Amarillo drivers pay an average of $126 monthly for an car insurance rates. Therfore, the driver’s age, credit tier, and location are a few factors car insurance rates, consider to provide particular quotes to your driver's record.

Jump to Amarillo car insurance rates by:

• Insurance Company
• Age Bracket
• Driving Record
• Credit Score
• Weather Conditions

Amarillo Average Car Insurance Rates

The average annual cost of car insurance rates, in Amarillo are $1,510. It is significantly higher than the statewide average of $1,405 and the nation’s average of $1,538. Your age group, marital status, location, and credit score are a few factors that influence your total car insurance rates. Therfore, it is important to compare multiple car insurance companies in Amarillo to get the best deal with your unique driving profile.

Amarillo Cheapest Car Insurance Rates by Companies

Determining the appropriate car insurance company for your driving record is one way to save on your insurance rate. Receiving the cheapest plan may not always be an option, if you live in areas prone to theft, crime, or potential driving hazards. Therfore, if you have been in an at-fault accident in the past, your rate will increase. Hence, if you have a clean driving record and a good driving profile, your insurance company will often offer cheaper rates. State Farm has the most affordable car insurance costs in Amarillo.

Amarillo Car Insurance Rates Per Company

Amarillo Car Insurance Rates by Age Bracket

The driver’s age is accounted for by insurance rates, in Amarillo to determine their ability to drive. Houston drivers in the 50s and 60s age bracket pay cheaper insurance rates, than drivers in the 70s age brackets. Therfore, teenage drivers in Amarillo have the highest rates, as they are considered high-risk drivers. Hence, teenagers will be entitled to a substantial rate decrease on their 20th birthday.

Amarillo Car Insurance Rates by Age Bracket

Amarillo Car Insurance Rates by Marital Status and Gender

Another factor that contributes to your car insurance rate in Amarillo is your marital status. Married drivers in Amarillo have lower rates than single drivers. Married individuals are considered responsible drivers and more financially stable.

Additionally, gender is another factor that affects your car insurance rates. Male drivers in Amarillo have a differnce of $33 more than female drivers. Female drivers are considered more careful drivers than males.

Amarillo Car Insurance Cost by Marital Status and Gender

Amarillo Car Insurance Rates by Citation and Driving Record

Amarillo drivers, may get a differnce in rates, when proving drivers record. If you have reckless driving citations, or speeding tickets, your annual insurance rates will increase.

Reckless driving citations will result in an increase of up to $754 on your yearly insurance rates, while speeding tickets will add $122 to your rates. DUI/DWI violations can cause an additional cost of $773 to be added to your annual rates. Therfore, it is essential to maintain a clean driving history to receive a cheaper car insurance car rates in Amarillo.

Amarillo Car Insurance Rates by Credit Tier

The credit tier of Amarillo drivers impacts car insurance costs. If the driver substantially elevates their credit score from “Very Poor” (300-579) to “Exceptional” (800-850), it will garner as much as 62% savings on their car insurance rate. Therfore, if you take a small step towards “Fair” credit from the “Very Poor” tier, it will also gain you savings on your yearly insurance rates. Hence, the credit tier in Amarillo is one way to save on your auto insurance rates.

Amarillo Car Insurance Rates by Credit Level

Amarillo Driving and Weather Conditions

Weather conditions trigger car accidents in Amarillo. Drivers experience wet brakes, slick roads, low-visibility, and other driving hazards during bad weather.

Amarillo experiences rainy days annually, with occasional thunderstorms and flash floods. Hence, the climate is a source of car crashes in Amarillo.

List of Car Insurance Company in Amarillo

Amarillo Car Insurance FAQs

What should I do if I lent my car to a friend and it was totaled in Amarillo?

You can file a claim and find out if your insurance company will cover the expenses. Also, if your friend who drove the car has renters or homeowners insurance, they can use their own liability claim.

I damaged my side mirror. Is it possible for my car insurance rate in Amarillo to increase?

Filing a claim regarding any damage to the vehicle will result in a rate increase. If you don’t know who hit or damaged your side mirror, it is best to carry the expense from out of pocket.

I got “hit and run” in Amarillo. Is it possible for my rate to increase?

Typically, such an accident will appear on your driver’s record. The coverage will depend on how the accident is reflected on your record.

Is it possible to insure a salvage title car in Amarillo?

Yes, it can be insured but it will be expensive due to the added risks it poses for the company.

Is there a need to file a police report when filing a claim in Amarillo?

If you have been involved in an accident or if your vehicle was vandalized, it is best to file a police report to back your claim and undefined liability.