For Amarillo, Texas, Freedom Insurance Group shops 25+ carriers. Start your free quote or call (800) 253-1482.
Average car insurance rates in Amarillo, Texas
Figures on this page are estimates and averages for illustration to help you compare, not quotes we can guarantee. The drivers and vehicles on the policy, plus the ZIP code, along with limits, deductibles, credit where allowed, and claims history, set the actual premium.
Amarillo, TX: cheapest car insurance companies
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | GEICO | $125.29 |
| 2 | Elephant | $129.93 |
| 3 | Safeco | $134.41 |
| 4 | National General 360 | $140.76 |
| 5 | Allstate | $151.53 |
| 6 | Progressive | $153.69 |
| 7 | Bristol West | $157.05 |
| 8 | NatGen Premier | $157.56 |
| 9 | Travelers | $159.99 |
| 10 | GAINSCO | $184.16 |
Check Out Other Rates in Amarillo, TX Nearby Cities:
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Texas | $163.90 |
| Amarillo, Texas | $149.73 |
Car Insurance Rates by Driver’s Age Group in Amarillo
What driving in Amarillo means for insurance
Amarillo is home to around 198,645 residents and sits in Randall County. The resident count is roughly 198,645. West Texas rating commonly reflects hail, high winds, and wildfire exposure in drier counties.
Each trip pattern tells carriers something different about weekend highway miles, longer metro commutes, and short school runs in and around Amarillo. The rates carriers file for surrounding ZIP codes, and the comprehensive claims behind them, reflect local weather, especially hail, high winds, and sudden severe thunderstorms. That is why two neighbors in Amarillo can see different premiums even with similar vehicles: how the car is built, credit-based insurance score where allowed, prior claims, and exact garaging address all move the quote.
Recently moved to the Randall County area? Confirm how you actually use the car. The trim level of a given model year moves the rate less than rideshare use, teen drivers, or lots of highway commuting. When you request a quote, let us know how the car is really driven so we can match carriers that price that profile competitively.
Something Amarillo drivers often overlook: the link between safety equipment, ownership length, and discounts. Anti-theft devices, automatic emergency braking, and continuous coverage do not count the same with every carrier. Those carrier quirks become a shortlist in an independent agent’s hands, so you do not re-key the same application on ten websites.
A small but useful step: have the declarations pages from your current policy within reach. A fair Amarillo comparison is quickest to build from limits, deductibles, and listed drivers. If a quote looks dramatically cheaper, check whether liability limits dropped, comprehensive disappeared, or a household driver was omitted.
Auto coverage explained for Amarillo drivers
Minimum liability keeps you legal in Texas, but it rarely covers the cost of a serious injury claim or a newer financed vehicle. The list below can serve as your checklist while you compare quotes for Amarillo.
- Bodily injury and property damage liability: Pays for injuries and damage to others when you are at fault. Look at higher limits if you have savings or home equity, or a long commute through denser traffic.
- Collision: Repairs your vehicle after a crash with another car or object, after the deductible.
- Comprehensive: Covers theft, hail, glass breakage, animal strikes, and many non-crash losses, especially relevant where severe weather is common.
- UM/UIM coverage: When the driver who hits you has too little insurance or none, this coverage pays for your losses. Each state treats UM/UIM differently, so get the details before declining it.
- Medical payments or PIP: Covers medical bills for you and passengers after an accident; whether it is offered and how it stacks depends on the state.
- Rental car reimbursement: Keeps you on the road while repairs from a covered claim are underway by paying toward a rental car.
- Roadside help: Tows, jump starts, and lockout service, which can cost less on your auto policy than a separate club membership.
- Higher liability limits & umbrella coordination: Umbrella policies come with underlying limit requirements, so your auto limits need to match.
Financed or leased vehicles in Amarillo almost always need collision and comprehensive. Removing collision is something we can model for older, paid-off vehicles once the out-of-pocket risk is clear to you. Hail-prone ZIPs make glass and hail deductibles worth a second look.
Tips and tricks to lower car insurance rates in Amarillo
The lowest binder price is only part of shopping. Get the garaging address and driver list right before comparing, then re-check the market every policy term; that is how savings stick.
- Compare several carriers every renewal. Carrier appetite changes after storm seasons and loss trends. The carrier that was cheapest in Amarillo last year might not win this year.
- Only bundle if the math works. Pairing home and auto can save, but verify the combined price, not just the auto line in isolation. Begin your request at /get-a-quote/auto-quote, and mention any renters or homeowners policy you already have.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $978.12, far above adult buckets near $98. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Telematics: proceed with care. Late-night trips and hard braking can undo the savings, even though usage-based programs can reward gentle acceleration and low overnight mileage.
- Avoid coverage gaps. A lapse, even a brief one, often cost more than the months you skipped.
- List the real garaging address. If the car sleeps in Amarillo but you insure it elsewhere (or the reverse), fix that before you bind.
- Ask about paperless, autopay, paying in full, and professional affiliations. Stacked together they matter, though each one is small.
Finally, document improvements: new roof cameras are for homes, but dash cams, anti-theft devices, and clean Motor Vehicle Records still help many auto filings. Have those details ready to your Amarillo quote review so underwriting does not have to guess.
Discounts to ask about when you live in Amarillo
- Multi-policy credit — auto paired with home or renters.
- Multi-car — two or more vehicles with one carrier.
- Claims-free / safe driver — a clean record usually prices better.
- Driver training & good student — useful once teens are rated.
- Telematics / usage-based — opt-in programs that reward safer driving.
- Paid-in-full, autopay, and paperless — small discounts that stack together.
- Anti-theft & safety equipment — varies by vehicle and carrier.
No discount replaces shopping. For the same Amarillo driver, two carriers advertising similar discounts can still be fifty dollars apart.
Getting to know Amarillo
Amarillo is home to around 198,645 residents and sits in Randall County.
Amarillo is located in the Randall County area, where day-to-day insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Local housing is a mix of single-family homes typical of the Randall County area; replacement cost, roof age, and construction type still drive most premium differences block by block.
West Texas rating commonly reflects hail, high winds, and wildfire exposure in drier counties.
What usually changes a quote in Amarillo
Carriers weighing applications from Amarillo look past the sticker price of the vehicle. A clean credit file can lose out to prior bodily injury claims, weather-related comprehensive losses, or coverage lapses. Conversely, a longer tenure with continuous insurance and a modest annual mileage estimate can soften the rate even when the car itself is relatively new.
If you work from home some days, ask whether your mileage estimate should change. Mileage estimates from an old job linger on many Amarillo policies, so households overpay for miles they no longer drive. And in the other direction: a longer commute around the Randall County area should go on the application before a claim creates a mismatch.
Picking deductibles and limits around local weather
Because hail, high winds, and sudden severe thunderstorms show up in regional loss data, comprehensive deductibles deserve a deliberate choice in Amarillo. Street or driveway parking? A lower glass deductible may be worthwhile. A higher comprehensive deductible may make sense if you have reserves and want to trim premium on a paid-off vehicle.
The state minimum is not the target: liability limits should match your assets and risk tolerance. A serious at-fault accident on a busy corridor near Amarillo can exceed minimum limits quickly. We talk through scenarios with you so you understand the numbers you buy.
How Freedom Insurance Group works for Amarillo drivers
Carrier ratings and appointments differ by product line, so we confirm which companies can actually quote you. We shop the markets we can access, explain the tradeoffs in plain language, and help you pick limits that fit your real driving in Amarillo and around the Randall County area.
Talk to an agent at (800) 253-1482, or simply request a free auto quote on this site. Also shopping for homeowners coverage? Start on the home quote form, and we will compare bundling options without pressure.
Plan to talk through drivers, vehicles, the garaging ZIP code, desired liability limits, and any recent claims. That discovery step is what turns the illustrative averages on this page into a shortlist of bindable options for your household.
Commutes, cars, and storms in Amarillo
Amarillo has about 79,741 occupied households; 21% have three or more vehicles and 37% have two. That makes multi-car discounts and careful driver assignment a big deal for many local families. Roughly 5.9% of households have no vehicle at all, and anyone who drives occasionally without owning a car can ask about non-owner liability coverage.
NOAA’s Storm Events Database lists 174 hail reports within about 9 miles of Amarillo from 2016 through 2025. The largest stones measured 2.75 inches near Amarillo in May 2022. That is large enough to break glass and heavily dent a car, and those claims go through comprehensive. There were also 32 flash-flood reports nearby, the latest in August 2025; flood damage to a car is covered under comprehensive, not collision.
A typical one-way trip to work from Amarillo takes about 20 minutes, based on the Census Bureau’s 2020–2024 American Community Survey. Of all workers, 77% drive alone, 13% carpool, and 6.6% work from home.
Amarillo covers about 106 square miles of land, and 2020–2024 Census estimates count roughly 201,885 residents, or about 1,903 people per square mile. The closest Texas city with more than 100,000 residents is Lubbock, about 113 miles to the south.
Amarillo traces its official start to 1887. Census counts put Amarillo at 173,627 residents in 2000 and 190,695 in 2010, and the Census Bureau’s July 2024 estimate is 203,729. That works out to about 17% more residents than in 2000. The NOAA Storm Prediction Center database shows 34 tornadoes that began within 10 miles of Amarillo from 1950 through 2015, the strongest an F2 on June 21, 1972.
Comparing nearby rates? We also cover Canyon (15 mi).
ZIP codes we insure in and around Amarillo
79101 · 79102 · 79103 · 79104 · 79106 · 79107 · 79108 · 79109 · 79110 · 79111 · 79114 · 79116
Other Texas coverage options
Amarillo, TX auto insurance quotes
For people in Amarillo, Freedom Insurance Group shops 25+ carriers. Talk to an agent at (800) 253-1482, or simply request a free auto quote on this site.
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