests

Amarillo Police arrested 491 drivers in 2014 for driving while intoxicated, almost identical to the 497 drivers arrested for DWI in 2013.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local insurance agents from top insurance companies that specialize in Amarillo DWI insurance.

DWI Crashes and Injuries

Amarillo reported 179 crashes involving alcohol or drugs in 2017. These accidents involving impaired drivers caused 99 injuries and six fatalities.

Car Accident Statistics

Amarillo officials reported 4,582 car crashes in 2017. These crashes resulted in 1,764 injuries. 111 of them were serious.

Traffic Fatalities

Amarillo experienced 23 fatal collisions in 2017 resulting in 26 deaths in motor vehicle crashes.

All traffic deaths are a tragic loss, and considering Amarillo's estimated population of 199,826 this city ranks among the nation's worst in terms of traffic fatalities per capita.

Vehicle Theft Rates

Amarillo reported 990 vehicle thefts in 2017. This is a rate of 4.95 per 1,000 residents. This is more than twice the national rate of 2.37 stolen cars per 1,000 people.

Car Insurance Discounts

Are you looking for more affordable car insurance? Discounts are one of the best ways to lower your rates. Below are only some of the many auto insurance discounts available to Amarillo, TX drivers.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 20% of your total bill
  2. Are you married or getting married soon? Many insurers offer a discount for married couples
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  5. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  6. Take a defensive driving course from an accredited driving school

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