Cheap Car Insurance in Amarillo, TX (October 2025)

Written by Xuyun Zeng and 1 other

Updated Oct 14, 2025

Cheap Car Insurance in Amarillo, TX (October 2025)

Your driving history, age and other factors influence your insurance premiums. Here are the cheapest car insurance policies in Amarillo.

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Written by Xuyun Zeng and 1 other

Updated Oct 14, 2025

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Jerry’s editorial content is created, edited and fact-checked by licensed insurance agents, automotive professionals and experienced researchers and writers. Facts are thoroughly researched, independently verified and routinely updated. Read more about our editorial standards and how we make money.

Cars are deeply ingrained into the culture of Amarillo, as the city was a key stop along Route 66, and is still known for quirky roadside attractions like Cadillac Ranch and the Leaning Tower of Texas. Drivers here deserve kudos for dealing with dust storms, traffic on Interstate 40 and winds so strong they can tip over a semi truck.

Make sure you’ve got a good car insurance policy before hitting the road in the Texas Panhandle. We’ve gathered data from Jerry customers in Amarillo to help you figure out which companies might offer lower prices and understand how your age, driving history and coverage needs can impact your rate.

More: Best car insurance companies

Cheapest minimum coverage in Amarillo, TX

These are the cheapest car insurance quotes that drivers in Amarillo have received via Jerry.

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

$24	$282	Geico	62	10/08/25	Amarillo, TX	79109
$45	$537	Progressive	42	06/20/25	Amarillo, TX	79106
$46	$548	ROOT	50	09/16/25	Amarillo, TX	79109
$46	$551	Progressive	46	09/14/25	Amarillo, TX	79110
$46	$557	Progressive	26	08/19/25	Amarillo, TX	79109
$50	$598	Geico	20	08/23/25	Amarillo, TX	79118
$50	$604	Bluefire	44	06/22/25	Amarillo, TX	79110
$50	$605	Assurance America	67	09/15/25	Amarillo, TX	79118
$52	$622	Electric	38	06/15/25	Amarillo, TX	79103
$52	$623	Progressive	31	07/02/25	Amarillo, TX	79102

Last Updated Oct. 11, 2025

Drivers in Texas must carry these minimum coverages:

$30,000 of bodily injury per person.
$60,000 of bodily injury per accident.
$25,000 for property damage.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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More: Get cheap car insurance in Texas

Cheapest full coverage in Amarillo, TX

Amarillo faces a few occasions of freezing weather per year and its wildfires can cause extensive damage. The minimum coverage won’t pay for your repairs if your car gets damaged by a natural disaster, but full coverage could. These are the cheapest quotes for full coverage in Amarillo, based on Jerry’s quote data.

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

$71	$851	Progressive	67	09/30/25	Amarillo, TX	79109
$71	$854	Geico	54	08/11/25	Amarillo, TX	79109
$79	$943	Progressive	54	07/26/25	Amarillo, TX	79106
$79	$952	Electric	38	06/15/25	Amarillo, TX	79109
$82	$987	Progressive	33	09/22/25	Amarillo, TX	79124
$87	$1,043	Liberty Mutual	74	08/03/25	Amarillo, TX	79103
$88	$1,053	Progressive	38	05/14/25	Amarillo, TX	79106
$89	$1,071	Progressive	45	06/25/25	Amarillo, TX	79109
$91	$1,086	Bluefire	61	10/01/25	Amarillo, TX	79102
$91	$1,090	ROOT	41	09/29/25	Amarillo, TX	79107

Last Updated Oct. 15, 2025

Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

35-45 years old.
Clean driving record.
$50,000 in bodily injury liability, per person.
$100,000 in bodily injury liability, per accident.
$1,000 deductible for comprehensive and collision insurance.

More: Best car insurance in Texas

Cheapest car insurance for young drivers in Amarillo (18-29 years old)

Young drivers typically pay the highest rates for an auto policy of their lack of experience behind the wheel, making them riskier to insure. Shopping for car insurance may help young drivers in Amarillo find the cheapest car insurance policy. Here are the cheapest quotes that they have received via Jerry.

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

$29	$350	Geico	29	No	09/21/25	Amarillo, TX	79110
$55	$657	Bristol West	27	No	08/03/25	Amarillo, TX	79119
$75	$895	Progressive	21	No	09/13/25	Amarillo, TX	79110
$79	$953	Progressive	25	No	07/15/25	Amarillo, TX	79109
$91	$1,091	Bristol West	26	No	07/03/25	Amarillo, TX	79107
$87	$1,043	Liberty Mutual	74		08/03/25	Amarillo, TX	79103
$88	$1,053	Progressive	38		05/14/25	Amarillo, TX	79106
$89	$1,071	Progressive	45		06/25/25	Amarillo, TX	79109
$91	$1,086	Bluefire	61		10/01/25	Amarillo, TX	79102
$91	$1,090	ROOT	41		09/29/25	Amarillo, TX	79107

Last Updated Oct. 15, 2025

Cheapest car insurance for mature drivers in Amarillo (30-54 years old)

Drivers between 30 and 54 typically pay lower rates than younger drivers. Here are the cheapest quotes that mature drivers in Amarillo have received via Jerry.

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

$46	$548	ROOT	50	No	09/16/25	Amarillo, TX	79109
$50	$604	Bluefire	44	No	06/22/25	Amarillo, TX	79110
$52	$623	Progressive	41	No	09/19/25	Amarillo, TX	79118
$52	$623	Progressive	31	No	07/02/25	Amarillo, TX	79102
$52	$625	Progressive	42	No	06/20/25	Amarillo, TX	79104
$87	$1,043	Liberty Mutual	74		08/03/25	Amarillo, TX	79103
$88	$1,053	Progressive	38		05/14/25	Amarillo, TX	79106
$89	$1,071	Progressive	45		06/25/25	Amarillo, TX	79109
$91	$1,086	Bluefire	61		10/01/25	Amarillo, TX	79102
$91	$1,090	ROOT	41		09/29/25	Amarillo, TX	79107

Last Updated Oct. 11, 2025

Cheapest car insurance for older drivers in Amarillo (55+ years old)

Drivers 55 and older typically pay low rates for their auto insurance, but rates usually rise once they reach their 70s. Check out the cheapest rates that seniors in Amarillo have received via Jerry.

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code	Has Full Coverage

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code	Has Full Coverage

$24	$282	Geico	62	10/08/25	Amarillo, TX	79109	No
$53	$638	Electric	75	09/28/25	Amarillo, TX	79108	No
$57	$688	Bluefire	61	05/27/25	Amarillo, TX	79109	No
$73	$879	Gainsco	62	09/12/25	Amarillo, TX	79110	No
$75	$905	Bristol West	70	04/26/25	Amarillo, TX	79102	No
$87	$1,043	Liberty Mutual	74	08/03/25	Amarillo, TX	79103
$88	$1,053	Progressive	38	05/14/25	Amarillo, TX	79106
$89	$1,071	Progressive	45	06/25/25	Amarillo, TX	79109
$91	$1,086	Bluefire	61	10/01/25	Amarillo, TX	79102
$91	$1,090	ROOT	41	09/29/25	Amarillo, TX	79107

Last Updated Oct. 11, 2025

Cheapest car insurance for drivers with clean records in Amarillo

Driving safely helps keep your insurance bill low. These are the cheapest quotes that drivers with no accidents, violations or insurance claims in Amarillo have received via Jerry.

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	Has Full Coverage	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	Has Full Coverage	City, State	ZIP Code

$29	$350	Geico	29	09/21/25	No	Amarillo, TX	79110
$43	$515	Progressive	67	05/31/25	No	Amarillo, TX	79107
$43	$516	Safeco	54	07/27/25	No	Amarillo, TX	79124
$43	$518	Geico	54	08/11/25	No	Amarillo, TX	79108
$47	$565	Progressive	38	06/15/25	No	Amarillo, TX	79103
$50	$598	Geico	47	06/17/25	No	Amarillo, TX	79119
$50	$599	Progressive	41	09/29/25	No	Amarillo, TX	79107
$51	$612	Bluefire	37	06/14/25	No	Amarillo, TX	79119
$52	$626	Bluefire	39	08/10/25	No	Amarillo, TX	79118
$52	$628	Bluefire	42	06/20/25	No	Amarillo, TX	79104

Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with low credit scores in Amarillo

Texas allows insurers to use drivers’ credit scores to help calculate car insurance premiums. A lower score may lead to a higher premium. These are the cheapest quotes that drivers in Amarillo with scores below 550 have received via Jerry.

Credit Score	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Policy	City, State	ZIP Code

Credit Score	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Policy	City, State	ZIP Code

<550	$55	$657	Progressive	57	08/23/25	Amarillo, TX	79119
<550	$61	$729	Progressive	64	07/24/24	Amarillo, TX	79110
<550	$63	$757	Progressive	52	06/04/25	Amarillo, TX	79108
<550	$66	$795	Progressive	58	02/05/25	Amarillo, TX	79109
<550	$67	$807	Bluefire	40	09/16/25	Amarillo, TX	79106
	$50	$598	Geico	47		Amarillo, TX	79119
	$50	$599	Progressive	41		Amarillo, TX	79107
	$51	$612	Bluefire	37		Amarillo, TX	79119
	$52	$626	Bluefire	39		Amarillo, TX	79118
	$52	$628	Bluefire	42		Amarillo, TX	79104

Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with at-fault accidents in Amarillo

If you’ve recently been in an at-fault accident, your rates will usually rise. It’s wise to compare multiple quotes to ensure you’re getting the cheapest rate for auto insurance. These are the cheapest quotes that drivers in Amarillo with at-fault accidents have received through Jerry.

At-fault Accident on Record	Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Policy	City, State	ZIP Code

At-fault Accident on Record	Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Policy	City, State	ZIP Code

At Fault With No Injury	$55	$657	Progressive	57	No	08/23/25	Amarillo, TX	79119
At Fault With No Injury	$63	$757	Progressive	52	No	06/04/25	Amarillo, TX	79108
At Fault With No Injury	$70	$837	Progressive	28	No	06/03/25	Amarillo, TX	79107
At Fault With No Injury	$83	$998	Electric	64	No	09/13/24	Amarillo, TX	79107
At Fault With No Injury	$87	$1,046	Electric	62	No	08/19/24	Amarillo, TX	79101
	$50	$598	Geico	47	No		Amarillo, TX	79119
	$50	$599	Progressive	41	No		Amarillo, TX	79107
	$51	$612	Bluefire	37	No		Amarillo, TX	79119
	$52	$626	Bluefire	39	No		Amarillo, TX	79118
	$52	$628	Bluefire	42	No		Amarillo, TX	79104

Last Updated Oct. 11, 2025

Cheapest car insurance for drivers with speeding tickets in Amarillo

If you’ve recently been cited for speeding, your insurance bill will likely increase. To keep your insurance as cheap as possible, compare new quotes before your policy renews. These are the cheapest quotes that drivers in Amarillo with speeding tickets have received via Jerry.

Violation Summary	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Violation Summary	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Speeding under 15	$30	$358	Geico	26	07/19/25	Amarillo, TX	79124
Speeding over 15	$46	$552	Bluefire	40	09/16/25	Amarillo, TX	79106
Speeding under 15	$76	$910	ROOT	35	08/17/25	Amarillo, TX	79119
Speeding over 15	$95	$1,138	Geico	34	08/07/25	Amarillo, TX	79111
Speeding over 15	$108	$1,296	Electric	35	07/25/25	Amarillo, TX	79106
	$50	$598	Geico	47	06/17/25	Amarillo, TX	79119
	$50	$599	Progressive	41	09/29/25	Amarillo, TX	79107
	$51	$612	Bluefire	37	06/14/25	Amarillo, TX	79119
	$52	$626	Bluefire	39	08/10/25	Amarillo, TX	79118
	$52	$628	Bluefire	42	06/20/25	Amarillo, TX	79104

Last Updated Oct. 15, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

^†Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.