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
|
|---|---|---|---|---|---|---|
| $45 | $537 | Progressive | 42 | June 20, 2025 | Amarillo, TX | 79106 |
| $50 | $604 | Bluefire | 44 | June 22, 2025 | Amarillo, TX | 79110 |
| $52 | $622 | Electric | 38 | June 15, 2025 | Amarillo, TX | 79103 |
| $52 | $623 | Progressive | 31 | July 2, 2025 | Amarillo, TX | 79102 |
| $52 | $625 | Progressive | 42 | June 20, 2025 | Amarillo, TX | 79104 |
| $53 | $637 | Progressive | 35 | July 17, 2025 | Amarillo, TX | 79109 |
| $55 | $657 | Progressive | 44 | August 8, 2025 | Amarillo, TX | 79102 |
| $56 | $673 | Progressive | 37 | June 13, 2025 | Amarillo, TX | 79103 |
| $57 | $688 | Bluefire | 61 | May 27, 2025 | Amarillo, TX | 79109 |
| $58 | $695 | Progressive | 45 | June 28, 2025 | Amarillo, TX | 79119 |
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
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
|
|---|---|---|---|---|---|---|
| $70 | $837 | Progressive | 24 | March 23, 2025 | Amarillo, TX | 79108 |
| $78 | $931 | Progressive | 38 | June 15, 2025 | Amarillo, TX | 79103 |
| $83 | $999 | Bristol West | 54 | July 26, 2025 | Amarillo, TX | 79106 |
| $89 | $1,063 | Progressive | 60 | March 20, 2025 | Amarillo, TX | 79110 |
| $94 | $1,132 | Bluefire | 54 | August 11, 2025 | Amarillo, TX | 79109 |
| $97 | $1,167 | Progressive | 46 | March 25, 2025 | Amarillo, TX | 79102 |
| $107 | $1,288 | ROOT | 35 | August 17, 2025 | Amarillo, TX | 79119 |
| $110 | $1,320 | Bluefire | 37 | June 15, 2025 | Amarillo, TX | 79109 |
| $110 | $1,322 | Safeco | 64 | May 19, 2025 | Amarillo, TX | 79108 |
| $111 | $1,327 | Gainsco | 45 | June 25, 2025 | Amarillo, TX | 79103 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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
|
|---|---|---|---|---|---|---|---|
| $59 | $707 | Progressive | 21 | No | March 25, 2025 | Amarillo, TX | 79110 |
| $68 | $814 | Bluefire | 28 | No | May 23, 2025 | Amarillo, TX | 79102 |
| $70 | $837 | Progressive | 24 | Yes | March 23, 2025 | Amarillo, TX | 79108 |
| $73 | $877 | Progressive | 28 | No | June 24, 2025 | Amarillo, TX | 79108 |
| $79 | $953 | Progressive | 25 | No | July 15, 2025 | Amarillo, TX | 79109 |
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
|
|---|---|---|---|---|---|---|---|
| $50 | $604 | Bluefire | 44 | No | June 22, 2025 | Amarillo, TX | 79110 |
| $52 | $623 | Progressive | 31 | No | July 2, 2025 | Amarillo, TX | 79102 |
| $52 | $625 | Progressive | 42 | No | June 20, 2025 | Amarillo, TX | 79104 |
| $53 | $637 | Progressive | 35 | No | July 17, 2025 | Amarillo, TX | 79109 |
| $55 | $657 | Progressive | 44 | No | August 8, 2025 | Amarillo, TX | 79102 |
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
|
|---|---|---|---|---|---|---|---|
| $57 | $688 | Bluefire | 61 | May 27, 2025 | Amarillo, TX | 79109 | No |
| $69 | $833 | Gainsco | 65 | March 25, 2025 | Amarillo, TX | 79121 | No |
| $73 | $878 | Commonwealth Insurance | 65 | March 12, 2025 | Amarillo, TX | 79104 | No |
| $75 | $905 | Bristol West | 70 | April 26, 2025 | Amarillo, TX | 79102 | No |
| $78 | $936 | Dairyland | 62 | June 20, 2025 | Amarillo, TX | 79107 | No |
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
|
|---|---|---|---|---|---|---|---|
| $50 | $604 | Bluefire | 44 | June 22, 2025 | No | Amarillo, TX | 79110 |
| $52 | $623 | Progressive | 31 | July 2, 2025 | No | Amarillo, TX | 79102 |
| $52 | $625 | Progressive | 42 | June 20, 2025 | No | Amarillo, TX | 79104 |
| $53 | $637 | Progressive | 35 | July 17, 2025 | No | Amarillo, TX | 79109 |
| $55 | $657 | Progressive | 44 | August 8, 2025 | No | Amarillo, TX | 79102 |
| $56 | $673 | Progressive | 37 | June 13, 2025 | No | Amarillo, TX | 79103 |
| $57 | $688 | Bluefire | 61 | May 27, 2025 | No | Amarillo, TX | 79109 |
| $59 | $706 | Clearcover | 54 | July 27, 2025 | No | Amarillo, TX | 79124 |
| $59 | $707 | Progressive | 21 | March 25, 2025 | No | Amarillo, TX | 79110 |
| $61 | $734 | Bluefire | 38 | May 14, 2025 | No | Amarillo, TX | 79106 |
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
|
|---|---|---|---|---|---|---|---|
| <550 | $61 | $729 | Progressive | 64 | July 24, 2024 | Amarillo, TX | 79110 |
| <550 | $63 | $757 | Progressive | 52 | June 4, 2025 | Amarillo, TX | 79108 |
| <550 | $64 | $765 | Assurance America | 60 | May 26, 2024 | Amarillo, TX | 79106 |
| <550 | $66 | $795 | Progressive | 58 | February 5, 2025 | Amarillo, TX | 79109 |
| <550 | $70 | $837 | Progressive | 28 | June 3, 2025 | Amarillo, TX | 79107 |
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 With No Injury | $63 | $757 | Progressive | 52 | No | June 4, 2025 | Amarillo, TX | 79108 |
| At Fault With No Injury | $70 | $837 | Progressive | 28 | No | June 3, 2025 | Amarillo, TX | 79107 |
| At Fault With No Injury | $83 | $998 | Electric | 64 | No | September 13, 2024 | Amarillo, TX | 79107 |
| At Fault With No Injury | $87 | $1,046 | Electric | 62 | No | August 19, 2024 | Amarillo, TX | 79101 |
| At Fault With No Injury | $88 | $1,057 | Progressive | 37 | No | March 17, 2024 | Amarillo, TX | 79107 |
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $40 | $479 | Progressive | 29 | June 25, 2025 | Amarillo, TX | 79118 |
| Speeding over 15 | $60 | $723 | Progressive | 47 | August 1, 2025 | Amarillo, TX | 79106 |
| Speeding over 15 | $66 | $795 | Progressive | 58 | February 5, 2025 | Amarillo, TX | 79109 |
| Speeding over 15 | $74 | $886 | Safeco | 40 | July 31, 2025 | Amarillo, TX | 79119 |
| Speeding over 15 | $83 | $998 | Electric | 64 | September 13, 2024 | Amarillo, TX | 79107 |
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.
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 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.
