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.
We’ve saved shoppers an average of $600 per year on their car insurance.
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







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 |
Find Affordable Amarillo Rates
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 |
Find Affordable Amarillo Rates
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.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
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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