Cheap Car Insurance in Amarillo, TX (August 2025)

Written by Xuyun Zeng and 1 other
Updated Jul 23, 2025
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Cheap Car Insurance in Amarillo, TX (August 2025)

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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
$46 $553 Progressive 48 February 3, 2025 Amarillo, TX 79107
$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
$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
Last Updated Jul, 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.

Find affordable car insurance in minutes.

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
$89 $1,063 Progressive 60 March 20, 2025 Amarillo, TX 79110
$97 $1,167 Progressive 46 March 25, 2025 Amarillo, TX 79102
$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
$111 $1,330 Electric 43 June 22, 2025 Amarillo, TX 79101
$113 $1,360 Electric 38 May 14, 2025 Amarillo, TX 79106
$116 $1,390 Clearcover 65 February 7, 2025 Amarillo, TX 79106
Last Updated Jul, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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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
Last Updated Jul, 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
$46 $553 Progressive 48 No February 3, 2025 Amarillo, TX 79107
$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
Last Updated Jul, 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
$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
Last Updated Jul, 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
$46 $553 Progressive 48 February 3, 2025 No Amarillo, TX 79107
$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
$56 $673 Progressive 37 June 13, 2025 No Amarillo, TX 79103
$57 $688 Bluefire 61 May 27, 2025 No Amarillo, TX 79109
$59 $707 Progressive 21 March 25, 2025 No Amarillo, TX 79110
$61 $734 Bluefire 38 May 14, 2025 No Amarillo, TX 79106
$64 $762 Electric 39 June 16, 2025 No Amarillo, TX 79103
Last Updated Jul, 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
<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
Last Updated Jul, 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 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
Last Updated Jul, 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 Policy
City, State
ZIP Code
Speeding over 15 $40 $479 Progressive 29 June 25, 2025 Amarillo, TX 79118
Speeding over 15 $66 $795 Progressive 58 February 5, 2025 Amarillo, TX 79109
Speeding over 15 $69 $827 Progressive 47 July 9, 2025 Amarillo, TX 79106
Speeding over 15 $83 $998 Electric 64 September 13, 2024 Amarillo, TX 79107
Speeding over 15 $83 $999 Assurance America 46 July 18, 2025 Amarillo, TX 79106
Last Updated Jul, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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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.

meet-experts-thumbnail
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 $85 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.