Cheapest Car Insurance In Amarillo, TX 2025

Texas Farm Bureau offers the most affordable car insurance in Amarillo, with minimum coverage costing an average of just $28 per month.

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Updated: 11 February 2025
Written by Bob Phillips
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Finding the most affordable car insurance in Amarillo, TX, can be challenging, as prices vary widely.

For those needing the lowest-cost liability coverage, Texas Farm Bureau stands out as the top choice. It also offers the most competitive rates for full coverage policies, making it a great option for drivers seeking more extensive protection. Additionally, young drivers can find the most budget-friendly rates with Texas Farm Bureau.

Cheapest Car Insurance In Amarillo, TX

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Cheapest Minimum Coverage - Texas Farm Bureau
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Cheapest For Full Coverage - Texas Farm Bureau
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Cheapest For Seniors - Texas Farm Bureau
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Cheapest For Teenagers - Nationwide
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Cheapest For Young Adults - Texas Farm Bureau
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Cheapest For Good Drivers - Texas Farm Bureau
Cheapest Car Insurance, Amarillo, TX

Cheapest Liability-only Car Insurance In Amarillo: Texas Farm Bureau

Texas Farm Bureau offers the most affordable minimum coverage car insurance in Amarillo, with an average monthly rate of $28.

Check the table below to see how its rates compare to other insurance providers.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $28 $336
State Farm $35 $420
Mercury $33 $396
National General $49 $588
Progressive $45 $540

Cheapest Full Coverage Insurance Rates In Amarillo: Texas Farm Bureau

Texas Farm Bureau offers the lowest rates for full coverage car insurance in Amarillo, with an average monthly cost of $65.

See the table below for a comparison of average quotes from budget-friendly insurers in Amarillo.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $65 $780
State Farm $82 $984
Progressive $127 $1,524
Allstate $131 $1,572
AAA Texas $114 $1,368

Cheapest Car Insurance Rates For Seniors: Texas Farm Bureau

Texas Farm Bureau offers the most affordable car insurance for seniors in Amarillo, with an average monthly rate of $42.

Check the table below for a comparison of quotes from the lowest-cost insurers for seniors.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $42 $504
AAA Texas $79 $948
State Farm $56 $672
National General $93 $1,116
Progressive $84 $1,008

Cheapest Rates In Amarillo For Teenagers: Nationwide

Teen drivers in Amarillo can get the most affordable rates from Nationwide, with average monthly premiums of $154.

The table below compares the cheapest insurance rates for teenagers.

Provider Average Monthly Cost Average Annual Cost
Nationwide $154 $1,848
State Farm $159 $1,908
Progressive $330 $3,960
Foremost $258 $3,096
GEICO $195 $2,340

Cheapest Auto Insurance For Young Adults in Amarillo: Texas Farm Bureau

Texas Farm Bureau provides the most affordable car insurance for young adults in Amarillo, with an average monthly rate of $63.

Use the table below to compare the lowest auto insurance rates for young adults in Amarillo.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $63 $756
AAA Texas $105 $1,260
Mercury $120 $1,440
State Farm $78 $936
GEICO $113 $1,356

Cheapest Car Insurance In Amarillo For Good Drivers: Texas Farm Bureau

Good drivers in Amarillo can get the best car insurance rates from Texas Farm Bureau, with average premiums around $30 per month.

If you’re a good driver, check the table below to compare average quotes from the most affordable insurance providers.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $30 $360
Mercury $33 $396
State Farm $36 $432
Progressive $45 $540
National General $49 $588

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Cheapest Car Insurance In Amarillo After A Speeding Ticket: Texas Farm Bureau

Texas Farm Bureau offers some of the lowest rates in Amarillo, with an average monthly cost of $65 for drivers with a speeding ticket.

Check the table below to compare average rates for drivers with a speeding violation.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $65 $780
Progressive $162 $1,944
State Farm $86 $1,032
Mercury $205 $2,460
National General $157 $1,844

Cheapest For Drivers With After At-Fault Accident: State Farm

State Farm provides the most affordable car insurance for drivers with an at-fault accident, with an average monthly rate of $102.

Below is a list of insurance companies offering the lowest rates for drivers with an at-fault incident on their record.

Provider Average Monthly Cost Average Annual Cost
State Farm $102 $1,224
Texas Farm Bureau $112 $1,344
Progressive $205 $2,460
Mercury $269 $3,228
AAA Texas $156 $1,872

Cheapest Rates In Amarillo For Drivers After A DUI: Texas Farm Bureau

Texas Farm Bureau offers the lowest rates for drivers in Amarillo after a DUI, with average monthly premiums of $125.

Drivers in Amarillo with a DUI can compare the cheapest rates in the table below.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $125 $1,500
State Farm $143 $1,716
National General $140 $1,680
Progressive $154 $1,848
Mercury $190 $2,280

Best Car Insurance Companies In Amarillo

Texas Farm Bureau provides the most affordable car insurance in Amarillo, with average premiums of $72 per month. You might also want to consider State Farm at $90 per month or AAA Texas at $114 per month.

Below are the top 10 car insurance companies in Amarillo, TX, ranked by their average monthly rates.

Company Monthly Premium
Texas Farm Bureau $72
State Farm $90
AAA Texas $114
National General $126
GEICO $130
Allstate $138
Mercury $145
Nationwide $155
Progressive $168
Clearcover $182

Average Auto Insurance Rates In Amarillo- By Age

Age plays a significant role in determining car insurance rates. Younger drivers often face higher premiums due to their inexperience and higher risk of accidents and violations. Teenagers typically pay around $4,224 per year for car insurance.

As drivers hit 25, their rates generally start to drop, especially if they have a clean driving record.

The most competitive rates are typically given to drivers in their 50s and early 60s. Insurance companies use age to assess driving experience and risk, which affects the overall cost of premiums.

Age Average Yearly Rate
Teenagers $4,224
20s $2,232
30s $1,644
40s $1,380
50s $1,212
60s $1,284
70s $1,416

Average Rates In Amarillo- By Vehicle

The car you drive has a big impact on your insurance costs. Insurers consider factors like the make, model, year, and body type of your vehicle. Generally, newer cars—especially luxury models with advanced features and higher replacement costs—come with higher insurance rates.

Check the table below for average insurance rates in Amarillo based on different vehicle types.

Vehicle Average Monthly Rate
Chevrolet Equinox $130
Ford F150 $193
Mazda CX-5 Sport $264
Nissan Versa $74
Chevrolet Malibu $ 178

How Much Is Car Insurance In Other Cities In Texas?

Where you live has a major impact on your car insurance rates. Insurers consider factors like accident frequency, vehicle theft, and vandalism—risks that tend to be higher in urban areas, leading to increased premiums.

For instance, drivers in Dallas pay about $173 per month for car insurance, while those in San Antonio see average rates of $154 per month.

City Average Monthly Rate
Dallas $173
San Antonio $154
Beaumont $162
Arlington $167
Houston $193
El Paso $155
Fort Worth $160
Austin $152
Irving $169
Lubbock $150

Average Cost Of Auto Insurance In Amarillo- By Zip Code

Zip codes are used by insurers to assess local crime rates, which can affect car insurance premiums. As a result, insurance rates can vary depending on your specific zip code.

Check the table below for average insurance rates based on different zip codes in Amarillo.

Zip Code Average Monthly Rate
79101 $95
79102 $229
79103 $150
79104 $134
79106 $132

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Our Methodology

Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Amarillo, TX.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

FAQs

Who has the lowest car insurance rates in Amarillo?

Texas Farm Bureau offers the lowest car insurance rates in Amarillo for both minimum coverage, as required by the State of Texas, and full coverage, which includes comprehensive and collision protection.

What is the average cost of car insurance in Amarillo?

The average car insurance cost in Amarillo is around $106 per month. However, your rate may vary depending on factors like your zip code, vehicle make and model, and driving history.

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