Amarillo is known as the Yellow Rose of Texas. However, it’s also home to the most car accidents in Texas. This is why Amarillo car insurance can be more costly. However, without proper car insurance, you could put yourself, your car, and even your license at risk.
Bankrate’s 2021 study on quoted annual premiums found that the average cost for car insurance in the United States is $1,738 per annum. However, Amarillo drivers pay an average $482 per the year for minimum coverage and $1,895 for full coverage.Find theBest car insurance in TexasOur proprietary Bankrate analysis considers critical factors such as coverage, pricing and third-party ratings. These factors, and many more, are Bankrate’s top choices for cheap car insurance in Amarillo 2021.
The best car insurance companies of Amarillo
Five providers were selected as Amarillo’s top auto insurance providers based on customer satisfaction and cost. Power Auto Insurance Study. J.D. is one of the most trusted consumer analytics companies in America. J.D. is a trusted consumer analytics company in the U.S. and can be used to help you choose a provider.
Geico
Geico is a good choice if you are looking to save money on your insurance. Geico’s coverage options are limited, but the rates are among the lowest in the market. The customer service is excellent. Geico also offers a variety of discounts to help keep your premiums low, such as the DriveEasy program that uses a telematics device to track driving habits and reward safe drivers. Geico is a good choice for drivers who don’t need a lot of extras but just want basic coverage.
State Farm
State Farm is a great option for busy people who don’t want to need to call or visit an agent to manage their insurance policy. State Farm excels in its online tools. You can also access its services from your mobile device with the highly-rated mobile app. This is the only provider in Amarillo with two distinct safe driver programs: Drive Safe & Save & Steer Clear. Both are based on advanced telematics. While the coverage options are basic, there are many perks and discounts that can lower your premium.
All over the country
Nationwide Insurance is a top-rated insurance provider in Amarillo for valuable extras. Besides the standard coverages and discounts, Nationwide also offers accident forgiveness, low mileage discounts and a safe driver program called SmartRide. You can also add roadside assistance, rental reimbursement, towing, labor costs, gap insurance and towing to your policy. Policyholders can save up to 40% by taking advantage of the perks or discounts.
Allstate
Allstate offers safe driving rewards that allow customers to enjoy discounts on name-brand products, dining, and travel. With the DriveWise program, good drivers can also get a price cut on their insurance costs. Allstate has a high customer satisfaction score and local agents across the country. Allstate offers coverage for special parts of your vehicle. Additionally, customers who participate in the Milewise program could get discounts for maintaining low mileage on their vehicles.
Mercury
Mercury, a less-known provider, is available in 11 states including Texas. However, it provides all the coverages and has the lowest rates in Amarillo. Besides liability, collision and comprehensive and PIP coverage, the company also offers add-ons such as rideshare coverage, roadside assistance, rental car coverage and a safe driving program called RealDrive. Local Mercury agents can provide more information about the right coverage for you and the best discounts to save you money.
Amarillo has the lowest car insurance
There are many insurance companies and coverage options available, but they may not be the most affordable. Amarillo is home to a higher-than-average car insurance rate. If you require full coverage, there could be hefty annual premiums.
Amarillo’s average Texas car insurance rate of $1,823 per annum for full coverage is slightly higher than that of the state, but less than the state’s minimum coverage. Amarillo rates are significantly higher than the national averages for full and minimum coverage rates for car insurance at $482 per annum and $1,895 per annum, respectively.
You don’t have to compromise on your needs in order to get cheap insurance. Below is a list of the top providers who offer the most value for money.
Geico is the winner of the Amarillo’s cheapest provider, with a minimum cost of $360 and a maximum cost of $1,472 for full coverage. This is significantly lower than the overall average. USAA is next on our list, and it usually gets high marks from J.D. Power, though it is considered rank-ineligible due to its membership only being offered to military members and veterans and their family members. USAA’s premiums are almost as affordable as Geico’s.
Amarillo insurance requirements
The 30/60/25 mandatory minimum coverage requirement applies to Amarillo and every other city in Texas. This means every motorist in Texas must have at least:
- $30,000 per person bodily injury coverage
- $60,000 bodily injuries coverage per accident
- $25,000 coverage for property damage
You can reject written rejections of personal injury protection (PIP), as well as uninsured or underinsured motorist coverages.
Texas is not a state of no fault. Texas is a state with a high degree of comparative fault. This means that the driver has to take financial responsibility for any accident in which they are more than 50% at fault. If you have adequate liability coverage, you may be covered in the event of a collision or other vehicle-to-car accident. Insurance experts recommend collision insurance to protect your vehicle as well as medical payments coverage for you and your passengers in the event of an accident.
Amarillo: Car insurance discounts
Texas does not have the best auto insurance rates. Texas is a large state that is susceptible to hurricanes and storms. Texas car insurance can cost you nearly two thousand dollars each year. There are many discounts that insurance companies offer to customers. These discounts can help you reduce your annual premiums. While not all discounts are offered by every company, the most common ones are.
- Safe driver:The safe driver discount is available to drivers who have a clean driving record and those who have avoided accidents or violations for a set amount of years.
- Payment in fullIt is an expensive expense to pay your annual premium on time. Many insurers will reward you with a discount for doing so.
- Multi-policy:Your premiums may be combined if you purchase multiple policies from the same company. This could result in a substantial price reduction.
- Vehicle safety:Insurance companies consider a car with advanced safety and anti-theft technology to be low-risk. They offer a safe vehicle discount.
Every discount you are eligible for may be worth your consideration. You never know what discounts you can combine to save you money on your premium. Some discounts based on driving, such as those for safe drivers, may prove to be especially useful. Many of these offer higher discounts the longer you keep going.
Questions frequently asked
Which is the best auto insurance company?
There are several leading car insurance companies across the country but what works for you will entirely depend on your needs and budget. It is a good idea to compare the coverage and price of multiple insurance companies before you start shopping for car insurance.
What is the cost of car insurance in Amarillo?
Average car insurance costs in Amarillo are $482 per annum for minimum coverage and $1,895 to cover full coverage. Insurers will give you quotes online or in-person. Your driving record, claims history and vehicle type can all impact the cost of your insurance.
What amount of car insurance do you need in Amarillo
Amarillo, Texas has a minimum coverage requirement of 30/60/25. However, the increasing number of fatalities in car accidents could lead drivers to buy more coverage to protect their cars and themselves.
What is full coverage auto insurance?
Full coverage auto insurance is a multi-faceted type of insurance that covers more than the minimum liability. Full coverage policies typically include collision, comprehensive, and liability coverages.
