Amarillo, TX Car Insurance

Amarillo drivers pay, on average, around $57 a month for their car insurance. We cover plan rates, policies and more in our guide below.
How does Amarillo stack up to the rest of the area, or even Texas as a whole? What can Amarillo residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Amarillo?

Area Average Monthly Car Insurance Premium
Amarillo$57
TX$64
United States$80

According to the chart above, the average cost of auto insurance in Texas is about $7 a month more expensive than it is in Amarillo.

When stacked up against the national average, the average monthly policy payment for Amarillo is more affordable. You can expect to pay about $23 less for your policy in Amarillo than in the rest of United States.

These rates may be the average amount Amarillo residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

But worry not, we've done the heavy lifting and broken down the average rate for Amarillo to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$288
18-24$94
25-34$54
35-44$50
45-54Not Enough Data
55-64$43
65+$49

It would make sense that older drivers have more driving experience, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. You may see your rates begin to increase again once you hit retirement age in Amarillo.

Average Car Insurance Rates by Gender

Gender Average
Male$55
Female$58

Car insurance rates for women are generally cheaper than they are for men. While this isn't true in Amarillo, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$90
Multiple Accidents$88
1 Ticket$73
Multiple Tickets$83

Your rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Amarillo, drivers with one accident on their record will experience rates around $73 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $90.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$47
2-3 Years$56
4-5 Years$49
6-7 Years$53
8-10 Years$61
11-14 Years$62
15 Years or Older$53

The cheapest vehicles to insure in Amarillo are typically SUVs, trucks, and vans, with each type typically costing about $54 per month.

The rate for car owners, on the other hand, is closer to $59 per month.

Vehicle age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Amarillo, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$60
Married$49
Divorced$50
Widowed$46

Generally, married policyholders will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

According to the table above, the difference in rates based on relationship status in Amarillo can be as much as $11 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$48
Rent$57
Live with parents$93

Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $9 a month more than those who own their own home in Amarillo. Those who live with their parents, however, can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Amarillo, TX

Recent trends in car insurance for Amarillo drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

In Amarillo, auto insurance rates increased from 2016-2018 -- where they hit a high of $61-- before steadying out in 2019. Insurance rates went up once again in 2020, and have continued rising through 2021, where they finished at $58 a month.

How does Amarillo compare to neighboring areas?

Why are car insurance rates in Amarillo different from other areas?

Car insurance companies will take into account several factors when they're choosing how much to charge for a policy. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Amount of drivers in the community
  • Amount of off-street parking
  • Road safety
  • Area crime rates
  • Laws

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Amarillo?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Luckily, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Amarillo.

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Amarillo Insurance FAQs

What factors affect car insurance quotes in Amarillo?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Amarillo different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Amarillo?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Amarillo?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Amarillo or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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