Car Insurance in Amarillo, Texas
Estimated full coverage in Amarillo runs about $1,860 a year ($155/month) — ▼ −2% versus the Texas average, ranking 43rd most expensive of the 57 Texas cities we cover.
Why car insurance in Amarillo costs less than the Texas average
Insurers price by territory, and Amarillo's numbers explain most of the gap. With 203,729 residents on 103.6 square miles, the city's density (1,966 people per square mile) is 2.9 times the density where the typical Texas resident lives (670). The average commute is 19.6 minutes (Texas: 26.7), and 77% of workers drive alone. Together these put our location factor at 0.99× the state baseline for liability and collision, and 0.95× for comprehensive once FEMA weather risk for Randall County is included.
| Factor | Amarillo | Texas ref. | Why it matters |
|---|---|---|---|
| Population density | 1,966 / sq mi | 670 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 19.6 min | 26.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 5.7% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 77.0% | — | Share of workers commuting by car. |
| Public transit to work | 0.6% | — | Transit use lowers how much residents drive. |
| Work from home | 6.6% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 5.9% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 71.6 | 89.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Amarillo
Rates can change from one ZIP code to the next. Across 11 Amarillo ZIP codes, our full-coverage estimate ranges from $1,660 in 79111 to $1,945 in 79102. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 79109 | 43,578 | 4,226 | 18.1 min | 6.2% | $1,910 | +3% |
| 79107 | 36,662 | 1,868 | 24.4 min | 6.5% | $1,930 | +4% |
| 79118 | 28,107 | 176 | 21.9 min | 2.5% | $1,680 | −10% |
| 79106 | 26,161 | 3,045 | 16.8 min | 9.0% | $1,860 | 0% |
| 79110 | 16,994 | 3,126 | 18.2 min | 1.3% | $1,885 | +1% |
| 79103 | 11,306 | 2,645 | 20.4 min | 4.6% | $1,900 | +2% |
| 79102 | 9,393 | 3,447 | 21.4 min | 10.5% | $1,945 | +5% |
| 79104 | 6,561 | 2,161 | 19.5 min | 9.0% | $1,870 | +1% |
| 79121 | 6,437 | 3,672 | 19.8 min | 2.8% | $1,925 | +3% |
| 79101 | 2,526 | 1,582 | 21.5 min | 37.0% | $1,870 | +1% |
| 79111 | 1,575 | 141 | 21.8 min | 3.2% | $1,660 | −11% |
Minimum car insurance in Amarillo
Amarillo drivers follow Texas's rules: at least 30/60/25 liability coverage. Texas is at-fault (tort). We estimate state-minimum coverage in Amarillo at $685 a year, and $960 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — All Texas auto policies include personal injury protection unless the policyholder rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured/underinsured motorist coverage; rejecting it must be done in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of the uninsured/underinsured motorist coverage that must be offered. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Amarillo premiums
Accidents
Texas recorded 4,160 traffic deaths, or 1.35 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Texas's vehicle theft rate is 248 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Randall County as relatively high for hail, relatively low for inland flooding and relatively high for strong wind.
Traffic & commuting
5.7% of Amarillo commuters spend an hour or more getting to work, and there are 1.80 vehicles per household. 6.6% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.1 | Comprehensive (car); roof claims (home) | |
| Tornado | 96.4 | Comprehensive; dwelling | |
| Hurricane | 0.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 66.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 95.5 | Comprehensive; dwelling | |
| Winter weather | 99.3 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Amarillo by driver profile
A clean-record driver in their 50s pays the least in our Amarillo model (about $1,715 for full coverage); an 18-year-old on their own policy pays about $5,120, and a DUI pushes a 30-something to $3,445.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,890 | $2,635 | $5,120 | $427 |
| Young adult (22) | $1,100 | $1,530 | $2,980 | $248 |
| Adult in their 30s | $685 | $960 | $1,860 | $155 |
| Adult in their 50s | $630 | $880 | $1,715 | $143 |
| Senior (72) | $770 | $1,070 | $2,085 | $174 |
| 30s, one at-fault accident | $995 | $1,390 | $2,700 | $225 |
| 30s, DUI on record | $1,270 | $1,770 | $3,445 | $287 |
Minimum vs. standard vs. full coverage in Amarillo
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $685 | $57 | $565–$810 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $960 | $80 | $785–$1,130 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,860 | $155 | $1,525–$2,195 |
Estimate your premium in Amarillo
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Cheap car insurance in Amarillo: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Amarillo's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $125 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $130 | You're among the 6.6% of Amarillo workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $495 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $900 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $410 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Amarillo
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 67 offices listed below.
- Check complaint records with the Texas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Amarillo, our estimates differ by up to $285 a year between neighborhoods.
Car insurance agents near Amarillo, TX
We found 67 insurance offices within about 8 miles of central Amarillo, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Insurica Amarillo
905 South Fillmore Street, #600, Amarillo, TX 79101 -
Teresa Acosta Flores Insurance
1008 South Arthur Street, Amarillo, TX 79102 -
Gower & Co. Insurance
215 Southwest 9th Avenue, Amarillo, TX 79101 -
Tiffani Jean Britten - Farmers Insurance
6601 W I 40, Amarillo, TX 79106 -
Williams-Boyce Agency, LLP
212 Southeast 6th Avenue, Amarillo, TX 79101 -
Gustavo M Sanchez - Farmers Insurance
600 S Tyler St, Amarillo, TX 79101 -
Reyna Brown Trucking Insurance Agency
1408 South Jefferson Street, #103, Amarillo, TX 79101 -
Bell and Boyd Agency
617 Southwest 8th Avenue, Amarillo, TX 79101 -
O'Loughlin Agency, LLC
1102 W Interstate 40, Amarillo, TX 79102 -
State Farm
2001 South Washington Street, Amarillo, TX 79109 -
Producers Ag Insurance Company
2035 South Hughes Street, #200, Amarillo, TX 79109 -
State Farm
619 North Fillmore Street, Amarillo, TX 79107 -
Insurance Management Services
731 East Amarillo Boulevard, Amarillo, TX 79107 -
A-MAX Auto Insurance
807 East Amarillo Boulevard, Amarillo, TX 79107 -
Acceptance Insurance
1000 East Amarillo Boulevard, Amarillo, TX 79107 -
Jayden Parker - Allstate
3606 S Washington St, Amarillo, TX 79110 -
Nicole Dole - Farmers Insurance
1220 S Georgia St, Amarillo, TX 79102 -
Verna Popp Insurance
2415 Line Avenue, Amarillo, TX 79106 -
Fred Loya Insurance
817 Martin Road, Amarillo, TX 79107 -
Freeway Insurance
2301 E Amarillo Blvd, Amarillo, TX 79107 -
VIVA Insurance
1109 South Grand Street, Amarillo, TX 79104 -
Corina Tri Hoang - Farmers Insurance
1409 S Grand St, Amarillo, TX 79104 -
State Farm
3100 South Georgia Street, Amarillo, TX 79109 -
Assurance Group
TX -
Progressive
3009 East Amarillo Boulevard, Amarillo, TX 79107 -
Jason Chafe - State Farm
3430 I40 Frontage Rd, Amarillo, TX 79102 -
Brenton Schroeter - Allstate
3600 S Georgia St, Amarillo, TX 79109 -
Jordan Kent Neal - Farmers Insurance
2525 Lakeview Dr, Amarillo, TX 79109 -
Rhonda Kimbrough - State Farm
3314 Olsen Blvd, Amarillo, TX 79109 -
Scott Edward Henderson - Farmers Insurance
4000 S Georgia St, Amarillo, TX 79109 -
Lupe Laird - Farmers Insurance
1722 S Western St, Amarillo, TX 79106 -
Bill McDonald - Allstate
1724 S Western St, Amarillo, TX 79106 -
Amarillo's Insurance
1812 South Western Street, Amarillo, TX 79106 -
Don Tipps - State Farm
2301 S. Western St., Amarillo, TX 79109 -
Mary Leslie Massey - Farmers Insurance
2700 S Western St, Amarillo, TX 79109 -
Brown Insurance
1601 North Grand Street, Amarillo, TX 79107 -
Freeway Insurance
2909 S Western St, Amarillo, TX 79109 -
DeAnna Louise Espinoza - Farmers Insurance
6110 Canyon Dr, Amarillo, TX 79109 -
A-MAX Auto Insurance
3309 South Western Street, Amarillo, TX 79109 -
Matt Moles: Allstate Insurance
3451 South Western Street, Amarillo, TX 79109
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Amarillo
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,400 | −25% |
| Subaru Outback | Wagon | $1,400 | −25% |
| Tesla Model 3 | Midsize car | $1,940 | +4% |
| Subaru Forester | Small SUV | $1,370 | −26% |
| Honda Civic | Compact car | $2,105 | +13% |
| Toyota Corolla | Compact car | $1,970 | +6% |
| Jeep Wrangler | Midsize SUV | $1,530 | −18% |
| Mazda CX-5 | Small SUV | $1,565 | −16% |
| MINI Cooper | Subcompact car | $1,405 | −24% |
| Tesla Model Y | Midsize SUV | $1,745 | −6% |
Car insurance in nearby Texas cities
- Lubbock $1,815/yr · 113 mi
- Wichita Falls $1,740/yr · 208 mi
- Midland $1,870/yr · 220 mi
- Abilene $1,745/yr · 224 mi
- Odessa $1,935/yr · 231 mi
- San Angelo $1,835/yr · 272 mi
- Denton $1,940/yr · 301 mi
- Fort Worth $2,060/yr · 306 mi
- Southlake $1,955/yr · 310 mi
- Lewisville $2,030/yr · 315 mi
- Frisco $2,105/yr · 319 mi
- Arlington $2,095/yr · 320 mi
All Texas cities and state rules · Homeowners insurance in Amarillo
Frequently asked questions
How much is car insurance in Amarillo, TX?
We estimate full coverage in Amarillo at about $1,860 a year ($155 a month) for a driver in their 30s with a clean record, and about $685 for Texas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Amarillo cheaper than the Texas average?
Our Amarillo estimate is 2% lower than the statewide figure. The model reflects a population density of 1,966 people per square mile (the typical Texas resident lives at about 670) and an average commute of 19.6 minutes versus 26.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Amarillo?
Drivers in Amarillo follow Texas law: at least 30/60/25 liability coverage.
Which ZIP code in Amarillo has the cheapest car insurance?
Among Amarillo's 11 ZIP codes, 79111 has the lowest estimate (about $1,660 a year for full coverage) and 79102 the highest (about $1,945), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Amarillo?
An 18-year-old with their own full-coverage policy would pay around $5,120 a year in Amarillo by our estimate ($1,890 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Amarillo?
Yes. FEMA's National Risk Index rates Randall County for hail (relatively high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Amarillo?
We list 67 insurance offices in and around Amarillo, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Texas Department of Insurance: Auto insurance guide
- Texas DPS: Section 9 - SR-22 (Proof of Financial Responsibility)
- HelpInsure.com (TDI): Find and compare auto insurance policies
- Texas Department of Insurance: Get help with an insurance complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Amarillo and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places