What You Should Know About Car Insurance in Amarillo, Texas

Amarillo — named for the Spanish word for “yellow” — is the seat of Potter County and the 14th-most populous city in Texas. The city is informally known as the “Yellow Rose of Texas,” and it is home to more than 200,000 residents as of 2020.

Amarillo is known for its abundant helium resources, and it is home to a major aircraft assembly plant. Originally, the town was built along the Fort Worth and Denver Railroad, where it became the region’s top trading center. Over time, the city’s economy has shifted dramatically toward technology and industry.

If you live in Amarillo, protecting your means of transportation is critical. The expert agents of InsureOne can help you find the best auto insurance that will fit your budget.

How Much Does Car Insurance Cost in Amarillo, Texas?

You have the ability to choose the amount of coverage you want to purchase in Amarillo. Generally, the cheapest option is the minimum liability coverage required under state law. This protects you from claims made by other drivers, but it does not cover your own losses. Full coverage is more expensive, but it covers your costs as well.

On average, Texans pay $2,296 per year for full coverage auto insurance. That amount drops to $1,434 annually for minimum coverage. The cost of a policy in Amarillo is quite a bit lower than the state average. In Amarillo, liability-only policies work out to around $897 annually, while full coverage will cost you $1,584.

When it comes to full auto coverage, Texans pay close to the national average of $2,314. However, the cost of minimum coverage is well above the $644 per year that drivers pay on average nationwide.

You have options when it comes to the type of car policy you purchase. The law requires that you carry a minimum amount of liability insurance to pay for any claims made by other drivers after a crash. However, you could also obtain full auto policies that also pay for your losses in a crash.

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What Does It Mean If Texas Is an At-Fault State?

Texas is one of the majority of states that have adopted an at-fault approach to motor vehicle accidents. In an at-fault state, motorists have the option to file legal action against another driver when they are injured in a crash. Pursuing a claim against a negligent motorist or their insurance company is standard procedure, but no-fault states are different.

No-fault insurance states require you to file a claim with your own policy after an accident. This is true no matter who is at fault. There are some exceptions that will allow injured drivers to pursue a personal injury lawsuit instead of filing a claim with their own insurance, but that is not always an option.

Regardless of the type of state you live in, it is important to have auto coverage that protects your vehicle. In Texas, full coverage is particularly important as many drivers lack the liability insurance they need to pay for an accident.

Car Insurance Rates Comparison by Zip Code in Amarillo

Below is a comparison of the average monthly premiums paid in various cities across Texas.

City Full Coverage Insurance Liability Insurance Coverage
Amarillo $132 $75
Houston $206 $124
Spring $181 $116
Lewisville $156 $111
Weatherford $150 $111

How Bundling Your Car and Homeowners Insurance Can Save You Money in Amarillo

There are few better ways to save money on your protection than bundling your policies with InsureOne. Bundling means purchasing two or more different types of policies from the same insurance company in exchange for a discount on each of them. You could bundle your auto and home protection with InsureOne and save up to 25% on your policies.

When you bundle your auto and homeowners insurance packages, you can save more than money. Bundling means you have one company to go to with questions, claims, or concerns. Managing your policies is much easier when they are all handled by the same insurer.

What Types of Car Insurance Discounts Are Available in Amarillo?

You can save money in a lot of different ways with InsureOne. One option is to take advantage of every discount available to you. Some of the discounts that InsureOne offers include the following:

  • Good Student Discount
  • Safe Driver Discount
  • Paperless Discount
  • Loyalty Discount
  • Auto Pay Discount
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Notable Car Insurance Laws in Amarillo

Drivers in Amarillo are required to comply with several state auto insurance laws. A minimum level of liability coverage is mandatory and failing to have a policy can lead to costly consequences.

What Are the Mandatory Car Insurance Requirements in Amarillo?

Texas — like all states — requires drivers to be financially responsible when they cause an accident. This is generally done by mandating a minimum amount of liability insurance for anyone driving in the state. These policies are designed to cover the cost of claims from other drivers when you are at fault in an accident. The mandatory guidelines include:

  • $30,000 for bodily injuries per person
  • $60,000 for bodily injuries per accident
  • $25,000 for property damage per accident

What Is the Penalty for Driving Without Insurance in Amarillo?

It is against the law in Texas to drive without auto coverage. Motorists in Amarillo who lack the minimum amount of coverage are at risk of being ticketed and fined. You will pay a one-time fine of up to $350 for your first offense. Second and subsequent offenses carry a penalty capped at $1,000. The good news is that there is usually no risk of incarceration.

The expert agents at InsureOne can help you get coverage that will not only protect you in an accident but also prevent you from getting a ticket. In the long run, the cost savings can be substantial.

Do Amarillo-Specific Laws Play a Role in Determining Your Insurance Premiums?

For the most part, city laws and ordinances do not impact what you will pay for your coverage. Instead, insurers rely on numerous factors when determining the amount of your premiums. Some of those factors include:

  • Your age. Car insurance is most expensive for drivers in their teens and early 20s due to the increased risk of an accident. These costs steadily drop over the years before climbing again in your 70s.
  • Your education. A higher level of education can help keep your costs low. If you have a college degree, you may pay less than someone in a similar situation with no formal education.
  • Your driving frequency. The less you usually drive, the lower your premiums will likely be.
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Insurance That Helps You Prepare for the Future

Auto insurance can help you prepare for the future by protecting you from unexpected financial costs. If you have a full coverage auto policy, you can budget for the cost of your monthly premiums without worrying about how having to pay for an accident on your own could result in debts that might follow you for years to come.

One of the most important aspects of adequate insurance coverage is the peace of mind that comes with it. You are not at risk of being ticketed, and your carrier can deal with your vehicle damage and even your medical bills after a crash, depending on your coverage.

Typical Driving Conditions in Amarillo

Amarillo is a bustling, growing city that relies heavily on cars for transportation. The roads are often crowded, especially during rush hour. Given its status as a regional hub, traffic in and out of the city is also frequently high.

Amarillo has retained several brick-paved streets that were first installed in the city in the early 1900s. While much of the rest of the city has more modern roads and highways, these distinct surfaces can be harder on cars compared to asphalt.

Like the rest of Texas, temperatures can be stifling throughout much of the year. It is important to protect your automobile from the heat and drive carefully to avoid accidents with other residents of the city.

How Many Car Accidents Happen in Amarillo Per Year?

The city of Amarillo releases information about accidents in the city each year. In 2023 alone, there were 3,004 motor vehicle collisions in city limits.

Here is a comparison of annual Amarillo accidents to other cities in Texas using crash reports processed in April 2024:

City Annual Average Number of Fatal Car Crashes
Amarillo 23
Dallas 205
Allen 2
Abilene 7
Austin 92

 

How Many Uninsured/Underinsured Motorists Are in Amarillo?

Texas has a reputation for its high number of uninsured motorists. What is more, the state also has a problem with underinsured drivers. This includes motorists who carry the minimum amount of liability coverage required but who do not generally have enough coverage to fully pay for an accident.

According to the Texas Department of Motor Vehicles, around 20% of all Texas motorists are uninsured. This does not include those with limited coverage.

Get Covered by the Best Car Insurance in Amarillo, Texas, Today

InsureOne provides Amarillo residents like you with expert agents who provide white-glove service for your protection needs. We offer a top-tier, one-stop insurance shopping experience that ensures Texas drivers get the necessary policies.

We can save you time and money by researching policies and pricing. Get a quote online, visit us at an office near you near you, or call us at (800) 836-2240 for a quote.