In Amarillo, comprehensive car insurance averages $1,913 annually, $95 above the Texas average of $1,818. Start with our calculator to find budget-friendly rates; explore quotes from multiple providers.
Important Points to Note:
- State Farm presents the most competitive average rates for comprehensive car insurance in Amarillo, amounting to $1,105 annually.
- Your insurance rates are determined by factors ranging from your driving history to your marital status.
- In Texas, the mandated minimum liability coverage includes $25,000 for property damage per accident, $30,000 for bodily injury per person, and $60,000 for bodily injury per accident.
Top Affordable Car Insurance Providers in Amarillo, TX
Insurance expenses can vary based on location, age, driving history, and the vehicle you own.
Each insurance company uses its own criteria for rate-setting, resulting in significant rate differences between companies even for similar coverage.
Here are the five most economical car insurance companies in Amarillo, along with their average costs and J.D. Power ratings when available:
| Company | Average Cost | JD Power Rating |
|---|---|---|
| State Farm | $1,105 | 882 |
| Farm Bureau | $1,206 | — |
| Germania Insurance | $1,491 | — |
| Redpoint County Mutual | $1,546 | — |
| GEICO | $1,553 |
Lowest Car Insurance Rates by ZIP Code in Amarillo, TX
Your location within a city can significantly influence your insurance rates, as insurers analyze ZIP codes to assess neighborhood risks.
Various factors, such as theft rates, vandalism, parking availability, and local accident and traffic ticket statistics, are considered. Check the table below for car insurance rates across different ZIP codes in Amarillo:
| ZIP Code | Average Cost |
|---|---|
| 79118 | $1,860 |
| 79121 | $1,866 |
| 79119 | $1,872 |
| 79106 | $1,897 |
| 79109 | $1,907 |
| 79101 | $1,908 |
| 79110 | $1,910 |
| 79111 | $1,917 |
| 79124 | $1,917 |
| 79103 | $1,920 |
Choosing the Right Car Insurance in Amarillo, TX
Selecting the right car insurance company involves considering a few key factors:
- Cost: Obtain quotes from multiple companies to compare and find the best deal.
- Coverage: Meet minimum state requirements and choose additional coverage based on your needs.
- Service: Besides cost, evaluate the company’s claims satisfaction and customer service ratings.
Policygenius simplifies the process by allowing you to compare quotes from top carriers and choose the best policy for you.
Car Insurance Rates for Violations in Amarillo, TX
Driving violations, such as speeding tickets and accidents, significantly impact insurance rates.
The table below displays average annual rates for various violations in Amarillo:
| Violation | State Farm | Farm Bureau | Germania Insurance | Redpoint County Mutual | GEICO |
|---|---|---|---|---|---|
| At-fault accident | $1,323 | $2,005 | $1,998 | $1,546 | $2,349 |
| DUI | $1,767 | $2,388 | $3,258 | $1,546 | $2,560 |
| Suspended license | $1,545 | $1,307 | $2,628 | $1,546 | $2,560 |
| Open container | $1,677 | $2,388 | $1,595 | $1,546 | $2,560 |
| Expired registration | $1,122 | $1,307 | $1,595 | $1,546 | $1,846 |
| Driving without lights | $1,122 | $1,307 | $1,595 | $1,546 | $1,846 |
| Running a red light | $1,122 | $1,307 | $1,595 | $1,546 | $1,846 |
| Following too closely | $1,122 | $1,307 | $1,595 | $1,546 | $1,846 |
| Hit and run | $1,767 | $1,307 | $3,258 | $1,546 | $2,560 |
| Not-at-fault accident | $1,122 | $1,307 | $1,657 | $1,546 | $1,551 |
| Passing a school bus | $1,122 | $1,307 | $1,595 | $1,546 | $1,846 |
| Reckless driving | $1,767 | $1,307 | $3,258 | $1,546 | $2,560 |
| Speeding | $1,122 | $1,307 | $1,595 | $1,546 |
Most Affordable Car Insurance for Specific Scenarios in Amarillo, TX
Cheapest Car Insurance for Drivers with a DUI:
| Company | Rates for Drivers with DUIs |
|---|---|
| Redpoint County Mutual | $1,546 |
| State Farm | $1,767 |
| Farm Bureau | $2,388 |
| GEICO | $2,560 |
| Germania Insurance | $3,258 |
Cheapest Car Insurance for Drivers with a Speeding Ticket:
| Company | Rates for Drivers with Speeding Tickets |
|---|---|
| State Farm | $1,122 |
| Farm Bureau | $1,307 |
| Redpoint County Mutual | $1,546 |
| Germania Insurance | $1,595 |
| GEICO | $2,560 |
Cheapest Car Insurance for Drivers with Bad Credit:
| Company | Rates for Drivers with Bad Credit |
|---|---|
| Redpoint County Mutual | $1,546 |
| Auto Club | $2,750 |
| Germania Insurance | $2,928 |
| Farm Bureau | $3,035 |
| Southern County Mutual | $3,171 |
Insurers also scrutinize your credit score to determine your car insurance rate.
The provided tables list the five most affordable car insurance companies in Amarillo for drivers with a DUI, speeding ticket, and bad credit, respectively.
Purchasing Car Insurance in Amarillo, TX
In the state of Texas, every registered vehicle must be covered by insurance, meeting the following minimum requirements:
- $25,000 for property damage liability per accident
- $30,000 for bodily injury per person/$60,000 per accident
This insurance coverage must be maintained continuously, even if your vehicle is not actively being driven.
Tips for Obtaining Affordable Car Insurance in Amarillo, TX:
- Maintain a clean record: Avoid accidents and traffic violations to keep insurance rates low.
- Monitor your credit: A positive credit score can contribute to securing a more favorable insurance rate.
- Compare quotes: Obtain quotes from multiple insurance providers to identify the most cost-effective option.
- Choose coverage wisely: Scrutinize details such as deductible amounts and add-ons to ensure your selected coverage aligns with your needs.
- Seek discounts: Inquire about discounts for low mileage, safe driving records, good student status, or affiliations with professional groups like firefighters and teachers.
- Bundle insurance policies: Combining renters or homeowners policies with your car insurance through the same provider may result in reduced rates for both policies.
Also read: Cheap Car Insurance in FL
Frequently Asked Questions
- What is the most affordable car insurance in Amarillo, Texas?State Farm stands out as the most budget-friendly car insurance option for the majority of drivers in Amarillo, Texas. Additionally, Texas Farm Bureau offers affordable coverage.
- Is car insurance mandatory in Amarillo, Texas?Yes, car insurance is mandatory for drivers in Amarillo, Texas, as the state of Texas requires it. The minimum coverage includes $25,000 for property damage liability per accident, $30,000 for bodily injury per person, and $60,000 for bodily injury per accident.
- Is Texas a no-fault state?No, Texas is an at-fault state. In the event of an accident, the at-fault driver’s liability insurance is responsible for covering everyone’s medical bills and expenses, up to the specified coverage limits.
- How can I reduce my car insurance costs in Amarillo?To save on car insurance, maintain a clean driving record with minimal accidents and speeding tickets. Monitoring and maintaining a good credit score can also contribute to cost savings.
Additionally, regularly reassessing and comparing your coverage can help identify potential savings opportunities.