Amarillo Auto Insurance Rates, Quotes, Agents & Reviews in TX

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.

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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.

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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 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

Geico
It 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 Farm
The rates we get for our two cars are competitive, especially due to bundling with other insurances we hold on our home and property.
Geico
Geico'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.
Usaa
USAA'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.
Usaa
my premiums with USAA and deductibles are so low compared to other quotes I received.
Progressive
I 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 Insurance
amica 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 Auto
Amica 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 Auto
Amica 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.
Allstate
It'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.
Progressive
Progressive 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.
Geico
Geico 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.
Usaa
One 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 Insurance
My 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.
Geico
They 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.
Allstate
The interaction and customer are very personal and supportive. To be able to immediately contact my local agent matters a great deal to me
Progressive
There 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.
Geico
There 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.