Amarillo, the Yellow Rose of Texas, may be famous as the Old West Cowtown, but the city also has the highest number of car accidents in Texas. In 2019 there was 5,532 traffic accidents. Although the average auto insurance premiums in Amarillo – $ 482 per year or $ 1,895 per year for the minimum or without the necessary car insurance coverage, you could put yourself, your vehicle, or even your driver’s license at risk.
To find cheaper coverage, you can search for providers that offer the most competitive rates and coverage in your area. Based on features, prices, customer service, and third-party reviews, there are some auto insurers that stand out from the crowd.
The best car insurance in Amarillo
Of the auto insurance companies surveyed, five providers were selected as the best providers in Amarillo based on cost and customer satisfaction scores in the JD Power Auto Damage Study 2020. As one of the most credible consumer analytics companies in the US, JD Power’s scores are a good indicator of an insurer’s performance and position in the industry and could be your starting point when choosing a provider.
|insurance company||JD power score||Average annual premium for minimum coverage||Average annual premium for fully comprehensive insurance|
|Geico||871/1000||$ 360||$ 1,472|
|District farm||881/1000||$ 519||$ 1,434|
|Nationwide||876/1000||$ 518||$ 1,486|
|Allstate||876/1000||$ 498||$ 1,683|
|Mercury||849/1000||$ 486||$ 1,776|
If saving money on insurance is your top priority, then this is it Geico is a safe choice. While the coverage options are pretty simple, the tariffs are some of the cheapest on the market, and the customer service is excellent. Geico also offers a variety of discounts to keep your premiums down, such as: DriveEasy Program that uses a telematics device to track driving habits and reward safe drivers. Geico could be a great choice for drivers who aren’t looking for a multitude of unique add-ons and simply want standard coverage that is generally cheaper on average.
Busy individuals who want to manage their policy without picking up the phone or meeting an agent in person may want to District farm on their list. The company stands out for its number of online tools and allows you to use its services on the go with its highly rated mobile app. In Amarillo, this is also the only provider with two unique secure driver programs: Drive safely and save and Steer clearly, both with advanced telematics. The insurance options are standard, but the large portfolio of discounts and perks can help you lower your premiums.
For valuable additions, Nationwide is one of the best insurance providers in Amarillo. In addition to standard coverage and discounts, Nationwide also offers accident forgiveness, low mileage discounts, and a safe driver program called SmartRide. Roadside assistance, accident insurance, towing and labor costs, and rental refunds are some of the extras you can add to your policy. By using the benefits and discounts, policyholders can save between 10 and 40% of their annual premium.
Safe driving rewards are also offered by Allstate and enable customers to save on branded goods, restaurants and travel. With the DriveWise program, good drivers can also reduce their insurance costs. Allstate has excellent customer satisfaction ratings and has local agents across the country. In addition to the regular coverage options, Allstate also offers coverage for specific parts of your vehicle, such as: B. Sound systems. In addition, customers who participate in the Milewise program can receive discounts for maintaining a low mileage on their vehicles.
Mercury is a lesser known carrier available in 11 states including Texas but has all the coverage you could possibly need plus some of the lowest rates in Amarillo. In addition to liability, collision and fully comprehensive and PIP coverage, the company also offers add-ons such as carpooling, breakdown assistance, rental car insurance and a safe driving program called RealDrive. Local Mercury representatives are available to provide more information on the best coverage for your needs and the discounts to help you maximize savings.
Cheapest car insurance in Amarillo
While there are numerous insurance providers and coverage options, they may not always be the cheapest. Car insurance is above average in Amarillo and if you need full coverage in this city you could be charged a high annual premium. Compared to the average Texas auto insurance rates of $ 524 per year for minimum coverage and $ 1,824 per year for fully comprehensive insurance, Amarillo is slightly more expensive than the state for fully comprehensive insurance, but slightly cheaper than the state for minimum insurance. Amarillo rates are also significantly higher than the national average for the minimum and full coverage rates for motor insurance, which are $ 565 per year and $ 565, respectively.
Cheap insurance doesn’t have to mean compromising your needs. The following table lists the providers that offer the best value for money.
|insurance company||Average annual premium for minimum coverage||Average annual premium for fully comprehensive insurance|
|Geico||$ 360||$ 1,472|
|USAA||$ 361||$ 1,473|
|MetLife||$ 406 $||$ 2,506|
|Mercury||$ 486||$ 1,776|
|Allstate||$ 498||$ 1,683|
Geico emerges as the cheapest carrier in Amarillo winner, with $ 360 per year for the minimum and $ 1,472 per year for full coverage, well below the city’s overall average. Next to Geico on our list is USAA, which usually gets high scores from JD Power even though it is considered unqualified as its membership is only offered to military members, veterans and their family members. However, USAA offers rewards almost as cheap as Geico’s. MetLife may not have the cheapest fully comprehensive insurance, but if you only want the essentials, your expenses can be below the Amarillo average. The MetLife company also has excellent third-party reviews.
Amarillo Insurance Requirements
The 30/60/25 The mandatory minimum coverage requirement applies to Amarillo and every other city in Texas. This means that every motorist in Amarillo must have at least the following:
- $ 30,000 Personal Injury Insurance per person
- $ 60,000 personal injury insurance per accident
- $ 25,000 property damage coverage
Texas is not a flawless state. It is a comparative fault condition, which means that the driver must take financial responsibility if it is determined that he is more than 50% responsible for an accident. If you have adequate liability insurance, you can be covered in the event of a collision or accident with another vehicle. Insurance experts recommended that you get collision insurance to cover your own vehicle and medical payments in the event that you or your passengers are injured in an accident.
Car insurance discounts in Amarillo
Texas isn’t the cheapest in terms of auto insurance. As a populous state prone to storms and hurricanes, Texas auto insurance could set you back nearly a few thousand dollars each year. On the other hand, most insurance providers offer a number of discounts for customers that allow you to save a certain percentage on the annual premiums. Not all discounts are available from every company, but the most common ones tend to be.
- Safe driver: Drivers with an already clean driving report, or those who have avoided accidents and violations for a certain number of years, could be eligible for the Safe Driver Discount.
- Paid in full: Paying the annual premium in full at the time of renewal is a huge expense that many insurers reward with a discount.
- Multi-politics: When you buy two or more policies from the same company, your premiums can be bundled into one decent price cut.
- Safe vehicle: A car equipped with the most advanced security and anti-theft features is considered low risk by insurance companies and receives the safe vehicle discount.
Each discount you qualify for might be worth a look as you never know which discounts can be combined to save the most money on your premium. Driving-based discounts, e.g. B. To ensure safe driving can be particularly useful as many of them offer higher discount rates the longer you drive.
frequently asked Questions
What is the best car insurance?
There are several leading ones Car insurance across the country, but what works for you depends entirely on your needs and budget. Comparing prices and coverage from multiple insurers is a good starting point for purchasing auto insurance.
How much does car insurance cost in Amarillo?
Amarillo auto insurance costs an average of $ 482 per year for minimum liability insurance and $ 1,895 for full insurance. When you receive quotes from insurers, whether you go in person or online, your costs can be higher or lower depending on the driving report, claims history, vehicle type and personal demographics such as location and age.
How much car insurance do I need in Amarillo?
The minimum coverage requirement in Amarillo, Texas is 30/60/25, but the growing number of fatal car accidents in the city could prompt motorists to purchase more comprehensive coverage to keep themselves and their vehicles safe.
Bankrate uses Quadrant Information Services to analyze rates for all zip codes and airlines in all 50 states and Washington, DC. The stated tariffs are based on a 40-year-old driver with a clean driver’s license, good credit rating and the following full coverage limits:
- $ 100,000 liability per person
- $ 300,000 liability per accident
- $ 50,000 property damage liability per accident
- $ 100,000 personal injury from an uninsured motorist per person
- $ 300,000 personal injury to an uninsured driver per accident
- $ 500 deductible in case of collision
- $ 500 deductible
Tariffs are determined based on the 2020 Quadrant Information Services data.
To set the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our example drivers own a 2018 Honda Accord, commute five days a week, and drive 12,000 miles a year.
These are sample rates and should only be used for comparison purposes. Your quotes can be different.