For a 40-year-old driver with a clean record, Amarillo car insurance averages about $276 a month ($3,306 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s 10% above the Texas average of $251 a month. Auto Club (AAA) has the lowest full-coverage average among the five major insurers we compared (Allstate, Auto Club, GEICO, Progressive and State Farm), at about $177 a month.
Amarillo is one of the most expensive places in our Texas data: full coverage for our benchmark driver averages about $276 a month, 10% above the state average. Auto Club (AAA) has the lowest average of any insurer we rank here; the next lowest is State Farm at $187 a month.
Our data covers 12 ZIP codes with an Amarillo mailing address, from about $267 a month in 79119 to $288 in 79104.
Cost data comes from the auto rates insurers file with state regulators, priced across all 12 Amarillo ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 12, 2026.
Full coverage in Amarillo averages $3,306 a year, or about $276 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $960 a year ($80 a month), and 50/100/50 liability with comprehensive and collision averages $3,063 ($255 a month).
Allstate is far more expensive than the other insurers here: its full-coverage average of about $485 a month is 2.1 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the Amarillo average would be about $234 a month.
Auto Club (AAA) has the lowest full-coverage average among the six insurers in our Amarillo rate data. Most of the published 2026 statewide Texas rate studies we reviewed name Texas Farm Bureau or State Farm as cheapest for full coverage. For liability-only coverage at 30/60/25 limits, Auto Club (AAA), GEICO and State Farm are effectively tied for the lowest average among these five insurers, at about $61 to $63 a month. USAA comes in even lower, at about $41 a month, but it sells only to military families.
Full-coverage averages by insurer in Amarillo
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Auto Club (AAA) | $734 | $61 | $2,120 | $177 |
| State Farm | $752 | $63 | $2,246 | $187 |
| USAA (military families) | $489 | $41 | $2,368 | $197 |
| GEICO | $751 | $63 | $2,816 | $235 |
| Progressive | $1,063 | $89 | $4,463 | $372 |
| Allstate | $1,969 | $164 | $5,824 | $485 |
| Texas Farm Bureau* | $481 | $40 | $1,572 | $131 |
| Farmers* | $1,218 | $102 | $5,193 | $433 |
| Amarillo average | $960 | $80 | $3,306 | $276 |
This table uses Amarillo ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the 12 Amarillo ZIP codes we price, full coverage for our driver ranges from about $267 a month in 79119 to $288 in 79104, a gap of $258 a year. Southwest Amarillo ZIP codes such as 79119 and 79124 are the least expensive in our data, and north and east Amarillo ZIP codes such as 79104 and 79107 are the most expensive.
Lowest-priced Amarillo ZIP codes
Highest-priced Amarillo ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Amarillo’s average.
| ZIP Code: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 79102 | $994 | $83 | $3,391 | $283 | +3% |
| 79103 | $966 | $81 | $3,324 | $277 | About average |
| 79104 | $1,022 | $85 | $3,458 | $288 | +4% |
| 79106 | $955 | $80 | $3,273 | $273 | -1% |
| 79107 | $970 | $81 | $3,379 | $282 | +2% |
| 79108 | $961 | $80 | $3,321 | $277 | About average |
| 79109 | $964 | $80 | $3,290 | $274 | -1% |
| 79110 | $965 | $80 | $3,304 | $275 | About average |
| 79118 | $917 | $76 | $3,265 | $272 | -1% |
| 79119 | $918 | $77 | $3,200 | $267 | -3% |
| 79121 | $914 | $76 | $3,236 | $270 | -2% |
| 79124 | $972 | $81 | $3,235 | $270 | -2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $243 a year on average in our Amarillo data, with the same $500 deductibles. That’s about $21 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Amarillo ZIP codes, their full-coverage average fell from $2,828 a year 10 months earlier to $2,803 in rates as of Sept. 30, 2026, a 0.9% drop. Progressive cut its Amarillo average 6.8% and Auto Club (AAA) 4.9%, while USAA raised its average 12.2% and GEICO 2.3%; State Farm’s average was about unchanged. Allstate is new in our rates over the past 10 months, so it’s left out, which is why these averages differ from the Amarillo average above. Liability-only coverage at 30/60/25 limits fell 3.4%, led by Auto Club (AAA), which cut its liability-only average 14.6%.
Potter County averages about $278 a month for full coverage in our data, the third-most expensive of the 179 Texas counties we price, and Randall County, which covers south Amarillo, is fourth at $270. Only comprehensive coverage pays for hail damage to your car, so keep it if you park outside.
Prices by insurer vary a lot here. Progressive averages about $372 a month, more than twice Auto Club’s $177, so comparing quotes matters.
More Texas cities and towns are in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
Lubbock, about 110 miles south, averages $263 a month, and Midland–Odessa averages $243.
Drivers in Amarillo follow Texas’ rules. Every policy must include at least:
Every Texas policy includes personal injury protection unless you turn it down in writing, and insurers must offer uninsured/underinsured motorist coverage, which you can also turn down only in writing. Our Texas requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.
Across the two counties in the Amarillo area and 13 ZIP codes we price there, full coverage runs from about $270 a month in Randall County to $278 in Potter County. The Texas average is $251. These figures use the same rate data and benchmark driver as the rest of this page.
| County: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Potter County | 7 | $977 | $81 | $3,340 | $278 |
| Randall County | 6 | $937 | $78 | $3,235 | $270 |
| Texas average | 1019 | $1,065 | $89 | $3,011 | $251 |
The tables below come from an additional InsuranceQuotes rate analysis that uses its own driver profile and coverage assumptions, so the dollar amounts differ from the Amarillo averages above. Use them to see how vehicle type, a newer car and driver age change what you pay.
This breakdown shows how the type of car changes the price in each county in the table. Across the four counties in this table, SUV policies cost the least on average and hybrid policies the most, about 24% more. Search the table for your county.
| County: | Car | SUV: | Sports: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Armstrong | $1,124 | $956 | $1,059 | $1,138 | $1,201 |
| Carson | $1,136 | $967 | $1,071 | $1,149 | $1,212 |
| Potter | $1,314 | $1,127 | $1,254 | $1,317 | $1,386 |
| Randall | $1,255 | $1,075 | $1,196 | $1,258 | $1,325 |
| Avg. Cost Yearly: | $1,207 | $1,031 | $1,145 | $1,216 | $1,281 |
| Avg. Cost Monthly: | $101 | $86 | $95 | $101 | $107 |
Insuring a newer car usually costs more, because comprehensive and collision have to cover a more expensive vehicle. In this breakdown, full-coverage prices for a new car differ by about 30% between the lowest- and highest-priced insurers, so comparing quotes pays off even more when you buy new.
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA: | $530 | $2,280 |
| GEICO: | $838 | $2,588 |
| AAA: | $763 | $2,672 |
| Progressive: | $720 | $2,766 |
| State Farm: | $838 | $2,974 |
Age is one of the biggest rating factors for young drivers. In this breakdown, a 17-year-old pays about 2.9 times what a 39-year-old pays for full coverage, and prices fall quickly through the early 20s.
| Driver’s Age: | State Minimum Coverage | Full Coverage |
|---|---|---|
| 17 | $2,686 | $7,193 |
| 18 | $2,346 | $6,376 |
| 20 | $1,664 | $4,752 |
| 22 | $1,248 | $3,659 |
| 24 | $1,068 | $3,172 |
| 29 | $865 | $2,654 |
| 34 | $833 | $2,530 |
| 39 | $829 | $2,496 |
| 44 | $825 | $2,460 |
| 49 | $813 | $2,425 |
| 54 | $791 | $2,329 |
| 64 | $807 | $2,270 |
| 74 | $982 | $2,622 |
| 76 | $1,049 | $2,761 |
For our benchmark driver, full coverage in Amarillo averages about $276 a month ($3,306 a year) and liability-only coverage about $80 a month, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Full coverage is 10% above the Texas average of $251 a month. Without Allstate, the Amarillo average is about $234 a month.
Auto Club (AAA) has the lowest full-coverage average of any insurer we rank in our Amarillo rate data, at about $177 a month; the next lowest is State Farm at $187. For liability-only coverage, Auto Club (AAA), GEICO and State Farm are effectively tied for the lowest average among the five major insurers we compared. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, Amarillo full coverage averages about $276 a month, 10% above the Texas average, and Potter and Randall counties rank third and fourth of the 179 counties we price. Comprehensive coverage, part of full coverage, is what pays for hail damage to your car.
In our data, 79119 has the lowest full-coverage average in Amarillo, at about $267 a month, and 79104 the highest, at about $288. The ZIP code table on this page lists all 12.
In our Amarillo data, full coverage (100/300/100 with $500 deductibles) averages about $276 a month and liability-only coverage at 30/60/25 limits about $80, a difference of about $196 a month ($2,346 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Texas law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past 10 months), their Amarillo full-coverage average fell 0.9%, from about $2,828 to $2,803 a year. That’s lower than the Amarillo average of $3,306 because it leaves out Allstate. Progressive cut its Amarillo average 6.8% and Auto Club (AAA) 4.9%, while USAA raised its average 12.2% and GEICO 2.3%. Liability-only coverage at 30/60/25 limits fell 3.4%.
For our benchmark driver, full coverage in Amarillo averages about $276 a month. Nearby, Lubbock averages about $263, Midland–Odessa about $243 and Frisco about $239. Lubbock, Midland–Odessa and Frisco are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
