The average cost of car insurance in Amarillo, TX, is about $234 a month ($2,813 a year) for full coverage and $63 a month ($757 a year) for minimum coverage, based on filed rates as of August 31, 2026 for a 40-year-old driver with a clean record. Full coverage is about 12% above the Texas average, but minimum coverage is about 11% below it. Auto Club (AAA) has the lowest full-coverage average, at about $177 a month.
Rates last verified and updated: September 2026, using insurers’ filed rates as of August 31, 2026. Rate data: Quadrant Information Services. Written by Michael Giusti.
Amarillo has some of the cheapest minimum coverage in Texas and some of the most expensive full coverage. The Panhandle’s hail and wind drive up the cost of insuring your own car, so moving from a minimum policy to full coverage adds about $2,056 a year here, the biggest jump of any city we track.
Insurers disagree sharply about Amarillo, too. Progressive’s full-coverage average is about $383 a month in our data, more than twice Auto Club’s. Choosing the right company can save you more than $2,000 a year. See how these prices compare in the Texas auto insurance rate breakdown, check Texas home insurance rates if you’re bundling, or compare auto insurance rates nationwide.
How Much Is Car Insurance in Amarillo?
For full coverage, Amarillo averages $2,813 a year, or about $234 a month. Minimum coverage averages $757 a year, or about $63 a month. For the same driver, the Texas averages are $2,513 and $848.
Amarillo straddles Potter and Randall counties, and the Randall County side in the south and southwest is slightly cheaper. Canyon, home of West Texas A&M, averages about $2,601 for full coverage, about $212 a year less than Amarillo.
- Full coverage: $2,813 a year ($234 a month)
- State minimum (30/60/25): $757 a year ($63 a month)
- Full coverage vs. minimum: $2,056 a year more
- ZIP code range: $2,727 (79119) to $2,899 (79107) for full coverage
Cost data comes from insurers’ filed auto rates across the 12 Amarillo ZIP codes we price, compiled by Quadrant Information Services and updated as new rates are filed.
Cheapest Car Insurance Companies in Amarillo
- Cheapest for full coverage: Auto Club (AAA), at about $177 a month ($2,120 a year), about $10 a month less than State Farm at $187.
- Cheapest for minimum coverage: Auto Club (AAA), GEICO and State Farm are effectively tied at about $61 to $63 a month.
- If you’re eligible for USAA: expect about $190 a month for full coverage and $39 for minimum coverage.
- Most expensive: Progressive, at about $383 a month for full coverage, $2,476 a year more than Auto Club (AAA).
These are Amarillo-only averages. Texas Farm Bureau can come in cheaper still, though you’ll need a Farm Bureau membership to buy it. See how we calculated these rates.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly |
|---|---|---|---|---|
| Auto Club (AAA) | $734 | $61 | $2,120 | $177 |
| State Farm | $752 | $63 | $2,249 | $187 |
| USAA (military families) | $473 | $39 | $2,283 | $190 |
| GEICO | $751 | $63 | $2,816 | $235 |
| Progressive | $1,073 | $89 | $4,596 | $383 |
| Texas Farm Bureau* | $464 | $39 | $1,632 | $136 |
| Allstate* | $1,477 | $123 | $5,190 | $433 |
| Farmers* | $2,373 | $198 | $7,584 | $632 |
Amarillo Car Insurance Rates by ZIP Code
Amarillo’s ZIP codes are tightly grouped. Full coverage ranges from about $2,727 a year in 79119 in southwest Amarillo to $2,899 in 79107 in northeast Amarillo, a gap of just $172 a year. In Amarillo, the insurer you choose matters far more than your ZIP code.
| ZIP Code: | Full Coverage: | Monthly: | State Minimum: | Monthly: | vs. City Average: |
|---|---|---|---|---|---|
| 79102 | $2,869 | $239 | $770 | $64 | +2% |
| 79103 | $2,831 | $236 | $765 | $64 | +1% |
| 79104 | $2,882 | $240 | $767 | $64 | +2% |
| 79106 | $2,774 | $231 | $752 | $63 | -1% |
| 79107 | $2,899 | $242 | $770 | $64 | +3% |
| 79108 | $2,828 | $236 | $759 | $63 | +1% |
| 79109 | $2,790 | $233 | $763 | $64 | -1% |
| 79110 | $2,808 | $234 | $764 | $64 | About average |
| 79118 | $2,805 | $234 | $742 | $62 | About average |
| 79119 | $2,727 | $227 | $744 | $62 | -3% |
| 79121 | $2,771 | $231 | $738 | $62 | -1% |
| 79124 | $2,769 | $231 | $744 | $62 | -2% |
Why Full Coverage Costs So Much in Amarillo
The Texas Panhandle gets large hail, strong winds and blizzards, and each of those shows up in comprehensive and collision claims. That’s why Amarillo’s full-coverage average is above the state’s even though its minimum coverage is among the cheapest in Texas.
The upgrade that costs the least is higher liability. Moving from 50/100/50 to 100/300/100, with comprehensive and collision on both, adds only about $188 a year ($16 a month) in our Amarillo data. On I-40 and I-27, where speeds are high, the state minimum of $30,000 per injured person doesn’t go far.
How Amarillo Car Insurance Compares With Other Texas Cities
Amarillo is the priciest of the Panhandle and West Texas cities we cover, at $234 a month for full coverage. Lubbock, two hours south, runs about $13 a month less for the same driver and car.
Every Texas city we price is in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
What Car Insurance Is Required in Amarillo?
Texas sets the rules for every driver in Amarillo. To register and drive a car, you need liability insurance of at least:
- $30,000 for injuries to one person
- $60,000 for injuries to everyone in one crash
- $25,000 for damage to other people’s property
That’s known as 30/60/25 coverage. Insurers must also offer personal injury protection (PIP) of at least $2,500 per person and uninsured/underinsured motorist coverage. Both are added to your policy unless you reject them in writing. The rules and penalties are explained in the Texas Department of Insurance auto insurance guide. Texas is an at-fault state, so the driver who causes a crash pays for the damage through their liability coverage.
How to Lower Your Car Insurance Rate in Amarillo
The gap between the cheapest and most expensive insurer in Amarillo is about $206 a month for full coverage, the widest in our Texas data. Start with that:
- Always get more than one quote. In Amarillo, one insurer can cost twice as much as another for the same car and driver.
- Start with Auto Club (AAA) and State Farm. They have the lowest full-coverage averages here.
- Add a company that’s not in our data. Texas Farm Bureau, Allstate and Farmers also sell in the Panhandle.
- Keep comprehensive, but consider a higher deductible. Hail is too common to drop the coverage.
- Garage your car if you can. Parking indoors lowers your hail risk, and some insurers give a small credit for it.
- Re-shop at renewal. Prices change each time insurers file new rates with the state.
- Bundle your car and home insurance. Most insurers discount both policies when you buy them together. Check Texas home insurance rates before you shop.
Amarillo Car Insurance Rates by County
Where you live in the Amarillo area changes your price. Randall County is the least expensive of the counties below at about $229 a month for full coverage, and Potter County is the most expensive at $236. These figures use the same filed-rate data and benchmark driver as the rest of this page, and counties we don’t sample aren’t listed.
| County | ZIP Codes Sampled | State Minimum /mo | Full Coverage /mo | Full Coverage /yr |
|---|---|---|---|---|
| Potter County | 7 | $63 | $236 | $2,836 |
| Randall County | 6 | $62 | $229 | $2,751 |
| Texas average | 1019 | $71 | $209 | $2,513 |
More Amarillo Car Insurance Breakdowns
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.
Amarillo Car Insurance Costs by County and Vehicle Type
This breakdown shows how the type of car changes the price in each county in the Amarillo area. Across the 4 counties listed, 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 |
New Car Insurance Rates in Texas
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 |
Car Insurance Costs by Age in Texas
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 as drivers build a clean record.
| 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 |
How We Calculated Amarillo Car Insurance Rates
InsuranceQuotes analyzes insurers’ filed auto rates compiled by Quadrant Information Services, which models premiums from the rate filings insurers submit to state regulators. This page uses rates in effect on August 31, 2026.
- Sample: 192 quotes (96 full coverage and 96 state minimum) from 8 insurance companies, grouped into 5 brands, in 12 Amarillo ZIP codes.
- Driver: a single 40-year-old man, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE he owns, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles. State minimum is the 30/60/25 liability Texas requires.
- Calculation: for each brand we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every brand-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: USAA is shown but not ranked because only military members, veterans and their families can buy it. Prices within 3% of each other are called effectively tied.
- What we leave out: prices that depend on something our driver doesn’t have (a telematics program, an anti-theft device or a membership) and insurers closed to new business.
- Other insurers: when an insurer’s filed rate for this driver isn’t in our data yet, its average is estimated from 2026 published rate studies and scaled to the same driver and coverage. Those insurers aren’t used for our cheapest-insurer rankings.
- What this isn’t: a quote. These are modeled filed rates for one driver profile. Your price depends on your ZIP code, vehicle, driving history, credit and discounts.
Coverage requirements come from the Texas Department of Insurance. We refresh these figures when new filed-rate data is released.
Amarillo Car Insurance FAQ
For our benchmark driver, full coverage in Amarillo averages about $234 a month ($2,813 a year) and state-minimum coverage about $63 a month ($757 a year), based on insurers’ filed rates as of August 31, 2026.
Auto Club (AAA) has the lowest full-coverage average at about $177 a month, followed by State Farm at $187. For minimum coverage, Auto Club (AAA), GEICO and State Farm are effectively tied at about $61 to $63 a month. Shopping around pays off here: the full-coverage gap between Auto Club (AAA) at $177 and Progressive at $383 exceeds $200 a month for the same driver and coverage.
Hail, wind and winter storms in the Panhandle lead to frequent claims for damage to drivers’ own cars. That raises the cost of comprehensive and collision coverage, even though minimum liability coverage in Amarillo is cheaper than the Texas average.
A little. Canyon averages about $2,601 a year for full coverage in our data, compared with Amarillo’s $2,813.
The Texas minimum is 30/60/25 liability, meaning $30,000 for each injured person, $60,000 for all injuries in one crash and $25,000 for property damage. Your policy will also include PIP and uninsured/underinsured motorist coverage unless you turn them down in writing.
Only comprehensive coverage pays for hail damage to your own car. It’s included in full coverage, not in a liability-only policy.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
