Amarillo, TX – Car Insurance Quotes
Auto insurance qutoes in Amarillo, Texas can vary based on several factors, including your age, driving record, type of vehicle, coverage limits, and the insurance company you choose. We can help you compare car insurance quotes from top insurance providers fast for Amarillo drivers.
How Much Does Auto Insurance Cost in Amarillo?
The Amarillo metro area covers four counties: Armstrong, Carson, Potter, and Randall.
Drivers in Amarilo, TX on average will spend around $1,176 yearly for state minimum coverage or $98 a month. If you are looking for a full coverage auto policy you can expect to pay around $1,522 per year or $127 a month. Amarillo drivers may be able to also get car insurance discounts such as good student, clean driving record, as well as home, auto or boat insurance bundle savings.
| County: | Car | SUV: | Sports: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Armstrong | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Carson | $1,136 | $967 | $1,071 | $1,149 | $1,212 |
| Potter | $1,314 | $1,127 | $1,254 | $1,317 | $1,386 |
| Randall | $1,255 | $1,075 | $1,196 | $1,258 | $1,325 |
| Avg. Cost Yearly: | $1,207 | $1,031 | $1,145 | $1,216 | $1,281 |
| Avg. Cost Monthly: | $101 | $86 | $95 | $101 | $107 |
Cheapest Amarillo Car Insurance Providers
The cheapest car insurance providers in Amarillo is USAA, Texas Farm Bureau, AAA and Progressive for the average middle-aged single person who drives a used 4 door car with a clean driving record.
Here is a breakdown from our cost database for yearly state minimum coverage and full coverage by insurance provider for a used vehicle:
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA | $568 | $1,910 |
| Texas Farm Bureau | $638 | $2,025 |
| AAA | $763 | $2,284 |
| Progressive | $782 | $2,472 |
| GEICO | $908 | $2,424 |
| State Farm | $942 | $2,610 |
| All State | $1,292 | $2,750 |
Insurance for New Vehicles
The average cost for auto insurance for a new 2022 – 2023 four door vehicle on average will cost $738 for state minimum coverage and $2,656 for a full coverage policy. Below you’ll find a breakdown insurance providers for both coverage types on a new vehicle:
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA: | $530 | $2,280 |
| GEICO: | $838 | $2,588 |
| AAA: | $763 | $2,672 |
| Progressive: | $720 | $2,766 |
| State Farm: | $838 | $2,974 |
Car Insurance Costs by Age in TX
Age is a significant factor that affects TX auto insurance rates. Generally, younger and older drivers tend to pay higher premiums compared to drivers in the middle age group. Here’s how age can influence car insurance costs:
- Young drivers (under 25): Statistically, young and inexperienced drivers are more likely to be involved in accidents. They are also prone to riskier driving behaviors, such as speeding or distracted driving. As a result, insurance companies consider them higher risk, and their premiums are typically more expensive.
- Middle-aged drivers (25-65): This age group is generally considered to be more experienced and responsible behind the wheel. They are statistically involved in fewer accidents and tend to have lower insurance premiums compared to younger and older drivers.
- Senior drivers (65 and older): As drivers get older, their risk profile may change due to factors such as declining vision, slower reflexes, and potential health issues. Insurance companies may increase premiums for older drivers to reflect these factors and the increased likelihood of accidents.
Here is a comparison of the amounts you can expect to pay based on age in Texas – as you can see young drivers will pay much more on premiums until there is a significant drop in costs at age 29. Your auto policy continues to get cheaper until age 65 when it slowly starts increasing as you age.
| Driver’s Age: | State Minimum Coverage | Full Coverage |
|---|---|---|
| 17 | $2,686 | $7,193 |
| 18 | $2,346 | $6,376 |
| 20 | $1,664 | $4,752 |
| 22 | $1,248 | $3,659 |
| 24 | $1,068 | $3,172 |
| 29 | $865 | $2,654 |
| 34 | $833 | $2,530 |
| 39 | $829 | $2,496 |
| 44 | $825 | $2,460 |
| 49 | $813 | $2,425 |
| 54 | $791 | $2,329 |
| 64 | $807 | $2,270 |
| 74 | $982 | $2,622 |
| 76 | $1,049 | $2,761 |
Choosing an Auto Policy in Amarillo, TX
When deciding which auto policy you want in Amarillo, you’ll first want to determine a few things about the right type car insurance coverage you need and your price range.
- Minimum Coverage: In Texas, the minimum car insurance coverage required by law includes $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, and $25,000 property damage liability. The average cost for minimum coverage in Amarillo can range from $600 to $1,000 per year, depending on individual factors.
- Full Coverage: Full coverage typically includes liability coverage (as mentioned above) along with comprehensive and collision coverage. Comprehensive coverage protects your vehicle from non-accident-related damage (e.g., theft, vandalism, natural disasters), while collision coverage covers damage caused by accidents. The cost of full coverage can vary significantly based on your vehicle’s value and other factors. On average, full coverage can cost around $1,200 to $2,500 per year in Amarillo.
- Deductibles: The deductible is the amount you pay out of pocket before your insurance coverage kicks in. Choosing a higher deductible can help lower your premium, but it means you’ll have to pay more in the event of a claim. Deductible amounts typically range from $500 to $1,000.
- Discounts: Insurance companies offer various discounts that can help reduce your premium. Common discounts include safe driving records, multi-policy discounts (such as bundling car and home insurance), good student discounts, and discounts for vehicles with safety features. Inquire about available discounts when obtaining quotes.
- Comparison Shopping Online: Compare quotes from multiple insurance providers that cover Amarillo drivers to find the best rates through our simple online form. You can contact insurance agents directly or utilize our online comparison tools to obtain your estimates from different insurers.
