Cheap Amarillo Auto Insurance

Best Cheap TX Car Insurance in Amarillo

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Saving money on auto insurance in Amarillo is now more important than ever. Get and compare instant quotes now to save against probable rate increases in the very near future.

Texas Minimum Car Insurance Requirements

Please be advised that the Texas state auto insurance requirements changed as of January 1, 2011. New limits are increase to 30/60/25. If you are a driver in Amarillo TX, this should be noted.

Texas state law requires that each person must first establish financial responsibility for an automobile before they can legally drive that motor vehicle on the roads and highways in Texas.

Purchasing auto liability insurance will fulfill that requirement. This is the method that most people use to comply with the law.

Texas state law requires that drivers maintain minimum liability coverage of $30,000 (per injured person in any one accident), $60,000 (total for all persons injured in any one accident), and $25,000 (for property damage.)

Often times you will see those figures written as: 30,000/60,000/25,000  or as  30/60/25.

Factors That Determine Rates

(1) Use of Vehicle -
If you use your vehicle extensively, you will pay a higher premium. More mileage, higher premium. If you rarely use your car, you will find yourself paying less premium.

(2) Vehicle Type -
Your type of vehicle, and the likelihood of it being stolen, as well as the cost of repairing or replacing it will all be factors that will affect your premium. A family sedan will have a lower premium than a 2-door sports car.

(3) Driving Record -
Of all the factors, this one usually affects your premium rates most. If you have had any "at-fault" wrecks or moving-violation convictions within the last 3 years before your application or renewal, that will severely affect your cost.

(4) Location -Total accidents in the area of your residence, plus the number of claims there affect your rates. Road conditions and the population are also factors that an insurance company considers in determining your total premium rates.

(5) Your Credit Rating -
Many insurance companies factor in a person's credit rating when determining auto insurance rates, since a person's history of paying debts does tend to reflect their insurance risk.

Auto theft worries many car owners and with good reason, there were approximately 856 auto thefts in the Amarillo, TX Metropolitan Area in 2015. This ranks Amarillo 53rd in most stolen vehicles per capita nationwide per information from the National Insurance Crime Bureau (

Tips To Save
On Your Insurance

(1) Remove risky drivers

(2) Pay annually or semi-annually

(3) Increase deductibles

(4) Eliminate unnecessary coverage

(5) Get quotes from various companies

(6) Reduce annual mileage

TexasSure Program

There is a program in effect now in Texas that permits law enforcement officers and certain designated state users to INSTANTLY verify if an automobile/vehicle is actually insured at that moment. This eliminates the ability to drop insurance coverage immediately after receiving a valid insurance card. Additionally, the days of giving false proof of automobile insurance to an officer are virtually over.

No longer can someone purchase auto insurance with a small down payment, just in order to get a valid insurance verification card, and then let the policy lapse the next month. Officers can immediately verify any insurance coverage when stopping a vehicle.

The program called "TexasSure" is helping to seriously reduce the estimated 20% of vehicles that are uninsured in Texas, which makes for a safer driving environment for everyone.

Safety Sense:

Tips to Stay Safe

(a) Park in well lit areas.

(b)Keep a safe distance between you and the vehicle in front of you at stop lights. You can pull away swiftly.

(c) Never walk to your car alone in a dimly lit parking lot at night. Ask for security to accompany you.

(d) Never lower your car window if a stranger approaches.

(e) Never leave valuable or packages visible. Hide them in the trunk/our of sight.

(a) Lock your car doors immediately when you get into your car.

Amarillo is the fourteenth most populous city in the state of Texas. It is also the largest city in the Texas Panhandle and the seat of Potter County. The Amarillo metropolitan area has an estimated population of 236,113 in four counties. As of the 2010 Census, there were 190,695 people residing in Amarillo. There were 67,699 households out of which 33.9% had children under the age of 18 living with them, 50.6% were married couples living together, 12.8% had a female householder with no husband present, and 32.4% were non-families. The age distribution of the city was as follows: 27.9% of the population was under the age of 18, 10.2% from 18 to 24, 28.8% from 25 to 44, 20.5% from 45 to 64, and 12.6% who were 65 years of age or older. The median age was 34 years.

Our goal is to help you save money on your auto insurance and to become an informed consumer.

Use the resource we provided above, by entering your zip code in the box to get the quotes you will need. Look them over, then purchase the policy
that's right for you!

Auto Insurance Agents/Agencies In Amarillo
Herring Agency
2921 W Interstate 40
Amarillo, TX 79109

Jack Weaver Insurance
4007 Business Park Dr
Amarillo, TX 79110

Robert Mauldin Insurance
2300 Bell St Suite 1-8
Amarillo, TX 79106

Maverick Insurance
3300 E Interstate 40
Amarillo, TX 79103

Titan Auto Insurance
1000B W Amarillo Blvd
Amarillo, TX 79107

Alice Brooks Insurance
2491 W Interstate 40
Amarillo, TX 79109

AAA Auto Insurance
2607 Wolflin Vlg
Amarillo, TX 79109

Jeffrey Donaway
3606 S Washington St
Amarillo, TX 79110

Roy Hunter II
8001 SW 34th Ave
Amarillo, TX 79121

Penny Cunningham
7935 SW 45th Ave
Amarillo, TX 79119

New England Financial
1800 S Washington St
Amarillo, TX 79102

Marufo Insurance Agency
4551 S. Western St.
Amarillo, TX 79109

Kelly Elsey Insurance
7 Care Cir Amarillo
Amarillo, TX 79124

State Farm Insurance
6900 W Interstate 40
Amarillo, TX 79106

Kaiser Insurance
2301A S Western ST
Amarillo, TX 79109

Amarillo Agency
1305 S Grand St
Amarillo, TX 79104

Northwestern Mutual
2600 Paramount Blvd
Amarillo, TX 79109

Brian Moore
3333 S Coulter St
Amarillo, TX 79106

West Texas Agency
3702 Mockingbird Ln
Amarillo, TX 79109

2622 SW 34th Ave
Amarillo, TX 79109

John Dawson
5747 W Amarillo Blvd
Amarillo, TX 79106

Kevin Vincent
7410 Golden Pond
Amarillo, TX 79121

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