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Car Insurance in Amarillo

Illustration of van driving by Freeway Insurance headquarters

Amarillo is one of the larger population centers in rural northern Texas, home to nearly 200,000 residents. The city has a long history as a cattle market center due to the availability of nearby railroad and freight services.

Located in U.S. Highway 66, Amarillo is home to notable tourist attractions like the Cadillac Ranch and the Big Texan Steak Ranch. The town has earned the name the “Yellow Rose of Texas” due to the natural beauty of the area.

Quick Facts

  • The average annual cost of car insurance in Amarillo is $1,516
  • There are 199,371 residents of Amarillo as of 2019

How Much Does Car Insurance Cost in Amarillo?

On average, car insurance costs $1,516 per year in Amarillo. This rate is above the state average of $1,415 but below the national average of $1,548. This is understandable given the size of Amarillo relative to other cities in Texas. It is important to remember that the exact cost of your Texas car insurance will vary depending on a number of factors.

City Average Annual Premium
Amarillo $1,516
Dallas $1,680
Garland $1,606
Houston $1,671

Numerous factors could go into determining the cost of your car insurance in Amarillo. These factors include everything from your ZIP code to your gender. Whether or not you have a record of accidents or traffic tickets is especially important.

Keep in mind that while cost is important, it is not the only thing that matters. You must have the necessary amount of coverage when driving in Amarillo. If your insurance coverage is inadequate, you could be personally responsible for any damage you cause in a collision.

Amarillo Car Insurance Rates by Zip Code

It might sound strange, but the zip code that you live in is a major factor in the price of your car insurance. There has been significant research linking certain zip codes to higher accident rates. It makes sense then that living in a zip code with a greater chance of a collision could increase your premiums.

In total, Amarillo has 27 zip codes, and each of them could have different auto insurance rates. Understanding the average rates in your zip code could help you know what to expect from a future quote.

Zip Code Average Car Insurance Rate
79109 $1,254
79107 $1,299
79118 $1,306
79119 $1,325
79101 $1,311
79110 $1,305
79106 $1,337

Amarillo Car Insurance Rates by Age

Another factor that is closely linked to the cost of car insurance is a driver’s age. In general, teenage drivers pay vastly more for their insurance. This is because statistically, these drivers are far more likely to be involved in an accident. As a driver gets older, the cost of their insurance will decline. Once they reach their 70s, those rates begin to rise again.

Regardless of your age, keeping a clean driving record is key to low insurance rates.

Age Average Car Insurance Rate
Teenagers $3,661
20s $1,955
30s $1,488
40s $1,443
50s $1,297
60s $1,321
70s $1,576

Driving Conditions in Amarillo

How Many Fatal Accidents Happen in Amarillo?

Unfortunately, the rate of fatal car accidents is high in Amarillo compared to other cities in Texas of similar size. The city also has the highest rate of alcohol-related traffic fatalities per capita in the state. In total, there were 22 fatal accidents in 2019.

How Are Road Infrastructure and Bridges in Amarillo?

As is the case with any city, infrastructure is a constant challenge for the City of Amarillo. In 2021, the City Council grappled with the poor condition of the local infrastructure coupled with the below-average tax receipts brought in by the city.

Statewide, Texas received an overall infrastructure grade of “C” on its Infrastructure Report Card. The report card gave mixed scores when it comes to transportation. While the state scored a B- on bridges, its highways and roads scored a D+.

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Minimum Car Insurance Requirements in Amarillo

State law mandates that drivers carry a minimum level of liability coverage, and these laws apply to all Amarillo motorists. These requirements involve liability insurance, which protects drivers from claims from other motorists involved in a collision. With enough liability coverage, you will not be personally responsible for the damage that occurs from an accident you have caused.

In Texas, the state minimums are:

  • $30,000 for bodily injuries per person
  • $60,000 for bodily injuries per accident
  • $25,000 for property damage per accident

There are times when you might be required to carry more than the minimum level of insurance. For example, the loan agreement you sign when you buy a vehicle could require you to carry full coverage on your new car. Full coverage includes not only liability insurance but also collision insurance that covers your own damages. While these policies cost more, they can protect you in the long run.

Factors Allowed in Amarillo Car Insurance Rates

Numerous factors could impact your car insurance rates in Amarillo. Some of these factors include:

  • Age
  • Gender
  • Marital status
  • Type of vehicle
  • Credit score
  • Driving record
  • Claims history

Discounts for Car Insurance in Amarillo

One of the best ways to save money on car insurance is through the use of discounts. Numerous discounts could help lower your premiums, including:

What are the Penalties for Driving Without Insurance in Amarillo?

The penalties can be steep for driving without car insurance in Amarillo. In addition to potential jail time or fines, you could also be required to maintain SR-22 insurance.

Get a Quote for Car Insurance in Amarillo Today!

Scenic view of downtown amarillo texas

The best way to keep yourself safe while driving in Amarillo is by securing the right level of car insurance protection. Finding the right policy for you could be easier than you think.

Freeway is here to help you find the best policy in Amarillo. You can get started with a quote online or visit us at an Amarillo office near you. You can also call us at (800) 777-5620 for a quote.