Amarillo, TX Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Amarillo, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Find the Best Auto Insurance Cost In Amarillo, TX
In Amarillo, TX, the average cost of vehicle insurance is $1348. Auto insurance premiums vary greatly depending on individual rating variables, which Zimlon delves into further below. The cheapest form of auto insurance a person can have depends on their age and location when obtaining it, as well as other criteria imposed by state law or any firm they may be purchasing from with a range of rates.
Examine the factors and discounts accessible in Amarillo, TX in the table below.
Costs for Multi-Car Insurance
Amarillo car owners might save money on insurance by purchasing multiple policies from the same company. Bundled rates are less expensive because your policies and claims are handled by one firm rather than many organisations. The following are some examples of average savings:
Based on the driver's age
Teenagers and young drivers have higher insurance rates because they are perceived as more careless behind the wheel. In Amarillo, minors pay $4374 on average for auto insurance, compared to $1334 and $1284 for older persons 30-40 years old. Car owners in Amarillo can save money on their insurance by comparing age-based policies and taking advantage of discounts such as the good student/driver discount or defensive driving.
Depending on your credit score
Car insurance may be less expensive for those with good credit and a clean driving record. According to Zimlon's research, if you are a "excellent" driver with a score of 800 or higher, your average annual premium in Amarillo is $1157; however, if you make the same decision with more than one minor infraction or traffic violation on record less than 600, which could affect how much risk insurers see as acceptable to insure drivers like yourself at any given time, your premiums will shoot up to $1405. In other words, car owners with good credit pay less than the average insurance cost, and car owners with bad credit spend up to $2199 in premiums.
Based on security features
Cars with safety features not only safeguard the vehicle and its occupants, but they can also save money. Car insurance firms will offer discounts to road safety advocates who install as many safety features as possible on their vehicles. Depending on the type or amount of protective features installed, cost savings will vary. According to Zimlon's research, automobile owners in Amarillo can save $1254 on auto insurance by installing passive disabling devices. In Amarillo installing features such as an audible alarm or an active disabling device can lower insurance prices to $1294. The average cost of insurance for cars equipped with active tracking systems is $1267.
Factors that can influence the cost of car insurance in Amarillo, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Amarillo, TX Auto Insurance Rates
- Amarillo, TX Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Amarillo, TX
- Multi Vehicle Insurance Savings in Amarillo, TX
- How Credit Score Affects Car Insurance Rates in Amarillo, TX
- How DUI Affects Auto Insurance Premiums in Amarillo, TX
- Top Auto Insurance Agents Near Amarillo, TX
- How Driving Violations Affect Auto Insurance Rates in Amarillo, TX
- Amarillo, TX Auto Insurance Discounts on Anti Theft Feature
- Amarillo, TX Auto Insurance Company Reviews
Amarillo, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Amarillo, TX with that of other cities in and around Amarillo.
| Amarillo | Potter County | Bishop Hills | Palisades | Randall County | Timbercreek Canyon | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,348 | $1,864 | $2,023 | $1,890 | $1,502 | $2,109 |
Amarillo, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Amarillo, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Amarillo | $2,001 | $1,690 |
| Bishop Hills | $1,461 | $1,234 |
| Palisades | $1,093 | $923 |
| Timbercreek Canyon | $2,006 | $1,695 |
| Lake Tanglewood | $1,688 | $1,426 |
| Potter County | $1,185 | $1,001 |
| Canadian River Breaks | $1,485 | $1,255 |
| Randall County | $1,579 | $1,334 |
Amarillo, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Amarillo, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,374 |
| 20 Years | $1,732 |
| 30 Years | $1,334 |
| 40 Years | $1,284 |
| 50 Years | $1,189 |
| 60 Years | $1,205 |
| 70 Years | $1,403 |
Amarillo, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Amarillo, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,372 | $324 |
| 3 Vehicles | $3,559 | $485 |
| 4 Vehicles | $4,745 | $647 |
Savings on 2 Vehicles bundle:$324
Savings on 3 Vehicles bundle:$485
Savings on 4 Vehicles bundle:$647
Amarillo, TX Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Amarillo, TX.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Amarillo | $1,348 | $2,099 |
| Bishop Hills | $2,023 | $3,149 |
| Palisades | $1,890 | $2,942 |
| Timbercreek Canyon | $2,109 | $3,283 |
| Lake Tanglewood | $2,270 | $3,534 |
| Potter County | $1,864 | $2,902 |
| Canadian River Breaks | $1,972 | $3,070 |
| Randall County | $1,502 | $2,338 |
Amarillo, TX Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,157 |
| Excellent (740-799) | $1,320 |
| Good (670-739) | $1,405 |
| Average (580-669) | $1,833 |
| Poor (300-579) | $2,199 |
Amarillo, TX Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Jeff Bara | State Farm | 1203 S Grand St, Amarillo, 79104-2735 | 806-322-3585 |
| Lupe Laird | Farmers | 1201 S Polk St Spc 100, Amarillo, 79101 | (806) 418-2750 |
| Joel A. White | Liberty Mutual | 112 Sw 8Th Ave. Suite 301C, Amarillo, 79101 | 1-214-618-6880 |
| Shannon Brooks | State Farm | 2001 S Washington St, Amarillo, 79109-2414 | 806-373-7253 |
| Brian Gibbs | State Farm | 3318 S Georgia St Ste 2714, Amarillo, 79109-3438 | 806-352-5700 |
| Russ Glaze | State Farm | 5001 Lexington Sq, Amarillo, 79119-6576 | 806-373-1481 |
| Brian Moore | State Farm | 3333 S Coulter, Amarillo, 79106-2727 | 806-353-9517 |
| Mary Leslie Massey | Farmers | 2700 S Western St Ste 700, Amarillo, 79109 | (806) 352-7388 |
| Upshaw & Brown Lp | Travelers | 801 S FILLMORE STE 300, AMARILLO, 79105 | 806-372-4426 |
| Corina Hoang | Farmers | 1009 S Grand St Ste B, Amarillo, 79104 | (806) 367-9567 |
| Dfb Insurance Group, Llc | None | 5625 Fulton Dr, Amarillo, 79109 | (806) 356-6000 |
| John Parker Jr | State Farm | 3100 S Georgia St, Amarillo, 79109-3400 | 806-353-9821 |
Amarillo, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$59 | $1,407 |
| Driver's Failure In Showing Documents | +$131 | $1,479 |
| Driving With An Expired Registration | +$139 | $1,487 |
| Driving At A Considerably Slow Pace | +$293 | $1,641 |
| Using A Cellphone While Driving | +$309 | $1,657 |
| Running A Red Light | +$314 | $1,662 |
| Speeding | +$330 | $1,678 |
| Driving A Vehicle Without The Required Permission | +$419 | $1,767 |
| Driving With An Expired/Suspended License | +$909 | $2,257 |
Amarillo, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,294 |
| Active Disabling Device | $1,294 |
| Tracking Device | $1,267 |
| Passive Disabling Device | $1,254 |
Latest Auto Insurance Reviews in Amarillo, TX | Back to Top
GeicoIt was cheaper just to bundle our car insurance together rather than have it separated out but ultimately the insurance cost is high because of the area we live in.
State FarmThe rates we get for our two cars are competitive, especially due to bundling with other insurances we hold on our home and property.
GeicoGeico's car insurance policy offerings are better than most other insurance providers, probably because they want to entice customers who were attracted by their ads.
UsaaUSAA's auto insurance customer service is very friendly and helpful, especially at times of need such as an accident or a burglary. They were very accommodating and helpful in stepping through all my options.
Usaamy premiums with USAA and deductibles are so low compared to other quotes I received.
ProgressiveI would recommend because overall I don't think they are bad and probably have good customer service. I do think that you could definitely find cheaper insurance if you took the time to look.
Amica Mutual Insuranceamica premium deductible are fair and reasonable. Indeed, it offers the best rates. No hidden charges nor levies. It offers complete insurance package compared to other in the industry.
State AutoAmica auto lets you choose a deductible and coverage level and prices the policies accordingly. On an apples to apples rate check it came out below State Farm and others.
State AutoAmica auto lets you choose a deductible and coverage level and prices the policies accordingly. On an apples to apples rate check it came out below State Farm and others.
AllstateIt's a good policy because they offer many benefits at a cheap price. I can always trust them to give me a good deductible at a reasonable price, and they will always provide support when I need it.
ProgressiveProgressive has excellent customer service. They are always helpful and answer questions, their website has a multitude of information on it and is easy to access and navigate.
GeicoGeico offers me accident forgiveness which I have not yet used. This allows me to not have my insurance premium increase if I am in an accident. This gives me reassurance and will keep me as a customer.
UsaaOne thing I dislike about USAA as a company is that they have no local offices or branches to speak to someone in person at.
Farmer's InsuranceMy husband very thoroughly researches insurance companies and compares costs and benefits. We feel West Bend offers us the best value for our money. Although we have not had a claim against our policy, we have been very happy with our experiences so far.
GeicoThey can be reached 24 hours a day, 7 days per week. They are also available online via chat or through calling. I have only had to call a couple times, but every call was quick, efficient, and the agent was incredibly helpful and thorough. I have never been disappointed when I need to contact their support agents.
AllstateThe interaction and customer are very personal and supportive. To be able to immediately contact my local agent matters a great deal to me
ProgressiveThere really is not anything that I dislike about my company. Luckily, I have not had an incident where I have had to report a claim.
GeicoThere is nothing that I really dislike about the company. You pretty much get what you pay for. So when I am in need of more services I will either have to upgrade my services or choose a different company.