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How much is car insurance in Amarillo?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Amarillo is about $8 cheaper than it is in the rest of Texas.
Similarly, car insurance rates in Amarillo are often favorable when viewed against the rest of the country. The average monthly payment in Amarillo is about $23 cheaper than the rate for the rest of the U.S.
These may be the average auto insurance rates for Amarillo, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Amarillo and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Amarillo Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are, the more experienced you are on the roads. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up in Amarillo.
Amarillo Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Amarillo, however, men actually pay a bit less than female drivers to insure their car.
Amarillo Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Amarillo, having a single accident on your record will usually get you rates around $77 a month. In addition, drivers with one ticket can expect to pay around $71 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Amarillo Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$52|
If you look at the first table above, you'll see that SUVs, trucks, and vans are typically the cheapest vehicles to insure in Amarillo, with drivers paying around $54 per month for auto insurance coverage.
The rate for car owners, however, is about $59 per month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Amarillo, vehicles two-to -three years old are the most expensive to insure.
Amarillo Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
Overall, those who have settled down into marriage will pay slightly less for car insurance. 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 $9 a month, so it's worth taking into consideration.
Amarillo Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Amarillo. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Amarillo, TX
Recent trends in car insurance for Amarillo drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of auto insurance coverage in Amarillo had been increasing from 2017-2018, before leveling out in 2019. They rose again, reaching a high of $62 in 2021, and finished down at $51 in 2022.
How does Amarillo compare to neighboring areas?
Why are car insurance rates in Amarillo different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. Many factors affecting your policy are based around where you call home. These factors include things like:
- Amount of drivers in the region
- Frequency of car accidents
- Amount of off-street parking
- Local crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Amarillo?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Amarillo.
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Amarillo Auto Insurance FAQs
What factors affect car insurance quotes in Amarillo?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Amarillo different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Amarillo?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Amarillo or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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